120 tools

Finance, loans and investing

120 free finance, loans and investing tools, all running in your browser with no sign-up.

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Loan payment calculatorWork out the monthly payment on any loan from the amount, annual interest rate and term, plus the total paid and total interest.
Loan amortization scheduleBuild a month-by-month or year-by-year loan schedule showing the interest part, principal part and remaining balance of every payment.
Auto loan calculatorCalculate a car loan payment after the down payment and trade-in, using a declining or flat rate, with total interest and full cost.
Personal loan calculatorCalculate a personal loan payment with the admin fee, the net amount you receive, total cost and the effective APR after fees.
APR calculatorFind the APR of a loan with fees, whether fees are paid upfront or added to the loan, plus the effective annual rate.
Interest-only loan calculatorCalculate the interest-only payment, the higher payment that follows, and how much extra interest you pay versus a fully amortizing loan.
Balloon loan calculatorCalculate the monthly payment on a loan or car finance plan with a large final balloon payment, plus the balloon, total interest and total paid.
Loan early payoff calculatorFind the monthly payment needed to clear your loan by a date you choose, how much above your current payment that is, and the interest saved.
Extra payment calculatorSee how much interest you save and how many months you cut by adding a fixed amount to your monthly payment, with the new payoff time.
Loan comparison calculatorCompare two loan offers by rate, term and fees to see each monthly payment, each total cost, which one is cheaper and by how much.
Loan affordability calculatorWork out the largest loan you can take from your monthly salary, the deduction limit, your current debts, the interest rate and the term.
Loan payment frequency calculatorCalculate a loan payment made weekly, every two weeks, monthly, quarterly or yearly, and compare total interest for each frequency in one table.
Loan interest paid calculatorFind the interest and principal paid between any two payments of your loan, such as year one or year three, plus total interest and the balance after.
Rule of 78 calculatorCalculate the interest rebate and payoff amount when you settle a precomputed-interest loan early under the Rule of 78 (sum of digits).
Loan term calculatorWork out how many months it takes to repay a loan at the monthly payment you choose, with the final payment and total interest.
Loan interest rate calculatorFind the real annual interest rate of a loan from its amount, monthly payment and number of payments, plus the effective annual rate.
Remaining loan balance calculatorCalculate the balance left on your loan after a number of payments, how much principal and interest you have paid so far, and payments left.
Loan refinance calculatorCompare your current loan with a new rate and term to see the monthly saving, net saving after costs and the months to break even on refinancing.
Loan amount calculatorCalculate the loan amount a set monthly payment can repay at a given interest rate and term, with the total paid and total interest.
Loan grace period calculatorCalculate the monthly payment on a loan that starts with a grace period, whether grace interest is added to the balance or paid monthly.
Mortgage calculatorWork out the monthly mortgage payment from home price, down payment, annual rate and term, with total interest and total amount paid.
Mortgage amortization calculatorSee a year by year mortgage amortization schedule: how much of your payments goes to interest and principal, and the balance left each year.
Mortgage refinance calculatorCompare your current mortgage payment with a refinance offer, and see the monthly saving, break-even months and lifetime difference after costs.
Rent vs buy calculatorCompare the net cost of buying a home with a mortgage against renting over the years you choose, with rent growth, price growth and investment return.
Down payment calculatorCalculate the down payment, the cash needed including buying costs, how much you still need to save and how many months it will take.
Home affordability calculatorFind the highest home price you can afford from monthly income, debts, allowed debt ratio, rate, term and the down payment cash you have.
Loan to value (LTV) calculatorCalculate loan to value (LTV) and combined LTV with other loans, your home equity, and the largest first loan allowed at a target LTV.
Closing cost calculatorEstimate home closing costs from transfer fee, agent commission, lender fee and fixed charges, plus the total cash needed at completion with your down payment.
Mortgage points calculatorWork out what mortgage discount points cost, the monthly saving from the lower rate, the break-even month and the net saving over the full term.
House flipping calculatorCalculate the profit on buying, renovating and selling a property after all costs, the return on cost, and the maximum offer under the 70% rule.
Cap rate calculatorCalculate the cap rate of a rental property from its value, annual rent, vacancy and operating expenses, along with net operating income (NOI).
Gross rental yield calculatorCalculate the gross rental yield of a property from its price and monthly or annual rent, and how many years of rent it takes to repay the price.
Net rental yield calculatorCalculate net rental yield after vacancy and annual expenses, with buying costs added to the cost, and compare it with the gross yield.
Rental property ROI calculatorCalculate the total return on a rental bought with cash: net rent over the holding period plus the sale gain, and the matching compound annual return.
Cash on cash return calculatorCalculate the yearly cash on cash return on the money you put into a financed property, from rent, expenses, annual loan payments and cash invested.
Rental property cash flow calculatorCalculate the monthly and yearly cash flow of a financed rental after vacancy, management fees, fixed costs and the monthly loan payment.
DSCR calculator for rental propertyCalculate the debt service coverage ratio (DSCR) of a rental from net operating income and loan payments, and the largest loan at a target DSCR.
Gross rent multiplier (GRM) calculatorCalculate the gross rent multiplier (GRM) of a property from its price and annual rent, and estimate its value using a market GRM for similar homes.
Price per square meter calculatorCalculate price per square meter and per square foot for a property or plot from the total price and area in meters or feet, to compare offers fairly.
Property appreciation calculatorEstimate what a property will be worth after a number of years at a compound yearly growth rate you choose, with total gain and a year by year table.
Compound interest calculatorWork out the final balance and compound interest on a one-time deposit, with a year-by-year table and the compounding frequency you choose.
Simple interest calculatorCalculate simple interest and the total amount from principal, annual rate and a term in years or months, using the standard I = P × r × t formula.
Savings goal calculatorFind how much to save each month to reach a target amount in a set number of years, counting your current savings and monthly compound interest.
Fixed deposit calculatorWork out the maturity amount and interest on a term deposit by months, with simple interest paid at maturity or monthly, quarterly or annual compounding.
Rule of 72 calculatorEstimate how many years it takes to double your money with the rule of 72, or the rate needed to double in a set time, and compare with the exact log value.
Inflation impact calculatorSee what something will cost after years of inflation at a rate you choose, what your money will buy then, and how much value it loses.
Present value calculatorCalculate the present value of a future sum by discounting it at your chosen rate and compounding frequency, with the discount and the discount factor.
Future value calculatorCalculate the future value of a starting sum plus fixed regular payments, with payment frequency and start or end timing like a financial calculator.
Annuity payment calculatorCalculate the fixed payout a lump sum can provide for a number of years until it runs out, while the balance keeps earning interest.
APR to APY calculatorConvert a nominal annual rate (APR) to the annual percentage yield (APY) for any compounding frequency, including continuous, to compare bank offers fairly.
APY to APR calculatorConvert an annual percentage yield (APY) back to the equivalent nominal APR for any compounding frequency, plus the rate per period your bank applies.
Continuous compounding calculatorCalculate the final amount under continuous compounding with A = Pe^rt, plus the interest earned and the equivalent effective annual rate.
Sinking fund calculatorWork out the regular deposit needed to build a target sum by a set date, such as replacing equipment or meeting a debt, with a year-end balance table.
Present value of annuity calculatorCalculate the present value of a series of equal future payments, monthly, quarterly or yearly, at the start or end of each period, at your discount rate.
Monthly savings calculatorSee how your savings grow when you put away a fixed amount each month on top of a starting sum, with monthly compounding and a yearly table.
Required interest rate calculatorFind the annual interest rate needed for a present sum to grow to a target in a set time, as a nominal rate for your compounding and an effective yield.
Time to savings goal calculatorFind how many months it takes to reach a target with a fixed monthly deposit, your current savings and an annual return you choose, plus the balance then.
Real interest rate calculatorCalculate the real interest rate after inflation with the exact Fisher equation and compare it with the simple approximation, to see if savings truly grow.
Daily interest calculatorCalculate interest on an amount for a set number of days at an annual rate, on a 365 or 360-day basis as banks do, with interest per day and the total.
Perpetuity calculatorCalculate the present value of a yearly income that lasts forever, flat or growing each year, such as an endowment or a dividend stock, at your discount rate.
ROI calculatorWork out return on investment (ROI) as a percentage and the net profit or loss, plus the annualized return when you enter the holding period.
CAGR calculatorFind the compound annual growth rate (CAGR) between a starting and an ending value over a number of years, with total growth and the value multiple.
Dividend yield calculatorCalculate a stock's dividend yield from its price, the dividend per payment and how often it pays, plus the yearly income from your shares.
Stock profit and loss calculatorWork out the net profit or loss on a stock trade after buy and sell commissions, with the percentage return and the break-even selling price.
Stock average cost calculatorFind your average cost per share after several purchases at different prices, with total shares, total paid and a table of each buy.
Average down calculatorFind how many shares to buy at the current market price to bring your average cost to a target, with the purchase cost and the new average.
Portfolio weighted return calculatorCalculate your portfolio's weighted return from the amount and return of each holding, with each asset's weight and the total gain.
P/E ratio and earnings yield calculatorCalculate a stock's price to earnings (P/E) ratio from its price and earnings per share (EPS), plus the earnings yield, the inverse as a percent.
PEG ratio calculatorCalculate the PEG ratio, which divides the P/E ratio by the expected yearly earnings growth rate, to compare valuation with growth.
Bond price calculatorCalculate a bond's fair price from its face value, coupon rate, yield to maturity, years to maturity and how often coupons are paid.
Bond yield to maturity (YTM) calculatorFind a bond's yield to maturity (YTM) from its price, face value, coupon and term, along with the current yield and the effective annual yield.
Gold value calculator by grams and karatWork out what your gold is worth from its weight in grams, its karat and the 24K price per gram you enter, with pure gold content and profit versus cost.
Gold price per gram from ounce priceConvert the gold price per troy ounce to the price per gram, tola and kilogram for each karat, with an optional exchange rate to your currency.
NPV calculatorCalculate the net present value (NPV) of a project from the initial outlay, yearly cash flows and a discount rate, with a discounting table per year.
IRR calculatorCalculate the internal rate of return (IRR) of an investment or project from the initial outlay and yearly cash flows, the rate that makes NPV zero.
Payback period calculatorCalculate the simple and discounted payback period of a project from the initial investment, yearly cash flows and a discount rate.
Dividend discount model calculatorEstimate a stock's fair value with the Gordon growth dividend discount model from its yearly dividend, growth rate and your required return.
Loss recovery calculatorFind the gain you need to recover an investment loss and get back to break even, with the amount needed and the years it takes at a yearly return you choose.
Position size calculatorWork out how many shares or units to trade from your account size, risk percentage, entry price and stop-loss, with the position value.
Risk reward ratio calculatorCalculate a trade's reward to risk ratio from the entry price, stop-loss and target, with the win rate you need to break even.
Retirement savings calculatorProject your savings balance at retirement age from your current balance, monthly deposit and expected annual return, with a year by year table.
50/30/20 budget calculatorSplit your monthly take-home pay with the 50/30/20 rule: half for needs, 30% for wants and 20% for savings and extra debt payments.
Net worth calculatorWork out your net worth by subtracting total debts from your cash, investments, property and other assets, with your debt to asset ratio.
Emergency fund calculatorFind your emergency fund target from essential monthly costs and months of cover, plus the shortfall and how long it takes to fill it.
FIRE number calculatorCalculate your FIRE number, the portfolio that could cover your spending from withdrawals alone, based on your costs and a safe withdrawal rate.
Safe withdrawal rate calculatorSee how much you could withdraw each year and month from a retirement portfolio at a safe rate like 4%, raised each year by inflation.
Pension pot projection calculatorEstimate a contribution based pension pot from your salary, contribution rate, yearly pay rises and investment return up to retirement.
Monthly budget calculatorEnter your monthly income and spending by category to see your surplus or deficit and each category's share of income in a clear table.
Cost of a habit calculatorFind what a daily or weekly habit such as coffee or smoking costs over one year and many years, and what that money could grow to if invested.
Savings rate calculatorWork out your savings rate from monthly take-home pay and what you save or invest, along with monthly spending and yearly savings.
Years to financial independence calculatorEstimate how many years it takes to reach your FIRE number from income, spending, current savings, expected return and withdrawal rate.
How long will my savings last calculatorFind how many years and months your savings last if you withdraw a fixed amount each month while the remaining balance earns a return.
Coast FIRE calculatorCalculate how much you need invested today so it grows on its own to your FIRE number by retirement age, with no further deposits.
Monthly savings needed for retirementFind how much to save each month to reach your retirement target, based on current savings, the time left and the expected return.
70/20/10 budget calculatorSplit your monthly income with the 70/20/10 rule: 70% for living costs, 20% for saving and investing, 10% for debt payoff or giving.
Employer match calculatorWork out what your employer adds to your savings or retirement plan from the match rate, the cap and your own rate, and what you miss below the cap.
Retirement income needed calculatorEstimate the yearly and monthly income you will need in retirement from your current pay, a replacement ratio and inflation, and the gap a pension leaves.
Split expenses by income calculatorSplit shared costs between a couple or housemates in proportion to each person's income, so everyone pays the same share of what they earn.
Daily spending limit calculatorFind how much you can spend each day until payday after setting aside the bills still due and the amount you want to save from your balance.
Life insurance needs calculatorEstimate the life cover or takaful amount your family would need with the DIME method: debts, income, mortgage and education, minus what you already have.
Credit card payoff calculatorFind how many months it takes to clear a credit card balance with a fixed monthly payment, and the total interest you will pay.
Credit card payment calculatorWork out the fixed monthly payment needed to clear a credit card balance in the number of months you choose.
Credit card minimum payment calculatorSee how long a credit card takes to clear if you only pay the minimum each month, and how much interest that adds.
Credit card interest calculatorCalculate the interest charged on a credit card for one billing cycle from the average daily balance, APR and cycle days.
Balance transfer calculatorCompare keeping a card balance where it is with moving it to a promo-rate card with a transfer fee, and see the real saving.
Credit card cash advance cost calculatorWork out what a credit card cash advance costs: the withdrawal fee, daily interest until you repay it, and the annualised cost.
Credit utilization calculatorCalculate your credit utilization per card and overall, and how much to pay down to reach the ratio you are aiming for.
Debt snowball calculatorPlan your payoff with the debt snowball: clear the smallest debt first, roll its payment into the next, and see your debt-free date.
Debt avalanche calculatorPlan your payoff with the debt avalanche: send the extra to the highest-rate debt first to cut the total interest you pay.
Debt snowball vs avalanche calculatorCompare the snowball and avalanche methods on your own debts: time to debt free, total interest and payoff order for each.
Debt consolidation calculatorCompare paying your current debts as they are with rolling them into one loan at a new rate and term, and see the payment and saving.
Debt-to-income ratio calculatorCalculate the share of your monthly income that goes to debt payments, and how much room is left under a lender limit you enter.
Murabaha finance calculatorWork out murabaha profit, the monthly installment and the total sale price from the cost, down payment, flat profit rate and term.
Murabaha profit rate calculatorFind the flat annual profit rate and equivalent APR of a murabaha or installment offer from the amount financed, installment and term.
Flat rate to APR calculatorConvert a flat profit or interest rate into the reducing-balance APR and the effective annual rate for a given term.
Ijara lease calculatorCalculate the monthly rental on an ijara lease-to-own from the asset price, advance payment, final purchase value, rental rate and term.
Diminishing musharakah calculatorCalculate the monthly payment in diminishing musharakah, the rent you pay, and how your share of the property grows each year.
Buy now pay later installment calculatorSplit a purchase into buy now pay later installments and see each payment amount and due date, including any fee added to the order.
Cash vs installment price calculatorCompare paying cash with buying on installments: how much extra you pay, the share of the price, and the equivalent APR.
Late payment fee calculatorWork out what paying a bill or installment late costs: the flat late fee, daily interest on the overdue amount and the annualised cost.