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Finance

Loans, savings, interest, investing and tax

23 calculators

In this category

Mortgage Work out a mortgage payment, the total interest and the full amortisation schedule, with extra payments and taxes included. Loan Work out the payment, total interest and real annual rate of a personal or car loan, fees and extra payments included. Compound interest See what an investment grows to with compound interest, with or without regular contributions, at any compounding frequency. Retirement Estimate how much you need for retirement, what your current savings will grow to, how much to save monthly, or how long your savings will last. Savings Project what your savings will grow to, work out the deposit a goal needs, or find how long that goal will take. Deferred payment loan Work out what a lump sum owed today will cost at maturity, or what a future payoff is worth today, with no periodic payments in between. Auto loan Find the true monthly payment and total cost of a car loan, sales tax, fees, down payment and trade-in included. Payoff time Find out how long it will take to pay off a loan at a fixed monthly payment, and the total interest along the way. Interest rate finder Work out the implicit annual interest rate of a loan from its amount, term and monthly payment alone. APR ↔ APY Convert a nominal annual rate (APR) to its effective annual rate (APY), or the other way around, for any compounding frequency. Future value Find what a lump sum plus regular monthly deposits will grow to at a given interest rate. Present value Find what a future lump sum, a series of future payments, or both together are worth today at a given discount rate. TVM solver Solve for future value, present value, payment, time or rate — pick the unknown and enter the other four. Average return Convert a total investment return over several years into a single annualized (compound) growth rate. Salary converter Convert a salary between hourly, daily, weekly, monthly and annual amounts, adjusted for holidays and vacation. VAT calculator Add tax to a net price to find the gross price, or strip tax out of a gross price to find the net amount. Bond calculator Find a bond's price from its yield, or its yield from its market price, given the coupon rate, face value and maturity. Mutual fund return Project a mutual fund investment's final value after front-load and ongoing expense-ratio fees are taken into account. Auto lease Find the monthly payment for a car lease from the negotiated price, residual value and money factor, split into depreciation and finance charges. Depreciation Depreciate an asset using the straight-line, declining-balance or sum-of-years-digits method, with a year-by-year schedule. Budget calculator Break down your monthly income against spending by category, with a net balance and a debt-to-income ratio. ROI calculator Calculate the return on investment from cost and gain, plus the annualized rate over the holding period. Rent vs. buy Compare the net cost of renting versus buying over time, with the break-even point where buying becomes cheaper.

These calculators show what borrowing really costs, how an investment grows and what an extra payment does to a mortgage. Each one shows the result, the full schedule and the assumptions behind it.

Compounding conventions differ between countries and products, so every finance calculator lets you set the compounding frequency instead of hiding it. That single setting explains most of the gap between an online estimate and a lender’s quote.

The results are estimates for information only. They are not an offer of credit, tax advice or a financial plan.

Frequently asked questions

Why is my bank’s number slightly different?

Three things explain almost every difference: the compounding convention, the exact date of the first payment, and fees rolled into the financed amount. Every calculator lists the assumptions it used so you can line them up with your contract.

Which compounding frequency should I choose?

Use what your contract states. Most personal and car loans compound monthly. Canadian mortgages compound semi-annually by law. Many European mortgages quote a nominal annual rate with monthly compounding. The calculators default to the most common convention and let you change it.