About this collection
Formula-based calculators for loans, interest, savings, investing and personal-finance scenarios. 34 free tools.
Finance
Formula-based calculators for loans, interest, savings, investing and personal-finance scenarios.
IBAN Format Check
Check IBAN format and MOD-97 checksum locally; it does not verify that the account exists.
Compound Interest
Calculate future value from principal, rate, term and compounding frequency.
Simple Interest
Calculate simple interest from principal, annual rate and time.
Loan Payment & Amortization
Calculate payment, total paid and amortization summary from amount, rate and term.
Future Value
Calculate what a present amount grows to over time.
Present Value
Discount a future amount back to present value.
CAGR Calculator
Calculate compound annual growth rate from starting and ending values.
ROI Calculator
Calculate return on investment from cost and return.
Break-Even Calculator
Find break-even units from fixed cost, price and variable cost.
Commission Calculator
Calculate commission and net amount from a value and commission rate.
Straight-Line Depreciation
Calculate annual straight-line depreciation from cost, salvage value and life.
Rule of 72
Estimate doubling time from an annual return using the Rule of 72.
Currency Converter
Convert currencies using current reference exchange-rate data.
Loan Rate from Payment Calculator
Estimate the monthly interest rate from loan amount, term and monthly payment.
Effective Interest Calculator
Calculate effective annual rate from nominal annual interest and compounding frequency.
Salary Raise Calculator
Apply a percentage raise to a salary and see the increase and new salary.
Inflation & Real Return Calculator
Compare nominal return with inflation to calculate real return and purchasing-power impact.
Savings Goal Calculator
Calculate the monthly saving needed from a target, current savings, time horizon and assumed return.
Recurring Savings Calculator
Project future savings from an initial amount, monthly contributions, time and assumed return.
Mortgage Calculator
Calculate monthly payment, total interest and total repayment from principal, annual rate and term.
Debt Payoff Calculator
Estimate payoff time and total interest from balance, annual rate and monthly payment.
APR Calculator
Estimate annual percentage rate from loan amount, rate, term and upfront fees.
APY Calculator
Calculate effective annual yield from nominal rate and compounding frequency.
NPV Calculator
Calculate net present value from initial investment, discount rate and cash flows.
IRR Calculator
Numerically calculate internal rate of return from periodic cash flows.
Discounted Payback Period
Estimate payback period using discounted cash flows.
Debt-to-Income Ratio (DTI)
Calculate debt-to-income ratio from total monthly debt payments and gross monthly income.
Down Payment Calculator
Calculate down payment, financed amount and financing ratio from purchase price and down-payment percentage.
Loan Refinance Comparison
Compare an existing loan with a refinance offer by payment, total interest and break-even period.
Auto Loan Calculator
Calculate financed amount and monthly auto-loan payment from vehicle price, down payment, rate and term.
Rent vs Buy Calculator
Compare renting and buying using user assumptions for cash outflow and an approximate break-even horizon.
Savings Rate Calculator
Calculate monthly savings rate from income and saved amount.
Emergency Fund Calculator
Calculate an emergency-fund target from essential monthly expenses and desired coverage months.
WACC Calculator
Calculate weighted average cost of capital from debt/equity weights, costs and tax rate.