Finance calculators
Work out budgets, debt, and everyday money questions.
Everyday finance is rarely about one big number. It is about many small ones that together decide what is left at the end of the month. The calculators below cover what comes in, what goes out, and the choices in between.
Salary and income
Net salary calculator
Work out your take-home pay from a gross salary, a tax rate, and other deductions — as a yearly and monthly figure.
Salary to hourly calculator
Convert an annual salary into an hourly wage, with daily, weekly, and monthly equivalents.
Pay raise calculator
Work out your new salary after a percentage raise, plus the yearly and monthly increase in your pay.
Budget and everyday money
Budget calculator
Plan monthly income, expenses, savings, and remaining cash flow with a clear budget breakdown.
Emergency fund calculator
Work out how big your emergency fund should be from your monthly expenses and months of cover, plus how much is still left to save.
Net worth calculator
Work out your net worth from total assets and total liabilities, with a debt-to-asset ratio and a visual split of what you own versus what you owe.
Discount calculator
Work out the sale price and how much you save when a percentage discount is applied.
Tip calculator
Work out the tip, the total, and what each person pays, with the levels that are customary in 22 holiday and city-break destinations.
VAT calculator
Add or remove VAT at any rate. Enter an amount and a VAT rate to see the net, the VAT, and the gross, with a visual split.
Currency converter
Convert an amount from one currency to another using an exchange rate you enter, with the inverse rate to convert back.
Debt and credit
Credit card payoff calculator
Work out how many months it takes to pay off a credit card balance with a fixed monthly payment, plus the total paid and total interest.
Debt consolidation calculator
Compare a new consolidation loan with current debt payments, including monthly savings and total cost.
Debt-to-income ratio calculator
Work out your debt-to-income ratio and see whether it falls in a healthy, caution, or high range.
APR calculator
Work out the true annual cost of a loan — the APR — from the amount, fees, nominal rate, and term, plus the monthly payment and total cost.
Housing and car decisions
How much house can I afford
Estimate the home price you can afford from your income, debts, down payment, and mortgage rate using the 28/36 rule.
Rent vs buy calculator
Compare the total cash cost of renting versus buying over a set number of years, from monthly rent, monthly ownership cost, and down payment.
Car lease vs buy calculator
Compare leasing and buying a car by total cost, monthly payment, financing, and expected resale value.
Airbnb income calculator
Estimate the monthly and yearly net income from a short-let property from its nightly rate, occupancy, and running costs.
Running costs and business
Fuel cost calculator
Work out the fuel cost of a trip from the distance, your vehicle's efficiency, and the price per unit of fuel.
Electricity cost calculator
Work out what an appliance costs to run per day, month, and year from its power in watts, the hours it runs, and your price per kWh.
Solar panel savings calculator
Estimate the yearly savings and payback period of a solar system from its size, your sun hours, electricity price, and system cost.
Break-even calculator
Work out how many units you must sell to cover your fixed costs from the price and variable cost per unit, plus the revenue and contribution margin.
What actually reaches your account
Gross pay is rarely the interesting figure. Budgets are built on the net amount, and the gap between the two depends on rules that differ by country. That is why the net salary calculator asks you for an effective tax rate rather than pretending one set of rules fits every market.
Net salary calculator takes gross to net, Salary to hourly calculator converts between an annual salary and an hourly rate, and Pay raise calculator shows what a percentage increase means in money.
What things really cost
Prices are rarely a single number. VAT is added or stripped depending on whether you are looking at a consumer price or a business one. An offer of "40% off plus a further 20%" is not 60% off. And APR says something quite different from the headline interest rate, because the fees are folded in.
VAT calculator works in both directions between amounts with and without tax, Discount calculator gives the real price after a reduction, and APR calculator makes two loan offers comparable.
For running costs, Electricity cost calculator prices an appliance or a household's consumption, and Fuel cost calculator works out what a trip or a year of driving costs.
The whole picture, not single line items
Budget calculator sets income against outgoings, Net worth calculator subtracts debts from assets, and Debt-to-income ratio calculator gives the figure lenders look at. Emergency fund calculator translates your fixed costs into the buffer a given number of months represents.
Choices with two paths
Some decisions are not about finding one number but comparing two routes. Rent vs buy calculator and Car lease vs buy calculator put the scenarios side by side, and Solar panel savings calculator works out a payback period.
What these calculators do not do
They do not fetch prices, tax rates, or exchange rates automatically. You enter the figures that apply to you, and that is deliberate: a stale electricity price or tax rate would mislead more than none at all. They also take no view on your overall situation and are not financial advice.
FAQ
- Is 40% off plus a further 20% the same as 60% off?
- No. The second discount comes off the already reduced price, not the original. 100 less 40% is 60, and 20% of 60 is 12, so you land on 48 — a 52% reduction overall. The discount calculator works the chain through correctly.
- What is the difference between the interest rate and APR?
- The interest rate prices the money. APR folds in the mandatory fees and expresses the total as one annual percentage. APR is what makes two offers comparable — a low headline rate with high fees can easily cost more.
- How big should an emergency fund be?
- The usual starting point is a number of months of fixed costs, and how many depends on how stable your income is and how quickly you could find new work. The calculator does not decide the number for you — it translates your costs into what a given number of months represents.
- Does the currency converter use live rates?
- No. You enter the rate yourself, and the page explains where to find a current one. That is a deliberate choice: a rate that looks live but is hours or days old is worse than one you looked up knowingly.
- Can I use these for a business?
- Some of them. VAT, break-even, and APR work regardless of whether the numbers are personal or commercial. Budget, net worth, and net salary are built for household finances and take no account of accounting rules, depreciation, or corporation tax.
- Which currency do they use?
- Whichever you enter. The arithmetic does not depend on the currency, so keep every amount in the same one and read the result in it. Tax rates and local charges you supply yourself.