Finance calculators
Plan borrowing, saving and pricing with four finance calculators. Each one shows its formula and a worked example, so you can check the figures yourself before you commit to a loan, an investment or a price.
- Loan EMI Calculator Enter the amount you want to borrow, the yearly interest rate and the loan term. You get the monthly instalme...
- Mortgage Calculator Enter the home price, your down payment, the interest rate and the term. Add yearly property tax and insuranc...
- Compound Interest Calculator Enter a starting balance, a monthly contribution, the yearly rate and how long you will invest. The result sh...
- Profit Margin Calculator Enter what an item costs you and what you sell it for. You get gross profit, gross margin and markup, and the...
Which finance calculator should you use?
Use the loan EMI calculator to find the monthly instalment on a personal, car or education loan. Buying a home? The mortgage calculator adds yearly property tax and home insurance to the repayment, so the monthly figure is closer to what you will actually pay.
To see how savings grow, the compound interest calculator accepts a starting balance and regular monthly deposits. If you sell products or services, the profit margin calculator separates margin from markup so your prices leave enough room above cost.
Three checks before you borrow or save
Know the interest method. A flat-rate loan and a reducing-balance loan can both advertise 8% and still cost very different amounts. Our calculators use reducing balance, so ask your lender which method they quote.
Look at total interest, not only the instalment. A longer term lowers the monthly payment but raises the interest you pay overall. Change the term in the calculator and compare both numbers.
Remember fees. Processing fees, early-repayment charges and insurance are not part of the standard formula. Add them to your own comparison.
Frequently asked questions
Are the finance calculators free?
Yes. They are free with no account or sign-up, and you can run them as many times as you like.
Do the finance calculators include fees and taxes?
The mortgage calculator includes yearly property tax and insurance. None of them include lender fees or personal income tax, so add those separately.
Can I use these results to choose a loan?
Use them to compare options and understand the cost. Confirm the final figures with your lender or a qualified financial adviser before you sign.