Financial calculators
Each calculator shows its inputs, the formula it uses and the assumptions behind the result. More calculators are added as each one is built and tested.
- LoansEMI CalculatorMonthly payment, total interest and a full amortization schedule for a fixed-rate loan.
- InvestingCompound Interest CalculatorFuture value of a lump sum with annual, quarterly, monthly or daily compounding.
- InvestingSIP CalculatorProjected value of regular monthly investments at an assumed annual return.
- InvestingInvestment Fee Impact CalculatorHow an annual broker or fund fee reduces the value of your investments over time.
- InvestingSimple Interest CalculatorWork out the interest on a loan or deposit that pays interest on the original amount only, and the total at the end.
- InvestingPresent Value CalculatorFind what a future payment is worth today, given the return you could earn elsewhere.
- InvestingCAGR CalculatorFind the steady yearly growth rate that would take a starting value to an ending value.
- InvestingReturn on Investment (ROI) CalculatorMeasure the gain or loss on an investment, as a percentage of what you paid.
- BudgetingDebt-to-Income Ratio CalculatorSee what share of your gross income goes to debt repayments each month.
- BudgetingSavings Rate CalculatorFind the share of your take-home income that you keep after spending.
- InvestingFuture Value CalculatorFind what an amount today will grow to at a fixed yearly rate.
- BudgetingInflation CalculatorSee what an amount is worth in future money, and what a future amount buys today.
- InvestingAnnuity CalculatorFind the value today of receiving a fixed amount each year for a set number of years.
- BudgetingAnnuity Payout CalculatorFind how much you can withdraw each year from a lump sum so it lasts a set number of years.
- SavingsCertificate of Deposit (CD) CalculatorSee the value at maturity of a fixed-term deposit, and its true annual yield.
- InvestingPayback Period CalculatorFind how many years it takes for an investment to return its cost, from a steady yearly cash flow.
- BorrowingCredit Card Payoff CalculatorSee how long a card balance takes to clear at a fixed monthly payment, and how much interest that costs.
- BorrowingDebt Payoff CalculatorCompare paying off up to three debts by the highest rate first (avalanche) or the smallest balance first (snowball).
- BorrowingBalance Transfer CalculatorCheck whether moving a card balance to a lower-rate card saves money after the transfer fee.
- BorrowingCashback Break-Even CalculatorFind how much you need to spend for a card's cashback to cover its annual fee.
- BorrowingDebt Consolidation CalculatorCompare keeping your current debt with a single consolidation loan, including the loan fee.
- BudgetingEmergency Fund CalculatorWork out how much to hold in an emergency fund, based on your essential monthly spending.
- InvestingSystematic Withdrawal Plan (SWP) CalculatorSee how long a lump sum lasts if you withdraw a fixed amount each month while it keeps earning a return.
- InvestingDividend Yield CalculatorWork out the yearly dividend yield of a share and the income your holding would pay.
- InvestingStock Profit CalculatorFind the profit or loss on shares you bought and sold, after the fees on each trade.
- InvestingPortfolio Allocation CalculatorSee what share of your portfolio each holding makes up.
- InvestingPortfolio Rebalancing CalculatorFind the buy and sell amounts that bring a portfolio back to its target mix.
- InvestingRisk-to-Reward CalculatorCompare the amount you could lose with the amount you could gain on a trade, using a stop-loss and a target price.
- BudgetingCommission CalculatorWork out commission earned on sales, and the total pay once any base pay is added.
- BudgetingDiscount CalculatorFind the sale price and the amount saved from a percentage discount.
- BudgetingPercent Off CalculatorWork out how much a price has fallen, as a percentage of the original price.
- BusinessProfit Margin CalculatorFind the share of revenue your business keeps as profit after costs.
- BusinessBusiness Break-Even CalculatorFind how many units you must sell to cover fixed costs, and the revenue that takes.
- BusinessWorking Capital CalculatorSee whether your short-term assets cover your short-term bills, with the current ratio.
- BudgetingNet Worth CalculatorAdd up what you own and subtract what you owe, to see your net worth at a point in time.
- BudgetingBudget CalculatorSee what is left each month after needs, wants and saving, and how each takes up your income.
- BudgetingRent CalculatorCheck what share of your take-home income your rent takes, and the most rent a chosen share would allow.
- SavingsSavings CalculatorSee how regular monthly deposits grow in a savings account, with interest compounded monthly.
- InvestingInvestment CalculatorSee how a starting amount and yearly contributions grow at an assumed annual return.
- InvestingAverage Return CalculatorCompare the simple average of yearly returns with the steady rate that matches what you actually earned.
- SavingsInterest CalculatorWork out the interest on a balance for any period, with interest added once, quarterly, monthly or daily.
- BorrowingInterest Rate CalculatorFind the interest rate that a fixed monthly payment implies for a loan of a given size and term.
- InvestingBond CalculatorFind the price of a bond from its coupon, its yield to maturity and the years left to maturity.
- InvestingBrokerage and Trading Fees CalculatorEstimate what a broker's trading and account fees cost each year, for the number of trades you make.
- InvestingIRR CalculatorFind the annual rate of return that makes a series of yearly payments in and out come to zero in today's money.
- InvestingXIRR CalculatorFind the annualised return on an investment between two dates, from the amount invested and its value later.
- RetirementPension CalculatorEstimate the pension pot you can build by retirement and the yearly income it could pay.
- InvestingMutual Fund CalculatorSee how a fund's annual expense ratio reduces the growth of regular investments over time.
- PropertyRental Property CalculatorWork out the yields and the monthly cash a rental property leaves after its costs and mortgage.
- PropertyReal Estate CalculatorFind the return on a property bought and sold after a set period, including the rent it earned.
- RetirementFIRE CalculatorFind the portfolio that would cover your spending at a safe withdrawal rate, and how long it takes to reach.
- RetirementFinancial Independence CalculatorSee what share of your monthly spending your passive income already covers.
- BorrowingFinance CalculatorWork out the monthly payment and total cost of buying something with a deposit and a loan.