Financial Calculators

VAT Calculator

Advanced VAT/GST calculator with rates for 170+ countries, custom rates, reverse calculation, multiple items support, and comprehensive tax breakdown. Perfect for businesses and international commerce.

US Sales Tax Calculator

Advanced US sales tax calculator with rates for all 50 states, local taxes, special districts, nexus rules, and exemptions. Calculate taxes for multiple items, e-commerce, and interstate sales.

Mortgage Calculator

Advanced mortgage calculator with detailed amortization schedules, extra payment analysis, PMI calculations, tax benefits, and comprehensive loan analysis. Perfect for home buyers and refinancing decisions.

Loan Calculator

Advanced loan calculator for personal, auto, business, and student loans with amortization schedules, extra payments, and comprehensive analysis. Compare loan types and optimize payment strategies.

Compound Interest Calculator

Project savings with regular contributions across any compounding frequency, see the year by year split between what you paid in and what interest added, and what inflation leaves of it.

Home Affordability Calculator

Work out the house price your income actually supports, using the qualifying ratios lenders apply and counting tax, insurance and mortgage insurance inside the payment.

Down Payment Calculator

See what a given down payment costs each month, where the 20 percent threshold stops mortgage insurance, and how long saving the difference actually takes.

Mortgage Refinance Calculator

Work out whether refinancing pays, how many months it takes to recover the closing costs, and whether a lower payment is actually costing you more interest overall.

Mortgage Payoff Calculator

See how much time and interest an extra payment removes from your mortgage, including a lump sum and the real cost of the fortnightly payment trick.

Auto Loan Calculator

Work out a car loan payment with sales tax, trade in and fees included, see the total interest, and find the month you stop owing more than the car is worth.

Car Affordability Calculator

See what car the 20/4/10 guidance actually allows on your income, with running costs counted inside the budget rather than ignored.

Car Depreciation Calculator

Project what a car will be worth each year, with the steep first year modelled separately, and see how much of the price simply disappears.

Car Lease Calculator

Work out a lease payment from the money factor and residual value, and convert that money factor back into the interest rate it actually represents.

Debt Payoff Calculator

Run the avalanche and snowball strategies on the same debts and budget, and see exactly what choosing the motivating order costs you in interest.

Credit Card Payoff Calculator

See how long a card takes to clear on the shrinking minimum against a fixed amount, and why a percentage based minimum turns a small debt into a decades long one.

Debt to Income Calculator

Work out both debt to income ratios the way a lender does, see which band you fall into, and how much debt you would need to clear to reach the next one.

Emergency Fund Calculator

Work out how large an emergency fund should be for your circumstances rather than a generic three to six months, and how long building it takes.

Student Loan Calculator

Specialized education loan calculator with federal/private loan analysis, income-driven repayment plans, loan forgiveness scenarios, and student debt optimization strategies.

Personal Loan Calculator

Unsecured loan calculator with debt consolidation analysis, credit score impact modeling, rate comparisons, and personal financing optimization tools.

Auto Loan Calculator

Vehicle financing calculator with new/used car analysis, trade-in value modeling, dealer vs bank financing comparisons, and auto loan optimization.

Business Loan Calculator

Commercial financing calculator with SBA loan modeling, equipment financing analysis, working capital planning, and business debt strategies.

Interest Calculator

Advanced interest calculator for simple and compound interest with inflation adjustments, tax calculations, periodic contributions, and comprehensive investment analysis. Calculate savings growth, investment returns, and compare different compounding frequencies.

Debt Ratio Calculator

Calculate your debt-to-income ratio with detailed breakdown by debt categories. Features front-end/back-end ratios, visual indicators, recommendations, and export functionality.

Salary Calculator

Professional salary calculator with tax calculations, benefits analysis, overtime pay, bonuses, deductions, and comprehensive compensation breakdown. Calculate take-home pay, hourly rates, and annual salary conversions with detailed payroll analysis.

Inflation Calculator

Professional inflation calculator with historical inflation rates, purchasing power analysis, cost of living adjustments, and comprehensive economic impact assessment. Calculate real value, inflation-adjusted returns, and future cost projections with detailed analysis.

Currency Calculator

Professional currency converter with real-time exchange rates, historical data, currency trends, and comprehensive foreign exchange analysis. Convert between 170+ world currencies with live rates, cross-rate calculations, and detailed market insights.

Amortization Calculator

Professional amortization calculator with detailed payment schedules, extra payment analysis, refinancing scenarios, and comprehensive loan amortization tables. Calculate monthly payments, total interest, and optimize loan payoff strategies with advanced features.

Rent vs Buy Calculator

Professional rent vs buy calculator with comprehensive analysis, total cost of ownership, opportunity cost analysis, and detailed financial projections. Compare renting vs buying with tax benefits, appreciation, maintenance costs, and investment alternatives.

Lease Calculator

Professional vehicle lease calculator with comprehensive cost analysis, lease vs buy comparison, residual value calculations, and detailed payment breakdowns. Calculate monthly payments, total lease costs, and analyze lease deals with money factor, capitalized cost, and trade-in analysis.

APR Calculator

Calculate the true Annual Percentage Rate (APR) including all fees and costs. Features multiple calculation methods, fee analysis, payment schedules with charts, and comparison tools.

GPA Calculator

Advanced GPA calculator with cumulative GPA tracking, semester management, grade planning, and comprehensive academic performance analysis for students. Calculate GPA with multiple grading scales, prior GPA integration, and target GPA planning.

401k Calculator

Professional 401k retirement calculator with comprehensive analysis, employer matching, contribution limits, tax benefits, and detailed retirement projections. Calculate retirement savings, optimize contributions, and plan for financial independence with advanced 401k planning tools.

Marriage Tax Calculator

Professional marriage tax calculator analyzing tax implications, cost savings, living expenses, and financial benefits of marriage vs staying single. Compare married vs single filing status, shared expenses, healthcare costs, and comprehensive financial planning for couples.

Credit Card Calculator

Professional credit card payoff calculator with multiple card management, debt avalanche vs snowball strategies, balance transfer analysis, and comprehensive payment planning. Calculate payoff times, interest savings, and optimize your credit card debt elimination strategy.

Retirement Calculator

Professional retirement planning calculator with comprehensive analysis including 401k, IRA, Social Security optimization, withdrawal strategies, and inflation-adjusted projections. Plan your retirement savings, calculate required monthly contributions, and analyze multiple retirement scenarios.

Social Security Calculator

Professional Social Security benefits calculator with comprehensive analysis including optimal claiming strategies, spousal benefits, survivor benefits, and lifetime value optimization. Calculate your estimated benefits, compare claiming ages, and maximize your Social Security income.

IRA Calculator

Professional IRA calculator with Traditional vs Roth IRA comparison, contribution limits analysis, tax benefits optimization, and required minimum distribution planning. Calculate IRA growth, compare tax strategies, and maximize your retirement savings with detailed projections.

Estate Tax Calculator

Professional estate tax calculator with federal and state tax analysis, 2025 exemptions, gift tax integration, and wealth transfer optimization. Calculate estate taxes, explore tax-saving strategies, and plan efficient inheritance with advanced estate planning tools.

RMD Calculator

Professional Required Minimum Distribution calculator with comprehensive analysis including IRS life expectancy tables, multiple account management, tax planning strategies, and penalty avoidance. Calculate RMDs for Traditional IRAs, 401(k)s, and inherited accounts with detailed projections and optimization strategies.

Tax Return Calculator

Advanced federal and state tax return calculator with 2024 tax brackets, deductions, credits, filing status optimization, and comprehensive tax planning analysis. Calculate tax liability, refunds, effective tax rates, and optimize your tax strategy with professional-grade tools.