CAGR & XIRR Calculator
Calculate the compound annual growth rate between two values, or the XIRR of dated cash flows with deposits and withdrawals at any time.
Finance Calculators
Free finance calculators for mortgages, loans, savings, retirement, tax and budgeting, with the formula, worked examples and checked tax rules.
Savings & investing
Compound interest, savings goals, deposits, inflation, CAGR and dollar-cost averaging, with year-by-year tables you can export.
Tax & salary
Income tax, take-home pay, VAT and self-employed tax from tax rules checked against official sources, plus a salary converter.
Salary Converter
Convert an hourly wage to yearly, monthly, weekly and daily pay, or a yearly salary to an hourly rate, based on your hours and weeks worked.
Budget & debt
Budgets, emergency funds, net worth and debt payoff plans, including avalanche versus snowball and credit card payoff.
Net Worth Calculator
Add up what you own and what you owe to find your net worth and debt-to-asset ratio, with a simple chart you can print or save as a link.
Tip Calculator
Calculate the tip and total on a bill, split it between any number of people, and optionally round the total up to a whole amount.
Discount Calculator
Calculate the sale price after one or two stacked discounts, how much you save, the real total discount and the price with sales tax added.
Business
Break-even, margins and markups, ROI, cash flow forecasts, invoices and currency conversion for small businesses.
ROI Calculator
Calculate return on investment from cost and final value, the profit, and the annualised ROI so investments held for different periods can be compared.
Break-Even Calculator
Find how many units you must sell to cover fixed costs, the break-even revenue, contribution margin and the sales needed to reach a profit target.
Margin & Markup Calculator
Convert between cost, selling price, profit margin and markup. Find the price for a target margin, or the margin and markup from cost and price.
Currency Converter
Convert an amount between currencies using the exchange rate you enter, see the inverse rate, and include a conversion fee to find the effective rate.
Invoice Generator
Create a simple invoice in your browser: seller and buyer details, line items with quantity, price and tax rate, totals, then print or save it as a PDF.
Cash Flow Forecast
Plan your cash for the next 12 months: add money in and out, monthly, quarterly or one-off, and see the monthly balance, closing cash and lowest point.
See the maths behind the money
Loan offers, savings accounts and tax bills are built on a handful of formulas: the annuity payment, compound interest, progressive tax brackets and the time value of money. Every finance tool here shows its formula and working, so you can check the result on paper or in a spreadsheet.
What our finance tools do and do not do
- They calculate, they do not recommend. The tools show what happens under the numbers you enter, not which product to choose.
- Default values are examples. Starting rates and amounts are illustrations, not market quotes. Replace them with the figures from your own offer.
- Tax rules are dated and sourced. Tax tools show which rule they use, when it was checked and a link to the official publisher. If a figure could not be verified, we leave it out rather than guess.
- Private. All calculations run in your browser. We do not store or see your figures.
A note on rounding
Lenders and tax authorities round according to their own rules, so small differences from a statement or payslip are normal.
Financial disclaimer
These calculators are educational and give estimates only. They are not financial, tax or legal advice. Confirm important figures with your lender, tax authority or a licensed adviser.