Free Financial Calculators — Mortgage, Currency, VAT & More
Calculate mortgage payments and amortization schedules, convert currencies, compute VAT and sales tax, find discount savings, project compound interest growth, and estimate investment returns — all free, private, and in-browser.
All Finance Tools
Compound Interest Calculator
Calculate compound interest growth with charts.
FinanceInvestment Return Calculator
Calculate ROI and total returns on any investment.
FinanceCurrency Converter
Convert between 30+ world currencies with up-to-date rates.
FinanceVAT Calculator
Calculate VAT / sales tax — add or remove tax from any amount.
FinanceMortgage Calculator
Calculate monthly payments, total interest, and amortization schedule.
FinanceDiscount Calculator
Calculate sale price, savings amount, and discount percentage.
FinanceRetirement Calculator
Project your retirement savings and estimate your nest egg.
FinanceTax Bracket Calculator
Calculate your effective tax rate and tax owed by income bracket.
FinanceCredit Card Payoff Calculator
See how long to pay off your credit card and how much interest you'll pay.
FinanceInflation Calculator
Calculate the inflation-adjusted value of money over time.
FinanceROI Calculator
Calculate return on investment, net profit, and annualized ROI.
FinanceBreak-Even Calculator
Calculate the break-even point in units and revenue for your business.
FinanceNet Worth Calculator
Calculate your net worth by adding assets and subtracting liabilities.
FinanceDividend Calculator
Calculate dividend income, yield, and growth projections.
FinanceAbout Finance Tools
Financial planning shouldn't require expensive software or sharing your numbers with a third-party service. Our finance tools give you professional-grade calculations for everyday financial decisions, from monthly mortgage payments to long-term investment projections.
The Mortgage Calculator uses the standard amortization formula to compute your monthly principal and interest payment, total interest paid over the loan term, and a full month-by-month amortization schedule. It also supports extra monthly payments so you can see how overpaying reduces your loan term and total interest.
The Currency Converter provides fast conversion between 30+ world currencies including USD, EUR, GBP, JPY, INR, AUD, and more. The VAT Calculator lets you add or remove VAT/GST/sales tax at any rate, making it ideal for invoicing and shopping calculations.
The Compound Interest Calculator shows how investments grow over time with configurable compounding frequency (daily, monthly, quarterly, annually), while the Investment Return Calculator computes ROI, total return, and annualised return for any investment. The Discount Calculator quickly finds sale prices, savings amounts, and original prices from any percentage-off deal.
All financial inputs remain private in your browser. No data is shared with financial institutions, advertisers, or any third party.
Frequently Asked Questions
Are the financial calculations accurate?
Yes. All formulas follow standard financial conventions — the mortgage calculator uses the standard annuity amortization formula, compound interest uses the standard A = P(1 + r/n)^(nt) formula, and ROI is calculated as (gain − cost) / cost × 100.
Are the currency exchange rates live?
The Currency Converter fetches rates from a public exchange rate API. Rates are updated regularly and are indicative — for large transactions, always verify with your bank or broker.
Is the mortgage formula the same as what banks use?
The mortgage calculator uses the standard amortization formula used globally by banks and lenders for fixed-rate mortgages. Variable-rate and offset mortgage products require specialised calculations beyond this tool.
Can I print or save my calculation results?
Yes. You can use your browser's Print function (Ctrl+P / Cmd+P) to print any results page or save it as a PDF.
Are my financial details stored anywhere?
No. All inputs — including loan amounts, interest rates, and investment figures — are processed exclusively in your browser and never sent to any server.