Finance Calculators
Loans, interest, tax and everyday money math.
EMI Calculator
Estimate your monthly loan repayment, total interest and full amortization schedule — the standard way loan repayments are structured across mortgages, auto loans, and personal loans.
GST Calculator
Add or remove GST from an amount, either direction, instantly — handling the inclusive and exclusive calculation correctly, which trips up many manual attempts.
Mortgage Payment Calculator (PITI)
Find your full monthly mortgage payment — principal, interest, property tax, home insurance, PMI and HOA combined — plus a complete amortization schedule.
Mortgage Affordability Calculator
Find the maximum home price you can afford, based on your income, existing debts, down payment and a target debt-to-income ratio.
Investment Growth Calculator
See how a starting investment plus regular monthly contributions grows over time — the single most useful number for planning any long-term investing goal.
Compound Interest Calculator
See how your money grows when interest compounds instead of staying simple — the mathematical engine behind essentially all long-term investment growth.
Auto Loan Calculator
Find your monthly car payment including trade-in value and sales tax, with a full amortization schedule.
Retirement Savings Calculator
See how much your monthly retirement contributions could grow to — projecting a critical, decades-long compounding process most people underestimate.
Mortgage Refinance Calculator
Compare your current mortgage against a refinance offer to find your monthly savings, break-even point, and total interest difference.
Take-Home Pay Calculator
Estimate your net monthly pay after tax and other deductions — a practical bridge between a headline salary figure and the amount that actually reaches your bank account.
Debt Snowball vs Avalanche Calculator
Simulate paying off up to three debts using the snowball method (smallest balance first) versus the avalanche method (highest rate first), with the same extra budget.
Discount Calculator
Find the sale price and how much you save on any discount — a quick, everyday calculation for shopping and pricing decisions.
Investment Fee Impact Calculator
See exactly how much a fund's expense ratio costs in real dollars over a long investing horizon — a fee that looks tiny annually compounds into a genuinely large number.
Currency Converter
Convert an amount using any exchange rate you enter — a flexible manual conversion tool for whatever rate you have available.
Rent vs Buy Calculator
Compare the true net cost of buying versus renting over a chosen number of years, including home appreciation, equity, taxes, maintenance and selling costs.
SIP Step-Up Calculator
Model a systematic investment plan where your monthly contribution increases every year — a more realistic projection than assuming a flat contribution for decades.
Dollar-Cost Averaging vs. Lump Sum Calculator
Compare investing a windfall all at once against spreading it out in equal monthly amounts — under a steady assumed return, one of these has a built-in mathematical edge.
Loan Eligibility Calculator
Estimate the maximum loan amount you could qualify for, based on your income — working backward from a lender's typical debt-to-income constraint.
Dividend Reinvestment (DRIP) Calculator
See exactly how much reinvesting dividends into more shares — instead of taking them as cash — adds to a stock position's long-run value.
Profit Margin Calculator
Find your profit margin percentage from revenue and cost — a core business health metric measuring how much of each sales dollar is actually kept as profit.
Debt Consolidation Calculator
Compare your combined current monthly debt payments against a single consolidation loan, to see the real monthly savings.
Real Rate of Return Calculator
Find out what an investment's return is actually worth after inflation — the number that determines whether your money's real purchasing power grew at all.
ROI Calculator
Find the return on investment percentage for any gain and cost — a universal, simple metric for judging investment performance, with one important blind spot worth understanding.
Asset Allocation Calculator
Find a portfolio's blended expected return from its mix of stocks, bonds and cash — the single number a stock/bond split is really deciding.
Extra Mortgage Payment Calculator
See exactly how much time and interest a fixed extra monthly payment saves on your mortgage, with a full accelerated amortization schedule.
Cost of Waiting to Invest Calculator
See exactly what delaying the start of a monthly investing habit costs by the time your original horizon ends — a real number for a genuinely common form of procrastination.
Credit Card Payoff Calculator
Find out how many months it takes to pay off a credit card balance — and see exactly why paying only the minimum can trap a balance in place indefinitely.
Student Loan Calculator (With Grace Period)
Find your student loan payment accounting for interest that accrues and capitalizes during a grace or deferment period before repayment begins.
Freelance Rate Calculator
Find the hourly rate you need to charge to hit your income target — accounting for the reality that freelancers rarely bill 100% of their working hours.
PMI (Private Mortgage Insurance) Calculator
Estimate your monthly private mortgage insurance cost and the loan balance at which it can typically be removed.
Simple Interest Calculator
Calculate simple interest and the total amount owed or earned — the more straightforward, linear counterpart to compound interest.
Taxable vs. Tax-Advantaged Account Calculator
See exactly how much annual tax drag costs a growing investment over decades — the specific advantage a 401(k), IRA, or similar tax-advantaged account has over an ordinary taxable brokerage account.
Personal Loan Calculator (With Origination Fee)
Find your true personal loan cost — the origination fee is deducted from what you receive, but you repay it on top of the full loan amount.
Hourly to Salary Calculator
Convert an hourly wage into equivalent annual, monthly and weekly pay — a straightforward but genuinely useful conversion for comparing job offers and understanding true earning potential.
Loan Comparison Calculator (Two Offers)
Compare two loan offers side by side — different rates, different terms — to see which one actually costs less.
Sales Tax Calculator
Add sales tax to a price and see the total you'll pay — a simple, universal calculation across any percentage-based consumption tax.
Home Equity Loan / HELOC Calculator
Find your available home equity and how much you could borrow against it, based on your home's value, mortgage balance, and lender's maximum loan-to-value ratio.
Net Worth Calculator
Add up what you own and subtract what you owe to find your net worth — a single, honest snapshot of overall financial position.
Biweekly Mortgage Payment Calculator
See how switching to biweekly payments — half your monthly payment every two weeks — pays off your mortgage years sooner, without a large extra payment.
Loan Payoff Time Calculator
Find how many months it takes to pay off a loan at a fixed monthly payment you choose — the reverse of a standard loan calculator.
APR vs Interest Rate Calculator
See why a loan's APR runs higher than its stated interest rate once upfront fees are spread across the loan's balance and term.
Inflation Calculator
See what today's money will be worth in the future after inflation — and understand why a fixed sum feels smaller and smaller the longer it sits unused.
Mortgage Points Calculator
Find whether buying mortgage discount points to lower your rate is worth it, based on the points cost, monthly savings, and how long you'll keep the loan.
Required Rate of Return Calculator
Work backward from a savings goal to find the annual return your investment would actually need to earn to get there — and see if that number is realistic.
Savings Goal Calculator
Find out how much to save each month to hit your target on time — turning a fuzzy savings aspiration into a concrete, actionable monthly number.
Overtime Pay Calculator
Find your total pay including overtime at a premium rate — the standard structure for compensating hours worked beyond a normal threshold.
ARM vs Fixed-Rate Mortgage Calculator
Compare an adjustable-rate mortgage's intro-period payment and post-adjustment payment against a fixed-rate mortgage on the same loan.
Markup Calculator
Find the selling price and profit from a cost and a markup percentage — a foundational pricing calculation, easy to confuse with the related but distinct concept of profit margin.
Debt-to-Income Ratio Calculator
Find your debt-to-income ratio, a key number lenders use to assess borrowing capacity — and a genuinely useful personal check on how much of your income is already committed to debt.
Balloon Loan Calculator
Find the lower regular payment a balloon loan offers, and the size of the large lump-sum payment due when it matures early.
Rule of 72 Calculator
Estimate how many years it takes an investment to double at a given rate — a genuinely useful mental-math shortcut that predates calculators.
Break-Even Point Calculator
Find out how many units you need to sell before you start turning a profit — a foundational check for pricing and business viability decisions.
Prepayment Penalty Calculator
Compare the interest you'd save by paying off a loan early against the prepayment penalty it would cost, to see if early payoff is actually worth it.
Tip Calculator
Work out the tip and split the bill fairly among your group — a fast, everyday calculation for dining out or any shared expense.
Annuity Calculator
Find the lump sum needed today to generate a fixed monthly payment — the reverse of a typical savings projection.
Depreciation Calculator
Find the annual depreciation and current book value of an asset — the straight-line method's simple way of spreading purchase cost across an asset's useful life.