Finance calculators

Which finance calculator to use

For borrowing, the loan calculator covers any fixed-rate loan from the amount, rate and term. The mortgage calculator starts from a property price and deposit instead, and the auto loan calculator adds sales tax and a trade-in. Before you buy a home, the home affordability calculator works backwards from your income; once you own one, the refinance break-even calculator finds the month a new loan pays for itself. To clear what you already owe, the credit card payoff calculator shows the time and interest to clear one card, and the debt payoff calculator compares the snowball and avalanche methods across several debts.

For saving and investing, the compound interest calculator projects a balance at any compounding frequency. The retirement savings, savings goal, dividend reinvestment and FIRE calculators each answer a narrower planning question, and the ROI calculator turns an initial investment, a final value and a holding period into a total and an annualized return.

For prices, pick the tax by where you are: the VAT calculator and the GST calculator add or remove tax at any rate, while the sales tax calculator adds US sales tax to a pre-tax price. The currency picker on each form changes how amounts are shown; it does not convert between currencies.