Finance
Finance calculators for loans, mortgages, interest, and everyday money checks
Finance calculators for monthly loan payments, mortgages, payoff plans, compound interest, inflation, discounts, VAT, and price checks.
This section is for practical money questions like what the monthly payment will be, how much interest you will pay, whether extra payments help, or which offer is actually cheaper.
Use the results for quick comparison and planning, not as a replacement for lender terms, tax advice, or legal review.
Tools in this category
Loan Calculator: Monthly Payment and Total Cost
Calculate monthly loan payment, total interest, and total repayment from amount, APR, and term for quick offer comparison.
Mortgage Calculator: Monthly Principal and Interest Payment
Estimate monthly mortgage payment, total interest, and total repaid for fixed-rate principal-and-interest scenarios.
Mortgage Payoff Calculator
See how extra mortgage payments shorten the loan and cut interest: monthly, quarterly or yearly overpayments and a one-off lump sum, with a comparison of a shorter term against a lower payment.
Loan Payment Calculator: the PMT Formula
Work out a fixed loan payment with the PMT formula, step by step: the monthly rate, the payment factor and the payment with your numbers, plus total interest, the first month's interest and the spreadsheet formula.
Amortization Schedule
See how each loan payment splits between interest and principal and what balance is left after it, with the year-by-year shift and the total interest over the term.
Loan Payoff Calculator
See how extra payments pay off a personal loan early: monthly overpayments and a lump sum, a shorter term or a lower payment, the interest saved and a dated payment schedule.
Auto Loan Calculator
Work out a car loan payment and total interest from the vehicle price, down payment, trade-in, rebates, taxes and fees, rate and term, and see what the car costs in total with interest.
Debt Payoff Calculator: Avalanche vs Snowball
Plan how to pay off several debts: compare the avalanche method (highest rate first) with the snowball method (smallest balance first) on your own debts, with the payoff time, total interest, when each debt is cleared and what paying more would do; for a single debt, the time and interest at a fixed payment.
Credit Card Payoff Calculator
Find out how long it takes to pay off a credit card and how much interest it costs: at your own payment, paying only the minimum, or the payment needed to clear the card by a target date.
Compound Interest Calculator
Work out compound interest with regular contributions: the future value, what you paid in and what interest added, the effective annual rate, the formula with your numbers and a year-by-year table.
Simple Interest Calculator
Work out simple interest with I = P × r × t for a term in years, months or days, with the working shown. Solve for the principal or the rate, and compare the result with monthly compounding.
Inflation Calculator
See what today's spending will cost in future at a steady inflation rate and how much purchasing power money loses, with the formula, tables and a Russian mode that converts past roubles using Bank of Russia inflation data.
Discount Calculator
Work out a sale price and the saving, the percent off from two prices, the original price, two discounts in a row, and multi-buy deals such as 3 for 2 or a second item at half price, with the formula for each.
VAT Calculator
Add VAT to a net price or remove VAT from a gross price at the UK standard rate of 20%, the reduced rate of 5% or any other rate, with the working shown and the VAT fraction explained.
Unit Price Calculator
Work out the price per kg, 100 g, litre, 100 ml or item from a pack price, see which of two packs is better value even in different units, what a set amount costs at a price per kg, and how much a sum buys, with the working for each.
Tip Calculator
How much to tip and how to work it out: the tip on a bill with one-tap 5, 10, 15 and 20% buttons, the total, each person's share rounded up, a table of tips at other percentages, and US tipping guidelines for restaurants, delivery, taxis and salons.
Hourly to Salary Calculator
Convert an hourly rate into annual, monthly, weekly and daily pay, or a salary into an hourly rate, with your own hours per week and paid weeks per year, a table of common rates, and a Russian monthly salary mode based on the 2026 working-hours calendar.
Savings Goal Calculator
How much to save each month to reach a goal by a date, and how long a goal takes at the amount you can save: with interest on the balance, money already saved, a rising goal price, a month-by-month savings plan and the deposit for other terms.
Margin & Markup Calculator
Enter cost and selling price to get profit, margin and markup. A 50% markup is a 33% margin, and mixing them up loses money.
Income Tax Calculator
Work out tax and take-home pay from a gross amount, or the gross amount behind a take-home figure, at your own rate or on Russia's progressive income tax scale, with the effective and top rates, tax on a one-off payment and a band-by-band breakdown.
Break-Even Calculator
Break-even point in units and in revenue with the formula worked through, contribution margin, margin of safety, profit at your planned sales, operating leverage and tables of profit by volume and break-even by price.
ROI Calculator
Return on investment with the formula worked through: profit and ROI as a percentage, the annualised return with compounding, extra costs, the real return after inflation, a comparison with an alternative rate and the same ROI per year over other terms.
Equal Principal Payment Calculator
Loan with equal principal payments and falling instalments: a full schedule of payment, interest, principal and balance, the formula with your numbers, a year-by-year comparison with an annuity, the month the payment drops below it, and an extra repayment.
Commission Calculator
Work out a commission or fee on an amount and what is left, the amount to invoice so a target sum reaches you after fees, and the fee percentage from two amounts, with fixed fees, minimum fees and common rates.
Deposit Calculator
Interest on a deposit with monthly, quarterly or annual compounding and optional top-ups, plus the effective annual rate.
Refinance Calculator
Compare your current loan or mortgage with a refinance: the new payment, interest before and after, the saving after closing costs, how many months the costs take to recover, and a table by term that shows when a lower payment costs more.
Bond Yield: Current and to Maturity
The exact yield to maturity of a bond, nominal and effective, from price, coupon, term and accrued interest, plus current yield, income to maturity and the yield after Russian income tax at 13% or 15%.
Investment Calculator
Investment calculator with monthly contributions: what you will have, how much to invest each month for a goal, how many years a goal takes, tax on gains, the result and income in today's money, and tables by year and by return.
Retirement Savings Calculator
How much you need to retire and how much to save each month: capital and income in today's money after inflation, a withdrawal rate, Social Security or another pension, how long the money lasts, and tables by age and by return.
Cashback Calculator
Work out cash back on a purchase from the rate, or a rewards card's net cashback over a month with bonus categories, a cap, a card fee and points: where the cap kicks in, the effective rate and how it compares with a flat no-fee card.
Currency Cross-Rate Converter
Converts between two currencies through their rates against a common base, showing the cross rate and its inverse.
Split the Bill Calculator
Split a restaurant bill between friends evenly or by what each person ordered, with shared dishes divided between everyone, the tip added to each share and every share rounded up so the table covers the bill.
Freelance Hourly Rate Calculator
Work out the hourly rate a freelancer needs: from the income you want to keep, through business costs, weeks off and tax, to the hours clients actually pay for, with unbilled time shown as what you earn per hour worked.
0% Financing or Cash Back Calculator
Compare 0% financing with taking the cash price and a loan: the hidden interest rate of a 0% offer, payments and interest on each side, a cash discount or markup as a percentage, different loan terms and a table by rate.
Dividend Yield Calculator
Dividend yield before and after tax, the income from your holding, yield on cost, how many shares a target monthly income takes, and a table of yield at other prices, with a Russian LLC owner mode and Russian tax rates built in.
Currency Exchange Fee Calculator
What a currency exchange really costs: the spread against the market rate plus any commission, the effective rate when buying or selling, how much currency a sum buys, and which of two providers is cheaper, with the working step by step.
Lease Calculator
Lease payment with an advance and a buyout at the end, the total cost above the price in money and per year, a comparison with a loan for the same amount, the payment for other advances, and Russian VAT and profit tax for companies.
Deposit Insurance Calculator
How much of your savings stays within a deposit insurance limit such as the FDIC's $250,000, including interest to the end of the term, the largest safe deposit, how many banks you need and how to spread the money, with Russia's limits as a preset.
Rent vs Buy Calculator
Compare buying a home with a mortgage against renting and investing the difference: the wealth each side holds after your chosen number of years, with rising prices and rent, upkeep, buying costs and a year-by-year table.
Emergency Fund Calculator
How big an emergency fund your expenses call for, how long it takes to build at your monthly saving with and without interest, how much to put aside to finish by a set month, a month-by-month plan, and where to keep the money.
Salary Increase Calculator
Work out a pay raise as a percentage from two salaries, or the new salary from a raise percentage or amount, with the real raise after inflation, the salary that only keeps up with prices, take-home change at your tax rate and tables by raise and by year.
Related categories
FAQs
What finance tasks does this category cover?
Monthly payments, interest totals, payoff plans, compound growth, inflation impact, discounts, VAT, and unit pricing.
Can I rely on the result before signing a contract?
Use it as a fast estimate only. Real lender terms, fees, and insurance still need to be checked separately.
Are there tools for early repayment?
Yes. Separate calculators cover mortgage and loan prepayment scenarios.
Is this category useful for everyday purchases too?
Yes. The section also includes discount, VAT, and unit-price tools.