Finance
Mortgage and loan payments, compound interest, sales tax, discounts, margins and returns, with every figure explained.
M = P · (r (1 + r)n)/((1 + r)n − 1)Mortgage CalculatorM = P · r/(1 − (1 + r)−n)Loan Payment CalculatorA = P (1 + r/n)n·tCompound Interest CalculatorI = P · r · tSimple Interest CalculatorPgross = Pnet · (1 + t)Sales Tax & VAT CalculatorPfinal = P · (1 − d)Discount Calculatorm = (price − cost)/priceProfit Margin & Markup CalculatorROI = (Vfinal − C)/CROI Calculator (Return on Investment)CAGR = (Vend/Vstart)1/t − 1CAGR Calculator (Annual Growth Rate)FV = PMT · ((1 + r)n − 1)/rSavings Calculator (Regular Deposits)Cfuture = Ctoday · (1 + π)tInflation CalculatorQ = F/(p − v)Break-Even Point CalculatorS = w · h · nHourly to Salary CalculatorP = (B · (1 + t))/nTip Calculator & Bill Splittery = D/PDividend Yield CalculatorN = E/wFIRE Number Calculator (4 % Rule)APY = (1 + r/n)n − 1APR to APY Calculator (Effective Annual Rate)PV = FV/((1 + r)t)Present Value CalculatorFV = PV · (1 + r)tFuture Value Calculator (Lump Sum)rreal = (1 + i)/(1 + π) − 1Real Rate of Return Calculator (Inflation-Adjusted)DTI = D/IDebt-to-Income Ratio Calculator (DTI)LTV = L/VLoan-to-Value Calculator (LTV)t = I0/CFPayback Period CalculatorC = S · rCommission Calculatort = (ln 2)/(ln(1 + r)) ≈ 72/(r %)Rule of 72 & Doubling Time Calculatorp = P/qUnit Price Calculator (Price per Unit)G = n · (Psell − Pbuy)Stock Profit CalculatorP = w · (h + m · o)Overtime Pay Calculatory = (12 · R)/PRental Yield CalculatorM = (P − D) · r/(1 − (1 + r)−n)Auto Loan Calculator (Car Payment)n = (−ln(1 − r·B / M))/(ln(1 + r))Credit Card Payoff CalculatorH = D + (q · I / 12)/(m(r, n))How Much House Can I Afford CalculatorM = P · r/(1 − (1 + r)−n)Amortization Calculator (Loan Schedule)n = months until balance = 0 with payment M + extraMortgage Payoff Calculator (Extra Payments)break-even = costs/(monthly savings)Refinance Calculator (Break-Even)A = P · (1 + APY)tCD Calculator (Certificate of Deposit)Bt+1 = Bt(1 + g) + S·(c + match)401(k) Calculator (with Employer Match)Goal = 25 × annual spending (4 % rule)Retirement Calculator (How Much Do I Need?)L − fees = M · (1 − (1 + APR/12)−n)/APR/12APR Calculator (Real Cost of a Loan with Fees)M = PV · r/(1 − (1 + r)−n)Annuity Payout CalculatorP = C · (1 + m)Markup CalculatorT = P · (1 + t)Sales Tax CalculatorR = (q · I)/12Rent Affordability Calculator (How Much Rent Can I Afford?)Snew = S · (1 + r)Pay Raise Calculatorneeds 50 % · wants 30 % · savings 20 %50/30/20 Budget CalculatorF = E · nEmergency Fund CalculatorNet worth = assets − liabilitiesNet Worth Calculatorpay minimums, put every extra on one debt, roll it overDebt Snowball & Avalanche CalculatorM = (L · i)/12Interest-Only Loan CalculatorB = L(1 + r)k − M ((1 + r)k − 1)/rBalloon Payment CalculatorEMI = P · (r (1 + r)n)/((1 + r)n − 1)EMI Calculator (Loan EMI)D = p · HDown Payment CalculatorP/E = P/EPSP/E Ratio CalculatorNPV = Σ CFt/((1 + r)t)NPV Calculator (Net Present Value)0 = Σ CFt/((1 + IRR)t)IRR Calculator (Internal Rate of Return)CPM = C/I · 1000CPM Calculator (Cost per 1,000 Impressions)V = P · (1 − d)tCar Depreciation CalculatorM = (C − R)/n + (C + R) · MFCar Lease Calculatorp = price/areaPrice per Square Foot CalculatorR = (I + X)/(h · w)Freelance Hourly Rate CalculatorA = P · (1 + r/365)dDaily Compound Interest CalculatorI = B · APR/365 · dCredit Card Interest Calculator70 % of the base (days 1–180) · 60 % after · min/max by IPREMSpain Unemployment Benefit Calculator (Paro) 2026unfair: 33 days/year (max 24 months) · objective: 20 days/year (max 12)Spain Severance Pay Calculator (Despido)days of the month + unused vacation + accrued extra paysSpain Final Pay Calculator (Finiquito)quota = base × 31.5 % · base chosen within the bracket of your net incomeSpain Self-Employed Contribution Calculator 2026 (Autónomos)gross = net × (1 + IGIC) · net = gross ÷ (1 + IGIC)IGIC Calculator (Canary Islands Tax)costs = price × (transfer tax + notary 1.5 % + land registry 0.5 % + agent)Germany Property Transfer Tax & Closing Costs Calculatorrent × days ÷ days in monthProrated Rent Calculator (Move-In or Move-Out)tax = 20 % × (prize − €40,000), in proportion to your shareSpanish Christmas Lottery Tax Calculator 2026aguinaldo = daily wage × 15 × days worked ÷ 365 · tax-free up to 30 UMAMexico Christmas Bonus Calculator (Aguinaldo) 2026SAC = best monthly salary of the half-year ÷ 2 × days worked ÷ days in the half-yearArgentina Aguinaldo (SAC) Calculatornet = gross extra pay × (1 − income-tax withholding %)Spain Christmas Extra Pay Calculator (Net)net = bonus − 22 % federal − 7.65 % FICA − state taxBonus Tax Calculator (Federal 22 % Flat Rate)final = price × (1 − d₁) × (1 − d₂) − coupon + shippingBlack Friday Discount Calculator (Stacked Discounts)net = bonus − ΔLohnsteuer − ΔSoli − Δchurch tax − social securityGermany Christmas Bonus Net Calculator 2026premium = daily wage × vacation days × 25 % · tax-free up to 15 UMAMexico Vacation Premium Calculator 2026 (Prima Vacacional)final pay = pending wages + prop. vacation + 25 % premium + prop. aguinaldo · dismissal: + 90 days + 12 days/yearMexico Severance Pay Calculator 2026 (Finiquito, Liquidación)total = people × gift + guests × cost per guest + other · weekly saving = total ÷ weeks leftChristmas Budget Calculator