Finance tools

Work out loan payments, compound interest, savings goals, tax and discounts before you commit to anything.

• Loan Calculator - Calculate the monthly payment, total interest and payoff schedule for a mortgage, car loan or personal loan. See how extra payments shorten the term.
• Compound Interest Calculator - See how a lump sum and regular contributions grow with compound interest. Adjust the rate, term and compounding frequency and watch the breakdown.
• VAT & Sales Tax Calculator - Add VAT or sales tax to a net price, or strip it out of a gross price to find the net amount and the tax. Includes common European VAT rates.
• Rent vs Buy Calculator - Compare renting against buying over any horizon, including the investment return on the deposit you would not have tied up. Finds the break-even year.
• Debt Payoff Calculator - Plan your way out of multiple debts. Compare the avalanche and snowball methods side by side and see what an extra payment each month actually saves.
• Retirement Calculator - Project your savings to retirement and through it. See what the pot becomes, what income it sustains, and whether it runs out before you do.
• Car Loan Calculator - Calculate a car loan payment including trade-in, deposit and sales tax. See the total interest and how much of the price you are financing.
• Investment Return Calculator - Calculate compound annual growth rate and total return from a start and end value, and see how long a given rate takes to double your money.
• Profit Margin Calculator - Calculate profit margin and markup from cost and price, set a price from a target margin, and find the units needed to break even.
• Mortgage Affordability Calculator - Work out the mortgage a lender would actually offer you, from your income, debts and deposit, using the 28/36 debt-to-income rules lenders apply.
• Salary Calculator - Convert pay between hourly, daily, weekly, monthly and annual. Adjust hours and working weeks to compare a contract rate against a salary properly.
• Savings Calculator - Find out what regular monthly saving grows into, or how much you need to put aside each month to hit a target by a given date.
• Currency Converter - Convert between more than 150 currencies at current exchange rates. Swap direction in one click and see the rate used for the conversion.
• Elasticity Calculator - Calculate price elasticity of demand, income elasticity and cross elasticity using the midpoint method, with a plain reading of what each result means.