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Financial Calculators

Professional financial planning tools to help you make informed money decisions. Calculate loans, mortgages, investments, and more with our accurate calculators.

Financial Planning Tools

Mortgage Calculator

Real Estate

Calculate monthly mortgage payments, total interest, and amortization schedules for home loans.

Key Features:

  • • Monthly payments
  • • Total interest
  • • Amortization schedule
  • • PMI calculations
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Loan Calculator

Lending

Calculate payments for auto loans, personal loans, student loans, and business loans.

Key Features:

  • • Auto loans
  • • Personal loans
  • • Student loans
  • • Payment schedules
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Compound Interest Calculator

Investing

See how your investments grow with compound interest over time.

Key Features:

  • • Investment growth
  • • Compound frequency
  • • Time value analysis
  • • Goal planning
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Percentage Calculator

General Math

Calculate percentages, increases, decreases, and percentage differences.

Key Features:

  • • Basic percentages
  • • Percentage change
  • • Discount calculations
  • • Tax calculations
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Tip Calculator

Everyday Finance

Calculate tips and split bills among multiple people for dining and services.

Key Features:

  • • Tip calculations
  • • Bill splitting
  • • Service charges
  • • Group dining
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Financial Planning Made Simple

1. Home Ownership Planning

Use our mortgage calculator to determine how much house you can afford, calculate monthly payments, and understand the total cost of homeownership including taxes and insurance.

Pro Tip: Aim for housing costs no more than 28% of your gross monthly income.

2. Debt Management

Our loan calculator helps you compare different loan options, understand interest costs, and plan repayment strategies for auto loans, personal loans, and student debt.

Strategy: Pay off high-interest debt first to minimize total interest paid.

3. Investment Growth

The compound interest calculator shows how your investments can grow over time. Start early and contribute regularly to maximize the power of compounding.

Remember: Time in the market beats timing the market for long-term growth.

4. Everyday Financial Decisions

Use percentage and tip calculators for daily financial decisions like calculating discounts, tax amounts, service tips, and splitting bills with friends.

Habit: Always calculate the true cost before making purchasing decisions.

Essential Financial Formulas

Monthly Payment Formula

M = P × [r(1+r)^n] / [(1+r)^n - 1]

Where M = monthly payment, P = principal, r = monthly rate, n = number of payments

Compound Interest Formula

A = P(1 + r/n)^(nt)

Where A = final amount, P = principal, r = annual rate, n = compounds per year, t = time

Present Value Formula

PV = FV / (1 + r)^n

Where PV = present value, FV = future value, r = interest rate, n = periods

Debt-to-Income Ratio

DTI = (Total Monthly Debt / Gross Monthly Income) × 100

Lenders typically prefer DTI ratios below 36% for loan approval

Smart Financial Habits

Building Wealth

  • • Pay yourself first - save before spending
  • • Invest consistently, regardless of market conditions
  • • Take advantage of employer 401(k) matching
  • • Diversify your investment portfolio
  • • Review and rebalance annually

Managing Debt

  • • Pay more than the minimum payment
  • • Focus on high-interest debt first
  • • Consider debt consolidation options
  • • Avoid taking on unnecessary debt
  • • Build an emergency fund to avoid debt

Quick Financial Tools

MortgageLoan CalculatorInvestmentsPercentage