💰Finance & Money
Free finance calculators for loans, EMI, mortgage, compound interest, tax, tips, savings and investment returns. Plan your money in seconds.
🏦 Loan EMI Calculator Free loan EMI calculator. Enter loan amount, interest rate and tenure to get your monthly EMI, total interest and full repayment breakdown using the reducing-balance formula. 💵 Tip Calculator Free tip calculator: enter your bill, pick a tip percentage, and split the total between any number of people. See the tip, total, and per-person share instantly. 🪙 401k Calculator Free 401(k) calculator: project your retirement balance from your salary, contribution percent, employer match and expected return over the years ahead. 📊 Amortization Calculator Free amortization calculator: enter loan amount, rate and term to build a full amortization schedule with monthly payment, interest, principal and balance. 💰 Annual Income Calculator Free annual income calculator. Convert pay between hourly, daily, weekly, biweekly, monthly and yearly. Enter any figure with hours and weeks to see the rest. 💰 Annuity Calculator Free annuity calculator: enter payment, rate per period and number of periods to get present value and future value for ordinary and annuity-due payments. 📊 APR Calculator Free APR calculator: enter loan amount, fees, nominal rate and term to find the annual percentage rate, the true yearly cost of a loan once fees are included. 📈 APY Calculator Free APY calculator: convert a nominal annual rate and compounding frequency into the true annual percentage yield, plus the interest your balance earns. 🚗 Auto Loan Calculator Free auto loan calculator: enter vehicle price, down payment, trade-in, sales tax and APR to get your monthly car payment, total interest and total loan cost. 🧾 Bill Split Calculator Free bill split calculator: divide a bill among friends evenly or by custom shares, add a tip percent, and see each person's share plus the grand total. 🏡 Biweekly Mortgage Calculator Free biweekly mortgage calculator: compare biweekly vs monthly payments to see how many years and how much interest you save by paying your loan faster. ⚖️ Break Even Calculator Free break-even calculator. Enter fixed costs, variable cost per unit and price to find your break-even point in units and revenue, plus contribution margin. 🧮 50/30/20 Budget Calculator Free 50/30/20 budget calculator. Enter your monthly take-home pay to split it into 50% needs, 30% wants and 20% savings, and edit the percentages to fit you. 📦 Bulk Discount Calculator Free bulk discount calculator: enter unit price, quantity and a discount percent to get the subtotal, discount amount, final total and effective price per unit. 📈 CAGR Calculator Free CAGR calculator: enter a beginning value, ending value, and number of years to get the compound annual growth rate, plus total growth, instantly. 🏢 Cap Rate Calculator Free cap rate calculator for real estate. Enter net operating income and property value to get the capitalization rate, or solve for value at a target cap rate. 🏠 Cash on Cash Return Calculator Free cash-on-cash return calculator: enter annual pre-tax cash flow and total cash invested to get your CoC return percent instantly for any rental property. 🏦 CD Calculator Free CD calculator: enter your deposit, rate, term and compounding to find the maturity value, interest earned and effective APY on a certificate of deposit. 🎓 College Savings Calculator Free college savings calculator. Project current savings plus monthly contributions to college start, inflate the cost, and see your surplus or shortfall fast. 💼 Commission Calculator Free sales commission calculator: enter a sale amount and commission rate to get your commission instantly, add a base salary, and see your total pay fast. 📈 Compound Interest Calculator Free compound interest calculator: enter a principal, annual rate, years, and compounding frequency to see the final amount and total interest earned instantly. 📊 Contribution Margin Calculator Free contribution margin calculator: enter unit price and variable cost to get margin per unit, the contribution margin ratio, and total contribution. 🚗 Cost Per Mile Calculator Free cost per mile calculator. Enter fuel price and economy to get your driving cost per mile, add maintenance per mile, and find the total cost of a trip. 🏷️ Cost Plus Pricing Calculator Free cost-plus pricing calculator: enter your unit cost and markup percent to get the selling price, profit per unit, and resulting profit margin instantly. 🖱️ CPC Calculator Free CPC calculator: enter any two of total cost, clicks and cost per click to solve the third. Adds CTR and CPM from impressions for fast PPC ad math. 📊 CPM Calculator Free CPM calculator: enter any two of cost, impressions, or CPM and instantly solve for the third. CPM is the advertising cost per 1,000 ad impressions. 💳 Credit Card Payoff Calculator Free credit card payoff calculator: enter your balance, APR and fixed monthly payment to see how many months to pay off and the total interest you will pay. 💳 Credit Utilization Calculator Free credit utilization calculator: add each card balance and limit to get your overall utilization ratio, a rating, and how much to pay down to hit 30%. ⚖️ Current Ratio Calculator Free current ratio calculator: divide current assets by current liabilities to measure short-term liquidity and see working capital and what the ratio means. ❄️ Debt Snowball Calculator Free debt snowball calculator: list your debts and budget, see the payoff order, months to debt-free, and total interest using the proven snowball method. ⚖️ Debt to Equity Calculator Free debt-to-equity calculator. Enter total liabilities and shareholders equity to get your D/E ratio, percentage, and a clear leverage risk interpretation. ⚖️ Debt to Income Ratio Calculator Free debt-to-income calculator: enter your monthly debt and gross income to get your DTI ratio percentage and a clear rating of good, caution, or high. 📉 Declining Balance Depreciation Calculator Free declining balance depreciation calculator: enter cost, salvage, useful life and factor to build a double declining balance depreciation schedule by year. 🏷️ Discount Calculator Free discount calculator: enter a price and percent off to see the sale price and how much you save. Stack a second discount to find the true combined saving. 📈 Dividend Yield Calculator Free dividend yield calculator: enter annual dividend per share and share price to get the dividend yield percentage, plus your yearly dividend income. 🏷️ Double Discount Calculator Free double discount calculator: apply two stacked discounts to any price and see the final price, total saved, and the true equivalent single discount percent. 🏠 Down Payment Calculator Free down payment calculator: enter a home price and percent down to see your down payment amount and remaining loan. Compares 5%, 10%, and 20% tiers. 📊 EBITDA Calculator Free EBITDA calculator: add interest, taxes, depreciation and amortization back to net income to get EBITDA and the EBITDA margin from revenue instantly. 🛟 Emergency Fund Calculator Free emergency fund calculator: multiply your monthly essential expenses by target months of coverage to find how much to save, then see your savings timeline. 📈 EPS Calculator Free EPS calculator: enter net income, preferred dividends and weighted average shares to find earnings per share instantly, with formula and worked examples. 🧑💻 Freelance Rate Calculator Free freelance rate calculator: enter your target income, billable hours, weeks worked and overhead to get the hourly rate you need to charge to hit your goal. 📈 Future Value Calculator Free future value calculator. Enter present value, annual rate, years, compounding and contributions to project growth, total contributions and interest. 💸 Gross Up Calculator Free gross-up calculator: enter a desired net amount and total deduction rate to find the gross needed so take-home equals your target after deductions. 🧾 GST Calculator Free GST calculator: add GST to a net price or remove GST from a GST-inclusive total. Enter the amount and rate to see the net, GST, and total instantly. 🏡 Home Affordability Calculator Free home affordability calculator using the 28/36 rule. Enter your income, debts, down payment and mortgage rate to see how much house you can afford. 💰 Hourly to Salary Calculator Free hourly to salary calculator. Convert an hourly wage to weekly, monthly and annual gross pay, or a salary back to hourly, using your own hours and weeks. 🏠 Interest Only Loan Calculator Free interest-only loan calculator. Enter loan amount, APR and the interest-only term to see your monthly interest payment, total interest and balance owed. 📦 Inventory Turnover Calculator Free inventory turnover calculator: enter COGS and average inventory to get your inventory turnover ratio and days sales of inventory (DSI) instantly. ⏰ Late Fee Calculator Free late fee calculator: add a flat fee or percentage of an overdue invoice plus optional daily or monthly interest to get the total charge and new balance. 🚗 Car Lease Calculator Free car lease calculator: enter price, residual value, term and money factor to get your monthly lease payment with a full depreciation and finance breakdown. ⚖️ Loan Comparison Calculator Free loan comparison calculator: compare two loans by amount, rate and term to see the monthly payment, total interest and which loan is cheaper overall. 🏠 Loan to Value Calculator Free LTV calculator: enter your loan amount and property value, or price and down payment, to get your loan-to-value ratio and see how it affects PMI and rates. 📊 Profit Margin Calculator Free profit margin calculator: enter cost and selling price to get profit, gross margin %, and markup % instantly. See the difference between margin and markup. 🏷️ Markup Calculator Free markup calculator. Enter cost and markup percent to get the selling price and profit, or enter cost and price to find the markup percentage and margin. 🔁 Markup to Margin Converter Free markup to margin converter. Turn any markup percent into a profit margin percent, or convert a margin back to markup, with the exact formula shown. 💰 Minimum Wage Calculator Free minimum wage calculator: convert an hourly wage to weekly, monthly and yearly gross pay using your hours per week and weeks per year in just seconds. 🏠 Mortgage Calculator Free mortgage calculator: enter home price, down payment, rate and term to see your monthly mortgage payment, total interest and full cost of the home loan. 🏠 Mortgage Payoff Calculator Free mortgage payoff calculator. Add an extra monthly payment to see your new payoff date, months saved, and total interest saved versus your current schedule. 📊 Net Worth Calculator Free net worth calculator: list your assets and liabilities to see total assets minus total liabilities and your net worth, positive or negative, instantly. 📈 NPV Calculator Free NPV calculator: enter a discount rate, initial investment and yearly cash flows to get net present value, discounted cash flow and a clear verdict. ⏱️ Overtime Pay Calculator Free overtime pay calculator: enter your hourly rate, regular hours, overtime hours and multiplier to get time and a half pay, overtime pay and gross total. ⏳ Payback Period Calculator Free payback period calculator: enter your initial investment and cash inflow to see how long it takes to break even, for even or uneven yearly cash flows. 💳 PayPal Fee Calculator Free PayPal fee calculator. Enter an amount to see the PayPal fee and what you receive, or work backwards to find the charge that nets your target amount. 📈 PE Ratio Calculator Free P/E ratio calculator: enter share price and EPS, or net income and shares, to get the price to earnings ratio plus the earnings yield in seconds. 💸 Present Value Calculator Free present value calculator: enter a future value, annual discount rate, years and compounding to find the present value of money and the total discount. 📉 Price Elasticity Calculator Free price elasticity of demand calculator using the midpoint method. Enter your old and new price and quantity to get PED and see if demand is elastic. 🏷️ Price Per Unit Calculator Free price per unit calculator: enter total price and quantity for each product, compare cost per unit instantly, and see which option is the cheapest value. 📈 Profit Calculator Free profit calculator: enter cost and revenue (and optional quantity) to instantly find profit, profit margin percent, markup percent, and ROI for any sale. 🏠 Refinance Calculator Free mortgage refinance calculator. Compare your current loan to a new rate and term, see monthly savings, and find the break-even point on closing costs. 🏠 Rent Affordability Calculator Free rent affordability calculator using the 30 percent rule. Enter your gross income to see how much rent you can afford, with 25%, 30% and 35% thresholds. 🏠 Rental Yield Calculator Free rental yield calculator: enter property price, monthly rent and annual costs to get your gross and net rental yield instantly as clear percentages. 🏖️ Retirement Savings Calculator Free retirement savings calculator: project your nest egg from your age, current savings, monthly contributions and expected return with monthly compounding. 🏖️ Retirement Withdrawal Calculator Free retirement withdrawal calculator using the 4% rule. Enter your portfolio and safe withdrawal rate to see your annual and monthly income, or reverse it. 📈 ROAS Calculator Free ROAS calculator: enter ad revenue and ad spend to get your return on ad spend as a ratio and percent, plus the break-even ROAS your margin needs. 📊 ROE Calculator Free return on equity (ROE) calculator. Enter net income and shareholders equity to get your ROE percent instantly, plus a plain-English read on the result. 📈 ROI Calculator Free ROI calculator. Enter the amount invested and the final amount to get your return on investment percentage, net gain or loss, and the annualized ROI. 🌱 Roth IRA Calculator Free Roth IRA calculator: enter your balance, yearly contribution, years and expected return to project your tax-free retirement nest egg and total growth. ⏳ Rule of 72 Calculator Free Rule of 72 calculator: enter an interest rate to find the years to double your money, or enter years to find the rate needed, plus the exact math result. ⚖️ Salary Comparison Calculator Compare two job offers side by side. Enter salary or hourly pay, bonus and benefits to see each annual package, effective hourly rate and the difference. 📈 Salary Raise Calculator Free salary raise calculator: enter your current pay and a raise percent or new salary to see your new salary, raise amount, percent, and monthly impact. 🧾 Sales Tax Calculator Free sales tax and VAT calculator: enter an amount and a tax rate to see the tax and total. Reverse mode extracts the tax from a tax-inclusive price. 🎯 Savings Goal Calculator Free savings goal calculator. Enter your target, current savings, time frame and optional interest rate to find how much to save each month to reach it. 🐷 Savings Rate Calculator Free savings rate calculator: enter your income and what you save each period to get your savings percentage, yearly total, and how it compares to FIRE goals. 🧮 Simple Interest Calculator Free simple interest calculator: enter principal, annual rate, and time in years to see the interest earned and the total amount. Uses I = P × R × T ÷ 100. 📉 Straight Line Depreciation Calculator Free straight-line depreciation calculator. Enter asset cost, salvage value and useful life to get annual depreciation plus a full year-by-year schedule. 🎓 Student Loan Calculator Free student loan calculator: enter your balance, APR and term for the monthly payment, total interest and total paid, plus interest saved from extra payments. 🔁 Subscription Cost Calculator Free subscription cost calculator: add every plan, pick its billing cycle, and see your true monthly and yearly subscription spending added up in one place. 🙏 Tithe Calculator Free tithe calculator: enter your income and a tithe percentage to see the tithe amount (10% by default) and what remains. Supports gross or net income. 🕌 Zakat Calculator Free zakat calculator. Add your cash, gold, silver and investments, subtract debts, enter the nisab, and see the 2.5% zakat due on your net wealth instantly.
Money decisions are easier when you can see the numbers. Our finance calculators help you estimate loan repayments, compare interest over time, split a bill, and understand what a deal really costs before you commit, using the same formulas banks use.
These tools give estimates for planning and education, not financial advice. Always confirm exact figures with your lender or a qualified adviser.