Money and budgeting tools
Estimate payments, growth and prices from the numbers you enter. Results are models based on the stated formulas and assumptions, not financial advice, so review them before making a decision.
Model payments and savings
Loan payment and amortization calculator
Monthly payment, total interest and a full amortization schedule, with extra payments.
Compound interest calculator
Project growth with regular contributions, compounding frequency and inflation.
Savings goal calculator
How much to save each month to reach a goal by a date, with interest.
Pricing and business numbers
Profit margin and markup calculator
Convert between cost, price, margin and markup in any direction.
Business break-even calculator
Units and revenue needed to cover fixed costs, with a break-even chart.
Freelance hourly-rate calculator
Find the hourly rate that covers your income goal, expenses, taxes and unbilled time.
Tip, discount and sales-tax calculator
Tips split between people, stacked discounts, and tax added or removed.
Budgets and recurring costs
Guides
- How loan amortization works: Why most of an early loan payment goes to interest, how the monthly payment is calculated, and what extra payments really save.
- Percentages, percentage change and percentage points: The three basic percentage calculations, why +50% then −50% does not get you back, percentage points versus percent, and other mistakes that mislead.