Savings growth
Compound Interest Calculator
Estimate annual principal-only compound growth, then check the formula notes.
Formula notesFinancial calculators with visible assumptions
Calcs.finance
Estimate savings growth, loan payments, mortgage costs, budgets, debt payoff, and retirement scenarios. Results are educational estimates, not financial, tax, legal, lending, investment, or regulated advice.
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Choose the calculator by the decision you are testing
Each calculator links to formula notes and related guides so you can see what the result includes, what it leaves out, and which assumption moved the estimate.
Loan payment
Loan Payment Calculator
Compare payment size, term, and total interest before relying on an offer.
Formula notesMortgage payment
Mortgage Payment Calculator
Estimate principal and interest while remembering taxes, insurance, and lender rules.
Formula notesBudget planning
Budget Calculator
Normalize monthly and yearly money numbers before comparing a plan.
Formula notesDebt payoff
Fixed Payment Credit Card Payoff Calculator
Test fixed-payment payoff timing and interest drag.
Formula notesRetirement estimate
Retirement Calculator
Explore long-term assumptions without treating the result as a forecast.
Formula notesFeatured calculator
Compound Interest Calculator
Estimate future value from principal, a fixed annual rate, and whole-year annual compounding.
Projected future value
$16,288.95
Working scenario
New scenario
Not saved yet
Yearly projection10 years
| Year | Projected value |
|---|---|
| 1 | $10,500.00 |
| 2 | $11,025.00 |
| 3 | $11,576.25 |
| 4 | $12,155.06 |
| 5 | $12,762.82 |
| 6 | $13,400.96 |
| 7 | $14,071.00 |
| 8 | $14,774.55 |
| 9 | $15,513.28 |
| 10 | $16,288.95 |
Calculator library
Choose a calculator
Pick a calculator, enter your numbers, and compare the result with clear assumptions.
Business
Business calculators
Depreciation Calculator
Estimate book-value depreciation using straight-line, declining-balance, or sum-of-years-digits methods.
Margin Calculator
Calculate profit margin, stock trading margin requirement, or currency exchange margin from clear business and trading inputs.
Commission Calculator
Calculate simple, base-plus-commission, and tiered commission payouts from sales, rates, and tier bands.
Debt
Debt calculators
Budget Calculator
Plan monthly cash flow from before-tax income, tax rate, and detailed household spending categories.
Credit Card Payment Plan Calculator
Compare fixed-payment, minimum-percent, and target-date plans for one credit card balance.
Debt-to-Income Ratio Calculator
Estimate housing-cost and total-debt ratios from before-tax income, housing obligations, and recurring monthly debt payments.
Fixed Payment Credit Card Payoff Calculator
Estimate payoff time, total paid, and interest for one card using one fixed monthly payment.
Debt Payoff Calculator
Plan a debt avalanche payoff schedule across multiple debts with optional monthly, yearly, and one-time extra payments.
Investment
Investment calculators
Compound Interest Calculator
Estimate future value from principal, a fixed annual rate, and whole-year annual compounding.
Simple Interest Calculator
Estimate interest earned and final value using simple (non-compounding) interest.
Interest Calculator
Estimate ending balance, contributions, interest, tax drag, and inflation-adjusted buying power.
CD Calculator
Estimate certificate of deposit maturity value, interest earned, and tax drag from deposit, rate, term, and compounding.
ROI Calculator
Estimate return on investment, gain or loss, and annualized return from investment amounts and time held.
Payback Period Calculator
Estimate simple and discounted payback periods for an investment with recurring annual cash flow.
Average Return Calculator
Estimate annualized return from account cash flows or from several holding-period returns.
Mutual Fund Calculator
Estimate mutual fund ending value, net return, investor IRR, and the drag from sales charges and operating expenses.
IRR Calculator
Estimate internal rate of return from fixed recurring cash flows or irregular annual project cash flows.
Bond Calculator
Estimate fixed-rate bond price, yield, coupon sensitivity, clean price, dirty price, and accrued interest.
Finance Calculator
Solve one time-value-of-money variable from periods, rate, present value, periodic payment, and future value.
Present Value Calculator
Discount a future lump sum or a stream of equal periodic deposits back to today's value.
Future Value Calculator
Project a starting amount and equal periodic deposits forward to a future value.
Investment Calculator
Solve an investment goal from starting amount, end amount, return rate, contribution amount, and investment length.
Loan
Loan calculators
Loan Payment Calculator
Estimate monthly payment, total paid, and total interest for an amortizing loan at a fixed rate.
Personal Loan Calculator
Estimate personal loan payments, total cost, payoff date, and effective APR after fees and monthly insurance.
Student Loan Calculator
Estimate student loan repayment, extra-payment payoff savings, or projected balance after school and grace period.
Business Loan Calculator
Estimate business loan repayment, total interest, fees, and the real APR after loan costs.
APR Calculator
Estimate annual percentage rate from loan amount, note rate, term, and finance charges.
Payment Calculator
Solve either the monthly payment for a fixed-term loan or the payoff time for a fixed monthly payment.
Amortization Calculator
Estimate a fixed loan payment schedule, payoff timing, first-month split, and interest saved from extra payments.
Interest Rate Calculator
Find the fixed annual interest rate implied by a loan amount, loan term, and monthly payment.
Auto Loan Calculator
Estimate monthly vehicle loan payments from price, down payment, trade-in value, rate, and term.
Boat Loan Calculator
Estimate boat loan payments or back-solve an affordable boat price while accounting for down payment, trade-in, tax, and fees.
Cash Back or Low Interest Calculator
Compare a vehicle rebate with higher-rate financing against a lower-rate financing offer without the rebate.
Auto Lease Calculator
Estimate an auto lease monthly payment from capitalized cost, residual value, money factor, term, down payment, trade-in, and sales tax.
Lease Calculator
Estimate a lease payment from asset value, residual value, term, and interest rate, or solve the effective rate implied by a quoted monthly lease payment.
Mortgage
Mortgage calculators
Mortgage Payment Calculator
Estimate principal-and-interest mortgage payments from home price, down payment, rate, and term.
Mortgage Payoff Calculator
Estimate how extra mortgage payments, annual lump sums, one-time prepayments, or biweekly-style repayment can shorten a payoff timeline and reduce interest.
Refinance Calculator
Compare an existing loan with a refinanced loan using the current balance, original loan details, new rate, new term, points, fees, and cash-out amount.
Rent vs. Buy Calculator
Compare the long-term financial cost of buying a home with renting by modeling mortgage payments, transaction costs, ownership costs, rent growth, taxes, appreciation, and investment opportunity cost.
Rent Calculator
Estimate an affordable monthly rent range from gross income and recurring monthly debt payments.
Down Payment Calculator
Estimate home price, cash needed, or down payment percentage from upfront cash, home price, closing costs, interest rate, and loan term.
Mortgage Calculator
Estimate a full monthly mortgage payment including principal, interest, tax, insurance, PMI, HOA, and other recurring costs.
House Affordability Calculator
Estimate an affordable home price from household income, debt payments, a fixed housing budget, mortgage terms, and recurring homeownership costs.
Retirement
Retirement calculators
Annuity Calculator
Estimate deferred annuity accumulation from starting principal, regular additions, growth rate, and contribution timing.
Annuity Payout Calculator
Estimate a fixed-length annuity payout amount or how long an annuity can last with a fixed payout.
Retirement Calculator
Estimate retirement savings needs, savings required, monthly withdrawal capacity, and how long savings may last.
401K Calculator
Project a 401(k) balance, estimate early withdrawal costs, and find the salary contribution needed to capture an employer match.
RMD Calculator
Estimate a required minimum distribution from a tax-deferred retirement account and project next year's RMD.
Savings
Savings calculators
Savings Calculator
Estimate savings growth from an initial deposit, growing contributions, interest, compounding, and tax drag.
Regular Savings Interest Calculator
Estimate gross savings growth from a starting balance, fixed monthly deposits, and an annual interest rate.
Shopping
Shopping calculators
Discount Calculator
Calculate sale price, amount saved, discount rate, or original price for percent-off and fixed-amount discounts.
Tax
Tax calculators
Sales Tax Calculator
Calculate before-tax price, sales tax rate, after-tax price, and tax amount from any two known values.
VAT Calculator
Calculate VAT-inclusive price, VAT-exclusive price, VAT rate, or tax amount from two known values.