💰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 amount, interest rate and tenure to get your monthly EMI, total interest and full amortization 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 projects your retirement balance from salary, contribution percent, employer match and return. See 2026 limits, growth, and catch-up rules. 📊 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 converts hourly, daily, weekly, biweekly and monthly pay to a yearly salary. Set your hours and weeks to see every gross figure. 💰 Annuity Calculator Free annuity calculator: enter payment, rate per period and number of periods to get the present value and future value of an ordinary annuity or annuity due. 💸 Annuity Payout Calculator Free annuity payout calculator: enter your balance, interest rate, and years to see the level monthly or annual income that fully depletes the annuity. 📊 APR Calculator Free APR calculator finds the true annual percentage rate of a loan. Enter the amount, fees, nominal rate and term to compare offers and see real borrowing cost. 📈 APY Calculator Free APY calculator: turn a nominal rate and compounding frequency into the true annual percentage yield, see the interest your savings earn, and compare accounts. 🚗 Auto Loan Calculator Free auto loan calculator estimates your monthly car payment, total interest and full loan cost from price, down payment, trade-in, sales tax and APR. 🧾 Bill Split Calculator Free bill split calculator: divide a bill evenly or by custom shares, add a tip percent, handle tax and itemized orders, and see each person's share instantly. 🏡 Biweekly Mortgage Calculator Free biweekly mortgage calculator compares biweekly vs monthly payments so you see the years and interest saved by paying your loan every two weeks. 🚤 Boat Loan Calculator Free boat loan calculator: enter boat price, down payment, trade-in, sales tax, term and APR to see your monthly payment, amount financed and total interest. ⚖️ Break Even Calculator Free break-even calculator. Enter fixed costs, variable cost per unit and price to find your break-even point in units, revenue, contribution margin and safety. 🧮 50/30/20 Budget Calculator Free budget calculator using the 50/30/20 rule. Enter your monthly take-home pay to split it into needs, wants and savings, and edit the percentages to fit you. 📦 Bulk Discount Calculator Free bulk discount calculator: enter unit price, quantity and discount percent to get the subtotal, savings, final total and effective price per unit instantly. 🏢 Business Loan Calculator Free business loan calculator: enter loan amount, APR, term and origination fee to see your monthly payment, total interest, net funds and the true total cost. 📈 CAGR Calculator Free CAGR calculator: enter a beginning value, ending value, and years to get the compound annual growth rate, total growth, and doubling time instantly. 🏢 Cap Rate Calculator Free cap rate calculator for real estate. Enter net operating income and property value to find the capitalization rate, or solve for value at a target cap rate. 📈 Capital Gains Tax Calculator Free capital gains tax calculator for 2025. Enter purchase price, sale price, holding period, and income to estimate your federal tax and net proceeds fast. 🚗 Car Affordability Calculator Free car affordability calculator based on your income and debt. Enter your pay and monthly bills to see your maximum car payment, loan amount and car price. 🚗 Car Loan Refinance Calculator Free car loan refinance calculator: compare your current auto loan to a new APR and term to see your monthly savings and how much lifetime interest you would cut. 🏠 Cash on Cash Return Calculator Free cash on cash return calculator for rental property: enter annual pre-tax cash flow and total cash invested to get your CoC return percent instantly. 🏦 CD Calculator Free CD calculator finds your certificate of deposit maturity value, interest earned and effective APY. Enter deposit, rate, term and compounding for instant results. 🏡 Closing Cost Calculator Free closing cost calculator: enter a home price and down payment to estimate lender fees, title, prepaids, total closing costs, and the cash you need to close. 🎓 College Savings Calculator Free college savings calculator. Project your current savings and monthly contributions to college start, inflate the cost, and see your surplus or shortfall. 🏢 Commercial Mortgage Calculator Free commercial mortgage calculator: enter loan amount, rate, amortization and term to find your monthly payment, balloon payment, total paid and interest. 💼 Commission Calculator Free commission calculator: enter a sale amount and rate to get your commission instantly. Add a base salary and see total pay, with tiered and split examples. 📈 Compound Interest Calculator Free compound interest calculator with monthly contributions, daily to yearly compounding, charts, and the exact formula. See your final balance and interest earned. 📊 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 instantly. 🚗 Cost Per Mile Calculator Free cost per mile calculator. Enter fuel price and MPG to get your driving cost per mile, add maintenance, and see the total fuel cost of any trip instantly. 🏷️ Cost Plus Pricing Calculator Free cost-plus pricing calculator: enter unit cost and markup percent to get the selling price, profit per unit, and the true profit margin your markup delivers. 🖱️ CPC Calculator Free CPC calculator: enter any two of cost, clicks and cost per click to solve the third. Adds CTR and CPM from impressions, with 2026 PPC benchmarks. 📊 CPM Calculator Free CPM calculator: enter any two of cost, impressions or CPM and instantly solve the third. Fast, accurate cost per mille math for planning ad budgets. 💳 Credit Card Payoff Calculator Free credit card payoff calculator: enter balance, APR and monthly payment to see months to pay off, total interest and how much a higher payment saves you. 💳 Credit Utilization Calculator Free credit utilization calculator: add each card balance and limit to get your ratio, a rating, and exactly how much to pay down to hit 30% or 10%. 💱 Currency Converter Free currency converter with live daily exchange rates. Convert USD, EUR, GBP, JPY, INR, CNY and more, see the unit rate and date, and swap currencies in one click. ⚖️ Current Ratio Calculator Free current ratio calculator: divide current assets by current liabilities to measure short-term liquidity, see working capital, and learn what your ratio means. 📈 Dave Ramsey Investment Calculator Free Dave Ramsey investment calculator. See your future balance at 12 percent with monthly contributions and a year by year contributions vs growth split. 🔗 Debt Consolidation Calculator Free debt consolidation calculator: enter your current debts and a new loan, then compare the monthly payment, weighted APR, total interest and cash-flow change. ❄️ Debt Snowball Calculator Free debt snowball calculator. List your debts and budget to see the payoff order, your debt-free date, months remaining, and total interest with the 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 read in seconds. ⚖️ Debt to Income Ratio Calculator Free debt-to-income calculator. Enter your monthly debt and gross income to get your DTI ratio percentage, a good, caution, or high rating, and lender limits. 📉 Declining Balance Depreciation Calculator Free declining balance depreciation calculator. Enter cost, salvage, life and factor to get the rate, first-year expense and a full double declining schedule. 🏷️ Discount Calculator Free discount calculator finds your sale price, dollars saved, and effective percent off. Stack two coupons, reverse a discount, and add sales tax in seconds. 💰 Dividend Calculator Free dividend calculator to find your dividend yield, annual and per-payment income, and a DRIP reinvestment projection. Enter shares, price, and dividend per share. 📈 Dividend Yield Calculator Free dividend yield calculator: enter the annual dividend per share and share price to get the yield percentage, plus your annual dividend income in seconds. 🏷️ Double Discount Calculator Free double discount calculator applies two stacked discounts to any price, showing 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 cash upfront, remaining loan, LTV, and PMI impact. Compare 3.5%, 5%, 10%, 20%. 📊 Debt to Income Ratio Calculator Free DTI calculator. Enter income, housing and monthly debts to get your back-end and front-end debt to income ratio, a lender category, and loan-type limits. 🏷️ eBay Fee Calculator Free eBay fee calculator: enter sale price, shipping, and item cost to estimate final value fees, the fixed fee, your net payout, and real profit in seconds. 📊 EBITDA Calculator Free EBITDA calculator adds interest, taxes, depreciation and amortization back to net income to find EBITDA, the EBITDA margin and an EV/EBITDA valuation. watt Electricity Cost Calculator Free electricity cost calculator: enter watts, hours per day, and your rate per kWh to see energy used and the cost per day, month, and year for any appliance. 🛟 Emergency Fund Calculator Free emergency fund calculator: multiply monthly essential expenses by 3 to 6 months to find your savings target, then see the gap and timeline to reach it. 📈 EPS Calculator Free EPS calculator: enter net income, preferred dividends and weighted average shares to find earnings per share, with the formula, examples and benchmarks. 🧾 Federal Income Tax Calculator Free federal income tax calculator for 2025. Estimate your federal tax, effective rate, marginal rate and after-tax income by filing status and standard deduction. 🏠 FHA Loan Calculator Free FHA loan calculator with upfront and monthly MIP, 3.5% down, taxes and insurance. See your real FHA monthly payment, base loan and total financed amount. 🧑‍💻 Freelance Rate Calculator Free freelance rate calculator. Enter your income goal, billable hours, weeks and overhead to get the hourly rate you must charge, plus day and project rates. 📈 Future Value Calculator Free future value calculator. Enter present value, rate, years, compounding and monthly contributions to project growth, total deposits and compound interest. ⛽ Gas Cost Calculator Free gas cost calculator. Enter trip distance, MPG and gas price to get total fuel cost, gallons needed, cost per person and cost per mile. US and metric. 💸 Gross Up Calculator Free gross-up calculator: enter a target net amount and deduction rate to find the gross pay needed so take-home equals that target after taxes. 🧾 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 net, GST, CGST/SGST and total instantly. 🏠 HELOC Calculator Free HELOC calculator: enter home value, mortgage balance and CLTV to find your available home equity line of credit, plus interest-only and repayment payments. 💰 High Yield Savings Account Calculator Free high yield savings account calculator: project your balance, interest earned, and yearly growth from your deposit, monthly contributions, and APY. 🏡 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 really afford. 🏡 Home Equity Loan Calculator Home equity loan calculator: enter home value, mortgage balance, rate and term to see available equity, monthly payment, total cost and total interest fast. 💰 Hourly to Salary Calculator Free hourly to salary calculator that converts hourly, weekly, biweekly, monthly and annual pay both ways, with overtime, PTO and pay period math built in. 💸 Inflation Calculator Free inflation calculator. Enter an amount, an annual inflation rate and years to see future cost, future purchasing power and cumulative inflation instantly. 🏠 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 instantly get your turnover ratio, days sales of inventory (DSI), and benchmarks. 🏦 IRA Calculator Free IRA calculator shows how your Traditional or Roth IRA grows by retirement. Enter your balance, yearly contribution, age and return for a full projection. 📊 IRR Calculator Free IRR calculator: enter an initial investment and period cash flows to get the internal rate of return and NPV at any discount rate you choose. ⏰ 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. 🎰 Lottery Tax Calculator Free lottery calculator compares lump sum vs annuity payout after federal and state taxes. See your real take-home from any jackpot in seconds, no signup. 🏠 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. 📈 Marginal Cost Calculator Free marginal cost calculator: enter old and new total cost and quantity to find the marginal cost per unit, the cost of producing one more unit of output. 🏷️ 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 with taxes, insurance and PMI. Enter home price, down payment, rate and term to see your monthly payment, total interest and full loan cost. 🏡 Mortgage Payoff Calculator With Extra Payments Free mortgage extra payment calculator: see how adding extra each month cuts your payoff time and total interest. Compare payoff with and without extra payments. 🏠 Mortgage Payoff Calculator Free mortgage payoff calculator: add an extra monthly payment to see how many years and how much interest you save, plus your new payoff date in seconds. 💵 Net Income Calculator Free net income calculator: enter revenue, COGS, operating expenses, interest, and taxes to get net income (the bottom line) and your net profit margin. 📊 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. 🔀 Opportunity Cost Calculator Free opportunity cost calculator. Enter the value of your chosen option and the next best alternative to see the opportunity cost, the net gain or loss, and which option wins. ⏱️ Overtime Calculator Free overtime calculator: enter your hourly rate, regular hours and overtime hours to see time-and-a-half or double-time pay, total earnings and your effective rate. ⏱️ 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. 💵 Paycheck Calculator Free paycheck calculator for 2025. Estimate your take-home pay after federal income tax and FICA payroll tax from gross pay, frequency, and filing status. 💳 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. 🏷️ Percent Off Calculator Free percent off calculator: enter a price and a discount to get the sale price and money saved, or enter the sale price to find the percent off in seconds. 💵 Personal Loan Calculator Free personal loan calculator: enter loan amount, APR, term and origination fee to see your monthly payment, total interest, total cost and first payment split. 💸 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 Square Foot Calculator Free price per square foot calculator: divide a total price by square footage to get the cost per sq ft, or work backward to a total. Includes price per sq m. 🏷️ 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. 📈 Profit Margin Calculator Free profit margin calculator. Enter price and cost to get profit margin, markup and gross profit, or enter cost and a target margin to find the selling price. 🏠 Prorated Rent Calculator Free prorated rent calculator: enter your monthly rent, a method, and a move-in date or days occupied to get the exact partial-month rent due, with the daily rate shown. 🏠 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. 🏠 Rent vs Buy Calculator Free rent vs buy calculator. Compare the true multi-year cost of buying a home versus renting, see which is cheaper, and find your break-even year instantly. 🏠 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. 💰 Retained Earnings Calculator Free retained earnings calculator: add beginning retained earnings and net income, subtract dividends, and get ending retained earnings instantly. Handles a net loss. 🏖️ Retirement Calculator Free retirement calculator projects your nest egg from current age, savings, monthly contributions and return, plus a 4% safe withdrawal estimate. 🏖️ 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. 🏠 Reverse Mortgage Calculator Free reverse mortgage calculator estimates your available principal limit and net proceeds by home value, age and existing balance. Illustrative only, not a HUD quote. 📈 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 projects your tax-free nest egg. Enter your balance, yearly contribution, years and return to see growth, with 2026 limits and tips. ⏳ 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. 💵 Salary to Hourly Calculator Free salary to hourly calculator. Convert an annual salary into hourly, daily, weekly, biweekly and monthly gross pay, or reverse hourly back to a yearly salary. 🧾 Sales Tax Calculator Free sales tax calculator: add tax to a price or reverse it out of a tax-inclusive total. Works for US sales tax, VAT and GST. See net, tax and total instantly. 🎯 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. 🪙 Scrap Gold Calculator Free scrap gold calculator. Enter weight, karat, and the live spot price to get the melt value of your gold instantly, plus an estimated dealer payout. 🧮 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. 💰 SIP Calculator Free SIP calculator to estimate the maturity value of a monthly SIP investment. Enter amount, expected return and years to see total invested and returns. 📉 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. ⏰ Timesheet Calculator Free timesheet calculator that adds up daily hours from start, end, and break times, totals your week in decimal and H:MM, and works out gross pay with overtime. 🙏 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. 🏷️ Unit Price Calculator Free unit price calculator: enter the price and size of up to three items, see the price per unit for each, and instantly find the cheapest per unit deal. 🎖️ VA Mortgage Calculator Free VA mortgage calculator estimates your monthly VA loan payment with zero down, no PMI, and the financed VA funding fee. See principal, interest, tax and total. 🧾 VAT Calculator Free VAT calculator to add VAT to a net price or remove VAT from a gross total. Enter the amount and rate to see the net, VAT amount and gross instantly. 🕌 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.