Finance Calculators
23 free in-browser finance calculators — mortgage payments, break-even analysis, VAT, net worth, investment growth, and monthly budgeting. No signup, instant results.
Mortgage Calculator
Calculate monthly mortgage payments, total interest paid, and view an amortization schedule.
Break-Even Calculator
Find the break-even point in units and revenue given fixed costs, variable costs, and selling price.
VAT Calculator
Add or remove VAT/GST from any price. Supports custom tax rates and common presets.
Net Worth Calculator
Calculate your net worth by listing assets and liabilities. See a clear breakdown of where you stand.
Investment Calculator
Calculate the future value of a lump sum or regular contributions with compound interest.
Budget Calculator
Track income and expenses across categories to see how much you save each month.
Debt Payoff Calculator
Calculate how long to pay off a debt and total interest paid. Compare avalanche vs snowball strategies.
Inflation Calculator
Calculate the purchasing power of money over time using an annual inflation rate. See future or past equivalent values.
Emergency Fund Calculator
Calculate how large your emergency fund should be and how long it will take to save based on your monthly expenses.
Compound Interest Calculator
Calculate the power of compound interest. Choose compounding frequency: daily, monthly, quarterly, or annually.
Tip & Split Calculator
Calculate the tip amount and split a restaurant bill between any number of people.
Retirement Calculator
Project your retirement nest egg from current savings, monthly contributions, and expected return rate.
Loan Comparison Calculator
Compare two loan offers side by side — monthly payment, total interest, and total cost for each.
Currency Converter
Convert between 30+ major currencies using mid-market reference rates. Instant, no API, no signup.
Dividend Calculator
Calculate annual dividend income from shares owned and dividend yield. Includes DRIP reinvestment projection.
Payback Period Calculator
Calculate how many years it takes for an investment to pay back its initial cost from expected cash flows.
NPV Calculator
Calculate the Net Present Value (NPV) and IRR of a series of future cash flows at any discount rate.
Home Affordability Calculator
Calculate how much house you can afford based on income, debts, down payment, and the 28/36 DTI rule.
Rent vs Buy Calculator
Compare the total cost of renting vs buying a home over any time horizon. Includes opportunity cost of the down payment.
Tax Bracket Calculator
Calculate your 2024 US federal income tax using the official tax brackets. Shows effective rate, marginal rate, and bracket breakdown.
After-Tax Salary Calculator
Calculate your US take-home pay after federal income tax and FICA (Social Security + Medicare). Shows annual, monthly, and hourly net pay.
Rule of 72 Calculator
Use the Rule of 72 to estimate how long it takes to double your money at a given return rate — or what rate you need to double in a set number of years.
Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income (DTI) ratios to see if you qualify for a mortgage or other loans.
About these finance tools
Every calculator runs entirely in your browser — no account, no data sent to a server. Results update instantly as you type. The tools cover personal finance (mortgage, budget, net worth), business math (break-even), and investing (compound growth with regular contributions).
How is a mortgage payment calculated?
The standard formula for a fixed-rate monthly payment is: M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of monthly payments. The mortgage calculator also shows total interest paid over the life of the loan and a full amortization breakdown.
What is a break-even point?
The break-even point is the number of units you need to sell to cover all costs with zero profit. Formula: Break-even units = Fixed Costs ÷ (Selling Price − Variable Cost per Unit). Above the break-even point, every additional unit sold generates profit.
What is the difference between VAT and GST?
VAT (Value Added Tax) and GST (Goods and Services Tax) are functionally the same consumption tax, just named differently by country. The UK, EU, and most of the world use "VAT"; Australia, Canada, India, and New Zealand use "GST". The calculator works for both — just enter your local rate.