36 financial calculators that just work.

By category

Every calculator

Loan & Debt

• Loan CalculatorMonthly payment plus the true APR once fees are counted.
• Mortgage CalculatorMonthly payment, total interest, and what overpaying would save you.
• Mortgage Recast CalculatorPay a lump sum, keep the same end date, and lower the monthly payment.
• Refinance CalculatorWhether switching your loan actually saves money once fees are paid.

Personal Finance

• Budget CalculatorWhere your money goes each month, and what is actually left.
• Inflation CalculatorWhat an amount of money is really worth after years of price rises.
• Salary CalculatorConvert between hourly, daily, weekly, monthly and annual pay.
• Savings Goal CalculatorWhat you need to put aside each month to hit a target by a date.

Investment

• Compound Interest CalculatorHow a balance grows when the growth itself starts earning.
• Dollar-Cost Averaging CalculatorWhat buying a fixed amount at regular intervals actually gets you.
• Investment Growth CalculatorWhat fees and inflation quietly take out of a long-run investment.
• Investment Returns CalculatorWhat return you actually got, once your own deposits are taken out of it.

Retirement & Pension

• Coast FIRE CalculatorThe point where you can stop saving and still retire on time.
• FIRE Number CalculatorThe portfolio size that would cover your spending, and how long to reach it.
• Retirement Savings CalculatorWhat your pension pot is on track to reach, and what it would pay you.
• Safe Withdrawal Rate CalculatorHow much you could draw each year, and how long the money would last.

Everyday

• Cost Per Unit CalculatorCompare three package sizes and see which is actually cheaper.
• Discount CalculatorSale price, money saved, and what stacked discounts really come to.
• Hourly Rate CalculatorWhat to charge as a freelancer once the unpaid parts are counted.
• Markup CalculatorTurn cost into price — and see the margin, which is not the same number.
• Percentage CalculatorAll four percentage questions, answered at once.
• Sales Commission CalculatorTotal earnings from base pay plus commission, including an accelerator.
• Sales Tax CalculatorAdd tax to a price, or pull it back out of one that already includes it.
• Split the Bill CalculatorTip, total and what each person owes — including uneven splits.

Germany

• Church Tax CalculatorWhat Kirchensteuer costs you, and what leaving would save.
• Company Car Tax CalculatorWhat a German Dienstwagen actually adds to your taxable pay.
• Elterngeld CalculatorWhat German parental allowance pays, and for how long.
• German Notice Period CalculatorHow much notice you or your employer must give, under §622 BGB.
• German Pension Points CalculatorHow many Entgeltpunkte a year of your salary earns, and what they are worth.
• German Social Contributions CalculatorWhat comes off your German gross pay for pension, health, care and unemployment.
• Holiday Entitlement CalculatorYour German holiday days when you join or leave part-way through the year.
• Minijob and Midijob CalculatorWhat you keep from a small German job, and where the earnings limits bite.
• Property Transfer Tax CalculatorGrunderwerbsteuer and the rest of the German buying costs, by Bundesland.
• Rent Increase CalculatorHow much your German landlord may raise the rent, and how often.

Business

• Break-Even CalculatorHow many units you must sell before the business starts making money.
• ROI CalculatorReturn on investment, plus the annualised figure that makes it comparable.