Finance calculators
Explore payments, yields and growth with explicit financial assumptions.
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Pick the task that matches the answer you need.
Bond Yield Calculator
Compare a bond's current yield with a calculated nominal yield to maturity.
FinanceCompound Interest Calculator
Estimate growth when interest is added to the balance repeatedly.
FinanceSimple Interest Calculator
Calculate fixed-principal interest and a final amount over a chosen term.
FinanceLoan Payment Calculator
Estimate a fixed monthly payment and total interest on a loan.
FinanceMortgage Calculator
Estimate a monthly home budget with loan payment, tax, insurance, HOA and entered mortgage insurance.
FinanceAmortization Calculator
Follow each monthly principal and interest payment through loan payoff.
FinanceCAGR Calculator
Turn a start-to-end change into an equivalent annual growth rate.
FinanceROI Calculator
Compare net gain or loss with the original investment cost.
FinanceInvestment Calculator
Project a future balance with an opening amount and monthly deposits or SIP instalments.
FinanceSavings Goal Calculator
Work backward from a target balance to a monthly saving amount.
FinanceInterest Rate Calculator
Solve a fixed loan's nominal interest rate from amount, payment and term.
FinanceLoan Affordability Calculator
Work backward from your chosen monthly debt limit to a modeled loan amount.
FinanceGold Jewellery Quote Checker
Check a gold item quote from its weight, matched-purity rate and entered charges.
FinanceRent vs Buy Calculator
Compare buying with a home loan against renting and investing the difference, year by year.
FinanceWhat these calculators cover
Most money questions come down to one of three shapes: a payment on borrowed money, the growth of saved money, or the return on money already invested. The calculators here keep those shapes separate. A loan payment and a savings target can share the same interest formula, but they answer different questions and need different inputs.
Each result is a mathematical estimate under fixed terms. Lenders add fees, insurers change premiums and markets move. Read a tool's limitations before you compare its figure with a real offer, and use the articles for longer worked cases such as extra principal payments or rent versus buy.
Which tool fits your question?
Loan Payment estimates principal and interest on a general fixed-rate loan. Mortgage adds a home's down payment, tax, insurance, HOA and entered mortgage insurance to show a wider monthly housing budget. Simple Interest keeps its original principal fixed; Compound Interest repeatedly adds earned interest to the balance. Choose the model that matches your question.
Bond Yield compares coupon income with a bond's market price and also calculates nominal yield to maturity from scheduled cash flows. It is not a forecast of the bond's resale price. Read the individual tool's exclusions for fees, taxes, changing rates and product-specific rules before comparing real offers.
Amortization shows every loan payment and the effect of extra principal; Interest Rate solves the fixed note rate implied by a payment. Investment projects the outcome of a starting balance plus monthly deposits, while Savings works backward from a future goal. CAGR annualizes a start-to-end multiple, whereas ROI compares signed net gain with original cost without accounting for time. These outputs are different and should not be treated as interchangeable returns.
Loan Affordability reverses a fixed payment using a debt share chosen by the visitor; it is not lender pre-approval. Rent vs Buy instead compares owning with financing against renting and investing the difference, so it answers whether buying pays off over the years you expect to stay.
Gold Jewellery Quote Checker checks the arithmetic of a quote using a purity-matched per-gram price the visitor enters, plus making charge and entered tax. It does not fetch a market price, convert karat or appraise an item.
Each tool shows its formula, a worked example and the limits of its result. Read our calculation methodology for the shared rules.
Read more about finance
Worked examples and explanations for the tools above.
- How to Read an Amortization Schedule, Row by RowEach row charges one month's interest on the balance you still owe and uses the rest of the fixed payment to cut that balance. Because the balance is largest at the start, early payments are mostly interest, and the split only tips toward principal late in a long loan.Read article
- Mortgage Payment Breakdown: PITI, PMI and HOA ExplainedA monthly housing cost has up to six parts: principal and interest go to the loan, taxes and insurance are often collected through escrow, mortgage insurance protects the lender, and HOA dues usually go to the association. Only principal and interest are fixed for the life of a fixed-rate loan.Read article
- Extra Principal Payments: How Much Interest and Time You SaveOn a 300,000, 30-year loan at 6.75%, adding 100 a month to principal saves about 65,000 in interest and ends the loan 49 months early. Savings rise with every extra amount, but each additional unit buys fewer months than the one before.Read article
- Flat Rate vs Reducing Balance Interest: Converting a Loan QuoteA flat rate charges interest on the original amount for the whole term, even as you repay it. A 10% flat rate over five years costs the same as about 17.27% on a reducing balance, so convert any flat quote before comparing it with an ordinary loan rate.Read article
- Rent vs Buy Break-Even: What Moves the Year Buying Pulls AheadThe break-even year is the first year-end when the buyer's equity plus savings exceeds the renter's invested savings. It is extremely sensitive to home-value growth, rent growth, the investment return and the financing rate; a change of one or two points in any of them can move it by years or remove it entirely.Read article
- How Much Loan Can I Afford? Using Debt-to-Income RatiosMultiply gross monthly income by a debt-to-income limit, subtract existing debt payments, and the remainder is the most a new payment can be; reverse the loan formula to turn that payment into a loan amount. For a mortgage, take taxes, insurance and dues out of that payment first, or the answer will be too high.Read article
Finance questions
01Should I use Loan Payment, Mortgage or Amortization?
Loan Payment gives the equal monthly installment and total interest. Mortgage adds tax, insurance, HOA and mortgage insurance to show a monthly housing cost. Amortization lists every payment and shows what extra principal saves.
02Why do ROI and CAGR give different percentages for the same investment?
ROI compares total gain with the original cost and ignores time. CAGR spreads the same growth across the years held. A 50% ROI over five years is about 8.4% CAGR.
03Are interest rates entered as APR?
Enter the nominal annual interest rate unless a tool says otherwise. APR can include fees, so using it as the note rate slightly overstates the payment in these models.
04Do these tools work in rupees, dollars or other currencies?
Yes. The arithmetic does not depend on the currency. Enter every amount in the same currency and read the result in that currency.