Free Finance & Money Calculators

Find your fixed monthly loan payment and see exactly how each year splits between interest and principal. Enter the loan amount, annual interest rate, and term to get the payment, total interest, and a full year-by-year amortization schedule — all computed in your browser.

Turn a nominal annual rate (APR) and its compounding frequency into the effective annual percentage yield (APY), and see the interest a balance earns in one year.

Find the exact number of units you must sell — and the revenue you must generate — before your business starts turning a profit. Enter your fixed costs, variable cost per unit, and selling price to get an instant break-even analysis.

Find the compound annual growth rate (CAGR) of an investment or revenue figure from its starting value, ending value and the number of years between them. CAGR smooths uneven year-to-year returns into one steady annual percentage, making it easy to compare investments over different periods. The tool also shows total growth so you can see the full change at a glance.

Estimate the monthly payment on a car loan from the vehicle price, down payment, trade-in value, sales tax, annual rate (APR) and term in months. The calculator shows the amount financed, the monthly payment, the total you will pay over the loan, and the total interest cost.

See how an amount grows over time with compound interest, including optional regular contributions. The result separates your deposits from the interest earned.

Enter your credit card balance, APR, and a fixed monthly payment to see exactly how many months and years it will take to reach a $0 balance, along with the total interest and total amount you will pay. It also warns you when a payment is too small to ever clear the debt.

The Debt Payoff Calculator shows you exactly how long it will take to pay off your debt and the total interest cost — whether you use the avalanche (highest rate first) or snowball (lowest balance first) strategy.

Find the final price and the amount you save from a percentage discount.

Work out exactly how much you need to put down on a home. Enter a purchase price and a percentage to get the dollar amount, or enter a fixed dollar amount to get the percentage. Either way you instantly see the loan amount and loan-to-value ratio.

The Future Value Calculator shows how much a single lump-sum investment will be worth after a set number of years, accounting for compound interest at any compounding frequency.

Turn an hourly wage into an estimated annual, monthly, and weekly salary based on how many hours you work per week.

See how inflation reshapes money over time. Enter a dollar amount, an annual inflation rate and a number of years to learn both the future cost of the same purchase and what a future amount is worth in today's dollars, with a year-by-year breakdown.

Project how an investment could grow from a starting amount and regular monthly contributions, and see how much is your money versus compound growth.

Estimate the future value of any investment by entering your starting balance, regular contributions, expected annual return, and time horizon. See total gains, ROI, and a year-by-year breakdown instantly in your browser.

Estimate the monthly payment on a fixed-rate loan, plus the total you’ll pay and how much of that is interest. Works for auto loans, personal loans, and mortgages.

Turn cost into a selling price, or work out the markup and margin behind a price you already charge. Enter a unit cost plus either the selling price or your target markup percentage, and this calculator returns the profit per unit, the markup percent (profit over cost) and the margin percent (profit over price) instantly in your browser.

This monthly budget calculator helps you track income versus expenses, see your savings rate at a glance, and identify where your money is going each month.

Estimate the complete monthly cost of a home loan — not just principal and interest, but property tax, home insurance, PMI and HOA — and see a full amortization schedule. Add an extra monthly payment to see how much interest and time you save.

Find out what a future sum of money is worth today. Enter the future value, an annual discount rate and the number of years, and this calculator returns the present value plus the total discount applied — instantly, in your browser.

The Price Per Unit Calculator helps you quickly find the cost per individual unit — such as per ounce, pound, or item — so you can make smarter buying decisions and compare product value at a glance.

Enter your cost and selling price to see the profit, the profit margin, and the markup — the three numbers behind any pricing decision.

Project how large your retirement nest egg could grow from your current savings, your monthly contributions, an expected annual return, and the number of years left until you retire. The calculator separates how much you put in from how much compound growth adds, so you can see exactly what your money does over time.

Calculate your return on investment (ROI) instantly by entering your initial investment cost and the final return value to see your percentage gain or loss.

The Rule of 72 is a simple mental-math shortcut that estimates how many years it takes an investment to double at a fixed annual interest rate — or what rate is needed to double money in a given number of years.

Convert pay between hourly, daily, weekly, biweekly, monthly, and annual amounts, adjusting for the hours and weeks you actually work.

Find the hourly rate that an annual salary works out to, based on how many hours you work per week.

Add sales tax to a price using a rate you enter, and see the tax amount and the final total. Works for VAT and GST too.

Work out how much you need to save each month to reach a savings goal by a target date, allowing for a starting balance and an assumed interest rate.

Calculate simple interest — interest charged only on the original principal — and the total amount owed or earned.

Work out the tip and total for a bill, and split it evenly between any number of people.

Add VAT or GST to a net price, or work backwards to remove it from a gross price, at any rate — with the net, tax amount, and gross all shown.