Finance Calculators

Finance Calculators

Twenty-nine calculators covering pay, tax, borrowing, and saving. Where a tool is country-specific it says so, because take-home pay and consumption tax are not portable between jurisdictions. Rates and thresholds are stated on each page so you can check them against the official source, and every calculation runs in your browser, nothing you enter about your salary or debts is sent anywhere.

Take-Home Pay, by Country

Five calculators model payroll deductions in the country whose rules they implement: the Korea salary calculator (four major insurances plus income tax), the New Zealand PAYE calculator (PAYE, ACC levy, KiwiSaver), the US salary & paycheck calculator (federal, state, and FICA), the UK PAYE calculator (Income Tax and National Insurance, driven by your tax code), and the Australia PAYG calculator (income tax, Medicare levy, super). Self-employed Australians should use the freelancer tax calculator, which handles ABN income, GST registration, and BAS instalments rather than employer withholding. The salary converter is the country-neutral one: it moves a single figure between hourly, daily, weekly, fortnightly, monthly, and annual.

Consumption Tax

Adding and removing consumption tax are different sums, and the reverse direction is where people slip. The New Zealand GST calculator handles 15% GST, the Australia GST calculator handles 10%, the VAT calculator takes any rate for inclusive and exclusive prices, and the US sales tax calculator combines state and local rates.

Borrowing and Paying It Down

The loan calculator produces the monthly payment, total interest, and a full amortisation schedule for any amortising loan, and the car loan calculator applies the same maths to a vehicle purchase across different terms. The refinance calculator compares an existing loan with a proposed one and reports the break-even point, which matters because switching costs can outrun the monthly saving. The credit card calculator shows what minimum payments actually cost in time and interest, and the debt payoff calculator compares the snowball and avalanche orderings across several debts, reporting a debt-free date for each.

Saving, Investing, and Time

The compound interest calculator models growth with regular contributions at different compounding frequencies, and the simple interest calculator shows the same principal without compounding, which makes the gap between the two concrete. The term deposit calculator works out maturity value across terms and rates, and the savings goal calculator inverts the question: how long to reach a target, or how much per month to hit it by a date. Looking further out, the retirement calculator projects a balance and an estimated monthly income from it, while the inflation calculator shows what that balance will actually buy. For investments already made, the ROI calculator reports both total and annualised return, the annualised figure being the one that allows comparison across holding periods, and the stock average calculator tracks your average cost per share after buying in more than once.

Everyday and Business Arithmetic

The percentage calculator covers increases, decreases, and plain percentages in one place. The discount calculator applies a markdown and optional sales tax to get the price you will actually pay. On the business side, the margin calculator separates margin from markup, which are routinely confused and are not the same number, and the break-even calculator finds the unit and revenue volume at which fixed costs are covered. The currency converter is the one tool on this site that makes a network request: it fetches European Central Bank reference rates, published once per working day, and converts your amount locally after the rate arrives.