Financial calculators that show their work
Precise, beautiful, and free. Live charts, full schedules, PDF reports, the formulas behind every number — and a shareable link for every result. No sign-up required.
Mortgage (UK)
Monthly payment, total interest, and full amortisation schedule for UK repayment and interest-only mortgages.
Mortgage (US)
Monthly payment including property taxes and insurance (PITI), total interest, and amortization schedule.
Buy-to-Let (UK)
Gross and net rental yield, monthly cash flow, and the real post-tax profit after Section 24 mortgage interest restrictions.
Mortgage Overpayment
See how much interest and time monthly overpayments or a lump sum knock off your mortgage.
Remortgage (UK)
Compare a new mortgage deal against your current deal. Find monthly savings, net benefit over your deal term, and break-even periods after all fees.
Stamp Duty (UK)
SDLT, LBTT and LTT for 2026/27 — first-time buyer relief, additional dwellings surcharge, and non-UK resident surcharge for England, Scotland, and Wales.
Second Home Stamp Duty (UK)
The stamp duty surcharge on a second home, holiday home, or buy-to-let — 5% SDLT surcharge in England & N. Ireland, 6% LBTT in Scotland, 4% LTT in Wales for 2026/27.
Mortgage Affordability (UK)
How much can you borrow? Income multiples from 4× to 5.5×, monthly repayments at your chosen rate, and the PRA stress test at rate + 3%.
Rent vs. Buy
Compare the financial outcome of renting and investing cash versus buying a home and building equity.
Rent Affordability
Work out how much rent you can afford from gross income, take-home pay, debts, savings goals, utilities, and insurance.
HELOC
Estimate borrowing capacity and draw/repayment phase payments for a Home Equity Line of Credit.
Mortgage Refinance (US)
Calculate monthly savings, total interest reduced, and the break-even month for refinancing a US home loan.
Airbnb / Holiday Let (UK)
Estimate Airbnb and holiday-let income after platform fees, cleaning, and maintenance — plus the income tax due on the profit.
Mortgage Points (US)
Calculate the cost and break-even point of buying mortgage discount points to lower your interest rate.
Reverse Mortgage (US)
Estimate available proceeds from a HECM reverse mortgage based on home value, existing mortgage balance, and age, plus line-of-credit growth over time.
Compound Interest
See how savings and investments grow with monthly contributions, any compounding frequency, and a full year-by-year breakdown.
Savings Goal
Work out exactly how much to save each month to reach any target, with interest doing its share.
TFSA Room (CA)
Estimate Canadian TFSA contribution room, planned contribution impact, over-contribution risk, and next-January room.
CD Calculator (US)
Estimate certificate of deposit maturity value, effective APY, tax on interest, and early withdrawal penalty outcomes.
ISA (UK)
Project Stocks & Shares ISA, Cash ISA, or Lifetime ISA growth with a year-by-year breakdown — including the 25% LISA government bonus.
Bond Valuation
Calculate bond price or yield to maturity (YTM) based on coupon rate, frequency, and years to maturity, and see Macaulay duration, modified duration, convexity, and the full schedule of cash flows.
DRIP
Project stock portfolio growth and dividend income using dividend reinvestment and monthly cash additions.
ROI & CAGR
Calculate Return on Investment and Compound Annual Growth Rate, including annual income and expenses.
50/30/20 Budget
Plan your monthly take-home salary across Needs (50%), Wants (30%), and Savings/Debt (20%).
Break-Even
Determine the sales volume and revenue required to cover fixed and variable costs.
Equity Valuation
Value RSUs, NSOs, and ISOs based on vesting schedules, exit prices, exercise costs, and tax treatments.
Net Worth
Track cash, investments, properties, and debts to establish net worth and evaluate your expected wealth index.
How Rich Am I
Compare your income and net worth against local (US/UK) and global percentiles to see where you stand.
DCF Valuation
Estimate a stock's intrinsic value based on projected free cash flows, growth rates, WACC, and net debt.
Emergency Fund
Establish safety targets based on essential expenses, calculate cash runway, and track savings goals.
Business Valuation
Estimate the value of a business using Seller's Discretionary Earnings (SDE), EBITDA, or Revenue multiples.
Private School Fees
Project the total cost of private school fees over the years remaining, including fee inflation and VAT, and the monthly savings needed to cover any shortfall.
EBITDA
Calculate EBITDA from net income or operating income, see your EBITDA margin, and estimate enterprise value using an EV/EBITDA multiple.
HSA (US)
Project your Health Savings Account balance from contributions, employer contributions, and investment return, with the IRS limit and estimated tax savings.
529 Plan (US)
Project your 529 plan balance against the inflation-adjusted cost of college, and the extra monthly contribution needed to close any shortfall.
Loan Repayment
Monthly payments and total interest on personal and auto loans — and how much overpaying saves.
Auto Loan (US)
Calculate a car payment with vehicle price, sales tax, fees, rebates, trade-in equity, APR, and optional extra payments.
Credit Card Repayment
Your debt-free date, the interest cost, and how much a fixed payment saves over minimums — or set a payoff date and get the required amount.
PCP vs HP (UK)
Compare car finance side by side: monthly payments, total interest, the cost to own, and what handing the car back really costs.
Car Budget
Determine how much car you can afford based on income rules of thumb (like the 20/4/10 rule) or target monthly payments.
Debt Payoff
Compare snowball vs avalanche, see your debt-free date, and get the payoff order for every debt.
Student Loans (US)
Compare Standard, Extended, and SAVE income-driven repayment plans for US federal student loans.
Lease vs. Buy
Compare the total costs, depreciation, and residual value of leasing a vehicle versus buying with a loan.
DTI
Compute front-end and back-end debt-to-income ratios and evaluate loan qualification risk.
Student Loans (UK)
Calculate UK student loan monthly payments, interest charges, and write-off years for Plans 1, 2, 4, 5, and Postgraduate loans.
Degree vs Apprenticeship (UK)
Compare the lifetime financial outcome of going to university versus doing an apprenticeship in the UK, including tuition costs, student loan repayments, and break-even age.
Amortization
Build a full amortization schedule for any fixed-rate loan or mortgage, with calendar payment dates, total interest, and the effect of extra payments.
Debt Consolidation
Compare paying off multiple debts at their current minimum payments against rolling them into a single new consolidation loan.
Retirement & Pension
Project your pot at retirement, see it in today's money, and the monthly income it supports.
FIRE
Your FIRE number, the age you reach financial independence, and how far along you already are.
RMD (US)
Calculate your required minimum distribution from tax-deferred retirement accounts based on IRS tables.
Social Security (US)
Optimize your claiming age (62 vs FRA vs 70) and compare cumulative lifetime retirement benefits.
Backdoor Roth (US)
Estimate conversion taxes, taxable portions, and pro-rata rules for a backdoor Roth IRA conversion.
SIPP vs LISA (UK)
Compare a Self-Invested Personal Pension (SIPP) with a Lifetime ISA (LISA) for retirement savings.
401(k) (US)
Project your 401(k) balance at retirement from salary, contribution rate, employer match, and investment return, with the IRS contribution limit applied automatically.
Roth IRA (US)
Project your tax-free Roth IRA balance at retirement from annual contributions and investment return, with the IRS contribution limit applied automatically.
Pension (UK)
Project your UK workplace pension pot at retirement from salary, employee and employer contributions, and investment return — with tax relief and the 25% tax-free lump sum.
Annuity
Project an annuity's accumulation phase and calculate the level payment a lump sum supports during the payout phase.
Super Contributions (AU)
Estimate employer super, salary sacrifice, concessional cap room, contribution tax, take-home cost, and projected balance.
Take-Home Pay (UK)
Salary after income tax, National Insurance, student loan, and pension for 2026/27 — annual, monthly, weekly.
Take-Home Pay (US)
Salary after 2026 federal income tax, Social Security, Medicare, and 401(k) contributions.
Paycheck (US)
Estimate net pay per paycheck with federal income tax, FICA, W-4 credits and deductions, 401(k), health deductions, and state/local tax estimates.
Ltd Company vs PAYE (UK)
Single directors: compare salary + dividends against full PAYE salary, with corporation tax, dividend tax, and your effective rate on every pound of profit.
VAT (UK)
Add VAT to a net amount or remove it from a gross price — standard 20%, reduced 5%, zero rate, or any custom percentage.
Sole Trader (UK)
Income tax and Class 4 National Insurance on self-employed profit for 2026/27 — with personal allowance, pension relief, student loan, and band breakdown.
Capital Gains Tax (UK)
CGT on property sales, shares, and other assets for 2026/27 — £3,000 annual exempt amount, 18%/24% rates, and basic rate band calculation.
Inheritance Tax (UK)
Estimate IHT on an estate — nil-rate band, residence nil-rate band, spousal NRB transfer, business property relief under April 2026 rules, and charitable exemptions.
Estate Tax (US)
Estimate US federal estate tax — gross estate, liabilities, marital and charitable deductions, lifetime taxable gifts, and the unified credit.
Child Benefit & HICBC (UK)
Your Child Benefit entitlement and the High Income Child Benefit Charge — the hidden marginal tax rate between £60,000 and £80,000, and whether to keep claiming.
Care Assessment (UK)
Estimate your weekly contribution towards social care costs in BCP Council (or England), including at-home care, residential care, capital limits, and property disregards.
Salary Sacrifice (UK)
Calculate the take-home pay impact and pension growth of sacrificing salary, including tax, NI, and student loan savings.
UK Tax Exile
Model the annual tax saving from leaving the UK for a low-tax country — with destination presets, relocation costs, break-even analysis, and a 10-year wealth projection.
US Tax Exile
Model the FEIE (live abroad) and renunciation (exit tax) paths for US citizens seeking to reduce their worldwide tax liability.
Tax Destination Comparison
Compare up to 5 countries side-by-side on income tax, CGT, social security, wealth tax, and cost of living to find your best tax exile destination.
Redundancy Pay
Calculate UK statutory redundancy pay based on age and length of service, plus the tax treatment of any additional payment.
Sales Tax (US)
Add sales tax to a price or remove it from a tax-included total, using average combined state and local rates for all 50 states plus DC, or a custom rate.
Tax Refund (US)
Estimate whether you'll get a federal tax refund or owe money, based on your income, pre-tax deductions, withholding, and credits.
Estimated Tax (US)
Calculate self-employment tax, income tax, and the quarterly estimated payments needed to meet the IRS safe harbor.
Inflation
What today's money will cost in the future, what future money is worth today, and the purchasing power lost.
Currency Converter
Convert amounts instantly between 200+ global currencies using live, daily exchange rates sourced from 84 central banks.
Cost of Living
Compare weighted category expenses and determine equivalent gross salaries in a new location.
Impermanent Loss
Calculate potential losses from providing liquidity to automated market makers (AMMs) in DeFi.
Crypto DCA
Backtest a Dollar Cost Averaging strategy for cryptocurrencies to see historical performance.
Staking APY
Calculate crypto staking rewards factoring in compounding frequency, inflation, and future token prices.
Gas Fees
Convert network gas fees (like Gwei) into local fiat currency to find the real cost of a blockchain transaction.
Portfolio Rebalancing
Determine exact trade sizes needed to rebalance your crypto portfolio to its target allocation.
Mining Profitability
Calculate net profit from crypto mining considering hardware cost, hash rate, and electricity prices.
Crypto Tax
Estimate your capital gains tax bill on cryptocurrency trades based on holding periods and income brackets.
NFT Break-Even
Calculate the exact sale price needed to break even on an NFT after mint costs, gas fees, and royalties.
Tip Calculator
Easily calculate tips and split bills among friends. See exactly how much each person needs to pay.
MPG & Trip Cost
Calculate total trip cost, fuel consumption, and cost per mile or kilometer. Split costs between travelers and compare efficiency units.
BMI
Body Mass Index in metric or imperial, your WHO category on a visual scale, and the healthy range for your height.
Calorie Needs
BMR and daily calorie needs (Mifflin-St Jeor), with maintenance at every activity level and loss/gain targets.
Percentage
What is X% of Y, X is what percent of Y, and the percentage change between two numbers.
Age
Exact age in years, months, and days — plus total days lived and a countdown to your next birthday.
Days Between Dates
Days, weeks, months, and working days between two dates, or add days to find a deadline.
Printing Calculator
A classic adding machine with a digital paper tape. Keeps a running total and log of all additions, subtractions, and taxes.
Random Numbers
Generates true random numbers within defined bounds using an optional time seed to ensure randomness.
Baby Budget
Plan the cost of a new baby — one-off setup costs, ongoing monthly essentials and childcare, and any income reduction during parental leave.
Margin & Markup
Calculate profit margin and markup from cost and price, or solve for the price needed to hit a target margin or markup percentage.
Hourly to Salary
Convert a wage between hourly, daily, weekly, biweekly, monthly, and annual amounts, including optional overtime.
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