financial calculators
Financial calculators
Tools to calculate interest, returns, severance, vacation pay, taxes, and loans without needing a spreadsheet. Enter your values and get instant results, with no sign-up required and no ads hiding your answer.
All tools
Compound interest
Calculate the growth of your capital over time.
$ROI Calculator
Calculate return on investment and net profit.
$Investment Calculator
Project future value, required contribution, and time to goal.
$Simple interest
Direct calculations for earnings or installments.
$Loan Simulator
Compare fixed rate and amortization payment plans side by side.
$Mortgage Calculator
Monthly payment, max home price, and extra payment savings.
$Auto Loan Calculator
Monthly payment, max vehicle price, and extra payment savings.
$Payment Calculator
Payment, max loan amount, and term needed for any loan.
$Interest Rate Calculator
Loan rate, simple interest rate, and return needed for a goal.
$APR Calculator
APR with fees, offer comparison, and nominal vs effective rate.
$APY Calculator
Nominal rate to APY, deposit earnings, and account comparison.
$Savings Calculator
Emergency fund, savings goal by period, and the 50/30/20 rule.
$Compound Savings Calculator
Growth with configurable compounding, frequency effect, and cost of waiting.
$Future Value Calculator
Simple vs compound interest, annuity future value, and present value needed.
$Present Value Calculator
Present value of future payments and money-now-vs-later comparison.
$Discount calculator
Calculate the final price after a discount and how much you save.
$Profit Margin Calculator
Margin, markup, and the right selling price for your product.
$Markup Calculator
Markup on total cost, chain markup, and maximum allowed cost.
$Break-Even Calculator
Break-even point, units for a profit goal, and margin of safety.
$Debt-to-Income Ratio Calculator
Overall DTI, front-end vs back-end DTI, and room for new debt.
$Debt Payoff Calculator
Time to pay off debt, required payment for a target date, and extra payment savings.
$Credit Card Payoff Calculator
Paying only the minimum, fixed monthly payment, and savings switching from one to the other.
$Inflation Calculator
Purchasing power over time, implied inflation rate, and raise vs inflation.
$Currency Converter
Conversion with today's rate, rate comparison, and the real cost of an international purchase.
$Tip Calculator
Tip and bill split, tip to reach a round total, and a 10%/15%/20% comparison.
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Frequently Asked Questions
What is the difference between simple interest and compound interest?
In simple interest, the percentage is always applied to the initial capital. In compound interest, it is calculated on the principal plus any previously accumulated interest, creating "interest on interest" and accelerating growth over time.
How do I calculate employment severance pay?
The total amount varies based on the type of termination (without cause, resignation, mutual agreement, etc.) and includes items such as remaining salary, notice period pay, accrued vacation, and FGTS penalty. Use the severance calculator above by entering the termination type to see a full breakdown.
Do CastroTools financial calculators use updated tax and social security rates?
Yes, the Social Security and Income Tax calculators are updated according to current rate tables. However, for formal tax decisions, always confirm the figures with relevant tax authorities or an accountant.