Free Finance Calculators
Plan borrowing, saving and spending with confidence. Work out loan and mortgage payments, see how investments grow, compare simple and compound interest, and handle everyday sums like discounts, sales tax and hourly pay.
8 free tools
Which finance calculator do I need?
Borrowing money for a car, education or personal expenses? The loan EMI calculator shows your monthly payment, total interest and a year-by-year amortization schedule.
Buying a home? The mortgage calculator adds your down payment, property tax and insurance to give a realistic monthly housing cost.
Growing savings over time? The compound interest calculator projects a balance with regular deposits and your choice of compounding frequency.
Working out interest on a short-term loan or deposit? The simple interest calculator handles periods in years, months or days.
Investing a fixed amount every month? The SIP calculator estimates the future value of recurring investments, with an optional yearly step-up.
Shopping a sale? The discount calculator finds the final price and your savings, even when discounts are stacked.
Checking a receipt or invoice? The sales tax and VAT calculator adds tax to a net price or removes it from a tax-inclusive total.
Comparing job offers? The salary to hourly calculator converts an annual salary into hourly, weekly and monthly pay, and back again.
How our finance calculators work
Each calculator uses the standard formula that banks and textbooks use. Loan and mortgage payments follow the reducing-balance method, where interest is charged only on the amount still owed. Compound interest and SIP projections apply the stated rate at each compounding period, and simple interest is calculated on the original principal only. Our guide on how loan EMI is calculated walks through the main formula with worked examples.
Results update as you type and are rounded to two decimal places for display, while calculations keep full precision behind the scenes. Everything runs in your browser, so the figures you enter are never sent to a server or stored.
Tips for better money decisions
Compare the total cost, not just the monthly payment. A longer loan term lowers each installment but can add a large amount of interest over the life of the loan, so try two or three tenures before committing.
Use realistic assumptions for investments. Past returns are not guaranteed, so model a cautious rate alongside an optimistic one and treat the results as a range. When a question is really about percentages, such as a fee, a pay rise or a rate change, our percentage calculator gives a quick answer.
Frequently asked questions
Are these finance calculators accurate?
They use the same standard formulas as lenders and financial textbooks, so the math is exact for the inputs you give. Real offers can differ slightly because of fees, rounding rules or how a lender counts days, so always confirm final figures with the provider.
What is the difference between simple and compound interest?
Simple interest is charged only on the original amount, while compound interest is also earned on interest already added. Over long periods compounding makes a much bigger difference, which you can see by entering the same figures into both calculators.
Do the calculators include taxes and fees?
The mortgage calculator lets you add property tax and insurance, and the discount calculator can add sales tax. Other calculators show the core figures only, so add any processing fees, insurance or account charges separately.
Is my financial information saved?
No. All calculations happen in your browser and nothing you enter is sent to us or stored. Refreshing the page clears your inputs.