Finance Calculators
Whether you're calculating compound interest on savings, working out your profit margin, or figuring out when an investment pays off — our free finance calculators give you the numbers you need to make better decisions.
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Savings & Interest
Compound interest, APY, savings goals, and CAGR
Profitability
Margin, markup, ROI, and break-even analysis
Currency & Inflation
Exchange rates, inflation adjustment, and purchasing power
Showing 51 of 51 calculators
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50/30/20 Budget Calculator
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Annuity Calculator
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Currency Converter
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Portfolio Allocation Calculator
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Retirement Calculator
Estimate retirement savings needs using current savings, contributions, expected return, inflation, and retirement timeline.
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APR Calculator
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APY Calculator
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Budget Calculator
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CAGR Calculator
Measure annualized compounded growth for an investment, asset, or business metric.
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Compound Interest Calculator
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Cost of Living Adjustment Calculator
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Credit Card Payoff Calculator
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Currency Exchange Calculator
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Debt Avalanche Calculator
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Debt Snowball Calculator
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Debt-to-Income Ratio Calculator
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Dividend Income Calculator
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Dollar Cost Averaging Calculator
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Emergency Fund Calculator
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Emergency Fund Months Calculator
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EPF Calculator
Estimate monthly EPF contributions, EPS split, and projected provident fund corpus.
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Exchange Fee Calculator
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FD Calculator
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Financial Independence Calculator
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FIRE Number Calculator
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Future Value Calculator
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Gratuity Calculator
Estimate statutory gratuity or end-of-service payout for India, the UAE, and Saudi Arabia.
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Inflation Calculator
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Inflation-Adjusted Return Calculator
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Interest Rate Converter
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Investment Return Calculator
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Lumpsum Calculator
Estimate the future value of a one-time investment using return and time assumptions.
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Monthly Expense Calculator
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Monthly Savings Calculator
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Mutual Fund Returns Calculator
Estimate mutual fund growth, invested capital, and projected gains over time.
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Net Worth Calculator
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Pension Calculator
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Personal Finance Health Score Calculator
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Present Value Calculator
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Purchasing Power Calculator
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RD Calculator
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Remittance Cost Calculator
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Retirement Savings Calculator
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Risk Tolerance Score Calculator
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Savings Goal Calculator
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Savings Rate Calculator
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Savings Withdrawal Calculator
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Simple Interest Calculator
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SWP Calculator
Estimate systematic withdrawals, remaining corpus, and portfolio longevity.
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Take-Home Pay Calculator
Estimate net salary after income tax, EPF, professional tax, and payroll deductions.
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Take-Home Pay Calculator
Estimate net salary after income tax, EPF, professional tax, and payroll deductions.
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Finance Glossary — Key Terms Explained
- Compound Interest
- Interest calculated on both the principal and previously accumulated interest. Contrasts with simple interest, which only applies to the original principal.
- ROI (Return on Investment)
- A percentage measure of the profit or loss from an investment relative to its cost. ROI = (Net Profit ÷ Cost of Investment) × 100.
- APY (Annual Percentage Yield)
- The real rate of return on savings, accounting for compound interest. Higher compounding frequency = higher APY vs stated APR.
- CAGR (Compound Annual Growth Rate)
- The rate at which an investment grows from start to end value over a period, assuming it grew at a steady rate each year.
- Break-Even Point
- The point at which total revenue equals total costs — neither profit nor loss. Formula: Fixed Costs ÷ (Price − Variable Cost per Unit).
Frequently Asked Questions
What is the compound interest formula?
A = P(1 + r/n)^(nt), where A is the final amount, P is the principal, r is the annual interest rate (decimal), n is the number of times interest compounds per year, and t is the number of years.
What is a good ROI?
It depends on the investment type and risk level. Stock market average is roughly 7–10% annually (inflation-adjusted). Real estate averages 8–12%. A business investment should ideally exceed the cost of capital. Any positive ROI is better than loss.
How do I calculate profit margin?
Gross profit margin = (Revenue − Cost of Goods Sold) ÷ Revenue × 100. Net profit margin also deducts operating expenses, taxes, and interest. A 10% net margin is considered good for most industries.
What is the difference between APR and APY?
APR (Annual Percentage Rate) is the simple annual interest rate without compounding. APY (Annual Percentage Yield) factors in compounding frequency and is always equal to or higher than APR. Use APY to compare savings accounts, APR to compare loan costs.