Financial Calculators
Free online financial calculators for loans, mortgages, compound interest, ROI, depreciation, and investment growth. Whether you are planning a home purchase, comparing loan options, or projecting retirement savings, these tools provide instant results with detailed breakdowns. All calculators work in your browser with no sign-up required.
Compound Interest Calculator
Calculate how your money grows over time with compound interest. Supports daily, monthly, quarterly, and yearly compounding with optional contributions.
Simple Interest Calculator
Calculate interest earned on a principal amount using the formula I = P x R x T. Shows yearly breakdown and total interest.
Loan Calculator
Calculate monthly loan payments, total interest, and view a full amortization schedule for any loan amount, rate, and term.
Mortgage Calculator
Calculate monthly mortgage payments including principal, interest, taxes, and insurance. View yearly amortization schedule.
Auto Loan Calculator
Calculate monthly car payments including sales tax, down payment, and trade-in value. Shows total cost of ownership.
Personal Loan Calculator
Calculate personal loan payments, total interest, payoff date, and full amortization schedule for any loan term.
EMI Calculator
Calculate Equated Monthly Installments for any loan type. Shows principal vs interest breakdown with yearly schedule.
ROI Calculator
Calculate Return on Investment, annualized ROI, and total gain or loss from initial investment and final value.
CAGR Calculator
Calculate Compound Annual Growth Rate from beginning value, ending value, and number of years. Shows total return and growth multiple.
Markup Calculator
Calculate markup percentage from cost and selling price, or find selling price from cost and desired markup percentage.
Margin Calculator
Calculate profit margin from cost and revenue. Includes margin vs markup comparison table and revenue finder tool.
Discount Calculator
Calculate sale price after discount or find discount percentage. Shows savings amount and visual price breakdown.
Break Even Calculator
Calculate break-even point in units and revenue. Shows contribution margin, CM ratio, and profit at various sales levels.
Depreciation Calculator
Calculate asset depreciation using Straight-Line, Declining Balance, Double Declining, or Sum-of-Years methods with full schedule.
Investment Calculator
Calculate investment growth with monthly contributions and compound interest. Yearly breakdown showing deposits vs interest earned.
Savings Calculator
Calculate savings growth with regular deposits and compound interest. Shows future value, total contributions, and interest earned.
Retirement Calculator
Estimate retirement savings, monthly income using the 4% rule, and inflation-adjusted value with year-by-year projections.
Tip Calculator
Calculate tip amount, total bill, and per-person share when splitting. Quick tip buttons and comparison table for different percentages.
Present Value Calculator
Calculate the present value of future money using a discount rate. Shows discount factor and total discount amount.
Future Value Calculator
Calculate future value with compound interest and optional regular payments. Shows growth factor and value composition.
APR Calculator
Calculate Annual Percentage Rate including fees and points. Compare true borrowing cost versus nominal interest rate.
Amortization Calculator
Generate a full amortization schedule. Compare with and without extra payments to see interest saved and months shortened.
How to Use Financial Calculators
Financial calculators simplify complex money math so you can make informed decisions. Start by identifying your goal: use the Loan Calculator or Mortgage Calculator to estimate monthly payments before borrowing, the Compound Interest Calculator to project investment growth, or the ROI Calculator to evaluate past performance. Enter your values (principal, rate, term, contributions) and get instant results with amortization schedules, growth charts, and detailed breakdowns. Compare scenarios by adjusting inputs to find the optimal strategy for your financial situation.
Financial Formulas and Methodology
Compound Interest: A = P(1 + r/n)^(nt)
Simple Interest: I = P x R x T
Monthly Payment (Amortization): M = P[r(1+r)^n] / [(1+r)^n - 1]
ROI = (Final Value - Initial Investment) / Initial Investment x 100
CAGR = (Ending Value / Beginning Value)^(1/n) - 1
Present Value: PV = FV / (1 + r)^n
These formulas form the foundation of personal finance and investment analysis. The compound interest formula shows exponential growth over time, while the amortization formula calculates fixed monthly payments that gradually shift from interest-heavy to principal-heavy. Understanding these relationships helps you compare loan offers, evaluate investments, and plan for long-term financial goals.
Example Calculation
Compound Interest Example:
Principal (P) = $10,000
Annual Rate (r) = 7%
Compounding (n) = 12 (monthly)
Time (t) = 10 years
A = 10000(1 + 0.07/12)^(12 x 10)
A = 10000(1.005833)^120
A = 10000 x 2.0097
A = $20,096.61
Total Interest Earned = $10,096.61
Your money doubled in 10 years at 7% compounded monthly.
Interest Rate Reference Table
| Principal | Rate | 10 Years | 20 Years | 30 Years |
|---|---|---|---|---|
| $10,000 | 3% | $13,439 | $18,061 | $24,273 |
| $10,000 | 5% | $16,289 | $26,533 | $43,219 |
| $10,000 | 7% | $19,672 | $38,697 | $76,123 |
| $10,000 | 8% | $21,589 | $46,610 | $100,627 |
| $10,000 | 10% | $25,937 | $67,275 | $174,494 |
| $25,000 | 5% | $40,722 | $66,332 | $108,049 |
| $25,000 | 7% | $49,178 | $96,742 | $190,306 |
| $50,000 | 5% | $81,445 | $132,665 | $216,097 |
| $50,000 | 7% | $98,358 | $193,484 | $380,613 |
| $100,000 | 5% | $162,889 | $265,330 | $432,194 |
Frequently Asked Questions
What is the difference between simple and compound interest?
Simple interest is calculated only on the original principal amount (I = P x R x T). Compound interest is calculated on the principal plus any previously earned interest, causing exponential growth. Over long periods, compound interest generates significantly more returns than simple interest at the same rate.
How does loan amortization work?
Loan amortization spreads repayment over fixed monthly payments. Each payment covers both interest and principal. Early payments are mostly interest, while later payments are mostly principal. The amortization formula ensures the loan is fully paid off by the end of the term with equal monthly payments throughout.
What is a good ROI for investments?
The S&P 500 has historically returned about 10% annually before inflation (roughly 7% after inflation). A good ROI depends on the investment type and risk level. Real estate typically targets 8-12%, bonds 3-5%, and venture capital expects 20%+ to compensate for high failure rates.
How much should I save for retirement?
A common guideline is to save 15% of gross income for retirement starting in your 20s. The 4% rule suggests you need 25 times your annual expenses saved to retire comfortably. For example, if you spend $50,000 per year, you would need $1.25 million in retirement savings.
What is APR vs interest rate?
The interest rate is the cost of borrowing the principal. APR (Annual Percentage Rate) includes the interest rate plus additional fees like origination fees, closing costs, and points, expressed as a yearly rate. APR gives a more complete picture of the true cost of a loan and is required by law for consumer lending disclosures.