Finance Calculators
Free finance calculators for loans, mortgages, compound interest, VAT, percentages and tips. Plan payments, compare interest and budget across currencies — built for expats and anyone managing money across borders.
Managing money across borders is part of everyday life for expats, remote workers and frequent travellers. The Finance Calculators hub brings together the small financial sums you reach for most often — loan and mortgage payments, the long-term growth of a savings plan, the tax hidden inside a price, a quick percentage, or a fair tip to split at the table. Every tool here runs entirely in your browser: nothing is sent to a server and nothing is stored, so you can run private numbers on any device without signing up.
Each calculator has its own page with a clear explanation of the formula, sensible default values, and answers to common questions. Pick a currency to match the figures you are working with, enter your values, and read the breakdown. The results are estimates intended for planning — actual loan terms, tax rules and investment returns vary by country, provider and product, so confirm the numbers with your bank, tax authority or adviser before making decisions.
Calculators
- Loan & Mortgage Payment CalculatorFree loan and mortgage payment calculator. Estimate your monthly payment, total paid and total interest on a fixed-rate loan or mortgage across currencies.
- Mortgage Affordability CalculatorEstimate how much house you can afford using the 28/36 rule. Enter your income, debts, down payment and rate to see your maximum home price.
- Down Payment & Loan-to-Value CalculatorCalculate your down payment and loan-to-value (LTV) ratio from a home price and down payment percentage. See how LTV affects your mortgage.
- Compound Interest CalculatorSee how an initial deposit and regular monthly contributions grow with compound interest. View your final balance, total contributed and interest earned.
- Simple Interest CalculatorCalculate simple interest on a principal at a fixed annual rate. Useful for short-term loans, deposits and basic interest estimates.
- Savings Goal CalculatorWork out the monthly contribution needed to reach a savings goal by a target date, given a starting amount and expected return.
- Retirement Nest Egg CalculatorEstimate the retirement nest egg you need from your annual expenses and a safe withdrawal rate (the 4% rule). See the savings target and annual withdrawal.
- Credit Card Payoff CalculatorSee how long it takes to pay off a credit card balance at a fixed monthly payment, and the total interest you will pay. Plan your debt-free date.
- Return on Investment (ROI) CalculatorCalculate total return on investment (ROI) and annualized return from an initial amount, final value and holding period.
- Net Worth CalculatorCalculate your net worth by subtracting total liabilities from total assets. A simple snapshot of your current financial position.
- Debt-to-Income (DTI) Ratio CalculatorCalculate your debt-to-income (DTI) ratio from your monthly debt payments and gross income. See how lenders view your borrowing capacity.
- Inflation & Purchasing Power CalculatorSee how inflation erodes purchasing power over time. Enter an amount, inflation rate and years to find its future cost and real value.
- Future Value CalculatorCalculate the future value of a lump sum investment at a given annual rate and time horizon. See compound growth of a single amount.
- Present Value CalculatorCalculate the present value of a future sum of money at a given discount rate and time. Find what a future amount is worth today.
- Annuity Payout CalculatorCalculate the regular monthly payout from a lump sum over a fixed number of years at a given return. Plan a steady drawdown in retirement.
- Effective Annual Rate (EAR) CalculatorConvert a nominal annual rate (APR) to an effective annual rate (EAR) based on compounding frequency. Compare loans and savings fairly.
- VAT & Sales Tax CalculatorAdd VAT or sales tax to a net amount, or extract it from a gross price. Works for VAT, GST and sales tax at any rate, in any currency.
- Percentage CalculatorThree percentage answers at once: what is X% of Y, X is what percent of Y, and the percentage change from X to Y.
- Tip CalculatorCalculate the tip and total for a bill, then split it evenly across any number of people. Works in any currency.
- Discount & Sale Price CalculatorCalculate the sale price of an item after a discount, and how much you save. Quick percentage-off maths for shopping in any currency.
- Markup & Margin CalculatorCalculate selling price from cost and markup, and see the gross margin. Understand the difference between markup and margin.
- Salary & Hourly Wage ConverterConvert an annual salary into hourly, weekly and monthly pay. Enter salary, hours per week and weeks worked per year.
- Break-Even Point CalculatorCalculate the break-even point in units and revenue from fixed costs, price per unit and variable cost per unit. Know when you start making a profit.
- Car Loan Payment CalculatorEstimate the monthly payment on a car loan from the vehicle price, down payment, trade-in, APR and term. See total interest paid.
How these calculators work
Loan & mortgage payments
The monthly payment uses the standard amortisation formula M = P·r(1+r)ⁿ / ((1+r)ⁿ−1) where P is the principal, r the monthly interest rate and n the number of monthly payments. When the rate is zero, it falls back to a simple division of the principal across the term.
Compound vs simple interest
The compound calculator compounds monthly and adds a regular contribution at the end of each month, reflecting how most savings accounts and retirement plans grow. The simple interest calculator applies a flat P × r × t calculation, suited to short-term deposits and basic estimates.
VAT & sales tax
Choose Add tax to net to apply a rate to a pre-tax amount, or Remove tax from gross to extract the tax already included in a shelf price. The same tool works for VAT, GST and local sales taxes — just enter the rate that applies where you are.
Percentages, ROI & more
The percentage tool answers three questions at once; the ROI calculator reports total and annualised return; and the affordability, debt-to-income and net-worth tools give quick snapshots of your financial position. All run instantly in your browser.
These tools provide general estimates only and do not constitute financial advice. Exchange rates, tax rules and product terms differ by country and change over time. Always verify with a qualified professional before acting on any calculation.