Finance & money tools

Loans, savings, investing and everyday money math — educational calculators, not financial advice.

Most popular

50/30/20 Budget Calculator

Split take-home pay into needs, wants and savings.

Amortization Schedule Calculator

Full month-by-month loan schedule with CSV export.

Break-Even Calculator

Units and revenue needed to cover all costs.

CAGR Calculator

Compound annual growth rate between two values.

Compound Interest Calculator

Growth of a lump sum plus monthly contributions.

Credit Card Payoff Calculator

Months to debt-free at a given monthly payment.

Currency Converter

Convert between 30+ currencies at ECB rates.

Debt Snowball vs Avalanche

Compare the two payoff strategies on your debts.

Discount Calculator

Sale price, savings and stacked discounts.

Dollar-Cost Averaging Calculator

Project a regular investing plan’s future value.

Extra Loan Payment Calculator

Interest and years saved by paying extra.

FIRE Calculator

Your FIRE number and years to independence.

Financial Life Simulator

Simulate your whole financial life 1,000 times — career, house, kids, retirement — and see the range of outcomes.

Home Affordability Calculator

Maximum home price your income supports.

Income Tax Bracket Calculator

Federal income tax by bracket (US) or flat rate (HU).

Inflation Calculator

What money is worth across the years.

Investment Growth Calculator

Portfolio projection with monthly contributions.

Loan Calculator

Monthly payment, total interest and full schedule.

Margin Calculator

Price, cost or margin — and the markup alongside.

Mortgage Calculator

Payment, interest, LTV and full amortization.

Net Worth Calculator

Assets minus liabilities, with a breakdown.

Options Strategy Lab

Build multi-leg option strategies and see the payoff curve, Greeks and probability of profit update live.

ROI Calculator

Return on investment, simple and annualized.

Rent vs Buy Calculator

Long-run cost of renting against buying.

Retirement Savings Calculator

Balance at retirement and the income it supports.

Salary to Hourly Calculator

Convert pay between hourly, monthly and annual.

Savings Goal Calculator

Monthly saving needed to hit a target by a date.

Take-Home Pay Calculator

Gross to net with configurable deductions.

Tip Calculator

Tip, total and per-person split with rounding.

VAT / Sales Tax Calculator

Add tax to a net price or back it out of a gross.

Interest & Savings

Compound Interest Calculator

Growth of a lump sum plus monthly contributions.

Savings Goal Calculator

Monthly saving needed to hit a target by a date.

APY / Effective Rate Calculator

Nominal ↔ effective annual rate at any compounding.

Deposit / CD Calculator

Maturity value of a fixed-term deposit.

Savings Withdrawal Calculator

How long a balance lasts under monthly withdrawals.

Simple Interest Calculator

Interest without compounding, vs the compound result.

Time Value of Money Solver

Solve any of PV, FV, payment, rate or term.

Continuous Compounding Calculator

P·e^rt growth vs monthly and annual compounding.

Rule of 72 Calculator

Doubling-time estimate vs the exact answer.

Savings Milestone Calculator

Time until your savings reach a chosen milestone.

Loans & Debt

Amortization Schedule Calculator

Full month-by-month loan schedule with CSV export.

Credit Card Payoff Calculator

Months to debt-free at a given monthly payment.

Debt Snowball vs Avalanche

Compare the two payoff strategies on your debts.

Extra Loan Payment Calculator

Interest and years saved by paying extra.

Loan Calculator

Monthly payment, total interest and full schedule.

APR from Fees Calculator

True yearly cost of a loan once fees are counted.

Debt Consolidation Calculator

Current debts vs one consolidating loan.

Debt-to-Income Ratio Calculator

Front and back-end DTI with the 28/36 verdict.

Loan Comparison Calculator

Two loan offers side by side, fees included.

Minimum Payment Trap Calculator

Minimum-only vs fixed credit card payments.

Refinance Break-Even Calculator

Months until refinancing savings cover the costs.

Balloon Loan Calculator

Monthly payment and the final balloon amount.

Remaining Loan Balance Calculator

Balance left after a number of payments.

Mortgage & Housing

Home Affordability Calculator

Maximum home price your income supports.

Mortgage Calculator

Payment, interest, LTV and full amortization.

Rent vs Buy Calculator

Long-run cost of renting against buying.

Down Payment & LTV Calculator

Down payment, loan amount and loan-to-value.

Mortgage Extra Payment Calculator

Years and interest cut by overpaying the mortgage.

Mortgage Refinance Calculator

Current loan vs a refinance offer, with break-even.

Rent Affordability Calculator

30% rule and the 3x-rent rule, both directions.

Solar Panel Savings Simulator

Size a rooftop solar system and battery, then watch 25 years of production, bills and payback unfold.

Biweekly Mortgage Calculator

Interest saved by paying half every two weeks.

Price per Square Meter Calculator

Compare property prices per unit of floor area.

Prorated Rent Calculator

Rent owed for a partial month at move-in.

Investing

CAGR Calculator

Compound annual growth rate between two values.

Dollar-Cost Averaging Calculator

Project a regular investing plan’s future value.

Investment Growth Calculator

Portfolio projection with monthly contributions.

Options Strategy Lab

Build multi-leg option strategies and see the payoff curve, Greeks and probability of profit update live.

ROI Calculator

Return on investment, simple and annualized.

Capital Gains Tax Calculator

Profit and tax on a sold investment.

Dividend Yield Calculator

Yield, annual income and yield on cost.

Efficient Frontier & Rebalancing Bonus

Optimal portfolios from returns, vols and correlations.

IRR Calculator

Internal rate of return of a cash-flow series.

Inflation-Adjusted Return Calculator

Real return via the Fisher equation.

Investment Fee Impact Calculator

What fund fees cost you over decades.

NPV Calculator

Net present value of a cash-flow series.

Position Size Calculator

Shares to buy for a fixed risk per trade.

Stock Average Price Calculator

Average cost per share across multiple buys.

Volatility Drag & Leveraged ETF Decay

Why 3× funds return less than 3× the index.

Crypto Profit Calculator

Profit, return and break-even with exchange fees.

Dividend Reinvestment (DRIP) Calculator

Position growth when dividends buy more shares.

Retirement & FIRE

FIRE Calculator

Your FIRE number and years to independence.

Financial Life Simulator

Simulate your whole financial life 1,000 times — career, house, kids, retirement — and see the range of outcomes.

Retirement Savings Calculator

Balance at retirement and the income it supports.

Annuity Value Calculator

Present or future value of a payment stream.

How Long Will My Money Last?

Portfolio depletion under inflating withdrawals.

Sequence of Returns Risk (Historical Cohorts)

Would your retirement have survived 1929? 1966?

Annuity Payout Calculator

Monthly payout a lump sum can sustain.

Coast FIRE Calculator

The savings that grow to retirement on their own.

Salary & Work

Income Tax Bracket Calculator

Federal income tax by bracket (US) or flat rate (HU).

Salary to Hourly Calculator

Convert pay between hourly, monthly and annual.

Take-Home Pay Calculator

Gross to net with configurable deductions.

Effective Marginal Rate & Benefit Cliffs

What you really keep from the next unit earned.

Freelance Hourly Rate Calculator

The rate that actually hits your income target.

Overtime Pay Calculator

Pay with 1.5× and 2× overtime hours.

Pay Raise Calculator

Raise in percent, amount, and after inflation.

Salary Inflation Check

Has your salary kept up with inflation?

Commute Cost Calculator

Fuel plus your time, per month and per year.

Lifetime Earnings Calculator

Career earnings ahead of you, with raises.

Meeting Cost Calculator

What that recurring meeting really costs.

Everyday Money

50/30/20 Budget Calculator

Split take-home pay into needs, wants and savings.

Currency Converter

Convert between 30+ currencies at ECB rates.

Discount Calculator

Sale price, savings and stacked discounts.

Inflation Calculator

What money is worth across the years.

Net Worth Calculator

Assets minus liabilities, with a breakdown.

Tip Calculator

Tip, total and per-person split with rounding.

VAT / Sales Tax Calculator

Add tax to a net price or back it out of a gross.

Car Lease vs Buy Calculator

Compare the net cost of leasing and buying a car.

Emergency Fund Calculator

How big a safety net you need and when you’ll reach it.

Group Expense Splitter

Settle a shared trip with minimal transfers.

Subscription Cost Calculator

True yearly cost, and the annual-plan saving.

Unit Price Comparison

Which package is actually cheaper per unit.

Cash Back Calculator

Is the cash-back card worth its annual fee?

Cost of a Habit Calculator

Daily habit → yearly cost → missed investment.

Price Per Use Calculator

Cost per wear or use over a purchase’s life.

Business & Freelance

Break-Even Calculator

Units and revenue needed to cover all costs.

Margin Calculator

Price, cost or margin — and the markup alongside.

Burn Rate & Runway Calculator

Monthly burn and months until the cash runs out.

Invoice VAT Breakdown

Net, VAT and gross lines for an invoice.

Markup Calculator

Price from cost and markup, with margin shown.

Contribution Margin Calculator

Per-unit contribution and ratio for pricing.

Payback Period Calculator

Years to recover an investment from cash flow.

Sales Commission Calculator

Commission, rep share and the seller’s net.

About these tools

These finance calculators cover the money math most people meet in everyday life: loan and mortgage payments, compound interest, savings goals, investment returns, currency conversion and inflation. Each tool shows the formula behind the result, so you can see exactly how a monthly payment or an effective interest rate is derived rather than trusting a black box.