Finance Calculators
Plan loans, savings, and everyday money decisions with clear, private math.
From a mortgage payment to a tip split, these free finance calculators answer the money questions that come up in real life. They cover borrowing (mortgage, loan, auto loan, credit-card payoff), growing money (compound interest, savings goals), and everyday spending (discounts, sales tax, tip, VAT, margin) — each with the formula shown so the result is never a black box.
All of them run entirely in your browser, so the figures you enter stay on your device. They're built for general and educational use; for major financial decisions, verify the numbers and consider a qualified professional.
14 finance calculators
Discount Calculator
See how much you save and what you pay after a percent-off discount.
Tip Calculator
Calculate the tip and split the total between any number of people.
Margin Calculator
Find profit, profit margin, and markup from cost and revenue.
VAT Calculator
Add or remove VAT (or sales tax) to find the net, tax, and gross amounts.
Sales Tax Calculator
Add sales tax to a price, or remove it from a total.
Compound Interest Calculator
See how savings grow with compound interest and regular contributions.
Commission Calculator
Calculate sales commission and total pay from a sale and rate.
Mortgage Calculator
Estimate your full monthly mortgage payment — PITI, PMI, and HOA.
Loan Calculator
Monthly payment, total interest, and payoff schedule for any loan.
Home Affordability Calculator
How much house can you afford? Based on the 28/36 DTI rule.
Amortization Schedule
A complete payment-by-payment breakdown for any loan.
Auto Loan Calculator
Estimate your car payment with trade-in and sales tax.
Credit Card Payoff Calculator
See how fast you'll be debt-free — and the cost of paying only the minimum.
Savings Goal Calculator
Find the monthly amount to save to hit your target on time.
Guides
Simple vs Compound Interest: What's the Difference?
Simple vs compound interest explained with formulas and a side-by-side example. See why compound interest grows so much faster — and where each one applies.
2 min read
Compound Interest Explained: Formula, Examples, and the Rule of 72
How compound interest works: simple vs compound, the formula, a $10,000 example, the Rule of 72, and why starting early wins.
5 min read
How Extra Mortgage Payments Save You Thousands
See how extra mortgage payments cut total interest and shorten your loan, with a worked $400k example, the math behind it, three strategies, and when not to pay extra.
5 min read
How to Calculate a Discount (and Do Stacked Discounts Save More?)
How to work out a percent-off discount and the final price, a quick savings table, and the truth about stacked discounts — why 20% then 10% off isn't 30% off.
1 min read
How to Calculate VAT: Adding and Removing Tax
How to add VAT to a net price and remove VAT from a gross price — with the formulas, worked examples, and the common mistake of subtracting the percentage instead of dividing.
2 min read
Margin vs Markup: The Difference That Costs You Money
Margin and markup both measure profit but against different bases, and confusing them leads to underpricing. Here's the difference, a conversion table, and worked examples.
2 min read
Frequently asked questions
Which calculator should I use for a home loan?
Use the Mortgage Calculator for the monthly payment, the Amortization Schedule to see how each payment splits between principal and interest, and the Home Affordability Calculator to work out a sensible price range from your income.
How does compound interest grow my savings?
Compound interest earns interest on your interest, so balances grow faster over time. The Compound Interest Calculator shows the year-by-year total for any rate, frequency, and monthly contribution — see the guide on compound vs simple interest for the full explanation.
Are these finance calculators free and private?
Yes. Every tool is free with no sign-up, and all calculations run locally in your browser — the amounts you enter are never uploaded or stored.
These calculators provide estimates for general and educational use and are not financial, tax, or legal advice. Verify important figures independently or consult a qualified professional before making financial decisions.
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