Finance Calculators

The Mortgage Calculator, by a wide margin. Housing is the largest liability most households ever assume, and a 30-year term means small rate differences compound into six-figure outcomes.

Yes. The underlying mathematics is currency-agnostic — an amortisation identity behaves identically in dollars, pounds, rupees or yen. Only the display symbol assumes US$.

Simple interest accrues only on the original principal, so growth is linear. Compound interest accrues on principal plus previously earned interest, producing exponential growth. Over long horizons the divergence is dramatic.

The arithmetic is exact, but any projection is only as good as its assumptions. Returns, inflation and contribution rates are inputs you supply — model a pessimistic, base and optimistic case rather than trusting a single figure.

Use APR to compare the total cost of two structurally similar offers, because it incorporates fees and points. Use the note rate to compute the actual payment.

Yes. The IRR Calculator handles uneven cash flows at irregular intervals, which is exactly where simple ROI breaks down.

Typically your weighted average cost of capital, or the return available on the next-best investment of comparable risk. Because NPV is highly sensitive to this input, always test a range.

Not automatically. Most engines return nominal figures. Use the Inflation Calculator to convert a nominal result into today's purchasing power.