Calculators
Finance & Loans
Mortgages, loans, savings, investing and budgeting. · 39 tools
Money decisions are easier with the numbers in front of you. These calculators cover borrowing (mortgages, car loans, credit cards, debt payoff), saving and investing (compound interest, savings goals, real returns, CAGR, retirement) and planning (budgets, emergency funds, net worth, rent vs buy).
Each tool shows the full breakdown — interest versus principal, year-by-year growth, or how much a rate rise adds to a payment — so you can compare scenarios rather than take a single number on faith.
50/30/20 Budget CalculatorSplit your net income by the 50/30/20 rule: 50% needs, 30% wants, 20% savings and debt …APY CalculatorFree APY calculator: convert APR to APY (and back) with daily, monthly, quarterly or annuaAverage CalculatorCalculate the simple or weighted average of numbers.Betting CalculatorPopularProfit, odds converter, bookmaker margin and value bet — all in one.CAGR CalculatorCalculate an investment's compound annual growth rate (CAGR) from start value, end valu…CD CalculatorFree CD calculator: enter your deposit, APY and term to see the value at maturity and totaCompound InterestPopularCompound interest — calculate investment or savings growth yearly.Contribution Margin CalculatorCalculate a product's contribution margin, margin % and break-even volume from price, v…Credit Card Payoff CalculatorCalculate how long it takes to pay off a credit card balance with a given monthly payme…Currency Exchange Fee CalculatorCalculate the true cost of a currency exchange including the rate margin and any fixed …Debt Payoff Calculator 2026Calculate how fast you pay off debt with a monthly payment and total interest.Debt-to-Income CalculatorCalculate your debt-to-income ratio (total debt vs annual income) and your monthly debt…Emergency Fund CalculatorCalculate how large an emergency fund you should save and how long it takes to reach th…Equal Principal Loan CalculatorCalculate an equal-principal loan: monthly payments, total interest and repayment.Expense CalculatorFree expense calculator. List your expenses and see totals per month, day and year, plus the share of your…FIRE CalculatorFinancial Independence — calculate FIRE number and time to retire early.Hourly Rate Calculator for Freelancers 2026Calculate the hourly rate you should charge as a freelancer to cover costs and salary g…House Deposit Savings CalculatorCalculate how long saving a house down payment takes and how much to save monthly.Inflation CalculatorCalculate inflation’s effect on purchasing power across years.Installment CalculatorCalculate the monthly payment, credit cost and total price of a hire-purchase from down…Interest Rate Stress TestCalculate how much your mortgage payment rises if rates increase.Kelly Criterion CalculatorOptimal bet size with the Kelly formula. Edge and EV calculated.Loan Repayment Calculator 2026Calculate loan monthly payment, interest and repayment time.Margin & Markup CalculatorCalculate a product's gross profit in euros, profit margin % and markup % from cost and…Mortgage CalculatorPopularMonthly payment, interest and total cost. Annuity and equal principal.Net Worth CalculatorCalculate your net worth by subtracting liabilities from assets.Parlay CalculatorCombined bet total odds and payout. 2–10 selections.Present Value CalculatorCalculate the present value of a future sum from discount rate and time.Real Return CalculatorCalculate your investment's real return after inflation from the nominal return and inf…Rent vs BuyWhich is better financially — buying or renting a home?Rental Property CalculatorRental yield, cash flow and ROE for investment properties.Retirement CalculatorCalculate the nest egg and monthly saving needed for retirement.Rule of 72 CalculatorCalculate in how many years your investment doubles at a given annual return using the …Savings CalculatorPopularTrack savings growth with monthly deposits and compound interest.Savings Goal CalculatorHow long to reach your savings target?Savings Rate CalculatorCalculate your savings rate — what share of your net income you save — and your annual …Spot ElectricityCompare a spot-price (Nord Pool) contract with a fixed-price contract in FinlandTransfer Tax CalculatorCalculate property transfer tax (2% / 4%). First home is exempt.VAT CalculatorPopularAdd or remove Finnish VAT. All rates: 25.5%, 13.5%, 10%.
How to choose
- Borrowing
- Use the mortgage or loan calculators to compare annuity and equal-principal repayment, then the stress test to see what a rate rise does to the payment.
- Saving and investing
- Compound interest and savings goal tools answer “how much will I have” and “how long will it take”; the real return calculator strips out inflation.