Money tools
12 free money tools · Bills, loan payments, savings and returns
Compare loan repayments, plan a savings contribution or work out the cost of a purchase. In the general money calculators, choosing a country or currency changes number formatting, not tax or lending rules. VAT presets and currency exchange rates are separate: check the applicable VAT rate or the exchange-rate date before using a result.
All money tools
- Loan calculator (+ extra payments) Estimate monthly loan payments and the effect of paying extra.
- Compound interest Growth with regular contributions, year by year.
- VAT calculator (EU) Add or remove VAT using an EU country preset or a rate you enter.
- Currency converter Convert currencies using daily reference rates.
- Tip calculator Tip amount, total, and what each person pays.
- Split the bill Divide a bill evenly, tip included.
- Discount calculator Find a sale price, an original price or a combined discount.
- Savings goal Estimate time to a savings goal or the monthly amount needed.
- Hourly to salary Compare gross pay per hour, day, week, month or year.
- 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 for these tasks
- How loan amortisation works: reading the payment and interest split Read an amortisation schedule, check the first two payments, and compare how a loan's rate and term affect monthly payments and total interest.
- Compound interest: how a balance grows when interest stays in the account Compare a lump sum with regular deposits, understand annual and monthly compounding, and check the assumptions behind a savings projection.
- How to remove VAT from a price Find the net price and VAT portion of a tax-inclusive total, check a worked example, and handle invoices with more than one VAT rate.
- Percent vs percentage points: a small wording difference that changes the number An interest rate rising from 2% to 3% is one percentage point, and also a 50% increase. Why the two phrasings differ, and the percentage traps hiding in everyday claims.
Related categories
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