Finance calculators
Free online finance calculators for loans, compound interest, tax estimation, currency conversion, savings goals, and more. Works in any currency worldwide.
My Time Calculators offers 80 free finance calculators for loans, compound interest, mortgages, tax, salary, ROI, and more. Every tool works in any currency, gives instant results, and requires no sign-up.
All finance calculators (80)
EMI / Loan
Monthly loan payment
Compound interest
Grow your savings
Simple interest
Basic interest calc
Income tax
Estimate tax liability
Currency converter
Convert currencies
Salary / take-home
Net pay after deductions
Savings goal
Time to reach your goal
Mortgage
Home loan payment
ROI calculator
Return on investment
Inflation
Purchasing power
GST / VAT
Tax on goods & services
Profit margin
Markup & margin
Discount
Sale price & savings
Break-even
Profit threshold
Home affordability
How much house you can afford
Rent vs buy
Compare renting and buying
Car loan
Auto loan payment
Credit card payoff
Months to clear balance
Retirement savings
Project your nest egg
SIP calculator
Mutual fund SIP returns
Hourly to salary
Wage to annual income
Amortization schedule
Full payment breakdown
Net worth
Assets minus liabilities
CAGR
Compound annual growth rate
Loan comparison
Compare two loans
Sales tax
Add or remove sales tax
Debt-to-income ratio
DTI for loan eligibility
APR vs APY
Convert between APR & APY
CD / fixed deposit
Maturity value of a CD
Annuity payout
Regular income from a lump sum
50/30/20 budget
Split income into buckets
Overtime pay
Regular + overtime earnings
Freelance hourly rate
Rate from income goal
Tax bracket (marginal)
Marginal & effective rate
Rent affordability
How much rent you can afford
Debt payoff (snowball)
Time to clear a debt
Dividend yield
Yield & annual income
Present value
Today's value of future money
Future value
Value of money over time
Credit utilization
Ratio for credit score
Down payment
Upfront amount & loan needed
FIRE number
Savings needed to retire early
Coast FIRE
When you can stop saving
Rule of 72
Years to double your money
Dollar-cost averaging
Average price & returns
Stock profit
Gain or loss on a trade
Capital gains tax
Tax on investment profit
Bond yield
Current yield on a bond
Dividend reinvestment
DRIP growth over time
Millionaire calculator
Time to reach $1 million
Investment fee impact
How fees erode returns
Crypto profit/loss
Gain or loss on crypto
Crypto cost average
Average buy price
Auto loan payment
Monthly car loan cost
Student loan
Repayment & total interest
Personal loan
Monthly payment & interest
Home equity (HELOC)
How much you can borrow
Refinance savings
Savings from refinancing
Extra mortgage payment
Pay off your loan faster
Balloon loan
Payment with final lump sum
Debt snowball
Order debts to pay off
Closing costs
Upfront costs to buy a home
PMI calculator
Mortgage insurance cost
Rental property ROI
Cash flow & cap rate
Property tax
Annual property tax estimate
Home equity
Equity you have built
Margin & markup
Profit margin and markup
ROAS
Return on ad spend
Customer acquisition cost
CAC and LTV ratio
Invoice with tax
Invoice total with tax
Sales target
Units to hit a revenue goal
Hourly to annual
Convert wage to yearly pay
Take-home pay
Net pay after deductions
Cost of living raise
Raise needed to keep up
Emergency fund
How much to set aside
Savings rate
How fast you build wealth
Tip split
Split a bill and tip
Salary raise
New pay after a % raise
Life insurance needs
Coverage amount to aim for
College savings
Save for future tuition
Why use our finance calculators
Money decisions are easier when the numbers are in front of you. Our finance calculators turn questions like "what will this loan actually cost me?" or "how much will my savings grow?" into clear, instant answers. Each tool uses the same formulas that banks, lenders, and accountants rely on — presented in plain language and usable in any currency on earth.
Whether you are comparing loan offers, planning for retirement, pricing a product, or estimating tax, guessing is expensive. A two-minute calculation can reveal thousands in hidden interest, a smarter repayment plan, or a realistic savings timeline. These calculators are built for real decisions, not just homework.
How to choose the right calculator
- Pick the calculator that matches your question — loans, savings, tax, business, or pricing.
- Select your local currency from the dropdown; the math adjusts automatically.
- Enter your figures and read the instant breakdown, including totals and interest.
- Use the related calculators to stress-test the same decision from another angle.
Frequently asked questions
Are these finance calculators free?
Yes. Every finance calculator on My Time Calculators is completely free, with no account, subscription, or download required.
Do they work with my currency?
Yes. All financial calculators include a currency selector covering major world currencies, so results display in your local money.
How accurate are the results?
The calculators use standard, internationally recognised financial formulas (such as the reducing-balance EMI formula and compound interest formula). For binding financial decisions, confirm with your bank or a qualified advisor.
Can I use these for business?
Absolutely. Tools like profit margin, break-even, ROI, and GST/VAT are designed for freelancers, shop owners, and small businesses.