Calculator Guides
Loan Payments Explained: Where Your Monthly Payment Goes
How a monthly loan payment is calculated, why early payments are mostly interest, and how a shorter term or an extra payment changes the total cost.
Try it: Loan Calculator
Calculators
These calculators cover the sums people actually need to work out: a loan or mortgage payment, what savings grow to, whether a price leaves a healthy margin, a BMI, a due date or a shared bill. Each one lets you change the assumptions, shows the working behind the answer, and runs in your browser.
Formulas tested against examples
The loan, mortgage, interest, SIP, FD, CAGR and retirement calculators are checked against worked reference examples, not against their own output.
Calculated in your browser
Your figures are worked out on your own device and are not sent to a server, so salaries, balances and loan offers stay private.
Free, no sign-up
Use every calculator as often as you like without creating an account or entering an email address.
Assumptions stated
The money calculators say what they assume, such as a fixed rate or one flat tax rate, so you know when a lender's quote may differ.
The tools most visitors start with, and what each one is for.
Monthly mortgage payment with taxes, insurance, PMI and extra payments.
Estimate your full monthly housing payment with property tax, insurance, PMI and extra payments, and see your payoff date.
Work out the monthly payment, total interest and payoff date of any loan, and see how extra payments cut the cost.
Work out the monthly payment, total interest and payoff date of a fixed-rate loan, and test how an extra payment shortens it.
See how savings and monthly deposits grow with compound interest, with a chart and a year-by-year table.
See how a starting balance and monthly deposits grow when interest earns interest, shown year by year with a chart.
Seven percentage calculations in one place, each with the working shown.
Solve seven common percentage questions, from a percent of a number to percentage change, with the working shown.
Monthly loan EMI with total interest and an instalment schedule.
Find the equated monthly instalment for a home, car or personal loan and see how much of what you pay is interest.
Check whether your savings will last through retirement, after inflation.
Check whether your savings can fund inflation-adjusted spending through retirement, and how much more to save to close a gap.
Future value of a monthly SIP with returns, a chart and optional yearly step-up.
Project what a fixed monthly investment could grow to, with an optional yearly step-up as your income rises.
Find profit, margin and markup, or the price you need to reach a target margin.
Turn revenue and cost into profit, margin and markup, or find the selling price that reaches a target margin.
Time and interest to pay off a card, by payment or target date.
Learn how long a card balance takes to clear, what it costs in interest, and what payment finishes it by a date.
Calculate your Body Mass Index (BMI) based on height and weight.
Check your Body Mass Index in metric or imperial units and see which standard category it falls into.
Short explainers that show how the maths or the file format works, and which tool to reach for next.
Calculator Guides
How a monthly loan payment is calculated, why early payments are mostly interest, and how a shorter term or an extra payment changes the total cost.
Try it: Loan Calculator
Calculator Guides
What is really inside a monthly mortgage payment, how the down payment and PMI interact, why 15 and 30 year loans differ so much, and how to budget for the full cost.
Try it: Mortgage Calculator
Calculator Guides
Compound interest explained step by step: the formula, why time matters more than the rate, how monthly deposits change the result, and how to test your own numbers.
Try it: Compound Interest Calculator
Calculator Guides
Work out your retirement number: spending in today's money, inflation, the 25x rule of thumb, how long to plan for, and how much extra to save if you are short.
Try it: Retirement Calculator
Calculator Guides
Margin and markup are not the same. Learn both formulas, how to convert between them, and how to set prices that really earn the profit you planned.
Try it: Profit Margin Calculator
Calculator Guides
See exactly how long a card balance takes to clear at different payments, compare the avalanche and snowball methods, and decide whether a balance transfer is worth it.
Try it: Credit Card Payoff Calculator
Look-up charts computed with the same formulas as the calculators above, tested against published values and available as CSV.
Each group explains what its tools are for, so you can find the right one without scrolling a long list.
For borrowing decisions: monthly payment, total interest, payoff date and the effect of paying extra. Covers general loans, home mortgages, EMI-style instalment loans, car finance, credit card balances and how much rent your income supports.
For growth over time: compound and simple interest, savings goals, monthly SIP investing, fixed deposits, annual growth rates, return on investment, retirement readiness and what inflation does to the buying power of money.
For sellers, freelancers and site owners: break-even volume, margin versus markup, discounts and stacked offers, sales tax, GST and VAT, pay-rate conversion, and ad revenue estimates for a website or YouTube channel.
Screening estimates for personal planning: BMI, body fat by the U.S. Navy method, daily calorie needs, calories burned during exercise, running pace and a pregnancy due date. They inform, but do not replace, advice from a professional.
For quick sums and schoolwork: percentages, exact age, the days between two dates, GPA, speed and distance, Ohm's law, reading time, plus a flashcard maker and a Pomodoro timer to organise study sessions.
For practical jobs around the house and on the road: how much paint, gravel or mulch to buy, what a trip will cost in fuel, and how to work out a tip and split the bill fairly.
Every rate, term, extra payment and inflation figure is an input you can edit, so you can compare scenarios side by side instead of reading a single fixed answer.
Loan, mortgage, car and card calculators show total interest and the payoff date, and what an extra monthly payment would save, because the monthly figure alone hides the true price of borrowing.
You set the currency symbol, rate and tax. EMI and FD calculators suit Indian banking, GST shows the CGST, SGST and IGST split, and sales tax and VAT work with any rate.
The business calculators separate margin from markup and show the sales volume needed to cover costs, which are the three sums most often mixed up when setting a price.
Health and income calculators name the method they use and explain where it falls short, for example that BMI cannot tell muscle from fat.
The money calculators use standard formulas: the annuity formula for loan, EMI, mortgage and car payments, compound-growth formulas for savings, SIP and fixed deposits, and month-by-month balances for credit card payoff. Automated tests compare them with worked reference examples calculated by hand or taken from published examples, rather than with the code's own results. The health calculators name their methods: the U.S. Navy circumference method for body fat, the Mifflin-St Jeor equation for calorie needs, and Naegele's rule for due dates. Date maths avoids time-zone shifts by treating dates as calendar days. Each page states its assumptions and limits.
The calculators assume a fixed rate, equal monthly payments and interest added monthly. Lenders may add fees, insurance or escrow, count days differently, or change the rate over time. Use the calculator to compare options and plan, and rely on the lender's official quote for the final figure.
Margin is profit divided by the selling price, and markup is profit divided by the cost. An item that costs 60 and sells for 100 has a 40 percent margin but a markup of about 66.7 percent. The Profit Margin Calculator shows both and can work backwards from a target.
An extra payment goes straight to the principal, so the balance falls faster, less interest builds up and the loan ends sooner. The size of the effect depends on your rate and term, so enter an extra amount in the Loan or Mortgage Calculator to see the months and interest saved for your own numbers.
No. BMI compares weight with height and cannot tell muscle from fat, and the body fat calculator uses the U.S. Navy tape-measure method, which can be off by several points if you measure loosely. Treat both as screening estimates and talk to a doctor about health decisions.
Simple interest is paid only on the original amount, while compound interest is also paid on interest already earned. The gap widens with time. The Simple Interest Calculator compares both year by year so you can see where the lines separate.
The tools cannot know future returns, and real markets move up and down and can fall. Run a low, a middle and a high case rather than one number, and treat the results as illustrations of a plan, not as forecasts or promises.
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