49 free tools. Every one runs in your browser; nothing is uploaded.
These calculators are pure arithmetic — amortisation, compounding, break-even and present value — so they work in any currency and any country: enter the symbol you use and the figures from your own quote. They are written for the questions people ask in the US, UK, Canada, Australia and the Gulf, with notes where a country's rules differ (PMI, HELOCs, 401(k) limits, UK deals, UAE fees).
None of them embeds a tax rate or a legal threshold that can go stale, with one exception — the 401(k) page carries the IRS contribution limit and the date it was confirmed. Every page runs its worked example on load from the same formula you get, and every example has been recomputed independently before release.
Calculate profit margin and markup from cost and price, or work backward to the selling price that hits a target margin or markup.
Margin is profit divided by selling price; markup is profit divided by cost. A 50% markup on a $100 cost gives a $150 price but only a 33% margin. To hit a target margin, price = cost ÷ (1 − margin).
Open the calculatorInvoice late fee calculator: interest and fixed compensation on an overdue invoice under the UK Late Payment Act (8% + base rate), the EU Late Payment Directive, or your own contract rate.
UK businesses can charge statutory interest of 8% above the Bank of England base rate on overdue B2B invoices plus fixed compensation of £40, £70 or £100 depending on the debt size; the EU minimum is the ECB rate plus 8 points and €40. In the UAE, Saudi Arabia and Pakistan only the rate written in the contract applies. Interest = amount × annual rate ÷ 365 × days late.
Open the calculatorSee how a lump sum and regular monthly deposits grow at a given rate with daily, monthly or yearly compounding, year by year, in any currency.
Compound interest grows a balance by A = P × (1 + r/n)^(n×t), with regular deposits added each period and compounding on top. The effective annual rate is (1 + r/n)^n − 1 — 8% compounded monthly is 8.30% a year — and money doubles in roughly 72 ÷ rate years.
Open the calculatorFour percentage calculations in one place: X% of a number, what percent X is of Y, percentage increase or decrease between two numbers, and marks or discount percentages.
X% of Y = X ÷ 100 × Y; X as a percent of Y = X ÷ Y × 100; percentage change = (new − old) ÷ old × 100; price after a discount = price × (1 − discount ÷ 100); marks percentage = obtained ÷ total × 100. A 20% fall then a 20% rise leaves you 4% down, and percentage points are not the same as percent.
Open the calculatorCalculate the monthly installment (EMI) on any loan from the amount, rate and term, with total interest and a year-by-year amortization schedule — works in any currency.
EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), with P the loan, r the monthly rate and n the months: PKR 500,000 at 12% over 3 years is PKR 16,607 a month with PKR 97,858 total interest. A flat rate charges on the original amount all term, so 12% flat is about 21% APR on a reducing balance.
Open the calculatorWork out the fuel cost of a trip or your monthly commute from distance, your car's km/l or l/100km and the petrol price — in PKR, AED, SAR, pounds or any currency, with per-person sharing.
Fuel cost = distance ÷ km per litre × price per litre. A 1300 cc sedan at 14 km/l doing a 750 km Lahore–Islamabad return trip uses about 54 litres — PKR 14,500 at PKR 270 a litre, or PKR 4,500 per person for four. Real-world consumption runs 10–20% above the brochure figure in city traffic.
Open the calculatorCustomer acquisition cost from spend and new customers, lifetime value on gross margin and churn (with expansion and discounting), the LTV:CAC ratio, CAC payback months and what it takes to reach 3:1.
CAC = sales and marketing spend ÷ new customers; LTV = monthly gross margin per customer ÷ monthly churn. ARPU 80 at 75% margin and 3% churn gives an LTV of 2,000; with 60,000 spent for 150 customers CAC is 400, so LTV:CAC is 5:1 and payback 6.7 months. The usual benchmark is 3:1 or better with payback under 12 months.
Open the calculatorUnits and revenue to break even from fixed costs, price and variable cost, contribution margin, margin of safety at your expected volume, units for a target profit and price/cost sensitivity.
Break-even units = fixed costs ÷ (price − variable cost per unit); break-even revenue = fixed costs ÷ contribution-margin ratio. With 12,000 of monthly fixed costs, a 45 price and 18 variable cost, the contribution margin is 27 (60%) and break-even is 445 units or about 20,000 of revenue; margin of safety = (expected sales − break-even) ÷ expected sales.
Open the calculatorMonthly payment, cash received after fees, total cost and true APR for amortising, interest-only or factor-rate business finance, plus debt service coverage ratio and the maximum loan your cash flow supports.
Compare business loans on true APR (fees included) and check DSCR = annual cash flow ÷ annual debt payments, which lenders want at 1.25× or more. 150,000 at 9.5% over 7 years with a 3% fee costs 2,452 a month at an 11.4% APR; the same amount as a 9-month merchant cash advance at a 1.25 factor costs 37,500 — an APR above 70%.
Open the calculatorThe hourly, day and retainer rate a freelancer or contractor needs from a target income, tax, business costs, benefits, billable share and margin — with sensitivity and an employee-salary comparison.
Freelance rate = ((target income + benefits) ÷ (1 − tax rate) + business costs) × (1 + margin) ÷ billable hours, where billable hours are typically only 60–70% of hours worked over 46 weeks. A 70,000 take-home target with 25% tax, 6,000 costs, 8,000 benefits and 10% margin at 1,196 billable hours needs about 101 an hour — roughly 3× the equivalent employee's hourly pay.
Open the calculatorFind your exact age in years, months and days, total days lived, your next birthday, and your age on any future date — useful for job, exam and visa age limits.
Civil age adds a year on each birthday; months and days are then counted from the last birthday, and total days are the exact count between the dates. A Hijri (lunar) age is about 3% higher because a lunar year is 354–355 days. For job and exam age limits, what matters is the age on the advertised cut-off date.
Open the calculatorCount the days, working days, weeks and months between two dates, count down to an event, or add or subtract days from a date — with Friday–Saturday or Saturday–Sunday weekends.
Days between two dates are counted as the number of midnights crossed, excluding the end date — the standard for interest, rent and legal periods — while visa stays count both the arrival and departure days inclusively. Working days exclude Saturday–Sunday in Pakistan, the UAE and the UK, and Friday–Saturday in Saudi Arabia.
Open the calculatorCalculate your BMI with the standard and South Asian cut-offs, your basal metabolic rate and daily calorie needs for your activity level, and a healthy weight range for your height.
BMI = weight in kg ÷ height in m². For South Asian adults the WHO and NICE action points are 23 (overweight) and 27.5 (obese) instead of 25 and 30. Daily calorie needs = Mifflin–St Jeor BMR (10 × kg + 6.25 × cm − 5 × age + 5 for men / − 161 for women) × an activity factor of 1.2–1.9; a 500 kcal daily deficit loses about 0.5 kg a week.
Open the calculatorShould you refinance? Put in your current loan, the new rate and closing costs to get the break-even month, monthly saving, lifetime interest difference and a verdict for the years you plan to stay.
Refinancing pays when the closing costs are recovered before you move: break-even months = closing costs ÷ monthly saving. A $320,000 balance at 6.75% with 26 years left, refinanced to 5.5% over 30 years with $6,000 costs, saves $362 a month and breaks even in 17 months — but the lifetime figure must also count the extra years of the new term.
Open the calculatorHow long to pay off a credit card at a fixed monthly payment, the payment needed to clear it by a date, and what paying only the minimum really costs — with a month-by-month balance table.
Card interest is charged monthly at APR ÷ 12 on the balance. A 6,500 balance at 24.99% APR paid at 250 a month clears in 38 months with about 2,960 interest; paying only the minimum (interest + 1% of the balance) takes nearly 22 years and costs about 12,400.
Open the calculatorEnter up to six debts and an extra monthly amount: months to debt-free, total interest and payoff order for the avalanche and snowball methods side by side, plus the minimums-only baseline.
Avalanche pays minimums on every debt and puts the extra on the highest APR first; snowball targets the smallest balance first. Both keep the monthly outlay constant and roll each cleared minimum onto the next debt. Avalanche costs the least interest; snowball clears the first debt sooner, which many people find easier to keep up.
Open the calculatorWork out the real APR of a personal or car loan once origination, arrangement and monthly fees are included, see the cash you actually receive and total cost of credit, and compare two offers on one number.
APR is the rate that makes the cash you actually receive equal to the present value of every payment, so fees count as interest. A 15,000 loan at 9.9% over 4 years with a 3% origination fee has a payment of 379.72 but an APR of about 12.15%; the same fee on a 2-year loan pushes the APR to 13.8%.
Open the calculatorCompare leasing and buying a car over the same months: lease payment built from price, residual and money factor, against a loan with the equity you keep at resale and the opportunity cost of the down payment.
A lease payment = (capitalised cost − residual) ÷ months + (capitalised cost + residual) × money factor, where money factor = APR ÷ 2400. Buying costs more per month but leaves you with equity (resale value minus the loan balance); over one lease term the two are often within a few hundred of each other, and buying wins once you keep the car beyond the term.
Open the calculatorHow much life cover you need using the DIME method — debts, income replacement, mortgage, education — minus savings and existing cover, with an income-multiple cross-check and a suggested term policy.
The DIME method adds Debts, Income × the years to replace it, the Mortgage and Education costs, then subtracts savings and existing cover. A 60,000 earner replacing 10 years of income with a 250,000 mortgage, 15,000 of debts and two children at 50,000 each needs about 914,000 in total — roughly 15× income — before existing cover is deducted.
Open the calculatorProject your retirement pot from current savings, monthly and employer contributions and expected returns, in future and today's money, the income it supports at your withdrawal rate, and the contribution needed to hit a target.
Retirement pot = current savings and every future contribution compounded at the expected return; divide by (1 + inflation)^years for today's money and multiply by the withdrawal rate (commonly 4%) for the sustainable income. 40,000 saved at 35 with 900 a month combined contributions at 6% grows to about 1.32 million by 65 — 629,000 in today's money.
Open the calculatorIs a 0% balance transfer worth the fee? Interest and months on both cards, the balance left when the promotion ends, the monthly payment that clears it in time, and the net saving.
A balance transfer pays off when the interest saved exceeds the fee and the balance is cleared inside the promotion: 8,000 at 24.99% paid at 400 a month costs about 2,455 in interest, while a 0% card for 18 months with a 3% fee (240) costs about 286 in total — saving roughly 2,170. The payment that clears it in time is the balance plus fee divided by the promotional months (458).
Open the calculatorStandard student loan payment, payoff date and interest with extra monthly payments or a lump sum, plus a refinance offer compared with and without the same overpayments — any currency.
Extra payments go straight to principal: 38,000 at 6.8% over 10 years costs 437 a month and 14,480 interest; 100 extra a month clears it in 7 years 7 months and saves about 3,780. Refinancing to 5.2% saves a similar amount but, for US federal loans, forfeits income-driven repayment and forgiveness; UK income-contingent loans are a different system.
Open the calculatorMonthly car payment from price, sales tax, fees, down payment and trade-in (including negative equity rolled in), total interest, every term side by side, a negative-equity warning — or the price you can afford for a payment.
Amount financed = price + sales tax + fees − down payment − trade-in equity (negative equity on the trade-in is added). A 32,000 car with 7% tax, 600 fees, 3,000 down and 1,500 of negative equity finances 33,340, costing 674 a month over 60 months at 7.9% APR with 7,125 interest; 72 months lowers the payment to 583 but raises interest to 8,630.
Open the calculatorEmployer match from your plan's formula (e.g. 100% of the first 3%, 50% of the next 2%), the free money you are missing, per-paycheck amounts, the pre-tax saving and the projected balance with and without the full match — 2026 IRS limits.
An employer match is calculated on your contribution up to a cap: with the common formula (100% of the first 3% of salary, 50% of the next 2%), contributing 5% earns a 4% match. On an 85,000 salary that is 3,400 of free money a year; contributing only 4% earns 2,975 and leaves 425 unclaimed. The 2026 IRS employee deferral limit is 24,500 (catch-up 8,000 at 50+, 11,250 at 60–63).
Open the calculatorMonthly amount to reach a savings goal by a date, how long a fixed amount takes, or what you will have — with interest, the no-interest comparison, weekly and daily figures and a progress table.
Monthly saving needed = (goal − current savings grown at the rate) × r ÷ ((1 + r)^n − 1), where r is the monthly rate and n the months; at 0% it is simply the gap ÷ months. To reach 20,000 in 24 months with 2,500 saved at 4% takes about 693 a month, or 729 with no interest.
Open the calculatorTotal return on investment, annualised CAGR between two dates, real return after inflation, doubling time and a benchmark comparison — including fees paid and income received along the way.
ROI = (total returned + income − total cost) ÷ total cost; CAGR = (end value ÷ start)^(1 ÷ years) − 1. 10,000 invested with 1,200 of costs that returns 16,500 plus 900 of dividends after 5 years is a 55.4% ROI and a 9.2% CAGR — about 5% a year in real terms after 4% inflation.
Open the calculatorFull loan amortization schedule: monthly payment, every payment's interest and principal with dates, payoff date, the month principal overtakes interest, extra-payment effect and a CSV download — any currency.
An amortization schedule lists every payment on a loan with its interest, principal and remaining balance. Interest = balance × monthly rate; the rest of the level payment reduces principal, so early payments are mostly interest. On 250,000 at 6% over 30 years the payment is 1,498.88, principal first exceeds interest at payment 223, and 200 a month extra ends the loan 93 months early, saving about 86,000.
Open the calculatorYears to financial independence from your savings rate, your FIRE number at a 4% (or custom) withdrawal rate, FI age, coast FIRE, lean and fat variants and a savings-rate table — any currency.
FIRE number = annual spending ÷ safe withdrawal rate (25× spending at 4%). Years to reach it depend on the savings rate, not income: at a 5% real return, 25% saved takes about 32 years, 50% about 17 and 70% about 8.5. Someone spending 42,000 of a 70,000 take-home (40% saved) with 60,000 invested needs 1.05 million and gets there in about 20 years.
Open the calculatorHow long retirement savings last with inflation-linked withdrawals, the sustainable amount for your horizon, the never-touch-capital figure, pension income starting later and stress tests for lower returns and an early crash.
How long savings last depends on the initial withdrawal rate, inflation and returns: withdrawals rise with inflation each year while the remainder grows. 800,000 drawn at 40,000 (5%) rising 2.5% a year at a 5% return lasts 30+ years if a 12,000 pension starts in year 8, but runs out in year 28 at a 3% return. The 4% rule is the usual 30-year guideline; 3–3.5% for longer horizons.
Open the calculatorInterest and balance at maturity for a CD, fixed or term deposit at any compounding, APY from the nominal rate (or the reverse), tax and inflation, early-withdrawal penalty, other terms and a ladder plan — any currency.
A CD or fixed deposit grows by deposit × (1 + nominal rate ÷ compounding periods)^(periods × years); APY = (1 + nominal ÷ periods)^periods − 1. 25,000 at 4.5% nominal compounded monthly (4.594% APY) earns about 1,742 over 18 months; an early-withdrawal penalty of 3 months' interest (281) applies if cashed in early, and tax and inflation reduce the real return.
Open the calculatorYour net worth from assets and liabilities, liquid net worth, home equity, debt-to-asset ratio, asset mix, the age × income benchmark and months of runway — any currency.
Net worth = everything you own at realisable value (cash, investments, retirement accounts, home, vehicles) minus everything you owe (mortgage, cards, loans). Liquid net worth excludes the home, cars and locked retirement money. A common benchmark is age × gross income ÷ 10: a 35-year-old earning 80,000 would be 'on track' at 280,000.
Open the calculatorWhat today's money will cost in future, what past money is worth today, or the inflation rate implied by two prices — with purchasing-power loss, doubling time and a real-return comparison for any country's rate.
Future cost = today's amount × (1 + inflation)^years; 10,000 at 3% becomes 13,439 in ten years, and 10,000 kept in cash buys only what 7,441 buys today. Prices double every 72 ÷ rate years — about 24 years at 3%, 7 at 10%. Real return = (1 + nominal) ÷ (1 + inflation) − 1.
Open the calculatorPortfolio value with dividends reinvested versus taken as income, dividends received, final-year income and yield on cost, with monthly contributions, dividend growth and withholding tax.
Reinvested dividends buy more shares that pay dividends themselves, so income compounds on top of price growth. 20,000 plus 300 a month at a 3.5% yield growing 5% with 4% price growth reaches about 257,000 in 20 years with dividends reinvested, against 153,000 plus 59,000 of income if taken; final-year dividends are about 9,800, a 10.7% yield on cost.
Open the calculatorFinal value and money lost under two fee levels, fees paid plus the compounding they forfeit, the share of your wealth consumed and the extra years of contributions the higher fee costs — any currency.
Fees are charged on the whole balance every year and the money taken stops compounding, so a 1.5% annual fee over 30 years consumes roughly 30% of the final pot and 2% around 40%. 50,000 plus 500 a month at 7% for 30 years ends at about 668,000 with 1.5% fees and a 3% entry load, versus 921,000 at 0.2% — a 253,000 gap.
Open the calculatorConvert a nominal APR to the effective APY or AER for monthly, daily, quarterly or continuous compounding, or back again, with the periodic rate, interest on a balance and every frequency compared.
APY (effective annual rate, AER in the UK) = (1 + APR ÷ n)^n − 1, where n is the number of compounding periods a year. 5% nominal compounded monthly is 5.116% APY, daily 5.127%, continuous 5.127%; a 5% APY needs a 4.889% nominal rate with monthly compounding. Credit-card APRs compound daily, so 24.99% APR is about 28.4% effective.
Open the calculatorYour emergency fund target from essential monthly expenses and months of cover, how much is already covered, the gap, time to reach it and the monthly saving needed to finish within a year.
An emergency fund should hold 3–6 months of essential expenses (rent, utilities, food, transport, insurance, minimum debt payments) — 9–12 months for single-income, self-employed or contract households. Essentials of 3,700 a month mean a 6-month target of 22,200; with 4,000 saved and 500 a month at 4%, it takes about 34 months to fill.
Open the calculatorNeeds, wants and savings amounts from your monthly take-home pay under the 50/30/20 rule or another split, compared with what you actually spend, with the adjustments needed and annual savings.
The 50/30/20 rule splits take-home pay into 50% needs (housing, utilities, groceries, transport, insurance, minimum debt payments), 30% wants and 20% savings and extra debt repayment. On 4,500 a month that is 2,250 / 1,350 / 900; in high-rent cities 60/20/20 is a common variant, and the savings line should never be zero.
Open the calculatorMonthly income a lump sum provides over a term, the lump sum needed for an income, or how long a sum lasts — with escalation, deferral, annuity rate, perpetuity income and rate sensitivity.
A fixed-term annuity pays the level (or escalating) amount whose present value at the rate equals the lump sum — the loan formula in reverse. 500,000 at 4.5% over 25 years provides about 2,754 a month level, or 2,248 rising 2% a year; a perpetuity that never touches capital pays 1,875 a month. Lifetime insurer annuities pay by age and health, roughly 5.5–7% a year at 65 in 2026.
Open the calculatorOverall and per-card credit utilisation, how it rates for your credit score, how much to pay before the statement date to reach 10% or 30%, the limit increase that would do the same and which card to tackle first.
Credit utilisation = card balances ÷ credit limits, overall and per card, as reported on each statement date. Under 30% avoids score penalties, under 10% is where the best scores sit, and any card above 90% hurts on its own. Balances of 3,300 on limits of 12,000 are 27.5%; paying 2,100 before the statements close brings it to 10%.
Open the calculatorHow much equity you can borrow at the lender's combined loan-to-value limit, the fixed home-equity-loan payment and total interest, and the HELOC interest-only payment and the jump after the draw period.
Available equity = home value × the lender's combined loan-to-value limit (usually 80–85%) − existing mortgage balance. A 450,000 home with 280,000 owed allows 80,000 at 80% CLTV; as a 15-year fixed loan at 8.5% that is 788 a month, or 567 a month interest-only as a HELOC during the draw period, rising to about 1,640 afterwards.
Open the calculatorNet cost of owning (mortgage, tax, maintenance, buying and selling costs, minus equity on sale) against renting (rent growth, minus returns on the invested deposit), year by year, with the break-even year.
Compare net costs over the years you will stay: owning = deposit, buying costs, mortgage, tax, maintenance and insurance minus the equity returned on sale after selling costs; renting = rent (rising yearly) minus the return earned on the deposit and monthly differences invested. Under about five years renting usually wins because buying and selling costs are not yet recovered.
Open the calculatorMonthly mortgage payment including principal, interest, property tax, insurance, PMI and HOA, total interest over the term, when PMI drops off, the effect of extra payments and the income needed — any currency.
A mortgage payment has four parts (PITI): principal and interest from the amortising formula, property tax, home insurance, and mortgage insurance when the down payment is under 20%. A 360,000 loan at 6.5% over 30 years is 2,275 for principal and interest; with 1.1% tax, 1,500 insurance and 0.6% PMI the full payment is about 2,947, and PMI ends once the balance reaches 80% of the price.
Open the calculatorCompare a 15-year and a 30-year mortgage: monthly payments, total interest, the balance left at year 15, what investing the payment difference would earn, and the cost of overpaying a 30-year instead.
A 15-year mortgage has a higher payment but far less interest: 360,000 at 5.9% over 15 years costs 3,018 a month and 183,000 interest, against 2,275 and 459,000 at 6.5% over 30 years. Investing the 743 difference at 6% grows to about 213,000 by year 15, less than the 261,000 still owed on the 30-year, so the 15-year wins unless returns are much higher.
Open the calculatorWork out whether buying discount points pays: cost of the points, monthly saving, simple and opportunity-cost break-even, net gain for the years you keep the loan and the return on the points.
One discount point costs 1% of the loan and lowers the rate by roughly 0.125–0.375 points. Break-even months = cost ÷ monthly saving: on 360,000, one point (3,600) that cuts 6.75% to 6.5% saves 59.50 a month and breaks even in about 61 months, so it only pays if you keep the loan more than five years.
Open the calculatorMaximum cash at the lender's LTV cap, the new payment, extra lifetime interest and the effective APR on the cash — compared with keeping your mortgage and taking a HELOC or home equity loan instead.
A cash-out refinance replaces the whole mortgage with a larger one, so the new rate applies to the old balance too. Taking 60,000 from a 280,000 loan at 5% by refinancing 347,000 at 6.5% adds about 260,000 of lifetime interest — an effective 8% APR on the cash — while a HELOC at 8.5% for the same cash costs about 46,000 and leaves the 5% mortgage untouched.
Open the calculatorThe home price your income supports under front-end and back-end debt ratios, with the payment breakdown, a comfortable and a stretch estimate, and the effect of a one-point rate change — any currency.
Lenders size a mortgage on two ratios: housing costs up to 28% of gross monthly income (front-end) and all debt payments up to 36% (back-end), with 43–50% allowed by some. The lower budget is converted to a price by solving the payment formula backwards and adding the down payment. A 110,000 income with 600 of monthly debt and 60,000 down supports about 365,000 at 6.5%.
Open the calculatorTotal cash needed for a home (deposit, closing costs, reserve), how long it takes to save with and without rising prices, the monthly saving for 2/3/5 years and the mortgage payment at 5%, 10% and 20% down.
Cash needed to buy = down payment + closing costs (2–5% US, ~6–7% UAE) + a reserve. For a 400,000 home at 20% down with 3% costs and a 10,000 reserve that is 102,000; saving 1,500 a month from 25,000 at 4% takes about 46 months, or 52 once prices rise 3% a year. Below 20% down, expect mortgage insurance.
Open the calculatorInterest and years saved by paying half the mortgage every two weeks, the extra-payment version, the free monthly equivalent (1/12 extra principal) and the effect of lender fees — any currency.
Paying half the monthly mortgage every two weeks makes 26 half-payments — 13 monthly payments a year — and the extra one goes to principal. On 300,000 at 6.5% over 30 years, bi-weekly payments of 948 clear the loan in about 24 years and save roughly 88,000 of interest; paying 1/12 extra principal each month achieves the same without any lender fee.
Open the calculatorConvert between hourly, daily, weekly, bi-weekly, monthly and annual pay for any hours per week and paid weeks, add overtime at 1.25×/1.5×/2×, with a quick-reference table — any currency.
Hourly = annual salary ÷ (hours per week × paid weeks): at 40 hours and 52 weeks, divide by 2,080, so 65,000 a year is 31.25 an hour and 25 an hour is 52,000 a year. Monthly = annual ÷ 12 (a month is 4.33 weeks, not 4). Overtime at 1.5× on 31.25 is 46.88 an hour.
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