Finance Calculators
Twenty-three calculators for borrowing, saving, investing and pricing decisions: monthly payments and full amortization schedules, affordability and refinance comparisons, compounding and retirement projections, plus everyday arithmetic like discounts, tips and sales tax. Five have US, UK, Canada and Australia versions in local currency.
Loan / EMI Calculator
Calculate your monthly loan payment (EMI), total interest and payoff for any loan amount, rate and term.
Private · in-browserMortgage Calculator
Estimate your monthly mortgage payment, total interest and total cost over the life of the loan.
Private · in-browserAuto Loan Calculator
Work out your car loan’s monthly payment and total interest by amount, rate and term.
Private · in-browserPersonal Loan Calculator
Calculate monthly payments and total cost for a personal loan.
Private · in-browserStudent Loan Calculator
Estimate student loan monthly payments and total interest over the repayment term.
Private · in-browserCompound Interest Calculator
See how investments grow with compound interest and optional regular contributions.
Private · in-browserSimple Interest Calculator
Calculate simple interest and the final amount for a principal, rate and time.
Private · in-browserSIP / Investment Calculator
Project the future value of regular monthly investments at an expected annual return.
Private · in-browserRetirement Calculator
Estimate your retirement savings by combining a starting balance with monthly contributions and growth.
Private · in-browserTake-Home Pay Calculator
Estimate take-home pay after income tax from a gross salary.
Private · in-browserIncome Tax Calculator
Estimate income tax using progressive tax brackets and see your effective and marginal rates.
Private · in-browserSales Tax / VAT / GST Calculator
Add or extract sales tax, VAT or GST from any amount at a chosen rate.
Private · in-browserMortgage Affordability Calculator
Estimate how much home you can afford from income, debts and a target payment.
Private · in-browserRefinance Calculator
Compare your current loan with a refinance to see monthly and lifetime savings.
Private · in-browserDown Payment Calculator
Calculate a down payment amount and the resulting loan from price and percentage.
Private · in-browserInflation Calculator
See how inflation changes the future value and purchasing power of money over time.
Private · in-browserROI Calculator
Calculate return on investment (ROI) and net profit from cost and final value.
Private · in-browserBreak-Even Calculator
Find the number of units you must sell to cover fixed and variable costs.
Private · in-browserSavings Goal Calculator
Work out the monthly amount to save to hit a target by a deadline, with interest.
Private · in-browserLoan Comparison Calculator
Compare two loans side by side on monthly payment and total interest.
Private · in-browserAmortization Schedule Calculator
Generate a full amortization schedule showing principal, interest and balance each month.
Private · in-browserTip Calculator
Calculate the tip and split the bill between any number of people.
Private · in-browserDiscount Calculator
Find the sale price and amount saved from an original price and discount percent.
Private · in-browserWhich calculator do I need?
- Borrowing — the loan calculator gives the monthly payment for any amount, rate and term; the mortgage, auto loan, personal loan and student loan versions apply the same amortizing formula with each product’s defaults. Use the amortization schedule to see principal and interest over the term, and the loan comparison calculator to compare two offers.
- Buying a home — affordability works backwards from income and debt to a price you can carry, down payment turns a percentage into a cash figure and a loan size, and refinance compares your current loan with one you are offered.
- Growing money — compound interest for a balance that compounds, simple interest for the flat-rate case, regular investing for a monthly contribution, savings goal to solve for the monthly amount a deadline demands, and retirement to project a starting balance plus contributions forward.
- Pricing and business — ROI, break-even, discount, sales tax, VAT or GST, and inflation, the step people skip when comparing figures across decades.
- Pay — take-home pay and income tax, plus a tip calculator for splitting a bill.
What the outputs assume
Every loan tool models a fixed rate with equal monthly payments and no fees. A lender quote comes out higher because it folds in origination costs, property tax and insurance escrow, or mortgage insurance — much of the gap between a rate and an APR, which the APR versus interest rate guide unpacks. Investment projections assume one constant annual return, which no market delivers, so run them at several rates and treat the spread as the answer.
The tax tools need a caveat. Income tax and take-home pay default to a simplified demonstration bracket table that demonstrates how progressive brackets behave; it is not for filing. Five tools — loan, mortgage, sales tax, income tax and take-home pay — also have US, UK, Canada and Australia versions with local currency and their own bracket tables, linked from the top of each page. Payroll deductions such as Social Security are not included.
Further reading
How EMI is calculated, how much house you can afford, whether refinancing pays off, and compound interest explained.
These are estimates for planning, not quotes or tax advice. Verify anything material against official rate tables, your lender’s written illustration, or a qualified accountant.
Frequently asked questions
- Why is my lender’s monthly payment higher than this calculator shows?
- Because the calculator prices the loan itself: principal and interest at a fixed rate. A real quote typically adds property tax and insurance escrow, mortgage insurance if the down payment is small, and origination or administration fees. Compare the principal-and-interest line of your quote against the tool, not the total.
- Loan calculator or amortization calculator?
- The loan calculator answers what the monthly payment and total interest are. The amortization calculator answers where the money goes over time, showing the principal and interest split and the remaining balance year by year. Start with the first to size a loan, then open the second to see how slowly early payments touch the principal.
- What is the difference between an interest rate and an APR?
- The interest rate prices the borrowed money alone. The APR expresses rate plus mandatory fees as a single annual percentage, so it is the fairer basis for comparing two offers. These calculators take a plain interest rate, which means a loan with heavy fees will look cheaper here than it is in practice.
- Do the investment projections account for inflation, fees and tax?
- No. They compound your contributions at the nominal return you enter, so the result is a nominal future amount in tomorrow’s money, before fund charges and before tax on gains. Subtract expected fees from your return rate, and use the inflation calculator separately to see what the projected sum would actually buy.
- Which country version should I use?
- Use your own for anything tax- or currency-sensitive: the US, UK, Canada and Australia versions of the loan, mortgage, sales tax, income tax and take-home pay tools format in local currency and apply their own bracket or rate tables. The base pages are currency-neutral and fine for pure payment math.