Finance

Calculate compound interest with monthly contributions and a year-by-year breakdown. See total interest earned and projected balance over any horizon.

Calculate the monthly payment (EMI), total amount paid and total interest on any fixed-rate loan — personal, car, student, or general purpose.

Project the future cost of an item and the lost buying power of money over time at any inflation rate. Common rate presets included.

Estimate the full monthly mortgage payment (principal, interest, tax, insurance, HOA), with a year-by-year or month-by-month amortization schedule and balance chart.

Project your retirement savings and the income they'll sustainably produce. Includes the 4% safe withdrawal rule and a chart of contributions vs. investment growth.

Calculate total ROI and annualised return (CAGR) for any investment given its initial value, final value and holding period. Handles gains and losses.

Two modes: how much to save monthly to reach a goal in N years, or how long it'll take given a fixed monthly contribution. Accounts for compound growth.

Calculate your FIRE number (25× expenses), years to reach it, and whether you've already hit Coast FIRE — enough invested today to coast to retirement without further saving.

Compare Snowball (smallest balance first) and Avalanche (highest APR first) payoff strategies across all your debts. See months to debt-free and total interest saved.

Two modes: how long to clear a balance at $X/month, or what monthly payment is needed to clear it in N months. Includes total interest paid.

Compare the true long-term cost of renting vs buying a home, including down payment, mortgage, tax, maintenance, appreciation, and the renter's investment opportunity cost.

Split your monthly income into a 50/30/20, 70/20/10 or 60/30/10 budget — or build a custom zero-based budget with your own categories. Live pie chart.

Add VAT or sales tax to a net amount, or split a tax-inclusive amount back into net and tax. Custom rate plus presets for common rates worldwide.