Compound interest calculator
Principal, a fixed annual rate, and an optional contribution at the end of each compounding period.
Free finance calculators that show their working
Tax, retirement, investing, mortgage and currency calculators. Enter your numbers and get results instantly, free and with no sign-up. Every calculator shows its formula and assumptions, so you know where the numbers come from. Region-specific tools are grouped under Tools by region.
General calculators
Mortgage calculator
Monthly repayment, total interest, and a year-by-year amortization.
FIRE and retirement calculator
A savings target from spending and a withdrawal rate, and the years to reach it.
US dividend withholding tax
Gross dividend, US tax withheld, and the yield left for a non-US investor. Hong Kong residents are at the 30% statutory rate.
Currency conversion cost calculator
Mid-market rate, a provider rate or markup, and fees. Shows what you receive and the true cost.
Dollar-cost averaging (DCA) calculator
A regular contribution at a fixed annual return, with an optional fee and the same total invested at the start.
Rent vs buy calculator
Compare buying a home with renting and investing the difference: net worth, break-even year, total costs and a year-by-year table.
Debt payoff calculator
Months to clear one balance, the interest, and a payoff date from the APR and your payment.
APR calculator
Nominal APR and effective annual rate once an upfront fee is included.
Inflation / purchasing power calculator
Later amount with the same buying power, and the real value of a fixed sum, at an annual rate you enter.
Trip budget calculator
Days times daily local costs, plus flight, visa and insurance, then a buffer percent, in your home currency.
Hong Kong
Hong Kong salaries tax 2025/26
Progressive rates, the two-tiered standard rate, allowances, the mandatory MPF cap, and the 2025/26 tax reduction.
Hong Kong MPF calculator
Mandatory employee and employer contributions, the tax-deduction caps, and a projected balance at retirement.
United States
US Take-Home Pay Calculator 2026
Federal income tax, Social Security, Medicare and state tax on a 2026 US salary, with 401(k), HSA, Child Tax Credit and age 65+ deductions, per paycheck and per year.
United Kingdom
UK Take-Home Pay Calculator 2026/27
Income Tax, National Insurance, pension and student loan deductions on a 2026/27 UK salary, with Scottish bands and the £100,000 taper, per year, month and week.
Canada
Canada Take-Home Pay Calculator 2026
Estimate 2026 take-home pay in Ontario, British Columbia or Alberta after federal and provincial tax, CPP, CPP2 and EI on one employment salary.
Japan
Japan Take-Home Pay Calculator 2026
Social insurance, income tax after year-end adjustment, and an estimate of resident tax for a 2026 salary in Japan.
Japan Furusato Nozei Ceiling Calculator 2026
Estimate your 2026 hometown-tax donation ceiling (控除上限の目安) and the ¥2,000 self-burden for a salaried employee in Japan.
Korea
Korea Salary Take-Home Calculator 2026
Pension, health insurance, long-term care, employment insurance, and withholding tax on a 2026 salary in Korea.
Tools by region
Place-specific calculators are grouped by region.
Latest guides
Pattern Day Trader (PDT) rule explained — and what replaced it in 2026
What the classic FINRA Pattern Day Trader $25,000 equity threshold and four day trades in five business days meant for small US margin accounts, plus the June 2026 intraday-margin replacement and firm phase-in through October 2027. Education only.
Japan furusato nozei donation limit 2026: what the ceiling estimate means
How the 2026 hometown-tax (ふるさと納税) deductible donation ceiling is estimated for a salaried employee — the ¥2,000 self-burden, what the calculator assumes, and a worked FN-A example matching the live tool.
How inflation erodes purchasing power: fixed cash, real vs nominal
Why a cash pile that never changes on paper buys less over time — real versus nominal value, one lunch-and-cash worked example that matches the live inflation calculator, and what the tool leaves out.
Trip budget with an FX buffer: a 7–14 day worked example
Plan a trip when the mid-market rate is not what your card will use. Worked 7–14 day tables with a buffer percent labelled as an assumption, plus how DCC and card spreads sit outside the budget total.
FX FAQ: spread vs fee vs DCC — a traveller’s checklist
FAQ-first guide to exchange-rate spread, explicit fees and dynamic currency conversion (DCC). What card schemes say merchants must show, when you can decline, plus an illustrative HK$10,000→USD worked table and a terminal decision checklist.
Canada take-home pay 2026: federal tax, CPP, CPP2 and EI
How a 2026 Canadian employment salary becomes take-home pay after federal and provincial tax, CPP, CPP2 and EI. Worked example: Ontario CA$60,000 keeps CA$47,339.76.
500 a month for five years vs 30,000 once
At a fixed 7% a year, end-of-month deposits, no fees: 500 a month for five years grows to about 35,597.93 (30,000 contributed, 5,597.93 growth). The same 30,000 invested once at the start reaches about 42,076.55.