Choose the right tool
Start with the tool whose input field best matches your financial assumptions. This avoids unnecessary options and gets you to a reliable result faster.
Overview
Free finance calculators for loans, mortgages, retirement, investments, budgeting, and more — fast, private, easy to use.
Estimate retirement capital, supportable monthly income and a funding gap from savings, contributions, returns, inflation and other income.
Compare avalanche, snowball and a custom order for up to 25 debts, including payoff time, interest and schedule.
Plan a monthly budget from net income, needs, wants and financial goals, with an optional detailed frequency-based breakdown.
Calculate amount financed, monthly payment, interest and total payments for a vehicle purchase.
Calculate final balance, contributions and interest from a starting amount, annual rate, term and optional recurring deposits, fully local in your browser.
Calculate payments, total interest and repayment with optional extra payments, fully local in your browser.
Calculate payment, remaining balance, interest and amortization from the loan amount, annual rate and initial repayment, fully locally.
Calculate the loan amount, monthly payment, total interest and balance from property price, down payment, rate and term, fully locally.
Calculate how much to save each month for your goal using current savings, time, interest and optional inflation.
Calculate net, tax and gross amounts from any VAT or GST rate entirely locally.
Calculate gross profit margin, profit, markup and target prices entirely locally.
Calculate how constant inflation or deflation changes prices and purchasing power over time.
Calculate ending value, contribution, starting amount, return or duration for a simplified investment plan.
Calculate ROI, net profit and optional annualized return for an investment entirely locally.
Calculate projected balance, contributions and interest from current savings, a monthly contribution, time and annual interest.
Compare loan term, interest and balance with and without one-off or recurring overpayments.
Estimate how long a credit card balance will take to repay, the interest charged and how a higher payment or promotional rate changes the result.
Calculate compound annual growth rate, total growth, an ending value, a beginning value or the required duration.
Convert nominal, effective, periodic and continuously compounded interest rates using the compounding frequency.
Compare an investment plan’s ending value with and without ongoing, one-time and transaction fees.
Calculate net worth from assets and liabilities using quick totals or a detailed category breakdown.
Calculate break-even units, revenue and contribution margin, with optional target profit and margin of safety.
The finance tools support calculations for loans, mortgages, interest, savings goals, investments, fees, inflation, budgets, net worth, and debt payoff. They provide quick guidance for personal finance planning, household decisions, and offer comparisons.
The results do not replace financial advice, but they make assumptions visible: term, payment, interest rate, lump sum, recurring contribution, fees, or inflation. This makes scenarios easier to compare and discussions easier to prepare.
Start with the tool whose input field best matches your financial assumptions. This avoids unnecessary options and gets you to a reliable result faster.
For important data, compare the result with a small example or known reference value, especially when rounding, formatting, or file size matters.
For sensitive content, browser-based tools are especially useful because inputs or files are usually processed locally and do not need to be prepared for an account.
Compare monthly payments, total costs, overpayments, credit card payoff, and amortization schedules across different offers.
Model compound interest, savings goals, returns, fees, CAGR, and inflation to understand long-term effects more realistically.
Calculate budgets, net worth, debt payoff, VAT/GST, and profit margins so income, expenses, and goals become clearer.
Yes. The tools on Xoricon can be used without signing in and are designed for quick tasks in the browser.
Most tools in this category run locally in the browser. If a tool requires a different processing model, the individual tool page should make that visible.
Choose the tool based on your source material and the result you need. Each tool card states the main purpose and links directly to the matching input interface.