Personal Finance Tools

Loans, taxes, salary, and everyday money decisions.

• Mortgage Calculator

  Calculate your monthly mortgage payment including principal, interest, taxes, and insurance (PITI). View full amortization schedule and see how extra payments affect payoff date.

• Loan Calculator

  Calculate monthly loan payment, total interest paid, and full amortization schedule for any loan amount, interest rate, and term. Works for auto loans, personal loans, and student loans.

• EAR ↔ APR Calculator

  Convert between APR and effective annual rate (EAR) at any compounding frequency — monthly, daily, continuous. Shows how compounding frequency changes the true cost of a loan.

• Salary Calculator

  Convert salary between hourly, daily, weekly, bi-weekly, monthly, and annual rates. Useful for comparing job offers, freelance rates, and understanding your true annual income.

• Tip Calculator

  Calculate tip amount and split the total bill between any number of people. Choose from common tip percentages or enter a custom rate — great for restaurants and group outings.

• Sales Tax Calculator

  Calculate sales tax on any purchase or reverse-calculate the pre-tax price from a total. Enter price and tax rate to see tax amount and final total — useful for any US state rate.

• Discount Calculator

  Calculate the final price after a percentage discount, the discount amount saved, and the effective discount rate from original and sale prices. Great for shopping and pricing decisions.

• Compound Interest

  Calculate future value with compound interest and optional monthly contributions. Shows year-by-year growth, total contributions, and total interest earned — useful for savings planning.

• ROI Calculator

  Calculate return on investment (ROI) in both absolute and annualized percentage form. Enter initial cost and final value to see simple ROI and CAGR for any holding period.

• CAGR Calculator

  Calculate compound annual growth rate (CAGR) from beginning value, ending value, and number of years. The standard metric for measuring consistent investment or business growth over time.

• Inflation Calculator

  Calculate how inflation erodes purchasing power over time. Enter an amount and two years to see the equivalent value in today's dollars — uses historical US CPI data.

• Margin & Markup Calculator

  Calculate gross margin percentage, markup percentage, and cost or sale price from any two known values. Understand the difference between margin (of revenue) and markup (of cost).

• Annuity Calculator

  Calculate present and future value of ordinary annuities and annuities due from payment, rate, and periods. Useful for valuing bonds, lease payments, pension income, and retirement planning.