Financial Calculators & Loans

Financial Calculators & Loans is a free financial calculator app with 400+ calculators in 18 categories: loan calculator, mortgage calculator, EMI and interest calculator, investment, retirement, real estate, business and everyday money. Each one shows the formula behind the answer.

Most loan and finance calculator apps give you a number and leave you guessing. This one shows the formula it used, explains what the result actually means in plain language, and tells you what the model leaves out. You get an answer you can check and defend.

WHAT IS INSIDE

Loans and mortgages
• Payment, payoff time, loan amount, interest rate and term — solve for any variable
• Full amortization schedules and charts with every payment listed
• Extra payments: one-off, monthly or annual, with the interest you save
• Bi-weekly payment savings, mortgage recast, refinance break-even
• Adjustable rate mortgages, interest-only, balloon and construction loans
• PITI with taxes, insurance, HOA and PMI, plus PMI removal date
• Home affordability, down payment, LTV, CLTV and closing costs
• US monthly, Canadian semi-annual and UK annual rest compounding

Vehicles
• Auto loan payment and affordability, trade-in equity, sales tax and fees
• Lease payment, money factor to APR, lease versus buy, lease buyout

Savings and interest
• Simple, compound, daily and continuous interest
• APR, APY, EAR and nominal rate conversions
• Savings goals by amount or by date, emergency fund, sinking fund
• Certificates of deposit, CD ladders, term and recurring deposits

Investing
• Time value of money solver, present and future value, annuities
• NPV, IRR, MIRR, payback period, discounted cash flow
• CAGR, ROI, annualized and real rates of return
• Stock average cost, profit and loss, position sizing, risk and reward
• Dividend yield, payout ratio, reinvestment and dividend income goals
• P/E, PEG, price to book, market cap, enterprise value, EV to EBITDA
• CAPM, beta, Sharpe ratio, portfolio return and rebalancing
• Expense ratio drag and advisor fee impact over time
• Bond price, yield to maturity, yield to call, duration and convexity

Retirement
• Retirement projections, income needed, FIRE and Coast FIRE numbers
• Employer match optimizer, traditional versus Roth comparison
• Annuity payouts, pension lump sum versus annuity, claiming break-even

Real estate investing
• Cap rate, net operating income, cash-on-cash return, gross rent multiplier
• Full rental property analysis that correctly counts your own cash injections
• Debt service coverage, break-even occupancy, the 1 percent and 50 percent rules
• Fix and flip profit, the 70 percent rule, BRRRR analysis

Business and pricing
• Margin, markup, break-even units and revenue, contribution margin
• Customer acquisition cost, lifetime value, churn, runway and burn rate
• WACC, cost of equity, free cash flow, terminal value, business valuation

Everyday money
• Tip, bill splitting, percent off, stacked discounts, unit price comparison
• Salary to hourly, overtime, pay raises, PTO, commission and bonuses
• Credit card payoff, minimum payment trap, balance transfers
• Debt snowball and debt avalanche plans with a debt-free date
• Inflation, purchasing power, currency conversion at your own rate

BUILT THE WAY A TOOL SHOULD BE
• Search every calculator by name or abbreviation
• Save named scenarios, compare them side by side, revisit your history
• Export schedules to CSV or PDF, share results as text
• Choose your currency, separators and rounding
• Light and dark themes, available in 50+ languages

For informational and educational purposes only. This app does not provide financial, investment, tax or legal advice. Results are estimates based on the values you enter and simplified models; they may differ from figures produced by your lender, broker, employer or tax authority. Consult a qualified professional before making financial decisions.

Recent changes:
First release. 590+ finance calculators: loans, mortgages, savings, investments, taxes, business and everyday maths. Full amortization schedules, saved scenarios, CSV export and plain-language explanations.