Finance
Mortgage calculator
Calculates your monthly mortgage payment, total interest paid and full amortization schedule. Shows exactly how much…
Loan payment calculator
Computes the monthly payment, total interest and total cost of any personal or consumer loan. Compare bank offers…
Student loan calculator
Personal loan calculator
Mortgage refinance calculator
Compound interest calculator
Projects how much your investment will grow over time with compound interest — a lump sum, regular contributions and…
Simple interest calculator
Pure interest with no compounding — for short-term loans, deposits and bonds where interest applies only to the…
Savings calculator
Projects your savings growth with regular monthly deposits and interest. Set a goal (first home, car, education) and…
Retirement savings calculator
Estimates the pot you'll have at retirement given current savings, monthly contribution and expected return. Shows…
Investment growth calculator
Forecasts the final value of an investment portfolio given monthly contributions and expected annual return. Ideal…
ROI (return on investment) calculator
Computes return on investment (ROI) as a percentage and annualised figure. Use it for real estate, startups,…
CAGR calculator (compound annual growth rate)
Net worth calculator
Debt-to-income ratio calculator
Emergency fund calculator
Inflation calculator
Shows the real purchasing power of an amount after N years at a given inflation rate. Answers 'will 100k be enough…
Salary calculator (annual take-home)
Converts hourly rate to monthly and annual gross salary and back. Useful when changing jobs, moving to contracting…
Hourly to salary calculator
VAT calculator
Adds or removes VAT from an amount in one click. Shows net, VAT amount and gross — essential for freelancers, small…
Sales tax calculator
Adds sales tax to any price. Works with any tax rate, from US state taxes to other jurisdictions with a similar model.
Income tax calculator
Tip calculator
Computes tip and splits the bill fairly between people. Works with any percentage (5–25%) and any currency.
Discount calculator
Shows final price after discount and how much you actually save. Handles single discounts (30%) or combined offers.
Commission calculator
Credit card payoff calculator
Debt payoff calculator
Future value calculator
Present value calculator
Annuity calculator
Local context: what changes in United States
Straight to the numbers — here is how Finance behaves under US rules, units and pricing conventions.
Key local facts
- Money & format: Amounts are US dollars written as $1,234.56, with a period as the decimal mark. Sales tax is added at checkout, so advertised prices are pre-tax.
- Tax structure: Federal income tax runs in brackets from 10% to 37%, on top of state income tax that ranges from 0% (TX, FL, WA) to over 13% (CA).
- Payroll: FICA takes 7.65% from the employee (6.2% Social Security + 1.45% Medicare) and the employer matches it; Social Security stops at the annual wage base.
- Units: Imperial by default: miles, pounds, °F, US gallons and feet/inches. A US gallon is 3.785 L, not the 4.546 L imperial gallon.
- Power & standards: Households run on 120 V / 60 Hz with NEMA Type A/B plugs, and wiring sizes follow AWG under the NEC, not mm².
Local examples
- Example — Texas: A homeowner in Austin runs Finance with local rates, then checks the output against a contractor quote before signing.
- Example — New York: A freelancer in NYC uses Finance to separate federal, state and city obligations before setting aside quarterly estimates.
Every figure above applies to United States specifically and is reviewed when the rules change.