Finance
Work out mortgages, loans, compound interest, sales tax and tips with free calculators that show every step of the maths and the formula behind it.
122 calculators
Loans & mortgages
Loan CalculatorRepayment amounts for any fixed-rate loan.Mortgage CalculatorMonthly repayments, total interest and a full amortisation schedule.Amortization CalculatorFull amortisation schedule with the interest each period.Auto Loan CalculatorMonthly car payments including tax, trade-in and fees.Boat Loan CalculatorMonthly repayments and total interest on a boat loan.Loan Repayment CalculatorHow long a loan takes to clear at a fixed monthly payment.Mortgage Payoff CalculatorHow much time and interest extra payments save.Rental Property CalculatorCash flow, cap rate and return on a rental property.Student Loan CalculatorRepayment terms and total interest on a student loan.Business Loan CalculatorMonthly payment and total interest on a business loan.Car Lease CalculatorMonthly lease payment from price, residual and money factor.Credit Card CalculatorCredit card payment, interest and time to pay off.Credit Card Interest CalculatorInterest charged on a card balance over a billing cycle.Credit Card Payoff CalculatorMonths to clear a card balance at a set monthly payment.Debt Consolidation CalculatorWhat consolidating debts saves in interest and months.Debt Payoff CalculatorPayoff date and interest for one debt or several.Debt-to-Income Ratio CalculatorDebt-to-income ratio from monthly debt and gross income.Down Payment CalculatorDown payment amount, and how long it takes to save.EMI CalculatorEquated monthly instalment on a loan, and total interest.FHA Loan CalculatorFHA loan payment including mortgage insurance premiums.HELOC CalculatorHome equity line of credit limits and draw payments.Interest Only Mortgage CalculatorInterest-only payment, and what it becomes afterwards.Lease CalculatorLease payments and total cost of leasing versus buying.Loan Interest CalculatorTotal interest on a loan from rate, term and amount.Loan Payment CalculatorMonthly payment on a loan, with an amortization table.Net Effective Rent CalculatorNet effective rent once free months and concessions apply.Payday Loan CalculatorPayday loan fees and the APR they work out to.Personal Loan CalculatorPersonal loan payment, interest and payoff schedule.Refinance CalculatorWhether refinancing saves money, and the break-even month.RV Loan CalculatorMonthly payment and interest on an RV loan.
Investing & returns
Compound Interest CalculatorSee how savings grow with compounding at any frequency.Future Value CalculatorFuture value of a present sum at a given rate.Present Value CalculatorPresent value of a future sum, discounted at a rate.Simple Interest CalculatorInterest earned on a principal without compounding.CAGR CalculatorCompound annual growth rate between two values.Investment CalculatorGrowth of regular contributions over time.Net Present Value CalculatorNPV of a series of cash flows at a discount rate.Payback Period CalculatorHow long until an investment pays for itself.ROI CalculatorReturn on investment, as a percentage and a multiple.Rule of 72 CalculatorYears to double your money at a given rate.Annualized Return CalculatorAnnualized return from a total return over a holding period.Bond Price CalculatorBond price from face value, coupon, yield and maturity.Bond Yield CalculatorYield to maturity and current yield from a bond's price.Cash on Cash Return CalculatorCash-on-cash return on a property from its yearly cash flow.Cross Price Elasticity CalculatorHow demand for one good responds to another's price.Future Value of Annuity CalculatorFuture value of a series of equal payments.Mutual Fund CalculatorMutual fund returns from NAV, fees and holding period.NPV CalculatorNet present value of a series of cash flows.Periodic Interest Rate CalculatorThe rate charged each period, from a nominal annual rate.Present Value of Annuity CalculatorPresent value of a stream of equal payments.PVIFA CalculatorPresent value interest factor of an annuity.Rate of Return CalculatorRate of return on an investment, simple or annualized.Return on Equity CalculatorReturn on equity from net income and shareholder equity.Return on Investment CalculatorReturn on investment as a percentage and a multiple.Stock Average CalculatorAverage share price and break-even after multiple buys.Time Value of Money CalculatorPresent and future value of a single lump sum.Yield to Maturity CalculatorYield to maturity of a bond held to redemption.
Business finance
Depreciation CalculatorStraight-line, declining balance and sum-of-years methods.Margin CalculatorGross margin, markup and profit from cost and revenue.IRR CalculatorInternal rate of return for a series of cash flows.Markup CalculatorSelling price from cost and markup percentage.Inflation CalculatorHow inflation changes the buying power of a sum.Profit CalculatorProfit, margin and break-even from cost and price.WACC CalculatorWeighted average cost of capital from debt and equity.Break-Even CalculatorUnits or revenue needed to cover fixed and variable costs.Budget CalculatorSplit income across expenses, savings and debt.Cap Rate CalculatorCapitalization rate from a property's income and value.Car Depreciation CalculatorA car's value year by year as it depreciates.Current Ratio CalculatorCurrent ratio from current assets and liabilities.Discounted Cash Flow CalculatorDiscounted cash flow and the value it implies.GDP CalculatorGross domestic product by expenditure or income approach.Gross Rent Multiplier CalculatorGross rent multiplier from a property's price and rent.LTV CalculatorLoan-to-value ratio from a loan and an appraised value.Net Operating Income CalculatorNet operating income from rent less operating expenses.Productivity CalculatorOutput per hour worked, for a person or a process.Revenue CalculatorRevenue from units sold and price per unit.Sales CalculatorRevenue, cost, margin and markup from a sale price.
Tax & salary
Salary to Hourly CalculatorHourly rate from an annual salary and hours worked.Time Card CalculatorWeekly hours and pay from clock-in and clock-out times.VAT CalculatorAdd or extract VAT at any rate, with gross and net totals.Hourly to Salary CalculatorAnnual salary from an hourly rate and hours per week.Sales Tax CalculatorAdd or remove sales tax from a price.Salary CalculatorConvert any of five pay periods into the other four.AGI CalculatorAdjusted gross income from your income and deductions.Annual Income CalculatorAnnual income from an hourly, daily, weekly or monthly rate.Biweekly Pay CalculatorWhat a biweekly paycheck adds up to over 26 or 27 pay dates.GST CalculatorGST on a price, added or removed, at any rate.MAGI CalculatorModified adjusted gross income from your tax return.Monthly Income CalculatorMonthly income from an annual salary or hourly wage.Overtime CalculatorOvertime hours and pay, at any rate multiplier.Pay Raise CalculatorNew pay after a raise, as an amount and a percentage.Salary Inflation CalculatorWhat a salary is worth after inflation, or needs to be.Time and a Half CalculatorOvertime pay at time and a half, plus double time.
Everyday money
Discount CalculatorTwo stacked discounts: the price you pay, and the combined rate.Tip CalculatorTip amount and per-person split for any bill.Currency CalculatorConvert between currencies at a rate you supply.Rent CalculatorRent you can afford from income, or rent as a share of it.Percent Off CalculatorOne discount: what comes off, and the share you still pay.Absence Percentage CalculatorAbsence rate as a share of total scheduled workdays.Appreciation CalculatorAppreciation of an asset over time, by rate and period.Interest CalculatorSimple or compound interest on a principal over time.Money CounterTotal value of a stack of bills and coins by denomination.Money Weight CalculatorHow much a sum of money weighs in each denomination.Net Worth CalculatorNet worth from what you own minus what you owe.PayPal Fee CalculatorPayPal fees on a payment, and what to charge to net it.Prorated Rent CalculatorRent owed for a partial month, by days occupied.
Interest rates
APR CalculatorAnnual percentage rate including fees and points.Effective Interest Rate CalculatorEffective annual rate for any compounding frequency.APY CalculatorAnnual percentage yield from a nominal rate.Interest Rate CalculatorThe rate implied by a loan's payments and term.Basis Point CalculatorConvert between basis points and percentages.EAR CalculatorEffective annual rate from a nominal rate and compounding.
Savings & retirement
CD CalculatorInterest and final balance on a certificate of deposit.Annuity Payout CalculatorPayout from an annuity given a balance and term.Annuity CalculatorPayment, present value or future value of an annuity.Savings CalculatorBalance growth from regular deposits and interest.401(k) Calculator401(k) balance at retirement, with employer match.IRA CalculatorIRA balance at retirement from contributions and growth.Retirement CalculatorHow long your savings last, or what you need to save.RMD CalculatorRequired minimum distribution from a retirement account.Roth IRA CalculatorRoth IRA growth and the tax-free income it produces.Savings Goal CalculatorMonthly saving needed to reach a target by a date.
Other categories
Every calculator on CalcMax, grouped by what you are trying to work out.
MathPercentages, fractions, geometry, algebra and number bases.PhysicsMotion, forces, electricity, thermodynamics and optics.Health & FitnessBMI, calories, body fat, heart rate and nutrition targets.StatisticsAverages, standard deviation, probability and grade curves.Date & TimeAge, date differences, durations, time zones and conversions.ConstructionConcrete, gravel, mulch, paint, tile and square footage.BiologyGenetics, populations, microbiology and animal dosing.SportsPace, splits, running and cycling performance metrics.ChemistryMolarity, dilutions, reactions and stoichiometry.Food & CookingRecipe scaling, baking ratios, cooking conversions.ElectronicsOhm's law, resistors, wire gauge, batteries and signals.AutomotiveFuel cost, gas mileage and trip planning.OtherBra sizing and random password generation.