Finance Calculators
Finance calculators answer the questions that decide whether a plan is affordable: what a repayment costs each month, what a pot of money grows into, and what is left after tax. They suit anyone weighing up a purchase, a move or an investment before talking to a lender or an adviser. For borrowing, the Loan Calculator gives the monthly payment and total interest on a personal or car loan, while the Mortgage Calculator handles longer terms and lets you see how much a shift in rate changes the payment over twenty-five years. On the saving side, the Compound Interest Calculator shows what regular contributions turn into over time, and the Savings Calculator works backwards from a target so you know what to put aside each month to reach it. The ROI Calculator compares what an investment returned against what it cost, which is the quickest way to rank two options against each other. The Tax Calculator estimates what comes off an amount before it reaches you, and the Currency Converter puts a foreign price into familiar money. A common order is to convert or tax-adjust the figure first, then feed the realistic number into the loan or savings tool. Each one runs in your browser, with no account and nothing sent anywhere.
7 tools available
Showing 1–7 of 7
Currency Converter
Convert an amount between major world currencies and see the pair rate alongside common cross-rate comparisons.
Loan Calculator
Calculate a fixed-rate loan's monthly payment, total interest and first-year amortisation from amount, rate and term.
Compound Interest Calculator
Project investment growth from principal, rate and term, with regular contributions and your choice of compounding.
Savings Calculator
Project your savings balance, the time needed to hit a goal, or the monthly amount required to get there.
Mortgage Calculator
Work out the full monthly cost of a mortgage, including tax, insurance, PMI and HOA, with a year-by-year schedule.
ROI Calculator
Calculate ROI, net profit, annualised return and doubling time for an investment, or measure return on ad spend.
Tax Calculator
Estimate income tax, effective and marginal rates and take-home pay, or add and remove VAT, GST and sales tax.
How progressive brackets and VAT extraction are calculated
Any additional contributions you switch on are computed separately on their own thresholds. UK National Insurance Class 1, for example, applies 8 per cent between 12,570 and 50,270 and 2 per cent above that. Total tax is income tax plus those additions, and take-home pay = gross income - total tax.
Two rates are then reported. The effective rate is total tax / gross income x 100. The marginal rate is the rate applied to your last unit of income.
For VAT and sales tax: adding tax gives total = net x (1 + r), while extracting tax from an inclusive price gives net = gross / (1 + r), with the tax being the difference.
Worked example using custom brackets and a VAT price
Taxable income is 60,000 - 5,000 = 55,000. The first 10,000 is taxed at 0 per cent, giving nothing. The next 30,000, covering the band from 10,000 to 40,000, is taxed at 20 per cent, giving 6,000. The remaining 15,000 above 40,000 is taxed at 40 per cent, giving another 6,000. Total income tax is 12,000.
The effective rate is 12,000 / 60,000 x 100 = 20 per cent, even though the marginal rate is 40 per cent. Take-home pay is 48,000, which is 4,000 a month against a monthly gross of 5,000.
Now switch to the sales tax mode. A price of 250 that already includes 20 per cent VAT breaks down as 250 / 1.20 = 208.33 net, with 41.67 of VAT. Entering 208.33 as a pre-tax price and adding 20 per cent returns the same 250 total, confirming the two directions agree.
Reading the estimate and knowing its limits
Treat the figure as an estimate. Bracket thresholds, standard deductions and contribution rates change every tax year, and the calculator cannot know your full circumstances. It does not model state or provincial income tax, local taxes, tax credits, pension relief, student loan repayments, salary sacrifice arrangements, dividend or capital gains rates, or the many allowances that taper at higher incomes. In the United States in particular, state income tax can add several percentage points that are absent here.
Use it to sanity-check a payslip, compare two job offers, or see the effect of a salary change. For filing, a refund claim or any decision with money at stake, confirm the numbers against your tax authority or an accountant. Nothing here is tax advice.