MONEY & FINANCE
Money & Finance Calculators
Most everyday money questions come down to a few calculations: what a sale really costs, what a loan will cost each month, how fast savings grow, and how long a goal will take. These free calculators answer each one in seconds and show the working behind the result, so you can check the maths instead of trusting a number.
Pick the tool that matches your question below. Every calculator runs in your browser, needs no sign-up, and lets you choose your own currency symbol.
Which calculator should I use?
How these calculators work
Each calculator uses a standard, openly stated formula and shows the steps under the result, so you can follow every figure. Nothing you enter is sent to a server. The currency menu changes only the symbol shown next to the numbers; it does not convert between currencies, so the tools suit any currency. Results are estimates for planning, because real prices, loans and accounts can include fees and rules these tools do not know about.
COMMON QUESTIONS
Do these calculators work with any currency?
Yes. They work with plain numbers and do not convert one currency into another. Use the Currency symbol menu on a calculator to show your own symbol, and the choice is remembered on that device.
Do the results include taxes and fees?
Only where a tool has a field for it. The Discount Calculator takes an optional sales tax. The loan and compound interest calculators show pure principal-and-interest maths with no fees, insurance or taxes, so treat them as close estimates.
What is the difference between simple and compound interest?
Simple interest is calculated only on the original amount. Compound interest is calculated on the original amount plus the interest already earned, so growth speeds up over time. The Compound Interest Calculator shows this with annual, quarterly, monthly or daily compounding.
How is a loan EMI worked out?
An EMI (equated monthly instalment) is the fixed payment that repays the loan over its term. The standard formula is EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where P is the loan amount, r is the monthly interest rate and n is the number of months. Early payments are mostly interest, and later ones are mostly principal.
Why does my bank's figure differ slightly from the calculator?
Lenders may use a different day-count convention, round differently, add processing fees or insurance to the payment, or use a rate that changes over time. This tool shows the standard principal-and-interest calculation, so ask your lender for the exact repayment schedule before you sign.
Does the Savings Goal Calculator include interest?
No. It assumes a simple monthly deposit with no interest. If your account earns interest, you will reach the goal a little sooner than the estimate. To see how a lump sum grows with interest, use the Compound Interest Calculator.
How does the Salary / Wage Converter treat working hours?
It assumes a standard working pattern of 8 hours a day, 40 hours a week and 52 weeks a year, which is 2,080 hours. The figures are gross pay before tax. Unpaid leave, overtime and bonuses will change the real total.
Is my data saved or sent anywhere?
No. The calculations run in your browser and nothing you enter is sent to a server.
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General information only — not financial advice. For decisions about loans, savings or investments, check the figures with your lender or a qualified adviser.
