Finance Calculators
Plan your money with confidence. These 15 finance calculators cover mortgages, salary and take-home pay, loans, saving and investing, and tax — all using the same formulas banks, payroll systems and tax authorities rely on. No signup, no clutter, just the numbers.
Mortgage & Home
Mortgage calculator
Monthly payment, total interest and full amortization.
Stamp duty calculator
Calculate UK Stamp Duty Land Tax for 2026/27.
Salary & Income
Take-home pay
US & UK salary after tax, per month and per week.
Hourly to salary
Convert your hourly wage to annual, monthly and weekly pay.
Overtime calculator
Calculate overtime pay at time-and-a-half or double time.
Loans & Debt
Saving & Investing
Compound interest
See how your savings grow over time with compounding.
Retirement calculator
Project your 401(k) and IRA savings growth to retirement.
Investment calculator
Project your portfolio growth with compound returns.
Roth IRA calculator
Project tax-free growth on your Roth IRA contributions.
Budget calculator
Split your income with the 50/30/20 budget rule.
College cost calculator
Project 4-year college cost and your savings gap.
Tax
VAT calculator
Add or remove UK VAT at 20% from any price.
Sales tax calculator
Calculate total price after US state sales tax.
Capital gains tax calculator
Estimate short-term and long-term capital gains tax.
How to choose the right finance calculators
Start with what you're trying to decide, not the tool name. If you're comparing whether to buy a home, the mortgage calculator gives you the monthly payment and total interest, while the stamp duty calculator (UK) adds the one-off purchase tax on top so you can see the full cost of buying, not just the monthly repayment.
If the question is about your paycheck, the take-home pay calculator converts a gross salary (US or UK) into what actually lands in your bank account after tax and deductions. Paid hourly instead? Use the hourly to salary calculator to convert to an annual figure first, and the overtime calculator if extra hours are involved.
Carrying a loan or thinking about one? The loan calculator breaks a car or personal loan into its interest and principal components so you know exactly what you're paying for the credit.
For growing money rather than spending it, the compound interest calculator is the simplest starting point — plug it into a retirement calculator or Roth IRA calculator once you have a specific account type and time horizon in mind. Saving for a degree instead of retirement? The college cost calculator projects the 4-year total and flags any savings gap early.
Finally, the tax tools are region-specific: VAT and stamp duty are UK-only, sales tax is US-only by state, and capital gains tax covers both systems — check which region applies to you before reading the result.
Frequently asked questions
Are these finance calculators specific to one country?
No — most work for both the US and UK (mortgage, loan, compound interest, retirement, budget). A few are region-specific: VAT and Stamp Duty are UK-only, and Sales Tax is US-only by state. Each calculator page states which region it applies to.
Do these calculators give financial advice?
No. They perform standard, transparent calculations using formulas your bank, payroll provider or tax authority already uses. They're for informational purposes only and don't replace advice from a licensed financial advisor or accountant.
How accurate is the take-home pay calculator?
It uses current published tax bands and standard deduction rules for the US or UK. It's a strong estimate for planning purposes, but your actual payslip can vary slightly based on employer-specific deductions, benefits and local factors.
Can I use the mortgage calculator for a UK mortgage?
Yes — it supports both US and UK repayment mortgage structures. Pair it with the Stamp Duty calculator to see the full one-off cost of a UK home purchase, not just the monthly payment.