Free Finance Calculators
The money questions that come up constantly, what will this cost me a month, how much of this price is tax, what is 15% of that. Every answer shows its working.
Tools in this category
10 tools- Compound Interest CalculatorSee what a starting sum plus monthly saving grows into, year by year, with the formula shown.€1,628.89€1,000, 5%, 10 years
- Discount CalculatorWork out the sale price and what you actually save, including stacked discounts, which do not simply add up.€56.0030% off €80
- Loan CalculatorSee what a loan really costs each month, and how much of it is interest.€1,056 a month€200,000, 4%, 25 years
- Margin & Markup CalculatorCost and price in, margin and markup out, or set the margin you want and get the price. The two percentages differ, and mixing them up costs money.60% margincost 40, price 100
- Percentage CalculatorPercentages of, increases, decreases and differences, with the working shown.1215% of 80
- Salary ConverterTurn an hourly rate into monthly and annual pay, or the other way around, with your own hours per week.€4,166.67 a month€50,000 a year
- Savings Goal CalculatorHow long until you reach your target? Months and the calendar date, from what you have, what you save and what it earns.€416.67 a month€10,000 in 2 years
- Simple Interest CalculatorInterest on the original amount only, the maths behind most short loans and deposits, with the formula shown.€500.00€1,000, 5%, 10 years
- Tip CalculatorWork out the tip and split the bill in two taps, per-person total front and centre.€6.3015% on €42
- VAT CalculatorAdd VAT to a price or find the VAT already inside one, for any country.€124.00€100 plus 24% VAT
Money maths, without the sales pitch
Most financial calculators on the web exist to sell you something. The loan calculator sits on a lender's site and quietly assumes their rate. The mortgage tool wants your email before it shows the total. The result is that a simple question, what would the monthly payment be?, turns into a lead-generation form.
These do the arithmetic and stop. No account, no email, no broker waiting at the end. You get the number, the formula that produced it, and nothing else.
Why the formula is always shown
A financial calculator that only shows a result asks you to trust it about something that affects real money. Every tool here prints the working alongside the answer: the annuity formula and the values put into it, the division used to strip VAT out of a gross price, the exact percentages applied.
That matters most where intuition misleads. Removing VAT is the standard example. If a price includes 25% VAT, the VAT portion is not 25% of the gross, it is the gross divided by 1.25, and the difference is the tax. Subtracting 25% instead is a mistake that appears in a surprising number of spreadsheets, and seeing the division written out is what stops it.
What these tools deliberately do not do
They do not give advice. A calculator can tell you that a loan costs €4,200 in interest over five years; it cannot tell you whether that is a good idea, whether you would be better overpaying, or whether the lender's fees make a cheaper headline rate more expensive overall. Those questions need context and, often, a regulated professional.
They also do not model tax positions, currency movements, or anything that depends on live market data. Every answer comes out of fixed arithmetic, which is why the working can always be shown underneath it and why the same question gives the same answer whenever you ask.
Free, and staying free
Financial calculators have a habit of turning into funnels. The thorough one wants an email before it shows the total, the breakdown you came for sits inside a trial, and the free version is the one missing the number that mattered. Every calculator on this page arrives complete: the amortisation table, the year-by-year breakdown, the copy buttons, all of it, with no account, no daily cap and no paid tier planned.
Each one also installs on its own. If the loan calculator is the only tool here you use, put that single tool on your home screen and it opens straight into its fields, with no menu of other people's tools to walk past first.
Rounding, and why totals sometimes look a cent out
Money is decimal, computers are binary, and the two do not divide evenly. A repayment schedule calculated to full precision and then rounded for display can produce a final balance a cent away from zero. Our amortisation table handles this the way lenders do: the last instalment absorbs the drift, so the balance lands exactly on zero.
Your own lender may round each instalment slightly differently, which is why a schedule here can differ from theirs by a few cents across the term. The totals will agree; the individual rows may not to the last decimal.
What is coming
Compound interest, mortgage repayments including overpayments, salary conversion between hourly, monthly and annual, discount and sale price, margin and markup, and a tip splitter. Each ships only once its edge cases behave, a finance calculator that is right most of the time is worse than none at all.
Questions people ask
Are these calculators accurate?
The arithmetic is exact, and every tool shows the formula it applied so you can check it. What they cannot know is your circumstances, a real loan offer includes arrangement fees, insurance, and a lender's own rounding rules, none of which appear in a standard repayment formula. Treat the output as the mathematical answer, not as a quote.
Is this financial advice?
No. These are calculators, not advisers. They tell you what a number works out to; they cannot tell you whether a loan is affordable or a purchase is wise. For decisions that matter, talk to someone qualified and regulated in your country.
Do I need an account?
No, and there is nothing to pay. Every calculator here is free to use as often as you like, with no sign-up, no daily cap and no paid tier holding the useful part back. Each tool also installs on its own, so the one you reach for monthly can sit on your home screen and open straight into its fields.
Why is there no currency converter?
Because an exchange rate is stale the moment it is printed, and a stale rate is worse than none at all. Every calculation on this page is fixed arithmetic that gives the same answer today and in ten years. For a live rate, take the figure your bank is actually offering you.
Which currency do these use?
None in particular. The maths is identical whatever the currency, so the tools show plain numbers and leave the symbol to you. Amounts follow your own language settings, so the thousands and decimal separators come out the way you are used to reading them.
Do the VAT rates stay up to date?
They are checked and dated, and the tool shows when. Rates change by legislation, so for anything you are filing, confirm against the national tax authority. You can always type a custom rate.