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Money & finance calculators
Understand interest, borrowing and savings using your own assumptions.
Savings & interest
Model savings balances, contributions and growth timelines.
Explore topic ↗19 calculatorsLoan & repayment
Compare monthly payments, financed amounts and interest costs.
Explore topic ↗7 calculatorsMortgage & property
Explore deposits, mortgage payments, equity and rental yields.
Explore topic ↗23 calculatorsInvestment return
Compare growth rates, portfolio shares and simple income yields.
Explore topic ↗14 calculatorsPersonal budget
Turn household expenses and cash targets into clear amounts.
Explore topic ↗1 calculatorsRetirement planning
Connect retirement savings, future spending and a modelled income gap.
Explore topic ↗1 calculatorsCurrency conversion
Convert amounts with explicit exchange-rate direction and reference dates.
Explore topic ↗All money & finance calculators
Simple Interest Calculator
Estimate interest when it is calculated only on the original principal.
Compound Interest Calculator
Estimate a future balance with a fixed rate and regular compounding.
Loan Payment Calculator
Estimate a fixed monthly repayment for a fully amortising loan.
Mortgage Payment Calculator
Estimate principal-and-interest payments on a fixed-rate mortgage.
Savings Contribution Calculator
Find the monthly contribution needed to reach a savings target without interest.
Future Value of Monthly Deposits Calculator
Estimate the future value of equal end-of-month deposits.
Present Value Calculator
Discount a future payment into today’s equivalent value.
Investment Return Calculator
Calculate a simple return relative to the amount originally invested.
CAGR Calculator
Find a constant annual growth rate connecting a starting and ending value.
Inflation Future Cost Calculator
Estimate a future price using an annual inflation rate you choose.
Real Return Calculator
Adjust a nominal investment return for inflation.
Effective Annual Rate Calculator
Convert a nominal annual rate into an effective rate after compounding.
Debt to Income Calculator
Compare monthly debt payments with gross monthly income.
Savings Rate Calculator
Calculate what share of take-home income you save.
Emergency Fund Calculator
Estimate a savings target based on monthly essential expenses and months of cover.
Rule of 72 Calculator
Approximate how long a sum takes to double at a constant annual return.
Savings Goal Time Calculator
Find how many whole months of fixed contributions reach a savings goal without interest.
Savings Interest Earned Calculator
Separate interest earned from the principal in a fixed-rate annual-compounding model.
Continuous Compounding Calculator
Estimate a balance when nominal interest compounds continuously.
Loan Total Interest Calculator
Estimate total interest on a fixed-rate monthly amortising loan.
Interest Only Loan Calculator
Find monthly interest for a loan whose principal is not reduced by regular payments.
Loan Affordability Calculator
Find the loan principal supported by a chosen fixed monthly payment.
Loan to Value Calculator
Compare secured borrowing with the property value supporting it.
Home Equity Calculator
Estimate property equity before sale costs by subtracting secured debt.
Rental Yield Calculator
Calculate gross annual rent as a percentage of property purchase price.
Net Rental Yield Calculator
Estimate rental yield after entered annual operating expenses.
Down Payment Calculator
Calculate a property deposit amount from a chosen percentage of price.
Capital Gains Return Calculator
Find absolute gain after subtracting entered purchase and selling costs.
Dividend Yield Calculator
Compare annual dividend per share with current share price.
Portfolio Weight Calculator
Calculate an asset’s percentage of a portfolio total.
Bond Current Yield Calculator
Calculate annual coupon income relative to a bond market price.
Expense Ratio Cost Calculator
Estimate annual fund fees from a constant assumed balance and expense ratio.
Sinking Fund Calculator
Find a regular monthly amount for a known future expense without interest.
Auto Loan Calculator
Estimate vehicle finance payments after a down payment, trade-in credit and financed fees.
Refinance Break Even Calculator
Find how long monthly payment savings take to recover refinancing costs.
Loan Balance Calculator
Estimate outstanding principal after a chosen number of regular loan payments.
Debt Payoff Time Calculator
Estimate whole months to clear a balance with a fixed monthly payment.
Credit Card Interest Calculator
Estimate billing-period interest from an average daily credit-card balance.
Flat Rate Loan Interest Calculator
Calculate interest under a flat-rate-on-original-principal loan model.
Balloon Loan Balance Calculator
Estimate principal remaining after a sequence of partial loan repayments.
Equal Principal First Payment Calculator
Find the first payment under a constant-principal-reduction loan schedule.
Equal Principal Total Interest Calculator
Calculate interest over an equal-principal repayment schedule.
Loan Payment Difference Calculator
Compare monthly payments under two fixed-rate borrowing scenarios.
Annuity Due Future Value Calculator
Estimate future value of equal beginning-of-month deposits.
Annuity Present Value Calculator
Discount a finite stream of equal end-of-period payments.
Annuity Payout Calculator
Find an equal monthly withdrawal that exhausts a balance over a chosen term.
Deferred Annuity Present Value Calculator
Discount equal future payments that begin after an additional waiting period.
Perpetuity Present Value Calculator
Value an ideal perpetual stream of equal payments.
Growing Perpetuity Calculator
Value an ideal infinite payment stream growing at a constant rate.
Retirement Fund Target Calculator
Translate a chosen annual retirement-income goal into a fund target under an assumed withdrawal percentage.
Retirement Savings Gap Calculator
Estimate the unfunded part of a future retirement target under a chosen growth assumption.
Inflation Adjusted Purchasing Power Calculator
Express a future nominal balance in today’s approximate purchasing-power terms.
Savings Drawdown Balance Calculator
Estimate a balance after equal withdrawals under a constant-return assumption.
Discount Factor Calculator
Find the multiplier that translates a future amount into present value.
Holding Period Return Calculator
Measure total simple return including cash received during the holding period.
Annualised Simple Return Calculator
Annualise a holding-period return for comparison across different durations.
Average Cost Per Share Calculator
Calculate a quantity-weighted average entry price across two purchases.
Portfolio Rebalance Amount Calculator
Find the amount needed to move one holding to a target portfolio weight.
Price Earnings Ratio Calculator
Compare a share price with entered earnings per share.
Earnings Yield Calculator
Express per-share earnings as a percentage of the current share price.
Price to Book Ratio Calculator
Compare share market price with entered book value per share.
Dividend Payout Ratio Calculator
Measure the share of per-share earnings paid as dividends.
Bond Coupon Payment Calculator
Find the periodic coupon amount from bond face value and annual coupon rate.
Bond Price Calculator
Discount a fixed bond’s coupons and redemption value at a chosen per-period yield.
Investment Fee Drag Calculator
Compare compounded balances with and without an assumed ongoing return reduction.
Inflation Linked Payment Calculator
Estimate a future payment that increases at a chosen fixed annual rate.
Budget Surplus Calculator
Find money left after entered expenses for a matching income period.
Rent to Income Ratio Calculator
Express rent as a share of the monthly take-home income you enter.
Income Replacement Ratio Calculator
Compare entered future income with current annual income on a consistent basis.
Hourly to Annual Salary Calculator
Translate a regular hourly wage and paid schedule into gross annual earnings.
Monthly Salary to Weekly Calculator
Convert recurring monthly gross pay into a weekly equivalent.
Pay Rise Calculator
Find gross pay after a chosen percentage salary increase.
Real Pay Change Calculator
Adjust a nominal pay change for an entered rate of price inflation.
Overtime Total Pay Calculator
Combine regular and overtime earnings into total gross pay for a period.
NPV Calculator
Find net present value of evenly spaced cash flows, including an initial time-zero amount.
IRR Calculator
Estimate one periodic internal rate of return for a conventional cash-flow sequence.
MIRR Calculator
Estimate modified internal rate of return with separate finance and reinvestment rates.
Loan Rate From Payment Calculator
Estimate a non-negative nominal annual loan rate from a level monthly payment.
Amortization Schedule Calculator
Calculate a level monthly payment and a month-by-month principal-and-interest schedule.
Mortgage Overpayment Calculator
Compare mortgage payoff time and interest with and without a fixed extra monthly principal payment.
Debt Snowball vs Avalanche Calculator
Compare payoff time and interest for multiple debts using snowball and avalanche repayment strategies.
Retirement Calculator
Project retirement savings, inflation-adjusted spending needs and a modelled funding gap.
Loan Interest Rate Calculator
Find the implied nominal annual interest rate from principal, monthly payment and payment count.
Currency Converter
Convert currencies using a rate you enter, with an option to fetch a dated indicative reference rate.
Take Home Pay Calculator
Calculate net pay from gross pay and tax, pension and other deductions that you enter for the same pay period.
Make your inputs count
Use this as a scenario model with rates and amounts you choose. Match interest periods to payment periods and check whether a rate is nominal or effective. Fees, taxes and changing rates can make real outcomes different from a simple mathematical estimate.