Free Finance Calculators
Money decisions are easier when you can see the numbers. These calculators work out loan repayments, mortgage costs, compound interest, savings goals and take-home figures.
Each one explains its assumptions. They give honest estimates for planning, not quotes or financial advice. Your bank or lender has the final figures.
22 free tools · No sign-up · Works on phones and computers
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Popular finance tools
- Loan & EMI CalculatorMonthly payment (EMI), total interest and a full repayment schedule.
- Mortgage CalculatorMonthly home loan payment including property tax, insurance and fees.
- Compound Interest CalculatorWatch savings grow with compounding and regular deposits, year by year.
- Salary ConverterConvert pay between hourly, daily, weekly, monthly and yearly.
- Take-Home Pay CalculatorNet pay after income tax, National Insurance or FICA, and pension — UK and US.
- Monthly Budget PlannerPlan where your money goes each month and compare with the 50/30/20 rule.
All finance tools
Grouped by what they help you do.
22 tools
- Loan & EMI CalculatorPopularMonthly payment (EMI), total interest and a full repayment schedule.
- Mortgage CalculatorPopularMonthly home loan payment including property tax, insurance and fees.
- Credit Card Payoff CalculatorHow long it takes to clear a card balance, and what it really costs.
- Compound Interest CalculatorPopularWatch savings grow with compounding and regular deposits, year by year.
- Simple Interest CalculatorInterest earned or owed on a fixed amount, without compounding.
- SIP CalculatorEstimate what a monthly investment (SIP) could grow to over time.
- CAGR CalculatorCompound annual growth rate between a start and end value.
- Savings Goal CalculatorHow much to save each month to reach a target by a date.
- Inflation CalculatorWhat money will be worth in the future at a chosen inflation rate.
- Retirement CalculatorWill your savings last? Projected nest egg, the target you need and any shortfall.
- Net Worth CalculatorAdd up what you own and what you owe to see your net worth and debt ratio.
- Salary ConverterPopularConvert pay between hourly, daily, weekly, monthly and yearly.
- Take-Home Pay CalculatorPopularNet pay after income tax, National Insurance or FICA, and pension — UK and US.
- Monthly Budget PlannerPopularPlan where your money goes each month and compare with the 50/30/20 rule.
- Expense TrackerLog daily spending by category, see monthly totals and export to CSV.
- Subscription Cost CalculatorAdd up all your subscriptions to see what they cost per month and per year.
- Student Budget CalculatorPlan a term on a student loan, grant and part-time job — and see if it lasts.
- Rent Affordability CalculatorHow much rent you can afford by the 30% rule, the 40× rule and your debts.
- Currency FormatterFormat amounts in any currency and locale — symbol, code, accounting and compact.
- IBAN ValidatorCheck an IBAN's length and checksum and see the country and bank account part.
- SWIFT / BIC Code CheckerValidate a SWIFT/BIC code and decode its bank, country, location and branch.
- Card Number Validator (Luhn)Check a card number with the Luhn algorithm and identify the card network.
Good to know
Monthly payment vs total cost
A longer loan term lowers the monthly payment but almost always raises the total interest you pay. The loan and mortgage calculators show both numbers side by side so you can see the trade-off before you sign anything.
Why compound interest matters
With compound interest you earn interest on your interest. Over a few years the difference is small; over 20 or 30 years it can double the result. The compound interest calculator shows a year-by-year table so you can watch it happen.
Finance guides
Step-by-step help that goes with these tools.
- Guide · FinanceHow to Calculate Loan EMI (Monthly Payment) — Formula and ExamplesThe EMI formula in plain English, a worked example, why early payments are mostly interest, and how loan term and prepayments change what you pay.Oct 4, 2026 · 7 min read
- Guide · FinanceHow to Calculate Compound Interest (and How It Differs From Simple Interest)The compound interest formula with a worked example, how compounding frequency and monthly deposits change the result, and the rule of 72.Oct 4, 2026 · 7 min read
Finance tools: common questions
Are the results financial advice?
No. The calculators use standard formulas to give estimates for planning. Real loans can include fees, insurance, variable rates and rounding rules that change the final numbers.
Which currency do the calculators use?
Any. The math is the same in every currency, so enter amounts in whatever currency you use.
Is my financial information stored?
No. Everything is calculated in your browser and nothing you type is sent to us.
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