Finance Calculators
Understand your money with exact, private calculators, grow savings with compound interest, compare the debt snowball and avalanche, plan a savings goal, or work out a loan payoff, ROI or break-even. Everything runs in your browser with the figures you enter; nothing is uploaded, and there are no live-rate feeds.
- Mortgage Refinance Calculator Enter your balance, current rate and years left, then the new rate, term and closing costs. You get the new payment, the monthly saving, and how many months it takes to recoup the closing costs.
- Compound Interest Calculator Enter a starting amount, return rate, time and monthly contribution to see the future value, with the interest earned and a growth chart.
- Debt Payoff Calculator (Snowball vs Avalanche) List your debts and an extra monthly amount, and compare the snowball
- Savings Goal Calculator Enter your goal, what you’ve saved, an expected return and a time frame, and get the monthly amount you need to save to reach it.
- Loan Payoff Calculator Enter the loan amount, rate and term to get the monthly payment and total interest, then add an extra monthly amount to see how much time and interest you save.
- Credit Card Payoff Calculator Enter your card balance and APR, then either a monthly payment
- CAGR Calculator Enter a starting value, ending value and number of years to get the CAGR, the smoothed annual growth rate, along with the total return.
- Rule of 72 Calculator Enter an annual rate and the Rule of 72 estimates the doubling time, shown alongside the Rule of 70 and the exact figure.
- ROI Calculator Enter what you invested and what you got back to get the ROI percentage, the net gain and
- Break-Even Calculator Enter your fixed costs, price per unit and variable cost per unit to find the break-even point: the units and revenue needed to cover all costs.
- APR to APY Calculator Convert a nominal APR into the effective annual yield
- Liquidity Ratios Calculator Enter a few balance-sheet figures to get the current, quick and cash ratios and working capital, each explained, with a healthy / caution / concern read.
- Leverage & Solvency Ratios Calculator Enter total debt, equity and assets to get the debt-to-equity, debt, equity-multiplier and debt-to-capital ratios, each explained in terms of financial risk.
- Coverage Ratios Calculator Enter earnings and debt obligations to get the interest coverage, DSCR and fixed-charge coverage ratios, each interpreted against lender benchmarks.
- Profitability Ratios Calculator Enter income-statement and balance-sheet figures to get the margins, ROA and ROE, each explained, with guidance to benchmark against industry peers.
- Efficiency Ratios Calculator Enter working-capital figures to get inventory turnover, DSO, DPO, asset turnover and the cash conversion cycle, each explained in business terms.
- Valuation Ratios Calculator Enter share price, shares and financials to get the P/E, P/B, P/S, EPS, dividend yield, payout ratio and EV/EBITDA, each explained in plain terms.
- Home Affordability Calculator Enter your income, monthly debts and down payment to see the home price, loan and monthly payment you can afford under the 28/36 rule.
- Retirement Calculator Enter your age, savings, monthly contributions and return to project your balance at retirement, and the number you need under the 4% rule.
- 50/30/20 Budget Calculator Enter your monthly take-home pay to see the 50/30/20 split, how much to put toward needs, wants, and savings and debt.
- Debt-to-Income (DTI) Calculator Enter your monthly housing payment, other debts and gross monthly income to get your front-end and back-end DTI ratios, with what lenders look for.
- Inflation Calculator Enter an amount, an average inflation rate and a number of years to see its real
- NPV & IRR Calculator Enter a discount rate and your yearly cash flows
Educational information, not financial advice. These tools use standard formulas with the numbers you provide and assume constant rates; real markets vary. For decisions about your money, consult a qualified, regulated financial professional.
Frequently asked questions
Are these finance calculators accurate?
Yes. They use the standard financial formulas (compound interest, amortization, CAGR) with the figures you enter, and the debt and payoff tools simulate month by month. They estimate outcomes from your inputs; they don’t predict markets.
Is my financial data private?
Completely. Every calculation runs in your browser, your balances, rates and goals are never sent to a server. The debt tool in particular keeps your whole debt list on your device.
Is this financial advice?
No. These are educational calculators, not personalised advice. They assume the rates you enter stay constant, which real markets don’t. For decisions about your money, consult a qualified, regulated professional.
Do the tools use live rates or prices?
No. There are no live feeds. You enter the rates, and everything is computed locally, so the tools work offline and never depend on a third-party service.