Financial Calculators
These calculators apply the standard time-value-of-money formulas used across consumer lending: a fixed monthly payment derived from a principal, a periodic rate and a number of periods, and future values built from compounded contributions.
They are estimates, not quotes. A real lender's figure differs because of fees, the exact day-count convention, insurance requirements, rate changes and rounding rules that vary by institution and by country. Amounts are shown in US dollars and the formulas follow US conventions.
Tools in Financial Calculators
Mortgage Calculator
Estimate monthly payments including property tax, insurance and HOA fees.
Loan Calculator
Estimate monthly payments for personal or business loans.
Auto Loan Calculator
Calculate car payments including trade-in value.
Interest Calculator
Project compound growth with optional monthly contributions.
Payment Calculator
Determine credit card payoff time and total interest.
Retirement Calculator
Plan your retirement savings and goals.
Amortization Calculator
Calculate the monthly payment and total interest on an amortising loan.
Investment Calculator
Calculate potential investment returns.
How these tools behave
- Interest is compounded monthly unless a calculator says otherwise.
- Figures are estimates for comparison and planning, not financial advice or an offer of credit.
Frequently asked questions
Why does my lender quote a different monthly payment?
Lenders add costs these calculators do not know about: origination and administration fees, mortgage insurance, escrowed taxes, and their own rounding and day-count conventions. Use these figures to compare scenarios, then confirm with the lender.
Can I change the currency?
Not currently. Amounts are labelled and formatted in US dollars. The arithmetic itself is currency-independent, so the figures hold for any currency as long as you read the symbol as your own.