Financial Planning

• Compound Interest CalculatorSee how a deposit and regular contributions grow when interest is compounded, with any compounding frequency, including continuous.
• Simple Interest CalculatorCalculate simple interest on a principal for years, months or days, including Actual/365 and Actual/360 day-count conventions.
• Mortgage Payment CalculatorEstimate your monthly mortgage payment including principal, interest, property tax, insurance, HOA fees and mortgage insurance.
• Mortgage Affordability CalculatorEstimate the maximum home price and loan you may qualify for using front-end and back-end debt-to-income ratio limits.
• Mortgage Amortization CalculatorView a mortgage amortization schedule by month and year, with the split between interest and principal and when half the loan is repaid.
• Loan Payment CalculatorCalculate the payment for any fixed-rate installment loan with monthly, biweekly, weekly or other payment frequencies.
• Personal Loan CalculatorEstimate personal loan payments and see how an origination fee changes the money you receive and the effective APR.
• Auto Loan CalculatorWork out a car loan payment including sales tax, fees, down payment and trade-in, plus total interest and total vehicle cost.
• Student Loan Repayment CalculatorEstimate student loan payments, including interest that accrues and is capitalized during a grace or deferment period.
• Loan Payoff CalculatorFind out how many months it will take to pay off a loan with a given monthly payment, and how much interest you will pay.
• Early Loan Repayment CalculatorSee how much interest a one-time prepayment saves and whether to keep your payment (finish early) or keep your term (pay less).
• Extra Payment Savings CalculatorCalculate how much interest and time you save by adding a fixed extra principal payment every month.
• Credit Card Payoff CalculatorFind how long a credit card takes to pay off with a fixed payment, or the payment needed to clear it by a target month.
• Credit Card Interest CalculatorCompute one billing cycle’s credit card interest using the average daily balance method, including purchases and payments.
• Debt-to-Income Ratio CalculatorCalculate your front-end and back-end debt-to-income (DTI) ratios, the figures lenders use to judge loan affordability.
• Debt Snowball CalculatorPlan a debt snowball: pay minimums on everything and put extra money on the smallest balance first, rolling payments forward as debts clear.
• Debt Avalanche CalculatorPlan a debt avalanche: pay minimums on everything and direct extra money to the highest-interest debt first to minimise total interest.
• Savings Goal CalculatorFind the monthly deposit needed to reach a savings goal by a target date, accounting for interest on existing and new savings.
• Emergency Fund CalculatorSize an emergency fund from your essential monthly expenses and see how long it will take to build with regular saving.
• Retirement Savings CalculatorProject retirement savings from current balance, monthly contributions, expected return, contribution increases and inflation.
• Retirement Withdrawal CalculatorEstimate how long retirement savings last with inflation-adjusted withdrawals, or the maximum withdrawal for a chosen number of years.
• Investment Return CalculatorCalculate the total return on an investment including dividends or interest received and fees paid, plus the annualized return.
• ROI CalculatorCalculate return on investment (ROI), net profit and money multiple, with an optional annualized ROI over a holding period.
• Annualized Return CalculatorTurn a series of yearly returns into the geometric (annualized) average return and compare it with the simple average.
• CAGR CalculatorCompute the compound annual growth rate (CAGR) between a beginning value and an ending value over any number of years.
• Net Present Value (NPV) CalculatorDiscount a series of future cash flows to find their net present value (NPV) and profitability index at your required rate.
• Internal Rate of Return (IRR) CalculatorFind the internal rate of return (IRR) of a cash-flow series, plus the modified IRR (MIRR) using your finance and reinvestment rates.
• Future Value CalculatorA time-value-of-money (TVM) calculator for future value from a present value, periodic payment, rate per period and number of periods.
• Present Value CalculatorFind what a future sum is worth today by discounting it at a chosen annual rate and compounding frequency.
• Annuity Payment CalculatorCalculate the regular payment a lump sum can provide over a fixed period at a given interest rate (a payout annuity).
• Annuity Present Value CalculatorFind the present value of a stream of level or growing payments, such as a pension, lease or lottery annuity.
• Dividend Yield CalculatorCalculate a stock’s dividend yield, annual dividend income and yield on your original cost from the dividend per payment.
• Stock Profit and Loss CalculatorWork out profit or loss on a stock trade after buy and sell commissions, the return on cost and your break-even sell price.
• Capital Gains Estimation CalculatorEstimate the capital gain and tax when selling an asset, using short- and long-term rates and an allowance that you set for your jurisdiction.
• Inflation Impact CalculatorSee how much something costing a given amount today will cost in the future at an assumed inflation rate, and how purchasing power falls.
• Purchasing Power CalculatorAdjust a sum of money between two periods using official price-index (CPI) values that you enter.
• Real Return CalculatorConvert a nominal return into a real, inflation-adjusted return with the exact Fisher equation, optionally after tax.
• Savings Interest CalculatorEstimate the interest a savings balance earns over a number of months from the account’s quoted APY.
• Fixed Deposit CalculatorCalculate fixed deposit (term deposit or CD) maturity value with quarterly or other compounding, or the interest paid out periodically.
• Monthly Contribution Investment CalculatorProject the value of a regular monthly investment (SIP) with an expected return and an optional yearly step-up in contributions.
• Dollar-Cost Averaging CalculatorFind the average cost per share when investing a fixed amount at different prices, and compare it with the simple average price.
• Break-Even Investment CalculatorSee the percentage gain needed to recover from an investment loss and how long recovery takes at an expected return.
• Bond Yield CalculatorCalculate a bond’s yield to maturity (YTM), current yield and effective annual yield from its price, coupon and maturity.
• Bond Price CalculatorPrice a bond from its coupon rate, yield to maturity and term, with Macaulay and modified duration.
• Effective Annual Rate CalculatorConvert a nominal annual interest rate into its effective annual rate (EAR) for any compounding frequency, including continuous.
• Nominal Interest Rate CalculatorConvert an effective annual rate into the equivalent nominal rate and periodic rate for a given compounding frequency.
• APR CalculatorCalculate the annual percentage rate (APR) of a loan including upfront fees, compared with the note rate.
• APY CalculatorCalculate annual percentage yield (APY) from a stated rate and compounding, or from the interest actually earned over a term.
• Rule of 72 CalculatorEstimate how long money takes to double with the Rule of 72, compared with the exact doubling time and the Rules of 70 and 69.3.
• Loan Comparison CalculatorCompare two loan offers side by side — monthly payment, interest, fees, APR and total cost — to see which is cheaper overall.

Financial results are estimates based on the inputs and assumptions shown. They are not financial advice; confirm figures with your lender, provider or a qualified adviser before making decisions.