Finance calculators 2026
Country-agnostic calculators for the money questions that are not about payroll. Every tool charts the result over time, works in your currency and exports to PDF — no sign-up, nothing stored.
Compound interest →Compound interest is interest earned on both the original deposit and on interest already added to the balance. This calculator projects the future value of an initial amount plus monthly contributions at a chosen annual rate, split into money invested and interest earned.Loan →An amortising loan is repaid in equal monthly instalments made of a shrinking interest part and a growing principal part. This calculator computes the fixed monthly instalment and total interest for a given loan amount, annual rate and repayment term.Savings goal →A savings goal is reached through regular monthly contributions plus compound growth on the balance. This calculator works back from a target amount, existing savings, an annual return and a time horizon to the constant monthly saving required.Inflation →Inflation is a sustained, broad rise in prices that erodes purchasing power over time, so a fixed sum of money buys progressively less the longer it goes unspent. The calculator turns a chosen amount, rate and time horizon into that sum's real value in the future and the future cost of an equivalent basket today.Retirement →A private retirement pot grows through monthly contributions and compound returns while working, then pays out a fixed income each month until the money runs out. From current age, retirement age, savings, contribution and return, it projects the pot at retirement and the age at which a desired income would deplete it.Debt payoff →Paying off several debts faster means covering every minimum, then directing spare money at one balance at a time — highest rate first, or smallest balance first. Given each debt's balance, rate and minimum, plus an extra payment and a strategy, it works out the months to debt-free, total interest and total paid.Rent vs. buy →Buying a home builds equity through mortgage paydown and appreciation, while renting keeps the equivalent cash free to be invested elsewhere. This calculator tracks both paths month by month over a chosen horizon and shows which builds more wealth, and after how many years buying overtakes renting.Pay rise →A pay rise is not paid out in full: tax and social contributions take a share of the extra income at the marginal rate for that slice of pay. For a chosen country, gross salary and raise amount, the calculator computes the net increase and the share of the raise that is actually kept.Employer cost →An employee costs an employer more than the gross wage on the payslip: employer-side contributions for pension, health and unemployment insurance are added on top. For a chosen country and gross wage, the calculator computes the total cost, the contribution breakdown, and the percentage on top of gross.
Illustration only, not financial advice. Assumes a constant rate and regular intervals; real products vary. Verify with a professional.