Finance
Deposit, VAT, loan payment and inflation. Each formula stays on its own page.
Loans
Electric Bill Increase Calculator
Bill $120→$155 (~+$35): three-way split (days / usage / bill cost); optional share of income.
Use calculator →2027 ACA Subsidy Calculator
2027 ACA subsidy: family of 2, MAGI $45,000, Silver $550 ≈ $265/mo after PTC.
Use calculator →Auto Loan Calculator
Auto loan calculator: $25,000 − down − trade-in, 6.5%, 60 months → $391.32.
Use calculator →B2B Calculator
Self-employment: $8000 − $1500 at 22% → about $4252.61 left.
Use calculator →Side Hustle Calculator
Side hustle: 8 h, 2,000, 200 and 12% → 1,560 net. Not a tax return.
Use calculator →Amortization Calculator
Amortization: 300,000 at 6.5% for 25 years + 300/mo → 6y 5m sooner; interest −91,174.74.
Use calculator →APR calculator
Simplified APR: 10,000 + 1,200 cost / 12 mo. → 12.00%. Not a statutory disclosure.
Use calculator →Borrowing power calculator
DTI: income 8000 / debts 1500 / 40% → payment 1700, loan about 240528.
Use calculator →Cost of loan calculator
Simple interest: 5000 at 10% / 12 mo. → 500 interest, 5500 total. Not an amortizing payment.
Use calculator →Debt payoff calculator
Payoff: 3000 at 300/mo = 10 months; 12000 / 400 / 18% = 41 months. Single balance.
Use calculator →Decreasing instalment calculator
Declining: 200000 at 7.5% / 240 mo. → first 2083.33 (principal 833.33). Not an annuity.
Use calculator →Late Payment Interest Calculator
Late interest: 10,000 × 10% × 30/365 ≈ 82.19. Simple estimate, not legal advice.
Use calculator →Down payment (%) calculator
Down payment (%) calculator: the property value and the down payment in percent.
Use calculator →Debt-to-Income (DTI) Calculator
DTI calculator: 1,200 / 6,000 = 20%. Front-end vs back-end — educational, not lender scoring.
Use calculator →Equal Split Calculator
No-interest split: 12,000 / 12 = 1,000; 50,000 / 60 ≈ 833.33. Not a loan annuity.
Use calculator →Loan balance calculator
Balance: 100000 at 8% / 360, after N=60 → 95069.86. Payment 733.76. Snapshot after N, not the full table.
Use calculator →Loan Calculator
Loan calculator: 50,000 at 12% for 5 years → 1,112.22. Payment estimate, not a mortgage tool.
Use calculator →Loan margin calculator
Loan margin calculator: the loan amount, the reference rate, the margin, and the term in years.
Use calculator →Loan overpayment calculator
Overpayment: 200000 at 6% / 20 yr + 500/mo → about 93 fewer payments, about 61565 less interest.
Use calculator →LTV calculator
LTV calculator: the loan amount and the property value.
Use calculator →Mortgage calculator
Mortgage calculator: 400,000 at 7% for 25 years → 2,827.12 a month.
Use calculator →Simple margin × principal calculator
Simple margin × principal calculator: an amount and a margin in percent.
Use calculator →Total cost of loan calculator
All-in: 50000 at 11% / 5 yr + 1000 + 15/mo → payment 1087.12, all-in 67127.20.
Use calculator →Savings and deposits
Daily compounding calculator
Daily compounding: principal, an annual rate, and days.
Use calculator →CD calculator
CD: $10,000 at 5% / 12 mo. → $500 at maturity. Optional compounding and tax estimate.
Use calculator →Interest with compounding
Interest with compounding: principal, an annual rate, and months.
Use calculator →Nominal interest rate calculator
Nominal interest rate: a nominal rate and compounds per year.
Use calculator →Savings interest calculator
Savings interest calculator: There is no compounding and no tax; a term with months and withholding sits next door.
Use calculator →Tax
Sales Tax Calculator
Sales tax calculator: 100 at 6% in Florida is 6.00 tax and 106.00 total.
Use calculator →Belka Tax Calculator
Belka 19%: 1000 → tax 190, net 810. Deposit interest and 0% compare.
Use calculator →Disability pension contribution
Disability pension contribution: a base and a rate.
Use calculator →Income Tax Calculator
Polish PIT scale: 80,000 at 12%, threshold 120,000 → tax 9,600. Not a US 1040 filing.
Use calculator →Income tax advance
Income tax advance: income and a rate.
Use calculator →Inheritance Tax Calculator
500,000 × 7% → 35,000. No brackets, no nil-rate band.
Use calculator →Net to Gross Pay Calculator
5000 gross at 25% → take-home 3750. Flat percent — not full FICA/state.
Use calculator →Pension contribution
Pension contribution: a base and a rate.
Use calculator →Property tax calculator
Property tax: a value and a percent rate.
Use calculator →Sickness contribution
Sickness contribution: a base and a rate.
Use calculator →Social security contributions
Social security contributions: a base and a combined percent.
Use calculator →Tax on interest calculator
Tax on interest: a gain and a rate.
Use calculator →VAT Calculator
VAT / sales tax: 1000 net at 7% → tax 70, due 1070.
Use calculator →Budget and investments
Amount After Inflation Calculator
10,000 at 5% for 10 years → 6,139.13. Constant rate, not CPI.
Use calculator →Annual equivalent cost
Annual equivalent cost: a cost and years.
Use calculator →Bill Discount Calculator
10000 at 5% → 9500. No days, no 360 basis.
Use calculator →CAGR Calculator
CAGR calculator: 10,000 → 15,000 in 5 years ≈ 8.45%/yr. FV, years to goal, inflation.
Use calculator →Company value (simplified)
Company value (simplified): profit and a multiple.
Use calculator →Currency converter
Currency converter: 100 × 4.05 = 405.00 — you enter the rate; no live FX.
Use calculator →Dividend Yield Calculator
2 / 40 → 5. Bare number, no tax.
Use calculator →Emergency Fund Calculator
Emergency fund calculator: 15,000÷5,000=3 months. Goals 3/6/12, gap and contribution plan.
Use calculator →Fixed Asset Depreciation Calculator
Straight-line: 100,000 × 20% = 20,000 for one year. Not a class table or declining balance.
Use calculator →Future Value Calculator
FV: 10,000 at 6% for 10 years ≈ 17,908.48. With contributions, inflation, and a chart.
Use calculator →Home insurance calculator
Home insurance: a sum and a rate.
Use calculator →Monthly Budget Calculator
Monthly budget calculator: 7,500−5,800 → +1,700 (77.3% spent). 50/30/20 targets and savings rate.
Use calculator →IRR Calculator
IRR calculator: −10,000 and 3,000–4,500 → ≈17.09%. Cash flows and NPV at the required return.
Use calculator →NPV Calculator
NPV: 10,000 at 8% with inflows 3,000–4,500 ≈ 2,261.43. CF years, rate B, terminal value and PI.
Use calculator →Present value calculator
Present value (PV) calculator: It's a simplified model: fixed rate, optional fixed inflation, equal payments.
Use calculator →Inflation Calculator
Inflation calculator: 10000 at 5% for 10 years → purchasing power ≈ 6139.13. Flat rate, not CPI.
Use calculator →Rainy Day Fund Calculator
Rainy day fund: $19,000 at $3,000/mo = 6 full months and $1,000 left.
Use calculator →Rate of return calculator
The rate of return calculator computes total return from two values: a start and an end.
Use calculator →Real Rate of Return Calculator
8% and 3% → 4.85% by Fisher (n−i = 5%).
Use calculator →Rent per Square Meter Calculator
Rent / m²: 2,400 / 48 = 50. Compare listings by ratio, not a market valuation.
Use calculator →Income percentile calculator
Income percentile calculator: 55,000 USD a year and 80,000 USD net worth reads average locally, higher globally.
Use calculator →Other
Compound interest calculator
Compound interest calculator: 10,000 at 6% for 10 years ≈ 17,908.48.
Use calculator →Loan calculators
Loan calculators: This page does not calculate.
Use calculator →Tip Calculator
Tip calculator: 100 × 10% → tip 10, total 110. Split the bill; optional before-tax base.
Use calculator →Articles
Short guides for the formulas in this category. Each article leads to a calculator.