Free online finance calculators — mortgage, loans, compound interest, percentages, and retirement savings. All calculations run instantly in your browser.
Calculate your monthly mortgage payment, total payment, and total interest. Enter the home price, down payment, interest rate, and loan term.
| Year | Principal Paid | Interest Paid | Balance |
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Calculate monthly repayments for any personal loan, auto loan, or student loan. Enter the loan amount, interest rate, and repayment term.
See how money grows with compound interest. Formula: A = P(1 + r/n)nt. Optionally add regular monthly contributions.
Quick percentage calculations — results update as you type, no button needed.
Estimate how much you'll have saved by retirement based on your current savings, monthly contributions, expected return, and inflation.
Monthly mortgage payment uses the formula: M = P × r(1+r)ⁿ / ((1+r)ⁿ − 1), where P is the loan principal (home price minus down payment), r is the monthly interest rate (annual rate ÷ 12), and n is the total number of payments (loan term in years × 12). All calculations happen in your browser — no data is sent to any server.
The mortgage calculator factors in a down payment and shows a year-by-year amortization schedule, making it ideal for home purchases. The loan calculator is more general-purpose — useful for auto loans, personal loans, or student loans — and accepts the term in either months or years.
Compound interest means you earn interest on your previously earned interest. For example, $10,000 at 7% compounded monthly grows to roughly $20,097 after 10 years — nearly double, with no extra contributions. The more frequently interest compounds (daily vs. annually), the faster it grows. The formula is A = P(1 + r/n)^(nt).
Use the Percentage tab for the four most common calculations: "What is 15% of 200?" (= 30), "40 is what percent of 200?" (= 20%), percentage change between two numbers, and adding or subtracting a percentage from a value. Results update as you type — no button click needed.
A widely cited guideline is to save 15% of your gross income for retirement, aiming to accumulate 25× your expected annual expenses (the "4% rule"). The Retirement Calculator estimates your projected savings at retirement and also shows the inflation-adjusted value so you can gauge real purchasing power.
A 15-year mortgage typically carries a lower interest rate and you pay far less total interest, but monthly payments are higher. A 30-year mortgage has lower monthly payments but you pay significantly more interest over the life of the loan. Use the Mortgage Calculator above to compare — switch the term and recalculate to see the exact difference.
Yes, completely free. All calculations happen in your browser using JavaScript — no account required, no personal data stored, no server calls. Results are for informational and educational purposes only and do not constitute financial advice.