About these finance calculators
Money decisions deserve numbers you can check. A loan that looks cheap monthly can cost far more over its term, and a business that looks profitable can have thin margins once costs are counted. These calculators show the full picture, including total interest and total paid.
Each page lists the formula, a worked example and the usual mistakes, so you can verify a result by hand. Results are estimates and do not include fees, insurance or tax unless the tool says so.
What each tool does
- Loan EMI Calculator: EMI stands for equated monthly installment. Enter the loan amount, yearly interest rate and the term to see the fixed monthly payment and total interest.
- Compound Interest Calculator: Compound interest means you earn interest on your earlier interest. Enter a starting amount, monthly deposit, rate and years to see how your balance grows.
- Discount Calculator: Subtract the discount from the original price to get the sale price. The discount is the original price times the percent off divided by 100.
- VAT and GST Calculator: To add VAT or GST, multiply the net price by the rate and add it. To remove it, divide the gross price by one plus the rate.
- Hourly to Salary Calculator: Multiply your hourly rate by hours per week and weeks per year to get your annual salary. At 40 hours and 52 weeks, a rate of 25 per hour is 52,000 a year.
- Simple Interest Calculator: Simple interest equals principal times rate times time. Enter the three values to see the interest and the total amount at the end of the period.
- ROI Calculator: ROI equals the gain divided by the amount invested, times 100. Enter what you put in and what you got back to see ROI and the yearly return.
- Profit Margin and Markup Calculator: Margin is profit divided by selling price. Markup is profit divided by cost. Enter cost and price, or a target margin, to see both and the right price.
- Mortgage Calculator: Enter the home price, down payment, interest rate and term. The calculator shows your monthly mortgage payment, with property tax and insurance added.
- SIP Calculator: Enter a monthly amount, an expected yearly return and the number of years. The tool shows the future value, the total you invested and the estimated gain.
- Break Even Calculator: Enter your fixed costs, price per unit and variable cost per unit. The tool shows how many units you must sell to cover all costs and the sales that equals.
- Savings Goal Calculator: Enter your goal, current savings, yearly interest and time in years. The tool tells you how much to save each month to reach the goal.
- Zakat Calculator: Enter your cash, gold, silver, investments, business assets, receivables and debts, plus the price of gold or silver per gram. The tool shows whether you reach nisab and the zakat due.
- Currency Converter: Enter an amount, choose two currencies and the tool fetches the latest exchange rate and shows the result, the rate both ways and a table of other popular currencies.
How to choose the right tool
For borrowing, use the loan EMI calculator or the mortgage calculator. For saving, compare the simple and compound interest calculators to see the effect of compounding. For business, use ROI and profit margin and markup. For shopping and invoices, use the discount and VAT calculators. To compare job offers, use the hourly to salary calculator.
Always confirm final figures with your lender, bank or accountant.
Frequently asked questions
Are the results exact?
They follow standard formulas. Real offers can differ because of fees, rounding and rate changes.
Is any data stored?
No. Calculations happen in your browser.
What is the difference between simple and compound interest?
Simple interest is earned on the original amount only. Compound interest is also earned on past interest.
Can I use these for Islamic finance?
The loan and interest calculators show conventional interest. Check with a qualified scholar or your bank for Shariah compliant products.
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