Financial calculators that show their work
Work out a loan payment, see how savings grow, plan a budget or price a product. Every calculator updates as you type, draws the result and gives you the full year-by-year table.
Monthly payment
- Principal$320,00035.8%
- Interest$408,14245.7%
- Taxes, insurance & fees$165,00018.5%
Loans & mortgages
Monthly payments, total interest, amortization schedules and how much you can borrow.
- Mortgage CalculatorMonthly payment with taxes and insurance, total interest and a yearly schedule.
- Loan CalculatorMonthly payment, total interest and effective APR for any installment loan.
- Auto Loan CalculatorCar payment after tax, down payment and trade-in, with total interest and total cost.
- Amortization CalculatorMonth-by-month schedule of principal, interest and balance for any fixed loan.
- Home Affordability CalculatorMaximum home price and loan from your income, debts, down payment and DTI limit.
- Loan Payoff CalculatorInterest saved and months cut by paying extra on a loan each month.
- Credit Card Payoff CalculatorMonths to pay off a card, total interest, and the payment needed to finish sooner.
- Debt-to-Income CalculatorYour monthly debt payments as a share of gross income, the ratio lenders check.
- Refinance CalculatorMonthly savings, break-even month and lifetime interest saved from refinancing.
- Interest-Only Mortgage CalculatorInterest-only payment, the payment after it ends and extra interest vs a regular loan.
- Down Payment CalculatorCash needed for a home purchase and the months it takes to save it.
- Rent vs Buy CalculatorNet worth after buying vs renting and investing, year by year.
- Mortgage Points CalculatorCost of discount points, monthly savings and break-even month.
- APR CalculatorTrue annual percentage rate of a loan once upfront fees are included.
- Debt Payoff CalculatorDebt-free date and interest for up to four debts, avalanche or snowball.
- Debt Consolidation CalculatorCompare your current debts with one consolidation loan: new payment and net savings.
- Car Lease CalculatorMonthly lease payment, money factor and total cost from price, residual and APR.
- Home Equity CalculatorYour equity, the amount you could borrow at your lender's LTV limit and the payment.
- Flat Rate Loan CalculatorFlat rate payment and its true effective rate versus a reducing balance loan.
- Loan Comparison CalculatorCompare two loans: payments, total interest, fees and which one is cheaper.
- Biweekly Mortgage CalculatorBiweekly payment, interest saved and months cut from your mortgage.
- Interest Rate CalculatorFind the APR hidden in a loan from its amount, monthly payment and term.
- Student Loan CalculatorMonthly payment, grace-period interest, total interest and payoff time for student loans.
- Credit Card Minimum Payment CalculatorHow long minimum payments take to clear a card, and the interest they cost.
- Balance Transfer CalculatorNet savings from a balance transfer after fees, plus payoff time in both cases.
Saving & investing
Compound growth, yields, returns and what inflation does to your money.
- Compound Interest CalculatorGrow a deposit with monthly contributions and see how much comes from interest.
- Simple Interest CalculatorInterest on the original amount only, with a year-by-year table and compounding comparison.
- Savings Goal CalculatorFind the monthly deposit that reaches your target by your deadline.
- APY CalculatorConvert a nominal rate to APY and compare compounding frequencies side by side.
- ROI CalculatorReturn on investment, gain or loss and annualized return in one step.
- CAGR CalculatorThe smoothed yearly growth rate between two values over any number of years.
- Stock Profit CalculatorNet profit, return and break-even price for a stock trade after fees and tax.
- Present Value CalculatorDiscount a future sum or yearly payments back to what they are worth today.
- Rule of 72 CalculatorYears to double or triple your money at a given annual return.
- Inflation CalculatorFuture cost of today's spending and the buying power your money loses to inflation.
- CD CalculatorInterest earned, maturity value and effective yield for a certificate of deposit.
- Annuity Payout CalculatorMonthly income a lump sum can pay over a set number of years.
- Dividend CalculatorProjected dividend income and portfolio value, with or without reinvestment.
- NPV CalculatorNet present value, IRR, discounted payback and profitability index from cash flows.
- IRR CalculatorInternal rate of return and MIRR from a list of yearly cash flows.
- Real Rate of Return CalculatorReal return after inflation and tax, with future and today's-money values.
- How Long Will My Money Last CalculatorHow many months your savings last at a given monthly withdrawal.
- Average Cost CalculatorAverage cost per share from up to four purchases, with profit or loss.
- Bond Yield CalculatorYield to maturity and current yield from price, coupon and maturity.
- Investment Fee CalculatorHow much annual fund or advisory fees reduce your final balance.
- Payback Period CalculatorYears to recover an investment, simple and discounted.
- Rental Yield CalculatorGross and net rental yield, cap rate, cash flow and cash-on-cash return.
- 52-Week Savings Challenge CalculatorWeek-by-week deposits and total saved for a 52-week or custom savings challenge.
Budget & retirement
Budgets, emergency funds, retirement and financial independence targets.
- Retirement CalculatorProject your nest egg, the monthly income it can pay, and what it is worth in today's money.
- FIRE CalculatorYour financial independence number and the years it takes to reach it.
- Emergency Fund CalculatorYour emergency fund target, the gap still to save and the months to close it.
- 50/30/20 Budget CalculatorSplit take-home pay into needs, wants and savings with the 50/30/20 rule.
- Hourly to Salary CalculatorConvert hourly pay to annual salary, or a salary to an hourly rate.
- Net Worth CalculatorTotal assets minus liabilities, with debt-to-asset ratio and liquid assets.
- Pay Raise CalculatorNew salary, monthly increase and the real raise after inflation.
- Overtime CalculatorWeekly and yearly pay with overtime at 1.5x, 2x or any multiplier.
- Rent Split CalculatorSplit rent equally or in proportion to income for up to four people.
- Fuel Cost CalculatorTrip fuel cost, litres needed, cost per km and cost per person.
- Subscription Cost CalculatorTotal monthly, yearly and multi-year cost of your subscriptions, plus the invested alternative.
Business & shopping
Margins, break-even points, discounts, sales tax and splitting the bill.
- Profit Margin CalculatorCalculate profit margin and markup from cost and price, with target-price table.
- Break-Even CalculatorFind the units and revenue needed to break even or hit a profit target.
- Discount CalculatorFinal price after one or two percent-off discounts and sales tax.
- Sales Tax & VAT CalculatorAdd or remove sales tax and VAT from any amount at any rate.
- Tip & Bill Split CalculatorTip amount, total and per-person share for any bill and tip percentage.
- Markup CalculatorSelling price, profit per unit and margin from a cost and a markup percentage.
- Commission CalculatorCommission, total pay and effective rate from sales, commission rate, base pay and quota.
- Depreciation CalculatorYearly depreciation schedule by straight-line, double declining balance or SYD.
- Freelance Rate CalculatorThe hourly and day rate a freelancer must charge to reach a target income.
- Unit Price CalculatorCompare two items by price per unit and see which is cheaper and by how much.
- ROAS CalculatorROAS, break-even ROAS and profit after ad spend from revenue, spend and margin.
- Customer Lifetime Value CalculatorCustomer lifetime value, LTV to CAC ratio and months to recover acquisition cost.
- Runway CalculatorCash runway in months, net burn and break-even timing with revenue growth.
How Numfino calculators work
Each calculator runs in your browser with standard formulas: level-payment amortization for loans, monthly compounding for savings, and plain arithmetic for margins and taxes. Nothing you type is sent to a server.
Results come with the formula, a worked example and the assumptions behind the numbers, so you can check the math yourself. The methodology page lists the conventions we use.
Estimates, not advice
A calculator is a fast way to compare options, not a loan offer or an investment recommendation. Lenders add fees, taxes and rules that differ by country, so confirm the final figures with your bank or a qualified adviser before you sign anything.