Finance
Loan Calculator
Calculate the monthly payment (EMI), total interest and full amortization schedule for any fixed-rate loan.
EMI = P·r·(1 + r)ⁿ / ((1 + r)ⁿ − 1)
Also called emi calculator · loan emi calculator
Personal Finance · 20 calculators
Finance Calculators
Core money calculators: loans, mortgages, interest, investments, savings goals, inflation and net worth.
Finance
Loan Payment Calculator
Find the fixed monthly payment on a loan from the amount, APR and term — plus total cost of borrowing.
EMI = P·r·(1 + r)ⁿ / ((1 + r)ⁿ − 1)
Also called loan payment formula · monthly payment calculator
Finance
Mortgage Calculator
Full monthly mortgage cost including principal, interest, property tax, home insurance, PMI and HOA fees.
Monthly = P&I + tax/12 + insurance/12 + P…
Also called mortgage calculator with taxes and insurance · piti calculator
Finance
Mortgage Payment Calculator
Principal-and-interest mortgage payment from home price, down payment, rate and term, with a yearly amortization schedule.
EMI = P·r·(1 + r)ⁿ / ((1 + r)ⁿ − 1)
Also called mortgage payment formula · p&i payment
Finance
Simple Interest Calculator
Calculate simple interest (I = P × R × T) and the total amount, with time in years, months or days.
I = P × R × T / 100
Also called si calculator · simple interest formula
Finance
Compound Interest Calculator
See how money grows with compound interest — any compounding frequency, optional monthly deposits and a yearly breakdown.
A = P(1 + r/k)^(k·t)
Also called compound interest formula · compounding calculator
Finance
Investment Calculator
Project how an investment grows with a starting amount, monthly contributions and an expected return — with a yearly table.
FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (mo…
Also called investment growth · investment return calculator
Finance
Investment Return Calculator
Total return, annualized return and profit on an investment including dividends or income received.
Total return = (value + income − cost) / …
Also called return on investment · total return
Finance
CAGR Calculator
Compound annual growth rate (CAGR) between a beginning and ending value over any number of years.
CAGR = (End / Start)^(1/years) − 1
Also called compound annual growth rate · cagr formula
Finance
Savings Calculator
How much will your savings grow? Starting balance plus monthly deposits at a savings interest rate over time.
FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (mo…
Also called savings growth · savings account calculator
Finance
Savings Goal Calculator
How much to save each month to reach a goal by a target date, accounting for what you already have and interest earned.
PMT = (Goal − P(1 + r)ⁿ)·r / ((1 + r)ⁿ − …
Also called savings target · how much to save per month
Finance
Retirement Calculator
Will you have enough to retire? Projects savings to retirement, the nest egg you need and any monthly shortfall.
Need = income × (1 − (1 + r)⁻ⁿ)/r at reti…
Also called retirement planner · retirement savings calculator
Finance
Inflation Calculator
What will an amount be worth in the future (or have cost in the past) at a given average inflation rate?
Future cost = amount × (1 + inflation)ⁿ
Also called inflation adjusted value · value of money over time
Finance
Debt Payoff Calculator
How long until you are debt-free at your current payment, total interest, and the payment needed to be debt-free by a target date.
Months = −ln(1 − rB/P) / ln(1 + r)
Also called debt free calculator · pay off debt
Finance
Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income (DTI) ratios, the numbers lenders use to approve mortgages and loans.
DTI = monthly debt payments ÷ gross month…
Also called dti calculator · debt to income
Finance
Credit Card Payoff Calculator
Find how long it takes to pay off a credit card with a fixed payment, or the payment needed to clear it by a target date.
Monthly interest = balance × APR ÷ 12
Also called credit card payoff · pay off credit card
Finance
Net Worth Calculator
Add up what you own and what you owe to find your net worth and debt-to-asset ratio.
Net worth = total assets − total liabilit…
Also called net worth · assets minus liabilities
Finance
Future Value Calculator
Future value (FV) of a present sum and a series of periodic payments at a given rate — ordinary annuity or annuity due.
FV = PV(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r
Also called fv calculator · future value of annuity
Finance
Present Value Calculator
Present value (PV) of a future amount and of an annuity — what a future sum is worth today at a discount rate.
PV = FV / (1 + r)ⁿ + PMT·(1 − (1 + r)⁻ⁿ)/r
Also called pv calculator · discounted value
Finance
Rule of 72 Calculator
Estimate how many years it takes money to double at a given interest rate (or the rate needed to double in N years).
Years to double ≈ 72 ÷ annual rate (%)
Also called doubling time · rule of 72
Key finance formulas
| Loan | EMI = P·r·(1 + r)ⁿ / ((1 + r)ⁿ − 1) |
|---|---|
| Loan Payment | EMI = P·r·(1 + r)ⁿ / ((1 + r)ⁿ − 1) |
| Mortgage | Monthly = P&I + tax/12 + insurance/12 + PMI + HOA |
| Mortgage Payment | EMI = P·r·(1 + r)ⁿ / ((1 + r)ⁿ − 1) |
| Simple Interest | I = P × R × T / 100 · A = P + I |
| Compound Interest | A = P(1 + r/k)^(k·t) |
| Investment | FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (monthly periods) |
| Investment Return | Total return = (value + income − cost) / cost |
| CAGR | CAGR = (End / Start)^(1/years) − 1 |
| Savings | FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (monthly periods) |
Finance questions
How is the monthly payment calculated?
With the standard amortization (EMI) formula M = P·r·(1 + r)ⁿ / ((1 + r)ⁿ − 1), where P is the loan amount, r the monthly interest rate (annual rate ÷ 12) and n the number of monthly payments.
How is the monthly payment calculated?
With the standard amortization (EMI) formula M = P·r·(1 + r)ⁿ / ((1 + r)ⁿ − 1), where P is the loan amount, r the monthly interest rate (annual rate ÷ 12) and n the number of monthly payments.
How can I avoid PMI?
Put at least 20% down, or request cancellation once your loan balance falls to 80% of the home’s original value.
How is the monthly payment calculated?
With the standard amortization (EMI) formula M = P·r·(1 + r)ⁿ / ((1 + r)ⁿ − 1), where P is the loan amount, r the monthly interest rate (annual rate ÷ 12) and n the number of monthly payments.
What is the difference between simple and compound interest?
Simple interest is charged only on the original principal. Compound interest is also charged on interest already earned, so it grows faster over time.