Finance & Business Calculators

Interest, loans, savings, returns, VAT, margins and break-even points for personal and business money decisions.

Money questions usually come down to three things: how much, at what rate and for how long. The loan calculator turns an amount, a rate and a term into a monthly payment and total interest, while the compound interest calculator and the future value calculator show what savings grow into. The APY calculator makes quoted rates comparable.

For a business or a side income, the profit margin calculator, the markup calculator and the break-even calculator cover pricing, and the VAT calculator adds or removes sales tax. These are planning aids that use the numbers you enter; they are not financial, tax or legal advice, and real offers add fees and rules that a formula cannot see. Check the figures with your lender or an adviser.

Popular finance & business calculators

• Loan CalculatorMonthly payment and total interest for a loan.
• Compound Interest CalculatorHow savings grow with compounding and regular deposits.
• ROI CalculatorReturn on an investment, as a percentage and per year.
• VAT CalculatorAdd or remove VAT from a price at any rate.

All finance & business calculators

• Compound Interest CalculatorEnter a starting balance, an interest rate and a term to see how money grows when interest is added to the balance. Add regular deposits or withdrawals to model a savings plan.
• Discount CalculatorChoose whether to apply a discount to a price or to find the discount between two prices. Pick the type of offer, enter the prices and see what you pay, what you save and the discount as a percentage.
• VAT CalculatorPick whether you are adding VAT to a price or removing it, enter the amount and the VAT rate, and see the price and the tax portion at once.
• APY CalculatorEnter the stated interest rate and how often it compounds to get the annual percentage yield. Add a starting balance and a term to see the interest it earns.
• Break-Even CalculatorEnter your fixed costs, the cost of producing one more unit and the price you charge. The calculator tells you how many units and how much revenue you need before you stop losing money.
• CAGR CalculatorEnter the value an investment started at, the value it ended at and the number of periods in between. The calculator returns the steady yearly growth rate that links the two.
• Future Value CalculatorEnter a starting amount, how long it stays invested, an interest rate and how often it compounds. Add a regular deposit or withdrawal if you like, and see what the money grows to.
• Hourly to Salary CalculatorType in your hourly rate and your usual schedule. The calculator turns it into yearly, monthly, weekly and daily pay, taking unpaid holidays and vacation days off the total.
• Loan CalculatorEnter the amount you want to borrow, the term, the interest rate and how often you will pay. You get the size of each payment, the total you will repay and the interest you will pay.
• Margin CalculatorFill in your cost and one of revenue, profit or margin to see the other figures instantly. Margin is profit divided by revenue, so it always sits below the markup on the same sale.
• Markup CalculatorEnter your cost and fill in just one of profit, revenue or markup percentage. The calculator returns the missing figures, including the margin that matches your markup.
• Present Value CalculatorEnter a future amount, a discount rate and the number of periods. The calculator returns what that money is worth today and how much value discounting removes.
• ROI CalculatorEnter what you invested, what you got back and how many years it took. You get the dollar gain, the total ROI and the annualized ROI, which makes investments of different lengths comparable.
• Salary to Hourly CalculatorEnter what you earn, how often you are paid and how much time you really work, and the calculator returns the equivalent hourly, daily, weekly, monthly and yearly figures.