Free money calculators that show their working
Quick answers to everyday money questions. Each calculator explains the formula behind the result, works in six currencies and needs no sign-up.
Saving and investing
- Compound Interest CalculatorSee how money grows when interest earns interest.
- Savings Goal CalculatorFind the monthly amount that gets you to a target.
- Time to Save CalculatorSee how long it takes to reach a savings target.
- Retirement CalculatorCheck whether your savings are on track for retirement.
- Emergency Fund CalculatorWork out how big your safety cushion should be.
- APY CalculatorConvert an interest rate into the yield you actually earn.
- Simple Interest CalculatorWork out interest that is charged on the principal only.
- ROI CalculatorMeasure the return on an investment, in total and per year.
- CAGR CalculatorFind the steady yearly growth rate between two values.
- Inflation CalculatorSee what rising prices do to money over time.
- Rule of 72 CalculatorEstimate how long money takes to double.
- Dividend CalculatorEstimate dividend income and the effect of reinvesting.
Financial independence
- FIRE CalculatorFind your FIRE number and when you could reach it.
- Coast FIRE CalculatorSee whether your investments can grow to retirement on their own.
- Barista FIRE CalculatorWork out when part-time work plus investments is enough.
- Lean FIRE CalculatorSee how much sooner a smaller budget gets you there.
- FIRE Calculator for CouplesPlan financial independence as a household of two.
- FIRE Calculator with PensionSee how a future pension brings early retirement closer.
- Retire by Age CalculatorFind the monthly investment that lets you retire at a chosen age.
- Savings Rate CalculatorFind your savings rate and what it means for retiring.
- How Long Will My Savings Last?Find out how long savings last when you draw on them.
Loans and debt
- Mortgage CalculatorEstimate a monthly home loan payment, tax and insurance included.
- Loan CalculatorFind a loan payment and what extra payments save you.
- Auto Loan CalculatorEstimate a monthly car payment and the full cost of the car.
- Credit Card Payoff CalculatorSee how long a card balance takes to clear and what it costs.
- Debt Snowball vs Avalanche CalculatorCompare two ways of paying off several debts.
- Debt-to-Income Ratio CalculatorCheck the share of your income that goes to debt.
Income and budgeting
- Salary CalculatorConvert pay between hourly, monthly and yearly.
- Pay Raise CalculatorSee your new salary after a percentage raise.
- Overtime CalculatorWork out overtime pay and your weekly total.
- Pro Rata Salary CalculatorConvert a full-time salary to part-time pay.
- Freelance Rate CalculatorFind the hourly rate that pays what you need.
- 50/30/20 Budget CalculatorSplit your income into needs, wants and savings.
- Rent-to-Income Ratio CalculatorCheck how much of your income goes on rent.
- Rent Split Calculator by IncomeSplit rent and bills in proportion to income.
Business and everyday
- Profit Margin CalculatorWork out margin and markup from cost and price.
- Break-Even CalculatorFind how many sales cover your costs.
- Discount CalculatorFind the sale price after a percentage off.
- Sales Tax and VAT CalculatorAdd tax to a price or take it out of a total.
- Tip CalculatorWork out a tip and split the bill.
- Cost Per Wear CalculatorFind out what something costs each time you use it.
How to use these calculators
Every calculator updates as you type, so you can change one number at a time and see what it does to the result. That is the quickest way to learn which inputs matter: a loan’s interest rate, for example, usually matters more than people expect, and compounding frequency matters less.
Below each calculator you will find a worked example, the formula it uses and answers to common questions. The numbers you enter stay in your browser and are never sent to us.
Results are estimates. Real products have fees, taxes and conditions that a general calculator cannot know about, so use the figures to compare options and to prepare questions for your bank or adviser.