Financial & Everyday Calculators

Mortgage calculator with amortization chart. Estimate monthly principal and interest, total interest over the term and the real cost of your home loan.

See whether refinancing your mortgage will save you money: calculates new monthly payment, lifetime savings and how long until closing costs pay back.

Calculate UK property tax for England (SDLT), Scotland (LBTT) and Wales (LTT) with first-time buyer relief and additional-property surcharge built in.

Work out your UK mortgage payment and loan-to-value band, and see how monthly or lump-sum overpayments cut your term and interest.

Estimate the home price you can afford from your income, debts and down payment.

Compare the total cost of renting versus buying a home over a period of years.

Work out the down payment you need and how long it will take to save for it.

Find a new payoff date and interest saved from an extra monthly payment, switching to biweekly payments, or a one-time lump sum toward your mortgage.

Estimate your available home equity line of credit, the interest-only payment during the draw period, and the higher payment once repayment begins.

Estimate your US federal tax refund for tax year 2026 from gross income, filing status, withholding and deductions (standard or itemized).

Calculate your US net paycheck for 2026 (federal tax, FICA, state tax, 401(k), health insurance) with bi-weekly, monthly and annual breakdowns.

Estimate income tax for any country using your own editable progressive tax brackets: enter any rates and thresholds for any tax year.

Estimate your net take-home pay after tax, retirement contributions and deductions.

Add or remove VAT from any amount for UK, EU and global VAT rates. Supports standard, reduced and zero rates.

Add sales tax to a price or back it out of a total, with an editable average combined rate for every US state from Tax Foundation data.

Estimate your net take-home pay per paycheck after federal tax, Social Security, Medicare and state income tax for all 50 US states.

Calculate overtime pay from an hourly rate, regular and overtime hours, and a multiplier, plus optional double-time hours and the effective hourly rate.

Convert an hourly wage to annual, monthly, biweekly, weekly and daily pay, or work out the hourly rate behind a salary.

Calculate UK take-home pay for 2026/27 (income tax, National Insurance, student loan and pension) for England, Wales, Northern Ireland and Scotland.

Find out how long it takes to clear a credit card balance and how much interest it costs.

See how making an extra monthly payment cuts the time and interest to clear a debt.

Calculate monthly student loan payments and total interest under Standard, Extended, Graduated and Income-Driven (RAP) repayment plans for 2026.

Calculate the monthly payment for home loans, auto loans, personal loans and mortgages from principal, interest rate and term.

Calculate monthly car payments from price, down payment, trade-in, interest rate and term.

Estimate a car lease payment from MSRP, negotiated price, residual value and money factor or APR, including sales tax and the amount due at signing.

Calculate the Annual Percentage Rate (APR) on a loan from the interest rate, fees and term, the true cost of borrowing.

See the full month-by-month amortization schedule for any loan (payment, interest, principal and balance) with a downloadable CSV.

Calculate your front-end and back-end debt-to-income ratio from gross income, housing payment and other monthly debts.

Project the future value of your UK ISA contributions for the 2026-27 tax year. Supports Stocks & Shares, Cash and Lifetime ISA with 25% government bonus.

Calculate your total Canadian TFSA contribution room since 2009, check for over-contributions, and project tax-free growth from monthly contributions.

See how savings grow over time with compound interest and optional regular contributions.

Project the future value of any recurring monthly investment given the contribution, expected annual return and time horizon.

See how inflation changes the purchasing power and future cost of a sum of money.

Calculate simple interest and the maturity amount on a principal sum, for any annual rate, period and currency without compounding.

Work out what an investment really returned, including regular contributions: money-weighted annual return, total return and net profit.

Estimate the future value of a one-time lump sum investment at a given annual return over any period, with monthly or annual compounding.

Work out the monthly saving needed to reach a financial goal by a target date.

Project how much your 529 college savings plan will grow given monthly contributions, investment return and years until enrollment.

Calculate Compound Annual Growth Rate, or solve it backwards for the ending value or the years needed to reach a target.

Project your 401(k) balance at retirement using 2026 IRS contribution limits, employer match, salary growth and expected investment return.

Project your retirement savings from your current age, savings, monthly contributions and expected return.

Project your Health Savings Account balance at retirement using 2026 IRS limits. Calculates the triple-tax-advantage value over your working years.

Calculate the Financial Independence number you need to retire early, with Lean FIRE, Fat FIRE and Coast FIRE variants and years-to-FI projection.

See how much your current expenses will cost after decades of inflation and the corpus you need to cover them throughout retirement.

Project the future value of your Roth IRA contributions with tax-free growth, based on annual contribution, expected return and years to retirement.

Calculate your Canadian RRSP contribution limit from earned income and carried-forward room, plus a tax-deferred growth projection to retirement.

Estimate your monthly Social Security retirement benefit based on your earnings history and the age at which you claim.

Add up your assets and subtract your liabilities to see your total net worth.

Split your take-home pay into needs, wants and savings using the popular 50/30/20 rule, plus adjustable percentages for your own plan.

Find the sales volume and revenue you need to cover your fixed and variable costs. Essential for any small business or product launch.

Estimate how much life insurance coverage you need based on your income, debts, dependants and existing savings.

Calculate Net Present Value and Internal Rate of Return for a series of cash flows. Essential for investment and project analysis.