Finance, Loans & Investment Tools

Financial calculators for loan payments, amortization schedules, interest, APY and profit. Loan payments use the standard fixed-payment (annuity) formula, the same math lenders use for amortization tables. Results are estimates and exclude taxes, insurance and fees.

Enter values and click Calculate to see Commission

Amortization Calculator

Amortization calculator that builds a payment-by-payment schedule from the standard annuity formula, with optional extra principal payments.

APY Calculator

Calculate Annual Percentage Yield (APY), effective annual rate, and interest earned from the nominal rate and compounding frequency. For savings accounts, CDs, and investment funds.

Attrition Rate Calculator

Calculate monthly or annualized employee attrition rate from average headcount and leaver data, with a voluntary and involuntary split.

Budget Planner Calculator

Track monthly income against expenses and instantly see your remaining balance.

CPM Calculator

Calculate CPM, total campaign cost, or total impressions from any two known values using the cost-per-mille formula.

Credit Card Payoff Calculator

Estimate how long it takes to pay off credit card debt and how much interest you will pay.

CTR Calculator

Free tool to calculate click through rate from clicks and impressions, with instant results for search, display, social and email campaigns.

Discount Calculator

Calculates sale prices, savings, and the original price from a discount.

Expense Ratio Calculator

Calculate the cumulative dollar impact of ETF and mutual fund expense ratios on portfolio growth over any investment horizon.

Gross to Net Calculator

Convert gross to net, or net to gross, from a tax rate or tax amount.

GST Calculator

Calculate GST-inclusive and GST-exclusive prices with automatic CGST, SGST, and IGST splits.

Loan Calculator

Fixed-rate loan calculator that uses the standard annuity formula to find the monthly payment, total interest and a full amortization schedule.

Margin Calculator

Calculates gross profit margin, revenue, cost, or profit from any two known values.

Mortgage Payment Calculator

Mortgage payment calculator for fixed-rate loans. Computes monthly principal and interest (P&I), total interest and an amortization schedule from the standard annuity formula.

Profit Calculator

Calculate net profit and profit margin percentage from revenue and total costs using standard accounting formulas.

Rent Affordability Calculator

Calculate your maximum affordable monthly rent based on your income.

Salary Calculator

Gross pay calculator for hourly-to-annual, annual-to-hourly and pay frequency conversions (monthly, bi-weekly, semi-monthly) on the standard 52-week year.

Sales Tax Calculator

Calculates sales tax and the final price, or works backward from a total to the pre-tax price.

Savings Calculator

Free tool to project savings growth with compound interest and regular contributions.

SWP Calculator

Calculate fund duration and remaining balance for systematic withdrawals.

Tip Calculator

Quickly calculate your gratuity with our tool.

VAT Calculator

Calculates net, VAT, and gross amounts for invoices, accounting, and shopping.

How to Use Them📊

  1. Choose the tool that matches your product, such as a loan payment, amortization, compound interest or APY calculator.

  2. Enter the principal, annual interest rate, term and compounding frequency. The periodic rate is the annual rate divided by the number of periods per year, so 6.5% a year paid monthly is 0.065 / 12 = 0.5417% per month.

  3. Read the amortization table to see how interest and principal change over time, and test extra payments to see the effect on total interest and payoff date.

Loan Strategy & the Time Value of Money

The time value of money means a dollar today is worth more than a dollar later, because it can earn interest. An amortization schedule shows how this plays out in a loan. Take $300,000 at 6.5% over 30 years: the payment is $1,896.20, and in month one $1,625.00 is interest and only $271.20 reduces the principal. Total interest over the term is $382,633. Because early payments are mostly interest, extra principal payments in the first years save the most.

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Full Amortization Breakdown: Every payment is split into its interest and principal parts across the whole schedule, not just the first month.
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Standard Formula: Loan payments use M = P × r(1+r)^n / ((1+r)^n - 1), the standard fixed-payment formula, so results are comparable with a lender's amortization table before taxes, insurance and fees.
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Private: Financial calculations run in your browser, so your principal, rate, income and term are not sent to our servers or stored.

Investment & Debt Modeling

  1. Extra payments: on the $300,000 loan above, an extra $200 a month shortens the term by about 6.9 years and saves roughly $103,000 in interest, because every extra dollar cuts the balance that future interest is charged on.

  2. APR vs APY: a loan APR is a stated annual rate, and in the US it includes certain fees, while APY reflects compounding within the year. A savings account at 5% compounded monthly has an APY of 5.116%. In the EU the APR is an effective rate that already includes costs, so check which figure a lender quotes before comparing offers.

  3. Total cost of credit: compare the total interest, not only the monthly payment. The $300,000 loan at 6.5% costs $382,633 in interest over 30 years and $236,813 over 20 years, with payments of $1,896.20 and $2,236.72.

Questions and Answers

How is my monthly mortgage payment calculated?

The monthly payment comes from the fixed-payment annuity formula: M = P × r(1+r)^n / ((1+r)^n - 1), where P is the loan amount, r is the monthly rate (annual rate divided by 12) and n is the number of monthly payments. For $300,000 at 6.5% over 30 years, r = 0.065 / 12 and n = 360, which gives $1,896.20 per month. The result covers principal and interest only. Property tax, insurance and any mortgage insurance are added by the lender and are not included here.

What is the difference between APR and APY?

APR is the annual cost of borrowing expressed as a yearly rate, and APY is the annual return on savings including compounding. In the US, lenders must disclose the APR under the Truth in Lending Act (Regulation Z), and banks must disclose the APY on deposit accounts under Truth in Savings (Regulation DD). A savings account paying 5% compounded monthly has an APY of (1 + 0.05/12)^12 - 1 = 5.116%. In the EU the APR is already an effective annual rate including costs. Compare loans by APR and savings by APY, and never mix the two.

Can extra payments shorten my loan term?

Yes. An extra payment applied to principal lowers the balance, so each later month charges interest on less. On a $300,000 loan at 6.5% over 30 years, an extra $200 a month ends the loan after 277 payments instead of 360 and cuts total interest from $382,633 to about $279,000. Ask your lender to apply extra money to principal, because some apply it to the next scheduled payment instead.

Do you support bi-weekly payment simulations?

Yes. Paying half the monthly amount every two weeks gives 26 half-payments a year, which equals 13 full monthly payments instead of 12. The extra payment goes to principal. On a 30-year, $300,000 loan this shortens the term by about 4 years at 4%, 5.4 years at 6%, and 7 years at 8%. The saving holds only if your lender applies each payment when it arrives. Some lenders hold the half-payments until a full monthly amount accumulates, and some third-party programs charge setup fees.

How is my data secured?

The financial calculators run in your browser, and the numbers you enter are not sent to our servers or stored. You can check this yourself: open your browser's developer tools (F12), go to the Network tab, run a calculation, and confirm that no request carrying your inputs leaves the page.