Money tools
12 free money tools · Tax, loans and returns
Working out what something actually costs or returns, with the arithmetic shown rather than hidden. These calculate mechanics — amortisation schedules, effective rates, tax added and removed — and stop short of advice, because what you should do with the number depends on circumstances a calculator cannot see.
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 actually works (why early payments are mostly interest) Equal monthly payments hide a shifting split between interest and principal. The mechanics of the amortisation formula, explained step by step with a worked example.
- Compound interest, mechanically: what "interest on interest" really does The compound interest formula, why compounding frequency matters less than people think, the rule of 72, and how the same mechanics work against you in fees.
- How to remove VAT from a price (and the mistake almost everyone makes) Removing VAT is not the same as subtracting the VAT percentage. Here is the correct formula, why the intuitive method is wrong, and how much it costs you.
- Percent vs percentage points: a small wording difference that changes the number An interest rate rising from 2% to 3% is one percentage point — but a 50% increase. Why the two phrasings differ, and the percentage traps hiding in everyday claims.