Finance calculators that get the actual rules right
Mortgages, loans, savings, UK tax, Gulf employment rules and sending money home — each tool uses the real current rates and thresholds, shows the formula and explains the answer.
Most used
Loans & Mortgages
Repayments, amortisation schedules and total interest.
Mortgage Calculator
Monthly payment, total interest, LTV and the effect of overpaying.
Loan / EMI Calculator
Monthly repayment, total interest and full amortisation schedule.
Mortgage Affordability Calculator
How much you can borrow from income multiples and monthly budget.
Mortgage Overpayment Calculator
Interest saved and years cut by overpaying monthly or with a lump sum.
Car Loan / Finance Calculator
Monthly payment for HP or PCP with deposit and balloon payment.
Credit Card Payoff Calculator
How long to clear a card and what minimum payments really cost.
Debt Payoff Calculator (Avalanche vs Snowball)
Avalanche vs snowball across up to four debts.
Rent vs Buy Calculator
Net wealth after N years as an owner vs a renter who invests.
APR to APY (Effective Rate) Calculator
Convert nominal APR to effective APY and back for any compounding.
Loan Comparison Calculator
Two loans side by side: payment and true total cost.
Loan Eligibility Calculator
Maximum loan from income, existing EMIs and bank limits.
Remortgage Calculator
Saving from switching deals after fees and early repayment charges.
Interest-Only vs Repayment Mortgage Calculator
Compare monthly cost and total interest, and whether investing the gap works.
Savings & Investing
Compound growth, returns and goal planning.
Compound Interest Calculator
Growth with monthly contributions, any compounding frequency.
Savings Goal Calculator
Monthly amount needed to hit a target by a date.
Retirement Calculator
Projected pot, sustainable income and the gap to your target.
SIP Calculator
Maturity value of a monthly investment plan with optional step-up.
Simple Interest Calculator
Interest on principal only, with the compound comparison.
ROI Calculator
Return on investment and annualised return after fees.
CAGR Calculator
Compound annual growth rate between two values.
Inflation Calculator
Future cost of today’s money, or purchasing power lost.
Rule of 72 Calculator
Years to double your money at any rate, and the exact figure.
Future Value Calculator
FV of a lump sum and/or regular payments at a periodic rate.
NPV & IRR Calculator
NPV, IRR, profitability index and payback for a cash-flow series.
FIRE Calculator
Your FIRE number and the year you can stop working.
Dividend Income Calculator
Dividend income growth with or without reinvesting.
Emergency Fund Calculator
How many months of essentials you need and how long to build it.
Net Worth Calculator
Assets minus liabilities, with liquid net worth and debt ratio.
How Long Will My Savings Last?
Years until a pot runs out at a given monthly withdrawal.
UK Tax & Residence
Take-home pay and Statutory Residence Test tools for UK taxpayers and British expats.
UK Stamp Duty Calculator (SDLT)
SDLT for first-time buyers, movers and second homes (5% surcharge).
TaxUK Take-Home Pay Calculator 2026/27
Salary after tax, NI, pension and student loan.
TaxUK Residence Day Counter (SRT)
Count UK days, tick ties, see your Statutory Residence Test status.
TaxUK Capital Gains Tax Calculator
CGT on property or shares at 18% / 24% after the £3,000 allowance.
TaxUK Inheritance Tax Calculator
IHT at 40% above the £325k nil-rate band and £175k residence band.
TaxUK Dividend Tax Calculator 2026/27
Dividend tax at 10.75% / 35.75% / 39.35% after the £500 allowance.
TaxUK Pension Tax Relief Calculator
What a contribution really costs after 20/40/45% relief.
PropertyUK Rental Yield & Buy-to-Let Calculator
Gross/net yield, cash flow and after-tax return on a buy-to-let.
TaxUK VAT Calculator (20%)
Add or remove 20%, 5% or 0% VAT.
TaxUK Student Loan Repayment Calculator
Monthly repayments by plan and whether you ever clear it.
EmploymentUK Redundancy Pay Calculator
Statutory redundancy by age bands and capped weekly pay.
EmploymentUK Salary Converter (Hourly, Annual, Pro-Rata)
Hourly ↔ annual and pro-rata part-time salary.
SavingsUK ISA Calculator
Tax-free growth of a stocks & shares ISA with fees.
TaxScottish Income Tax Calculator 2026/27
Scottish six-band income tax vs the rest of the UK.
PropertyBuy-to-Let Mortgage Calculator
Max BTL loan from rent cover (ICR), stress rate and LTV.
SavingsUK Pension Drawdown Calculator
How long a pot lasts in drawdown, tax-free cash and tax on income.
SavingsAnnuity vs Drawdown Calculator
Guaranteed annuity income vs keeping the pot invested.
EmploymentUK Maternity Pay Calculator 2026/27
Statutory maternity pay by week for 2026/27.
EmploymentUK Holiday Entitlement Calculator
Pro-rata annual leave for part-time, starters and irregular hours.
EmploymentUK Sick Pay (SSP) Calculator 2026/27
SSP from day one at the 2026/27 rate.
EmploymentUK Notice Pay Calculator
Statutory notice weeks, payment in lieu and holiday owed.
TaxUK Child Benefit & HICBC Calculator 2026/27
Child benefit and the high-income charge between £60k and £80k.
PropertyScotland LBTT Calculator
Scottish property tax with first-time buyer relief and 8% ADS.
PropertyWales LTT Calculator
Welsh Land Transaction Tax, main and higher rates.
US Tax & Retirement
2026 paycheck, 401(k) and Roth IRA calculators.
India, Pakistan & Philippines
Income tax and take-home pay for the Gulf's largest expat communities.
India Income Tax Calculator FY 2026-27
FY 2026-27 tax under new vs old regime with monthly take-home.
Pakistan Salary Tax Calculator 2026-27
FY 2026-27 salaried slabs — monthly tax and take-home.
Philippines Salary & Tax Calculator
Monthly take-home after SSS, PhilHealth, Pag-IBIG and withholding tax.
Business & FP&A
Valuation, working capital, SaaS metrics, leases, bonds and variance analysis.
DCF Valuation Calculator
Two-stage DCF with terminal value, EV and per-share value.
WACC Calculator
Weighted average cost of capital via CAPM and after-tax debt.
EBITDA Multiple Valuation Calculator
Business value from an EBITDA multiple with a low–high range.
Cash Conversion Cycle Calculator
DSO, DIO, DPO and working capital tied up.
Burn Rate & Runway Calculator
Runway, net burn and months to breakeven for a start-up.
CAC / LTV Calculator
Customer acquisition cost, lifetime value and payback.
MRR & Churn Calculator
MRR projection with new, expansion and churned revenue.
Price Discount Impact Calculator
Extra volume needed to break even on a price cut.
Depreciation Calculator
Straight-line, declining balance and sum-of-years schedules.
IFRS 16 Lease Liability Calculator
IFRS 16 / ASC 842 lease liability and right-of-use asset.
Bond Yield & Price Calculator
YTM, current yield, price at a target yield and duration.
Budget vs Actual Variance Calculator
Budget vs actual and YoY variance with favourable/adverse flag.
Run-Rate Calculator
Annualise year-to-date figures and compare to budget.
Gross-to-Net Revenue Calculator
Revenue bridge from gross sales to net revenue and gross profit.
Late Payment Interest Calculator (UK)
Statutory interest and compensation on overdue UK invoices.
Everyday & Health
Percentages, dates, BMI, calories, conversions and quick tools.
Percentage Calculator
X% of Y, percentage change, and what percent X is of Y.
Tip Calculator
Tip amount, total and split between people.
Age Calculator
Exact age in years, months, days, plus next birthday.
BMI Calculator
Body mass index, category and healthy weight range.
Currency Converter
Live mid-market rates for 150+ currencies.
Discount Calculator
Sale price, saving and stacked discounts.
Sales Tax Calculator
Add or back out sales tax at any rate.
Margin & Markup Calculator
Gross margin, markup and the price for a target margin.
Break-Even Calculator
Units and revenue needed to cover fixed costs.
Hourly to Salary Calculator
Hourly rate to annual, monthly, weekly and daily pay.
Date Calculator (Days Between Dates)
Days between dates, working days, and date ± N days.
Fuel Cost Calculator
Trip fuel cost, per person and monthly commuting cost.
50/30/20 Budget Calculator
50/30/20 budget split and where you are over or under.
Payback Period Calculator
Simple and discounted payback for any investment or saving.
Gold Price & Value Calculator
Value of gold by weight and karat, with making charges and VAT.
TDEE / Calorie Calculator
Daily calories to maintain, lose or gain, with macros.
Body Fat Percentage Calculator
Body fat % from tape measurements (US Navy method).
Ideal Weight Calculator
Healthy weight range and four classic formulas.
Pregnancy Due Date Calculator
Pregnancy due date from LMP, conception or IVF transfer.
Ovulation & Fertile Window Calculator
Fertile window and ovulation date from your cycle.
Sleep Cycle Calculator
Best bedtimes or wake times based on 90-minute cycles.
Hours Worked Calculator
Hours worked between two times, with breaks, overtime and pay.
GPA Calculator
Semester and cumulative GPA on the 4.0 scale.
Final Grade Calculator
Score needed on the final exam to hit your target grade.
Unit Converter
Length, weight, temperature, area, volume and speed.
Random Number Generator
Random numbers in a range, with or without repeats.
Password Generator
Strong random passwords generated locally.
Islamic Finance
Zakat and Shariah-compliant finance calculators.
Zakat Calculator
Cash, gold, silver, investments and business stock at 2.5% with nisab check.
Zakat al-Fitr Calculator
Fitrana per person and for the whole household.
Islamic Inheritance (Faraid) Calculator
Faraid shares for spouse, parents, sons and daughters.
Hajj & Umrah Budget Calculator
Total Hajj or Umrah cost and a monthly savings plan.
Murabaha Finance Calculator
Islamic cost-plus finance instalments vs a conventional loan.
Ijara (Islamic Mortgage) Calculator
Lease-to-own Islamic mortgage payments and rent/acquisition split.
Sukuk Yield Calculator
Yield to maturity and current yield on a sukuk.
Stock Purification Calculator
Dividend purification amount for non-compliant income.
Hijri ↔ Gregorian Date Converter
Gregorian ↔ Hijri conversion, Hijri age and next Ramadan.
Currency Pairs
Live mid-market rates for the most-searched currency pairs.
USD to EUR
EUR to USD
USD to GBP
GBP to USD
EUR to GBP
GBP to EUR
USD to INR
GBP to INR
EUR to INR
USD to JPY
USD to CAD
USD to AUD
USD to CNY
USD to PKR
USD to PHP
USD to AED
AED to USD
USD to SAR
GBP to AED
EUR to AED
INR to AED
USD to MXN
USD to BRL
USD to ZAR
USD to TRY
USD to EGP
USD to NGN
USD to KRW
USD to SGD
USD to CHF
Send Money Home
Live mid-market rates and true-cost checks for every major Gulf remittance corridor.
GCC & Expat
Gratuity, leave, overtime, VAT, corporate tax and property tools for UAE, Qatar, Saudi Arabia, Oman, Bahrain and Kuwait.