Money tools
12 free money tools · Tax, loans and returns
Estimate loan payments, compare savings scenarios, calculate VAT or split a bill. The formulas and examples explain the numbers; your rates, fees and circumstances determine how to use them.
All money tools
- Loan calculator (+ extra payments) Monthly payment, interest, months saved with extra.
- Compound interest Growth with regular contributions, year by year.
- VAT calculator (EU) Calculate net, VAT and gross with country rates. Supports decimal comma.
- Currency converter Convert between 160+ currencies at live daily rates.
- Tip calculator Tip amount, total, and what each person pays.
- Split the bill Divide a bill evenly, tip included.
- Discount calculator Sale price, discount percent, or the original price.
- Savings goal How long it takes, or how much per month.
- Hourly to salary Convert pay between hourly, monthly and annual.
- Markup vs margin Markup and margin from cost and price.
- Break-even calculator Units and revenue needed to cover your costs.
- ROI & CAGR calculator Return on investment and annualized growth (CAGR).
Guides
- How loan amortisation works: payment, interest and balance Follow a monthly loan payment through interest and principal, with a worked example and the formula for a fixed-rate repayment schedule.
- How compound interest works, with examples See how starting balance, interest rate, time and contributions affect compound growth. Follow the formula and compare different compounding schedules.
- How to remove VAT from a VAT-inclusive price Divide a VAT-inclusive price by 1 plus the VAT rate to find the net amount. Follow a worked example and avoid subtracting VAT from the wrong base.
- Percent vs percentage points, with examples A rise from 2% to 3% is one percentage point and a 50% relative increase. Learn the difference and avoid common percentage and discount mistakes.