Finance calculators
Loan, mortgage, paycheck, 401k, inflation, investment, and tax calculators
38 calculators · 7 guides
This is the largest group on the site because money questions are where an estimate changes a decision: whether a repayment fits your budget, what a rate difference is really worth over thirty years, how long a debt takes to clear, whether renting or buying comes out ahead over your actual time horizon.
Each tool shows the payment, the total interest and the schedule behind it, so you can see how much of an early payment is interest rather than principal. Where a calculator follows a particular country's tax or retirement rules it carries a region badge; the loan, savings and investment tools are jurisdiction-neutral arithmetic that works anywhere.
Start with these in Finance
Loan Repayment CalculatorCalculate monthly repayments, total interest and the full amortisation schedule for any personal, car or business loan.FinanceMortgage CalculatorEstimate your monthly mortgage repayment including principal, interest, rates and insurance, with the full amortisation schedule.FinanceRefinance Break-Even CalculatorWork out how many months it takes to recover the cost of refinancing a mortgage, and whether a lower rate over a longer term actually costs you more.FinanceCompound Interest CalculatorSee how savings grow with compound interest and regular contributions, at any compounding frequency, with the year-by-year breakdown.FinanceDebt Payoff CalculatorCompare the snowball and avalanche methods across up to three debts, with the payoff order, months to debt free, total interest and what your extra payment is really worth.FinanceEmergency Fund CalculatorCalculate your recommended emergency fund size based on expenses, dependents, and job stability.Finance
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Every Finance calculator
38 calculators
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- After-Tax Cost of Debt CalculatorApply the interest tax shield to a borrowing rate: after-tax cost of debt equals the interest rate multiplied by one minus the effective tax rate, with the dollar shield over the full term.
- APR to APY ConverterConvert a nominal annual rate into the effective annual yield for any compounding frequency, including continuous, so savings and loan quotes can be compared fairly.
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- Budget Planner CalculatorPlan a monthly household budget, see your surplus and savings rate, and measure your spending against the 50/30/20 guideline used by Australian financial counsellors.
- Business Loan CalculatorCalculate weekly, fortnightly or monthly repayments on a business term loan or interest-only facility, including establishment fees, the total interest cost and the principal left owing at the end.
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- Car Loan CalculatorCalculate monthly car repayments, total interest and the true cost of a vehicle after deposit and trade-in.
- Car Loan vs Lease CalculatorCompare buying a car on finance against leasing it on a cost-per-month basis, allowing for the deposit, a balloon payment, the lease upfront and what the car is still worth at the end.
- CD Ladder CalculatorModel a real CD or term deposit ladder where each rung has a different maturity and rolls into the longest term, against locking everything into one long deposit.
- Compound Interest CalculatorSee how savings grow with compound interest and regular contributions, at any compounding frequency, with the year-by-year breakdown.
- Credit Card Payoff CalculatorSee how long a credit card balance takes to clear, what it costs in interest, and how much faster paying extra gets you there.
- Currency ConverterConvert between eight major currencies using indicative mid-market rates, with the bank spread and card fees shown so you can see the real cost.
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- Debt Consolidation CalculatorCompare paying your existing card and loan balances off at your current payment against rolling them into one consolidation loan, including the fee, so you can see whether consolidating actually costs less.
- Debt Payoff CalculatorCompare the snowball and avalanche methods across up to three debts, with the payoff order, months to debt free, total interest and what your extra payment is really worth.
- Dividend Yield CalculatorCalculate dividend yield, annual income and the grossed-up value of Australian franked dividends, then apply your real marginal rate to find the cash refund or extra tax.
- DRIP CalculatorModel dividend reinvestment against taking the cash, tracking shares, share price and dividend per share separately so the compounding is not double counted.
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- Inflation CalculatorCalculate the impact of inflation on purchasing power over time.
- Investment Property CalculatorWork out gross and net rental yield, weekly cash flow after vacancy and management fees, the tax deduction from a rental loss and the real after-tax cost of holding an Australian investment property.
- Investment Return CalculatorCalculate total and annualised return on an investment including income, so holdings of different lengths can be compared fairly.
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- Marketplace Seller Fee and Profit CalculatorWork out what you actually keep after Etsy, eBay, Depop, Whatnot or Poshmark fees, payment processing, shipping and cost of goods, and find the sale price that breaks even.
- Mortgage CalculatorEstimate your monthly mortgage repayment including principal, interest, rates and insurance, with the full amortisation schedule.
- Mortgage Offset CalculatorSee how much interest an offset account saves, how many years earlier the loan clears, and what pre-tax savings rate you would need to beat it.
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- Pay-in-4 BNPL True Cost CalculatorWork out what a Buy Now Pay Later pay-in-4 plan really costs once late fees are added, and compare it against paying upfront or putting the same purchase on a credit card.
- Paycheck CalculatorEstimate your take-home pay after taxes and deductions from your gross paycheck.
- Payslip and Paystub Field EstimatorEstimate the gross, tax, superannuation and net figures on a single pay period using Australian resident rates or a flat United States withholding percentage.
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- Refinance Break-Even CalculatorWork out how many months it takes to recover the cost of refinancing a mortgage, and whether a lower rate over a longer term actually costs you more.
- Rent vs. Buy CalculatorCompare the total cost of renting versus buying a home over different time horizons.
- Retirement Savings CalculatorProject your retirement balance and test it against the income you want, using the 4% withdrawal rule.
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- Salary CalculatorConvert a wage between annual, monthly, fortnightly, weekly, daily and hourly rates, add the employer retirement contribution, and see the true hourly rate behind a salary.
- Salary Sacrifice CalculatorWork out the real tax saving from salary sacrificing into Australian superannuation using the 2026-27 brackets, the Medicare levy, the concessional cap, Division 293 and the HELP trap most calculators miss.
- Savings Goal CalculatorWork out how much to save each month to reach a target amount by a deadline, allowing for interest on what you have already saved.
- Simple Interest CalculatorCalculate interest earned or charged on a fixed principal without compounding, and compare it against the compound equivalent.
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- Tax Refund EstimatorEstimate a US federal refund or balance due for tax year 2026, comparing withholding against tax on taxable income, with head of household included.
- Tip Pool and Tip Split CalculatorSplit a shared tip pool across up to five staff by hours worked and role weight, after card processing and any kitchen tip-out, with the rate per weighted hour.
Guides for Finance
- 8 min readHow Loan Calculators WorkUnderstand the math behind loan calculations and how to use them to make better borrowing decisions.
- 10 min readUnderstanding Compound Interest: The Eighth Wonder of the WorldLearn how compound interest works, why Einstein allegedly called it the most powerful force in the universe, and how to harness it.
- 9 min readRetirement Planning Basics: Start Building Your Future TodayEssential concepts and strategies for planning a comfortable retirement, including the 4% rule, contribution strategies, and investment choices.
- 9 min readMortgage Amortisation: Where Your Repayment Actually GoesWhy early repayments are almost all interest, what an extra $100 a month is really worth, and how offset accounts and redraw change the maths.
- 9 min readInvestment Returns: Compounding, Diversification and the Fees That Eat ThemHow returns actually accumulate, why average returns mislead, and the small number of decisions that determine most long-term outcomes.
- 7 min readHow Income Tax Is Calculated: Brackets, Deductions and WithholdingThe mechanics behind any progressive income tax system. Marginal versus average rates, what a deduction is worth, and why refunds happen.
- 8 min readWhen Refinancing a Mortgage Actually Saves MoneyBreak-even maths, why a lower rate over a longer term can cost more, and the one move that captures the whole benefit of a rate cut.
Questions about finance calculators
- Why does my lender quote a slightly different repayment?
- Three reasons, in order of size. Lenders often charge interest daily and debit monthly rather than applying a clean monthly rate, so the cents differ. Fees such as monthly account keeping, lenders mortgage insurance or a package fee may be added to the repayment or capitalised into the loan. And a comparison rate bundles fees into a single figure that is not the rate used to calculate your payment. Use these tools to compare offers, then confirm the exact figure in writing.
- Should I look at the monthly payment or the total interest?
- Both, because they pull in opposite directions. A longer term lowers the payment and raises total interest, sometimes by more than the original loan. Decide affordability on the payment, then choose the shortest term you can service comfortably. The schedule table on each loan page shows where the crossover sits for your numbers.
- Do these calculators account for inflation?
- Only where the page says so. Loan and savings tools work in nominal dollars. The actual amounts that change hands. To think in today's purchasing power, run the result through the inflation calculator, or subtract your inflation assumption from the return rate before you enter it to get a real rather than nominal projection.
- Is a 0% interest rate handled properly?
- Yes. Interest-free promotional finance is a real and common case, and every amortisation tool here has an explicit zero-rate branch that divides the balance evenly across the term rather than producing an error. Extremely large terms are also capped so a shared link cannot hang the page.