Finance Calculators

Loans, savings, investment and tax

Loan EMI Calculator Monthly instalment, total interest and a full amortization schedule for any loan. Compound Interest Calculator Grow a lump sum at any compounding frequency and see the year-by-year path. Simple Interest Calculator Interest charged only on the original principal — the straight-line case. SIP Calculator Project a monthly investment plan, including annual step-ups. SWP Calculator Withdraw monthly from a corpus and see how long it lasts. Retirement Calculator How large a corpus you need, and whether your saving rate gets you there. Inflation Calculator What an amount will be worth later — or what it was worth before. Discount Calculator Sale price, amount saved, and stacked or double discounts. Sales Tax & VAT Calculator Add tax to a price or strip it out of a tax-inclusive total. Tip & Bill Split Calculator Tip, total and the per-person share for any group size. Break-Even Calculator Units and revenue needed to cover fixed and variable costs. Profit Margin & Markup Calculator Margin, markup and profit from cost and price — the two are not the same. CAGR Calculator The single annual growth rate that connects a starting value to an ending one. Salary Converter Convert pay between hourly, daily, weekly, monthly and annual. Loan Payoff Calculator What paying a little extra each month does to your term and total interest. ROI Calculator Return on investment as a percentage of what you put in, annualised over the holding period. APY Calculator Turns a nominal interest rate into the effective annual yield, so two quoted rates can be compared honestly. Present Value Calculator What a future sum is worth in today’s money, discounted at a rate you choose. Future Value Calculator What a lump sum, regular deposits, or both together grow to at a given rate. NPV Calculator Net present value of a series of cash flows, discounted at your cost of capital. IRR Calculator The internal rate of return — the discount rate at which a project’s net present value is exactly zero. XIRR Calculator Annualised return for cash flows on irregular dates — the measure a real portfolio needs. WACC Calculator Weighted average cost of capital, blending equity and after-tax debt by their share of the total. Car Depreciation Calculator What a vehicle is worth after each year, on a declining balance rather than a straight line.

Borrowing, saving and the difference between them

Almost every money question reduces to one of two shapes: a sum growing at a rate over time, or a stream of payments valued against a rate. Once you can see which shape you have, the right tool is obvious. A loan is a stream of payments discounted back to the amount you borrowed, which is what the EMI calculator solves. A savings pot is a sum growing forward, which is compound interest. A monthly investment plan is both at once, which is what SIP handles.

The rate is where most of the confusion lives. A nominal rate quoted per year but compounded monthly is not the rate you earn — that is the effective annual yield, and the APY calculator exists to make two differently quoted products comparable before you choose between them. Interest quoted on the original principal only, never on the interest already earned, is simple interest, and it behaves so differently over long periods that it has its own tool rather than a checkbox.

Deciding rather than describing

The tools above split into ones that describe a number you already have and ones that help you make a choice. CAGR, ROI and XIRR describe: they take a past result and express it as a rate you can compare with something else. XIRR is the honest one for a real portfolio, because it accounts for money going in and out on irregular dates rather than pretending the whole sum sat there from the start.

Net present value, IRR and WACC are for deciding. They ask whether a stream of future cash is worth more than what it costs to obtain, and they only mean anything once you have picked a discount rate — which is what WACC is for. Retirement, inflation and present value sit between the two: they take a number you can see today and tell you what it will be worth when it matters.

Every calculation here runs in your browser. Nothing you type about your salary, your loan or your savings is sent anywhere, which is the reason these pages carry no account and no sign-up.

Finance calculators — common questions

Which calculator should I use for a home or car loan?

The loan EMI calculator. It gives the monthly instalment, the total interest across the term, and the full amortisation schedule showing how each payment splits between interest and principal. If you want to see what overpaying does, use the loan payoff calculator instead — it compares the same loan with and without the extra payment.

What is the difference between margin and markup?

Markup is profit as a percentage of what the item cost you; margin is profit as a percentage of what you sold it for. A 50% markup is a 33% margin on the same transaction. Quoting one when you mean the other is the single most common pricing error, which is why the profit margin calculator shows both from the same inputs.

Do these calculators account for tax?

Only where the tool is about tax. The sales tax calculator adds or removes VAT, GST and sales tax at a rate you set. WACC applies a tax shield to the cost of debt, because interest is deductible in most jurisdictions. Everywhere else the figures are pre-tax, since income tax rules differ by country and by individual and cannot be assumed.

Is this financial advice?

No. These are arithmetic tools that apply standard published formulas to the numbers you type. They do not know your circumstances, your tax position or your risk tolerance, and a projection is not a promise about what a market will do. Use the results to understand a decision, not to make it on their own.