Finance Calculators

Estimate a car payment from price, tax, fees, trade-in and rate, then read the full amortization schedule.

Boat payment calculator for longer marine terms: monthly payment, total interest, and amortization by period.

Estimate a business loan payment and compare the nominal rate with an APR that includes upfront fees.

Compare a cash rebate against a low-rate finance offer on the same purchase by total cost.

Estimate a Canadian mortgage payment using semi-annual compounding and a monthly amortization schedule.

Build a full loan amortization schedule with equal payment or equal principal modes.

Project future value from a starting balance, rate, term and compounding frequency, with optional contributions.

Estimate certificate of deposit maturity value and APY from a fixed rate and term.

Solve for the compound annual growth rate between a beginning and ending value over a number of years.

Project a retirement balance from contributions, employer match and assumed growth over time.

Project future education cost with inflation and the monthly savings needed to close the gap.

Estimate annuity accumulation, payout or deferred payout from payment, rate and term.

Estimate annual percentage rate with or without fees to compare the true cost of borrowing.

Estimate bond price from face value, coupon rate, yield and years to maturity.

Compare monthly income and expenses, surplus or deficit, and a 50/30/20 split suggestion.

Estimate sales commission from sale amount and rate, with optional base pay.

Measure the bid-ask spread in dollars and as a percent of mid or ask price.

Track deposits and withdrawals with a running balance from an opening amount.

Add a tape of money amounts and see a running total for each entry.

Spread an asset cost over useful life with straight-line or accelerated methods and a year-by-year schedule.

Compare avalanche and snowball payoff plans across multiple debts with optional extra payments.

Compare paying several debts separately against one consolidation loan payment and total cost.

Compute front-end and back-end debt-to-income ratios from housing costs, debts and gross income.

Estimate payoff time and total interest when paying a card balance with a fixed monthly payment.

Find months to clear a card balance at a chosen payment, or the payment needed for a target payoff date.

Convert an amount between common currencies using a static mid-rate snapshot with a clear as-of date.

Measure percent change between two exchange rates and label appreciation or depreciation.

Convert a nominal annual rate and compounding frequency into an effective annual rate (EAR).

Convert a down payment percent into dollars, loan amount and a note about the common 20% PMI threshold.

Find sale price and amount saved from a list price and percent or dollar discount.

Calculate equated monthly instalment (EMI) for a loan and show interest, total payment and schedule.

Solve any time-value-of-money problem for future value, present value, payment, rate or periods, like a BA II Plus.

Project future value for a lump sum, regular annuity contributions, or uneven cash flows.

Estimate an affordable home price from income, DTI, other debt, rate, term and down payment percent.

Estimate an affordable car price from take-home pay, a payment budget percent, rate and term.

Reverse a loan calculation: enter the monthly payment you can manage, plus rate and term, to find principal.

Calculate interest earned or owed on a principal over time with simple or compound growth.

Solve for the interest rate implied by principal, a payment or future value, and the number of periods.

Compare the interest-only payment with the higher amortizing payment after the IO period ends.

Estimate draw-period interest-only payments and the repayment-period amortizing payment on a drawn balance.

Estimate a fixed-rate home equity loan payment with a standard amortization schedule.

Calculate gross pay from hourly rate and hours, with optional overtime at 1.5× and an annual equivalent.

Convert an hourly wage to annual salary or reverse a salary into an hourly rate, with weekly and monthly views.

Adjust amounts for inflation using historical CPI (data through 2025) or a custom annual rate.

Project investment growth from present value, return rate and years, with an inflation rate for real return.

Project Traditional, Roth or SEP IRA growth from contributions, rate and years. Confirm tax rules separately.

Split an item price into equal layaway payments, usually interest-free and paid before pickup.

Estimate a full monthly mortgage payment with principal, interest, tax, insurance, PMI and HOA, plus the amortization schedule.

Estimate a UK-style repayment mortgage payment from loan amount, rate and term, without PMI fields.

See how extra monthly or biweekly payments shorten a mortgage and cut total interest.

Estimate payments for amortized, deferred or bond-style loans and read the schedule or maturity amount.

Estimate a personal loan payment and see how an origination fee raises effective cost versus the stated rate.

Compute profit margin and markup from cost and selling price, and see how the two percentages differ.

Reduce a list price by a markdown percent to find the sale price and amount off.

Compute liquidity ratios (current, quick, cash) or operations ratios (inventory, receivables, asset turnover).

Convert an effective annual rate into the nominal (stated) rate and periodic rate for a compounding frequency.

Solve for a loan payment given a fixed term, or solve for the term given a fixed payment.

Discount a series of cash flows at a chosen rate and sum them to net present value.

Compare a monthly pension stream with a lump sum using present value at an assumed discount rate.

Estimate a lease payment from capitalized cost, residual value, term and money factor.

Count cash by denomination to a total, or make change from an amount owed and amount paid.

Discount a lump sum, annuity, growing annuity, or uneven cash flows to present value.

Find profit and margin from revenue and cost, or the revenue needed to hit a profit goal.

Set a selling price from cost and margin, or a sale price after a discount.

Measure return on investment and annualized ROI over a holding period.

Estimate years to double money at a given rate, with the exact doubling time beside it.

Project savings to retirement, then check whether withdrawals last through the retirement years.

Project Roth IRA growth from post-tax contributions with tax-free qualified withdrawals assumed.

Estimate a required minimum distribution from account balance and an IRS Uniform Lifetime factor.

Compare total cost of renting versus buying over a horizon and find a break-even year.

Estimate NOI, cap rate, cash flow and cash-on-cash return for an investment property.

Convert pay across hourly, daily, weekly, biweekly, monthly and annual periods.

Compare a raise against inflation to see the real-terms change in purchasing power.

Compare old and new loan payments, break-even month on closing costs, and lifetime savings.

Estimate annual and monthly property tax from assessed value and mill rate.

Compute net, gross and operating margins plus ROA and ROE from income and balance-sheet figures.

Build an equal-principal amortization schedule where each period repays the same slice of principal and interest falls every period.

Estimate the periodic payout an annuity lump sum can support over a fixed number of years at a stated rate.

Accumulate a stream of equal payments into a future balance, the same math behind a printed annuity factor table.

Confirm that a stated nominal rate equals the APR when a loan carries no upfront fees.

Find the smoothed annual growth rate between a starting and ending value, the compound average return over the period.

Estimate a car loan payment from price, tax, fees, trade-in and rate, then read the full amortization schedule.

Solve for the monthly car payment after tax, fees, trade-in and rebate are folded into the financed amount.

Track deposits and withdrawals against an opening balance to see the running checkbook balance after each entry.

Project a balance forward with a chosen compounding frequency, from annual down to daily, plus optional contributions.

Compute front-end and back-end debt ratios from housing costs, other debts and gross income.

Grow a lump sum through a deferral period, then see the payout it can sustain once payments begin.

Expense an asset by how much it is actually used this year against its total expected output.

Apply an accelerated declining-balance rate to the remaining book value each year instead of a flat straight-line amount.

Depreciate an asset at twice the straight-line rate against its declining book value, the fastest common accelerated method.

Apply one fixed declining rate to the book value every year, rounding the final year to the salvage value.

Spread a building cost over the IRS MACRS recovery period for residential or commercial real property.

Spread an asset cost evenly over its useful life for the simplest and most common depreciation method.

Weight depreciation expense toward the early years of an asset life using the sum-of-the-years-digits fraction.

Match depreciation expense to actual output by dividing the depreciable base across total expected units.

Apply a declining-balance rate that automatically switches to straight-line once that produces a bigger expense.

Convert a nominal annual interest rate and compounding frequency into the effective annual rate actually earned or paid.

Project the future balance built by a series of equal periodic payments earning a fixed rate.

Grow a single lump sum forward at a fixed rate and compounding frequency to a future value.

Carry a series of uneven cash flows forward to a single future value at a fixed rate.

Project what a single investment account deposit grows to at a fixed rate and compounding frequency.

Project investment growth from a starting amount, expected return and years, with inflation for a real-return view.

Compute the exact future value figure that a printed future value factor table only approximates by lookup.

Compute the exact future value of an annuity that a printed annuity factor table only approximates by lookup.

Solve for the implied interest rate from a payment or a future value, the calculation behind a printed rate table.

Project investment growth against inflation to see the nominal and real return side by side.

Convert an annual salary into an hourly rate using hours per week and weeks per year.

Estimate payments for amortized, deferred or bond-style loans, with a full schedule or maturity amount for each.

Enter a loan amount, rate and term to get the monthly payment and total interest with no extra fields.

Compute the exact payment and period-by-period balance that a printed loan payment table only approximates.

See how a loan is repaid period by period, splitting each payment into principal and interest until payoff.

Compute the markup percent on cost from a cost and selling price, alongside the equivalent profit margin.

Find the change due from an amount owed and the amount tendered by the customer.

Build a full mortgage amortization schedule showing principal, interest, tax, insurance and PMI for every payment.

Estimate a full monthly mortgage payment including principal, interest, tax, insurance, PMI and HOA.

See how a mortgage payment is repaid over time, splitting principal and interest across the full loan term.

Measure inventory turnover, receivables turnover and asset turnover from operating and balance-sheet figures.

Convert an effective annual rate into the nominal rate and the periodic rate applied each compounding period.

Discount a stream of equal future payments to a single present value using the annuity formula.

Discount a single future lump sum back to what it is worth today at a chosen rate and term.

Discount a series of uneven future cash flows to today, the same math behind net present value.

Find what a future investment payout is worth today when discounted at an expected rate of return.

Compute the exact present value factor and result that a printed present value table only approximates by lookup.

Compute the exact present value of an annuity that a printed annuity present-value table only approximates by lookup.

Find the revenue needed to hit a target profit once a known cost is covered.

Compute profit and profit margin as a percent of revenue from revenue and cost figures.

Measure return on investment and its annualized equivalent from a cost, a final value and a holding period.

Apply a discount percent to a list price to find the sale price and the amount saved.

Back out the pre-tax price and the tax amount from a tax-included total and a known sales tax rate.

Add sales tax to a pre-tax price to find the tax amount and the total due, or work backward from a total.