金融
住宅ローン、貯蓄、利息、ローンなどの金融計算。
12種類の計算機
金融
Mortgage Calculator
Want to know what a mortgage costs per month? Enter the loan amount, interest rate and term to instantly calculate your monthly payment using the annuity method.
VAT Calculator
VAT (VAT/IVA/TVA in EU) is a hidden tax in the price you pay. Shops often show "€50" but that already includes VAT. This calculator lets you choose: add VAT to a net amount, or extract the hidden tax from a gross price. Handy for invoicing and budgeting.
Compound Interest Calculator
Compound interest is why saving pays off so much over the long run: you earn interest not just on your deposit, but on the interest from previous years too. This calculator shows what your savings are worth after a chosen period, including an optional fixed monthly deposit.
Loan Calculator
A personal loan is repaid in fixed monthly instalments: the annuity. Enter the amount, rate and term to see your monthly payment and total interest cost.
Gross to Net Salary Calculator
Your gross salary is what your employment contract states; your net salary is what you actually receive in your account after tax and pension. This calculator converts gross to net using your average tax rate (from your payslip) and includes holiday allowance.
Savings Goal Calculator
Instead of calculating what your savings eventually become, this calculator flips the question around: how long until you reach a specific savings goal? Enter your current savings, monthly deposit and expected interest rate, and the calculator simulates month by month until your goal is reached. Useful for an emergency fund, a house down payment or a big purchase.
Profit Margin Calculator
Margin and markup sound alike but are two different numbers. This calculator computes both from your cost and selling price, or helps you find the right selling price for a target margin.
Return on Investment (ROI) Calculator
Return on investment (ROI) tells you how much your investment has yielded relative to what you put in. A 50% return in 1 year is very different from 50% over 10 years — that's why we also show the annualised return (CAGR) so you can fairly compare investments of different lengths.
Retirement Savings Calculator
How much do you need to retire comfortably? This calculator projects your retirement pot based on your current savings, monthly contribution and expected return, and gives an indication of the monthly income that pot could provide.
Break-Even Point Calculator
The break-even point is the number of sales at which revenue exactly covers costs — every sale after that is profit. Enter your fixed costs, selling price and variable cost per unit to see how much you need to sell.
Loan Payoff Calculator
Making extra repayments on a loan or mortgage not only shortens the term, it also saves significant interest — because you pay interest each month on a lower remaining balance. This calculator simulates both scenarios accurately: with and without the extra repayment.
Financial Independence Calculator
The "25x rule" says that if you save 25 times your annual spending, you can theoretically live off 4% per year indefinitely without running out of money. This is the basis for FIRE (Financial Independence, Retire Early) planning.
Getting a grip on your money starts with insight. This category bundles free financial calculators for mortgages, savings, interest, loans, salary and pensions — so you decide with real numbers instead of gut feeling.
Every calculator uses transparent formulas and shows the intermediate steps, so you see exactly how interest, term and contributions combine to shape your result.
Overview
From planning a savings goal to working out gross-to-net pay or the monthly cost of a loan: the financial tools help with the big and small money questions of everyday life.
How to use these calculators
- 1Pick the tool that fits your question (e.g. savings or loan).
- 2Enter amounts, interest and term in your own currency.
- 3Compare scenarios by changing one value and seeing the effect.
Common mistakes
- Confusing nominal and effective interest rates.
- Forgetting inflation and fees over long terms.
- Confusing gross with net in salary and savings calculations.
Tips
- Use compound interest: interest on interest makes the biggest long-term difference.
- Build a buffer into your calculation for unexpected costs.
よくある質問
Are the financial calculators suitable for my country?
The formulas are universal; amounts show your local currency automatically. Tax rules differ per country — treat the result as an indication.
Is my input data stored?
No. Everything is computed in your browser; nothing is sent or stored.
Can I calculate my mortgage exactly with this?
You get an accurate indication; for a binding quote your bank or adviser remains authoritative.