Financial Calculators

Every money question, one shelf of calculators

Money decisions rarely involve one number. A home purchase is a payment, a total interest figure and a comparison against renting; a savings plan is a deposit, a rate and the effect of compounding. The calculators in this category each answer one of those questions cleanly, and they share the same design: enter what you know, get the number you need, with the formula shown so you can check it.

Loans and credit

• Mortgage & Refinance — monthly payments, amortisation schedules and refinance break-even points.
• Loan / EMI — any instalment loan: monthly payment, total interest, total cost.
• Car Loan — auto financing plus depreciation, so you can see the true cost of ownership.
• Credit Card Payoff — how long a balance takes to clear and what the interest really costs.

Savings and growth

Compound Interest projects growth with monthly deposits; Simple Interest handles the flat, non-compounding kind used by many car loans and bonds; Savings Goal works backwards from a target; Retirement checks whether your nest egg is on track; ROI measures what an investment actually returned, annualised.

Taxes and prices

The Freelancer Tax Estimator covers quarterly set-asides in seven countries, Sales Tax adds or reverses retail tax on any price, and Inflation translates yesterday's prices into today's money. For pay-side questions — hourly to salary and back, raises, overtime — the Work & Salary category picks up where these leave off.

Every calculator runs entirely in your browser: nothing you type is sent anywhere, and each page documents its formulas and sources under the tool.