All calculators
Every tool runs privately in your browser — free, instant, and without an account.
Loans
Payments, total interest, prepayment savings and side-by-side loan comparisons.
LoansLoan Payment CalculatorWork out the periodic payment, total interest and total cost of an amortised loan, and see how extra payments change the picture.LoansTrue Cost of Car Ownership CalculatorSee what a car actually costs once depreciation, insurance, fuel, maintenance and interest are netted against what it is still worth — and what replacing it every few years costs over a lifetime.
Mortgages
Home loans, affordability, overpayments and rent-vs-buy decisions.
MortgagesMortgage CalculatorEstimate your mortgage payment, total interest, payoff date and full monthly housing cost — with taxes, insurance and fees kept clearly separate.MortgagesMortgage Affordability CalculatorEstimate a realistic home-price range from your income, debts and down payment — with a rate stress test, and clearly labelled planning assumptions.MortgagesMortgage Overpayment CalculatorSee how recurring or one-time overpayments could cut your mortgage interest and payoff time — under both treatments: shorten the term or reduce the payment.MortgagesReduce Payment vs Reduce Term CalculatorAfter a lump-sum prepayment, should you lower the monthly payment or keep it and finish sooner? Compare both outcomes side by side.MortgagesRent vs Buy CalculatorA serious rent-versus-buy comparison: transaction costs, maintenance, home-price growth, and the investment return on money you don't put into a house.MortgagesMortgage Comparison CalculatorCompare two or three mortgage offers over the horizon that matters to you — including fees, cashback and introductory rates, not just the headline rate.MortgagesDown Payment CalculatorPlan your deposit from either direction: what a given home price requires, or what your available cash supports — with closing costs and an emergency reserve included.MortgagesRefinance CalculatorEstimate whether refinancing recovers its costs: monthly change, true break-even month, and the full-term effect — including the trap of a lower payment from a longer term.
Savings
Savings goals, emergency funds, deposits and effective interest.
SavingsSavings Goal CalculatorWork out how much to save regularly, how long a goal will take, or what your plan will grow to — with inflation and fees handled honestly.SavingsEmergency Fund CalculatorEstimate a practical emergency-savings target from your essential expenses — with transparent adjustments for income stability and dependants.SavingsEmergency Fund Runway CalculatorEstimate how long your savings would last during an income interruption — with temporary income, spending cuts and one-time costs modelled month by month.SavingsCompound Interest CalculatorSee how an initial deposit and regular contributions grow with compound interest — and how much of the result is your money versus interest.SavingsDeposit Maturity CalculatorEstimate the maturity value of a one-time deposit — simple or compound interest, payout or reinvestment, fees and tax handled correctly.SavingsRecurring Deposit CalculatorEstimate the maturity value of regular fixed deposits — the Indian RD, a regular saver, or any scheduled savings plan.SavingsEffective Interest Rate & APY CalculatorConvert nominal rates to APY and back, and compare two deposit offers with compounding, fees and tax — because the advertised rate is not the whole story.SavingsInflation-Adjusted Savings CalculatorSee what your savings will really buy: nominal growth versus purchasing power, and the real return after inflation.SavingsSavings Scenario ComparisonCompare two or three savings plans side by side — different rates, contributions, fees or durations — on the same honest engine.
Salary & Tax
Salary breakdowns, GST/VAT and take-home pay frameworks.
Salary & TaxSalary CalculatorConvert a salary between hourly, daily, weekly, monthly and annual figures using your real working schedule — not a hard-coded 40-hour week.Salary & TaxSalary Breakdown CalculatorSee how gross salary becomes estimated take-home pay: income, pre-tax deductions, tax and post-tax deductions in one honest breakdown.Salary & TaxTake-Home Pay CalculatorEstimate your net take-home pay using verified, versioned tax rules for eight countries — with manual tax inputs everywhere else, never guessed.Salary & TaxSalary Comparison CalculatorCompare two or three job offers on what actually reaches you: net pay after tax, benefits, hours, leave and work-related costs.Salary & TaxPay Raise CalculatorSee what a raise is really worth: gross and estimated net increase, monthly impact, and purchasing power after inflation.Salary & TaxHourly to Annual Salary CalculatorTurn an hourly rate into weekly, monthly and annual income — with overtime, unpaid leave and irregular schedules handled properly.Salary & TaxFreelance Rate CalculatorWork out the hourly and daily rate a freelancer needs to match a target income — accounting for billable hours, business costs and a tax provision.Salary & TaxGST/VAT CalculatorAdd or remove GST/VAT, find the tax inside a price, handle discounts and quantities, and compare two rates — with exact reverse calculation.Salary & TaxEmployer Cost CalculatorEstimate the true annual cost of employing someone: salary, contributions, benefits, operating costs and one-time hiring costs.
Explore free calculators for loans, mortgages, savings, salary and tax decisions. Every tool explains its formula, assumptions and results, and each calculator ships only after its mathematics is documented and tested. See the methodology for how.