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Finance calculators

TudoCalc's finance calculators help you plan and decide with real numbers: compound interest, mortgage, take-home pay, profit margin and more. Each runs instantly and free, right in your browser — no sign-up, no spreadsheets.

Compound interest

See how your money grows over time with monthly contributions and an evolution chart.

Simple interest

Calculate simple interest and the final amount from principal, rate and time.

Loan (SAC and Price)

Simulate the installments of a mortgage or car loan in the SAC and Price systems.

Profit margin

Calculate profit, profit margin and markup from cost and selling price.

CAGR (annual growth)

Calculate the compound annual growth rate (CAGR) of an investment between two values.

ROI (return on investment)

Calculate the return on investment (ROI) and profit from the amount invested and the amount returned.

APY (effective rate)

Convert a nominal annual rate into the effective yield (APY) based on the compounding frequency.

Rule of 72

Find out how long an investment takes to double, triple or quadruple at a given interest rate.

Interest rate converter

Convert equivalent rates between day, month and year under compound interest. Example: 1% a month equals 12.68% a year — not the 12% you would expect.

Present value

Find out how much to invest today to reach a future amount, given the rate and term.

Freelance hourly rate

Find out how much to charge per hour from your monthly income goal and the hours you work.

50/30/20 budget

Split your monthly income by the 50/30/20 rule: needs, wants and savings/debt.

Dividend yield

Calculate a stock's dividend yield and how much you would receive from dividends on an investment.

Savings goal

Find out how much to save each month to reach a goal by a deadline, accounting for returns.

Millionaire calculator

See how long your first million takes with your monthly contributions and compound interest. Example: $1,000 a month at 10% a year gets there in ~23 years.

Purchasing power (inflation)

See what your money will be worth in the future at an estimated inflation rate — and how much you'll need to keep the same purchasing power.

Extra payments

See how many months and how much interest you save by paying extra on your loan every month.

Cash vs installments

Find out whether to pay cash (with a discount) or pay in installments and keep your money invested.

Late payment interest

Calculate the updated value of an overdue debt with penalty and interest.

Profit sharing

Split a profit (or cost) among partners in proportion to what each invested.

Prorated rent

Calculate rent for a partial month, paying only for the days occupied.

Debt-to-income

See how much of your income goes to payments and your healthy maximum installment.

Overtime pay

Work out your overtime pay from your regular hourly rate, the overtime multiplier and the number of hours.

Pay raise

See your new salary after a percentage raise and how much it adds per month and per year.

Break-even point

Find how many units you need to sell to cover costs and start making a profit.

Paycheck (take-home)

Estimate US take-home pay after federal income tax, FICA and state tax.

Mortgage

Calculate your monthly mortgage payment (PITI) and total interest for a US home loan.

Auto loan

Calculate your monthly car loan payment and total interest.

401(k)

Project your 401(k) balance with annual contributions, employer match and growth.

Credit card payoff

See how long it takes to pay off your credit card and how much interest you pay.

Salary ↔ hourly

Convert an annual salary to an hourly wage and vice versa, based on hours and weeks worked.

Sales tax

Calculate US sales tax and the total price from the amount and the tax rate.

Which calculator for which situation

There are dozens of calculators here, and most questions fall into one of five paths:

  • Salary and offers. Start with paycheck to see what actually lands in the account, and salary to hourly when comparing a job offer against contract work.
  • Borrowing. Mortgage and auto loan break the payment into interest and principal month by month; extra payment shows how much each additional dollar of principal saves in interest; credit card payoff answers the question that saves the most money of all.
  • Investing. Compound interest and savings goal project forwards; 401(k) models the contribution and employer match; CAGR and ROI assess what already happened.
  • Large purchases. Present value compares amounts at different dates; purchasing power shows what inflation does to a number over time.
  • Running a business. Profit margin, break-even and hourly rate cover pricing, fixed costs and what your time is worth.

The three errors that show up most

Confusing APR with APY. A nominal 12% APR compounded monthly returns 12.68% over the year. Institutions quote APY when they want your deposit and APR when they are lending — checking which one is on the page is half the comparison.

Comparing offers by the headline rate. The comparable number is the disclosed APR, which folds in points and required fees. Two loans at the same interest rate with different fee structures have different APRs.

Forgetting tax and inflation. A 12% gross return, taxed and then adjusted for 3% inflation, delivers far less than 12% of purchasing power. Long projections should be run at a real rate.

Estimates, not statements

Every calculator states the formula it uses and shows the reference year for any figure that changes annually — tax brackets, contribution limits, wage bases. A page that has gone out of date is visibly out of date rather than silently wrong. Where a number depends on your state or your specific plan, the page says so.

Frequently asked questions

Can I use these results for filing or applications? No. They are orientation estimates: state taxes, deductions, benefit elections and contract specifics all move the number. For taxes, severance and lending, confirm with an accountant, HR or the lender.

Is my data stored? It never leaves your browser. Every calculator runs locally — salary, debt and net worth are not sent to any server.

Where do I start if I do not know what I need? With the 50/30/20 budget. It sorts income into three blocks and usually reveals which of the other calculators is the urgent one.

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