Free Finance Calculators
55 free online finance calculators for mortgages, loans, savings, retirement, investing, salaries, tax and debt payoff. Each tool shows its formula, the assumptions it uses, and — where relevant — a full amortization schedule or cash-flow breakdown. All calculations run in your browser.
About finance calculators
Financial calculators help you turn a set of inputs — principal, interest rate, term, contributions — into a projection you can compare, budget around or negotiate with. They cannot predict markets, tax treatment or rate changes, but they can make the mathematics behind a mortgage, savings plan or investment proposal completely transparent.
Our finance tools follow the same design everywhere: the formula is shown on the page, assumptions are stated, and where a schedule matters (amortization for loans, year-by-year growth for investments, monthly breakdowns for savings) the full table is displayed, not just a single number.
Financial and tax results are estimates. Tax law, lender policies and product terms vary by country and provider. Do not rely on these tools as the sole basis for a financial decision — consult a qualified professional.
Mortgages & Home Buying
Monthly payments, amortization, down payments and affordability.
Mortgage Calculator
Estimate monthly payments, total interest and a full amortization schedule.
Mortgage Amortization Calculator
Generate a year-by-year amortization schedule for any mortgage.
Mortgage Payoff Calculator
See how extra payments shorten your term and reduce total interest.
Down Payment Calculator
Estimate down payment amount, savings plan and resulting mortgage.
House Affordability Calculator
Estimate the home price you can afford based on income and debts.
Rent vs. Buy Calculator
Compare the financial outcome of renting versus buying a home.
Rental Property Calculator
Estimate rental cash flow, cap rate and ROI on an investment property.
Loans & Borrowing
Loan payments, terms, APR and side-by-side comparison tools.
Loan Calculator
Calculate monthly payments, total interest and payoff time for any loan.
Personal Loan Calculator
Estimate personal loan payments including fees and APR.
Auto Loan Calculator
Estimate car loan payments including trade-in and sales tax.
Auto Lease Calculator
Estimate monthly lease payments using residual and money factor.
Auto Loan Comparison Calculator
Compare two auto loan offers side by side.
Student Loan Calculator
Estimate student loan payments and total interest on repayment plans.
Business Loan Calculator
Estimate business loan payments including fees and amortization.
Monthly Payment Calculator
Compute the monthly payment on any amortized loan.
Loan Repayment Calculator
Plan loan repayments and compare different term lengths.
APR Calculator
Estimate the annual percentage rate including fees.
Interest Rate Calculator
Solve for the interest rate given principal, payment and term.
Interest & Growth
Simple interest, compound interest, present and future value.
Simple Interest Calculator
Compute simple interest from principal, rate and time.
Compound Interest Calculator
See how investments grow with compound interest over time.
Present Value Calculator
Discount future cash flows to their present value.
Future Value Calculator
Project the future value of a present sum with interest.
Net Present Value Calculator
Compute NPV of a series of cash flows at a discount rate.
Internal Rate of Return Calculator
Find the IRR of a series of cash flows.
Savings, Investing & Retirement
Plan for goals, project portfolio growth and plan retirement income.
Savings Calculator
Project savings growth with regular deposits and interest.
Savings Goal Calculator
Find how much to save each month to reach a savings goal.
Retirement Calculator
Estimate retirement savings needs and projected balances.
Retirement Withdrawal Calculator
Estimate safe withdrawal amounts from retirement savings.
Investment Calculator
Project investment growth with contributions and returns.
Return on Investment Calculator
Calculate ROI, annualised ROI and gain from any investment.
Average Return Calculator
Compute arithmetic and geometric average returns.
CAGR Calculator
Compute the compound annual growth rate between two values.
Inflation Calculator
See how inflation changes the purchasing power of money.
Currency Converter
Convert between currencies using manually-entered exchange rates.
Debt Payoff & Credit
Payoff strategies, DTI, consolidation and credit card planning.
Credit Card Payoff Calculator
See how long it takes to pay off credit card balances.
Debt Payoff Calculator
Compare snowball and avalanche strategies to pay off debt.
Debt Consolidation Calculator
Compare consolidation loan savings against current debts.
Debt-to-Income Ratio Calculator
Calculate your DTI ratio and check mortgage eligibility ranges.
Salary, Tax & Everyday Money
Pay conversions, take-home pay, tips, discounts and sales tax.
Salary Calculator
Convert between hourly, weekly, monthly and annual pay.
Hourly to Annual Salary Converter
Convert hourly rates into weekly, monthly and annual salaries.
Take-Home Pay Calculator
Estimate net pay after taxes and deductions.
Overtime Pay Calculator
Calculate overtime earnings including time-and-a-half.
Commission Calculator
Compute sales commission from a rate and sale amount.
Discount Calculator
Find the sale price, discount amount and savings.
Percent Off Calculator
Quickly compute the final price after a percentage discount.
Sales Tax Calculator
Add or remove sales tax from a price at any rate.
VAT Calculator
Add or extract VAT at any rate for a gross or net amount.
Tip Calculator
Calculate the tip and total per person for any bill.
Split Bill Calculator
Split a bill with tip evenly or unevenly between people.
Business & Operations
Margin, markup, break-even, payback and depreciation.
Profit Margin Calculator
Calculate gross and net profit margins from cost and revenue.
Markup Calculator
Find selling price, markup percentage and profit.
Break-Even Calculator
Compute break-even units and revenue from fixed and variable costs.
Payback Period Calculator
Estimate how long an investment takes to pay back.
Depreciation Calculator
Compute straight-line and reducing-balance depreciation.
Budget Calculator
Plan monthly income and expenses with a simple budget.
Finance Guides
Understand the formulas behind the tools before you use them.
How Compound Interest Works
Compounding frequency, the compound interest formula and why time matters more than rate.
Read guide FinanceHow to Calculate Loan Payments
The amortized payment formula step by step, plus how principal, rate and term interact.
Read guide FinanceHow to Use a Mortgage Amortization Schedule
Read an amortization table and see where extra payments save the most interest.
Read guideFinance Calculator FAQs
Yes. All finance calculators are free, run locally in your browser and require no account.
The core mortgage calculator estimates principal and interest. Optional fields let you add property tax, insurance and HOA amounts to approximate a full monthly payment.
Amortization results are displayed in a scrollable table and can be copied or printed using the result panel actions. Use the Copy button to paste the schedule into a spreadsheet, or Print to save a PDF.
No. Tax-related tools use generic formulas and default assumptions. They are estimates only and do not replace professional advice for your jurisdiction.
Explore Other Categories
Related tools from other sections of Daily Calculator.