Finance Calculators
Free tools for real financial decisions — check a mortgage payment, project savings growth, set a product margin, or find the break-even point before you commit. All calculators run instantly in your browser. For percentage-only calculations, see the percentage calculators.
Which calculator do you need?
Find the right tool based on your question.
Personal Finance
Mortgages, savings, salary, and loans — planning your own money.
- →
Mortgage Calculator
Monthly payment and total interest from home price, down payment, rate, and term.
- →
Savings Calculator
Future savings balance from initial deposit, monthly contributions, and interest rate.
- →
Salary to Hourly Calculator
Annual salary → hourly, daily, weekly, and monthly pay breakdown.
- →
Loan Payment Calculator
Monthly repayment and total interest for any fixed-rate loan.
- →
Compound Interest Calculator
Total amount and interest earned with monthly, quarterly, or annual compounding.
- →
Simple Interest Calculator
Simple interest earned or owed from principal, rate, and time.
Business & Pricing
Pricing, margins, tax, discounts — for products and services.
- →
Discount Calculator
Savings amount and final price from an original price and discount percentage.
- →
Markup Calculator
Selling price from cost and a target markup percentage.
- →
Profit Margin Calculator
Gross margin as a percentage from revenue and cost.
- →
Sales Tax Calculator
Add any tax rate to a price — works for US sales tax.
- →
VAT Calculator
Add or remove VAT at any rate, including UK 20%, 5%, and custom rates.
- →
Cost Reduction Calculator
Savings amount and percentage cost reduction between two costs.
- →
Weighted Average Calculator
Average for values that don't carry equal weight.
Investment & Analysis
ROI and break-even — measuring returns and viability.
Common questions
What's the difference between markup and profit margin?
Markup is based on cost — a 25% markup on an $80 item adds $20, selling for $100. Profit margin is based on revenue — that $20 profit on $100 revenue is a 20% margin. Same transaction, different denominators. Markup is always higher than the equivalent margin.
How do I find total interest paid on a loan?
Enter the principal, annual rate, and term into the loan payment calculator. It shows both the monthly repayment and total interest — for example, $10,000 at 6% over 60 months costs $1,600 in interest. The mortgage calculator does the same for home loans.
Can I use the ROI calculator for ad spend or projects?
Yes — the ROI calculator works for any investment with a measurable return. Enter what you spent and what you got back. It returns the percentage gain and net profit regardless of asset type — ad spend, equipment, a project, or a financial investment.
What is break-even point and how do I calculate it?
Break-even is the number of units you need to sell to cover your fixed costs. Formula: Fixed Costs ÷ (Selling Price − Variable Cost per Unit). For example: $5,000 fixed costs, $30 selling price, $10 variable cost → break-even at 250 units.
How is the discount calculator different from the percent off calculator?
The percent off calculator is designed for shoppers — enter a price tag and a discount label to find savings. The discount calculator is oriented towards businesses — it also shows the discount amount but is better suited for invoice discounts and trade pricing contexts.