Finance calculators
Payments, interest and returns: the formulas are amortization and compound interest. Fees, insurance and tax appear only if the form includes them.
A loan calculator is not a credit offer. Lenders may round differently, add origination fees, required insurance, or an APR that is not the nominal rate you typed. Pages say so next to the result.
Most used
- Sales tax / VATOne amount and one rate. The tool either adds tax (net → gross) or extracts it (gross → net) and shows the tax slice.
- MortgageCompute the amortizing monthly P&I (12 payments a year) and, if you want, a flat annual insurance amount spread over 12 months. This is not a loan offer. APR is not calculated.
- Amortizing loanGet the constant installment from principal, annual nominal rate, and payment frequency. Origination fees, insurance, and APR stay outside the math.
- Compound interestGrow a single principal at a nominal annual rate with a chosen compounding frequency, including continuous compounding. The page also reports the effective annual rate. There are no recurring deposits on this form.
Subcategories
Interest and investing
Simple and compound interest, contributions, ROI and CAGR.
Price and margin
Discount, tip and profit margin, distinct from markup.
Full list
- Amortizing loanGet the constant installment from principal, annual nominal rate, and payment frequency. Origination fees, insurance, and APR stay outside the math.
- MortgageCompute the amortizing monthly P&I (12 payments a year) and, if you want, a flat annual insurance amount spread over 12 months. This is not a loan offer. APR is not calculated.
- Compound interestGrow a single principal at a nominal annual rate with a chosen compounding frequency, including continuous compounding. The page also reports the effective annual rate. There are no recurring deposits on this form.
- Simple interestInterest is proportional to principal, rate, and time. It does not itself earn interest. Use this only when a contract is actually simple, not as a stand-in for savings compounding.
- Savings with monthly depositsProjects a starting balance and constant monthly deposits, credited at month-end, with an annual nominal rate converted as monthly = annual / 12. It is a fixed-rate scenario, not a market forecast.
- ROIROI here is a simple ratio of gain (or loss) to cash put in. It does not know whether the outcome took a month or a decade. CAGR is the tool that uses years.
- CAGRCAGR is the fictional constant annual rate that would take a starting value to an ending value in n years. It smooths the trip: a crash and a rebound disappear into one number.
- DiscountApply one markdown: the original times (1 − p/100). Stacked percents off are not a sum: 20% then 20% leaves 64% of list, a 36% combined cut, not 40%.
- TipFrom a bill and a percent, get the tip, the grand total, and an even per-person share. In many US full-service restaurants people leave about 18–20% of the check; that is a custom, not a legal minimum, and not a rating of the meal.
- Profit marginMargin puts profit over selling price; markup puts profit over cost. With $60 cost and $100 price, margin is 40% and markup is 66.7%. You cannot swap the two percents.
- Sales tax / VATOne amount and one rate. The tool either adds tax (net → gross) or extracts it (gross → net) and shows the tax slice.
- Hourly to salaryThree numbers: hourly rate, weekly hours, paid weeks. The tool returns the week, the calendar month (year / 12) and the year.
- Bill splitTotal, headcount, optional tip. Everyone pays the same share of bill + tip.
- Inflation and purchasing powerAn amount, a constant annual rate, a period. Compound forward, or bring a later sum back to today’s purchasing power.
Questions
Is the rate I enter an APR?
No, unless you deliberately type a rate that already includes fees and insurance. By default the math uses a constant nominal periodic rate, without extra costs.
Do these tools give investment advice?
No. They apply a formula to the numbers you enter. They do not say whether a product fits your situation.