Finance
Loan calculators, interest tools, currency converters, and tax estimators.
64 tools available
The Finance tools model the maths behind money decisions: mortgage and loan amortization, compound interest, savings growth, currency conversion, ROI, tax and tip estimates, and more. Each turns a formula most people only half-remember into a clear schedule of payments, interest, and balances you can actually plan around.
Two ideas do most of the heavy lifting. Compound interest — interest earning interest — is why long-term saving works and why high-interest debt is dangerous; the frequency of compounding measurably changes the outcome. Amortization explains why early loan payments are mostly interest and later ones mostly principal. These calculators expose the full breakdown rather than a single headline number, so you can compare offers honestly. All processing is local — your salary, balances, and loan figures never touch a server.
How compounding frequency changes returns
Effective annual yield on a 6% nominal rate, by how often interest compounds.
| Compounding | Periods / year | Effective annual yield (6% nominal) |
|---|---|---|
| Annually | 1 | 6.000% |
| Quarterly | 4 | 6.136% |
| Monthly | 12 | 6.168% |
| Daily | 365 | 6.183% |
| Continuously | ∞ | 6.184% |
More frequent compounding helps savers and costs borrowers — always compare the effective (APY), not just the nominal rate.