Mortgage Calculator
Monthly mortgage payment, total interest and amortisation summary.
Result
- Monthly payment
- 1,461.48
- Total paid
- 438,442.53
- Total interest
- 188,442.53
M = P × r(1+r)^n / ((1+r)^n − 1)
Finance calculators
Mortgage, loan, compound interest, tip, sales tax and ROI.
Compound Interest Calculator
Project savings growth with regular contributions and compounding interest.
Result
- Future value
- 142,334.9
- Total contributed
- 65,000
- Total interest
- 77,334.9
FV = P(1+r)^n + PMT × ((1+r)^n − 1)/r
EU VAT Cross-Border Calculator
Net/gross split, VAT amount and OSS reporting flag for a cross-border B2C sale inside the EU.
Result
- Net
- €100
- VAT
- €21
- Gross
- €121
- OSS reporting required?
- No — under threshold
Business Loan Amortization Calculator
Monthly payment, total interest and full amortization schedule for a business term loan.
Result
- Monthly payment
- $1,026
- Total repaid
- $61,550
- Total interest
- $11,550
- First payment: interest / principal
- $354 / $672
- Effective cost of debt
- 23.1%
Compound Interest & Wealth Projection Calculator
Project long-term wealth from a starting balance, recurring contributions and an annual return, with year-by-year compounding.
Result
- Future value
- $691,150
- Total contributed
- $190,000
- Interest earned
- $501,150
- Rule of 72 doubling time
- 10.29 years
- Monthly income at 4% withdrawal
- $2,304
Inflation-Adjusted Purchasing Power Calculator
See what a sum of money today will be worth in future purchasing power — and how much you'd need in the future to buy the same basket today.
Result
- Purchasing power in 20 years
- $55,368
- Amount needed to match today's basket
- $180,611
- Purchasing power lost
- $44,632 (44.63%)
- Half-life of purchasing power
- 23.45 years
Debt Avalanche vs Snowball Payoff Strategy Calculator
Compare Avalanche (highest APR first) vs Snowball (smallest balance first) payoff on up to five debts — see months saved and interest saved.
Result
- Total debt
- $20,000
- Avalanche payoff (highest APR first)
- 45 months
- Snowball payoff (smallest balance first)
- 46 months
- Interest saved with Avalanche
- $405
- Recommendation
- Snowball — pick whichever keeps you motivated
NPV & IRR Business Investment Calculator
Discount up to 6 years of projected cash flows to Net Present Value, and solve for the Internal Rate of Return of the investment.
Result
- Total undiscounted cash inflows
- $220,000
- NPV at 10.00% discount rate
- $52,757
- IRR
- 24.01%
- Payback period (simple)
- 3.4 years
- Profitability index (PI)
- 1.53
Stock/ETF Investment Expense Ratio Impact Calculator
See how much of your future wealth is eaten by ETF or mutual-fund expense ratios — compare a low-cost index fund against a higher-cost active fund side by side.
Result
- Fund A ending balance (0.04% ER)
- $774,247
- Fund B ending balance (1% ER)
- $642,887
- Extra wealth from lower-cost fund
- $131,359
- Lifetime cost of fees — Fund A
- $6,079
- Lifetime cost of fees — Fund B
- $137,439
- Effective fee drag on Fund B
- 16.83%
Small Business 12-Month Cash Flow Forecast
Simple rolling 12-month cash flow forecast: opening balance, monthly inflows, fixed costs, variable costs and growth rate — see when you run out of cash.
Result
- End-of-year cash balance
- $49,016
- Lowest projected balance
- $20,000
- 12-month total revenue
- $212,880
- 12-month total costs (incl. capex)
- $188,864
- Runway (if today's burn continues, no growth)
- 50 months
- First month cash goes negative
- Never (within 12 months)
Credit Score Improvement & Impact Simulator
Estimate how specific actions — paying down balances, closing cards, opening a new account, or adding a late payment — will move your FICO / VantageScore.
Result
- Current utilisation
- 30.00%
- New utilisation after action
- 15.00%
- Estimated score change
- +18 points
- Projected new score
- 698 (Good)
- Timeline
- 1–2 statement cycles
Retirement Nest Egg & Savings Gap Calculator
How big does your retirement portfolio need to be, and are you on track? Uses the 4% safe withdrawal rate and adjusts for inflation.
Result
- Nest egg target
- $1,500,000
- Projected balance at age 65
- $889,194
- Gap
- $610,806
- Required additional monthly contribution
- $734
- Sustainable annual withdrawal from projected balance
- $35,568
- FIRE number (25× target income)
- $1,500,000
Dividend Reinvestment (DRIP) Growth Calculator
Model long-term wealth growth from a dividend-paying stock or ETF with automatic dividend reinvestment, including dividend growth over time.
Result
- Final portfolio value
- $165,891
- Final share count
- 489.88 shares (started with 250.00)
- Total invested (initial + monthly)
- $25,000
- Total dividends reinvested (net of tax)
- $52,456
- Year 25 annual dividend income
- $6,308
- Yield on original cost
- 5.15%
Percentage Change Calculator
Calculate percentage increase, decrease, difference and reverse percentages.
Result
- Change
- 20
- Percentage change
- 25%
- Percentage difference
- 22.22%
Percentage change = (new − original) ÷ |original| × 100