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.
Finance terms worth getting right
A few of these calculations look similar but answer different questions. Getting them confused is the most common source of pricing and budgeting mistakes.
Markup vs. profit margin
Markup is measured against your cost; margin is measured against your selling price. A 50% markup is only a 33% margin. Use the markup calculator to set a price from cost, and the profit margin calculator to see what share of revenue you actually keep.
Simple vs. compound interest
Simple interest is charged only on the starting amount; compound interest is charged on the growing balance, so it accelerates over time. Short-term loans often use simple interest; savings and long-term growth use compound interest.
Return on investment vs. profit margin
ROI compares what you got back to what you spent (good for ad campaigns and projects); margin compares profit to revenue. The ROI calculator answers “was this worth it?”, while margin answers “how profitable is each sale?”.
Personal Finance
Mortgages, savings, salary, and loans — planning your own money.
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Mortgage Calculator
Monthly payment and total interest from home price, down payment, rate, and term.
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Savings Calculator
Future savings balance from initial deposit, monthly contributions, and interest rate.
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Salary to Hourly Calculator
Annual salary → hourly, daily, weekly, and monthly pay breakdown.
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Loan Payment Calculator
Monthly repayment and total interest for any fixed-rate loan.
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Compound Interest Calculator
Total amount and interest earned with monthly, quarterly, or annual compounding.
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Simple Interest Calculator
Simple interest earned or owed from principal, rate, and time.
Business & Pricing
Pricing, margins, tax, discounts — for products and services.
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Discount Calculator
Savings amount and final price from an original price and discount percentage.
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Markup Calculator
Selling price from cost and a target markup percentage.
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Profit Margin Calculator
Gross margin as a percentage from revenue and cost.
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Sales Tax Calculator
Add any tax rate to a price — works for US sales tax.
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VAT Calculator
Add or remove VAT at any rate, including UK 20%, 5%, and custom rates.
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Cost Reduction Calculator
Savings amount and percentage cost reduction between two costs.
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Weighted Average Calculator
Average for values that don't carry equal weight.
Investment & Analysis
ROI and break-even — measuring returns and viability.
Every finance calculator here shows the formula it uses and worked examples, and is checked by hand against known results. All tools are free, run in your browser, need no sign-up, and store none of the figures you enter. Learn how we build them on the about page.
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.
What's the difference between simple and compound interest?
Simple interest is charged only on the original amount — $1,000 at 5% earns $50 every year. Compound interest is charged on the balance including past interest, so it grows faster: $1,000 at 5% compounded annually earns $50 the first year, then $52.50 the next, and so on. Use the simple interest calculator for short-term or flat-rate figures, and the compound interest calculator for savings and long-term growth.
Is VAT the same as US sales tax?
They both add a percentage to a price, but they work differently. Sales tax is added once, at the final sale to the customer. VAT is collected at each stage of the supply chain, and businesses reclaim the VAT they pay. For UK and EU prices use the VAT calculator; for US prices use the sales tax calculator. The arithmetic of adding the rate is identical — the difference is who collects it and when.