Financial calculators
Mortgage, loan, savings and everyday maths with transparent formulas.
Every calculator shows the formula and assumptions it uses. Results are estimates based on the numbers you enter, not quotes, advice or lender decisions.
US mortgage calculators
Mortgage payment, affordability, extra payment, refinance and rent vs buy calculators using US mortgage conventions (PITI, PMI, HOA).
- Mortgage Payment Calculator
- Mortgage Affordability Calculator
- Extra Mortgage Payment Calculator
- Mortgage Refinance Calculator
- Rent vs Buy Calculator
Australian home loan calculators
Home loan repayments, offset accounts, extra repayments, stamp duty and borrowing capacity using Australian home loan conventions.
- Home Loan Repayment Calculator (Australia)
- Mortgage Offset Calculator
- Home Loan Extra Repayment Calculator
- Stamp Duty Calculator (Australia)
- Borrowing Capacity Calculator (Australia)
Loans, savings and everyday maths
Calculators that work in any currency.
Personal Loan Calculator
Monthly payment, total interest, APR with origination fees and a full amortization schedule for any personal loan.
Car Loan Calculator
Car payment with down payment, trade-in, your sales tax rate and dealer fees, plus total interest and schedule.
Loan Comparison Calculator
Compare 2 to 4 loans side by side: payment, total interest, fees, total cost and an APR estimate that includes fees.
Debt Consolidation Calculator
Compare paying your current debts as you do now with a consolidation loan: payment, payoff time and total interest.
Compound Interest Calculator
Grow a starting amount and regular contributions with daily, monthly, quarterly or annual compounding, with inflation adjustment.
Savings Goal Calculator
Find the monthly amount needed to reach a savings target by a deadline, or how long your current deposits will take.
Credit Card Payoff Calculator
See how long minimum payments take versus a fixed payment or target payoff date, and how much interest you save.
Profit Margin Calculator
Gross, operating and net profit margins from revenue and costs, with a clear breakdown and the formulas.
Markup Calculator
Convert between cost, selling price, markup and margin in any direction, with a markup to margin table.
Break-Even Calculator
Units and revenue needed to cover fixed costs, with an optional target profit and a revenue vs cost chart.
Business Loan Calculator
Monthly, fortnightly, weekly or daily business loan repayments with fees, total cost and an APR estimate.
Freelancer Hourly Rate Calculator
Work out the hourly and day rate you need from your target income, expenses, tax rate and real billable hours.
Sales Commission Calculator
Flat, tiered (marginal) and base plus commission pay plans, with a tier-by-tier breakdown and effective rate.
Percentage Calculator
Percent of a number, what percent one number is of another, percentage change, increase, decrease and reverse percentages.
Age Calculator
Exact age in years, months and days, total days and weeks, and a countdown to the next birthday.
Date Difference Calculator
Days, weeks, months and years between two dates, business days excluding weekends and holidays, and date adding.
About these financial calculators
Each calculator shows the formula it uses and lists its assumptions, so you can check the working rather than trust a black box.
Mortgage calculators are split by country because US and Australian home loans are quoted, repaid and taxed differently. General loan, savings and everyday calculators work in any currency.
Questions
Do the calculators use current interest rates?
No. We never fill in market rates, taxes or fees. Enter the figures from your own quote or statement so the result reflects your situation.
How accurate are the results?
The formulas are tested against published reference values. Results are still estimates: lenders may round differently, charge fees or calculate interest daily.
Is my information saved?
No. Calculations run in your browser. The Share button puts your inputs in the link after the # symbol, which is not sent to our server.