Overview

Finance

Free finance calculators for loans, mortgages, retirement, investments, budgeting, and more — fast, private, easy to use.

Tools

Retirement Calculator

Estimate retirement capital, supportable monthly income and a funding gap from savings, contributions, returns, inflation and other income.

Debt Payoff Calculator

Compare avalanche, snowball and a custom order for up to 25 debts, including payoff time, interest and schedule.

Budget Calculator

Plan a monthly budget from net income, needs, wants and financial goals, with an optional detailed frequency-based breakdown.

Auto Loan Calculator

Calculate amount financed, monthly payment, interest and total payments for a vehicle purchase.

Compound Interest Calculator

Calculate final balance, contributions and interest from a starting amount, annual rate, term and optional recurring deposits, fully local in your browser.

Loan Calculator

Calculate payments, total interest and repayment with optional extra payments, fully local in your browser.

Loan Amortization Calculator

Calculate payment, remaining balance, interest and amortization from the loan amount, annual rate and initial repayment, fully locally.

Mortgage Calculator

Calculate the loan amount, monthly payment, total interest and balance from property price, down payment, rate and term, fully locally.

Savings Goal Calculator

Calculate how much to save each month for your goal using current savings, time, interest and optional inflation.

VAT / GST Calculator

Calculate net, tax and gross amounts from any VAT or GST rate entirely locally.

Profit Margin Calculator

Calculate gross profit margin, profit, markup and target prices entirely locally.

Inflation Calculator

Calculate how constant inflation or deflation changes prices and purchasing power over time.

Investment Calculator

Calculate ending value, contribution, starting amount, return or duration for a simplified investment plan.

ROI Calculator

Calculate ROI, net profit and optional annualized return for an investment entirely locally.

Savings Calculator

Calculate projected balance, contributions and interest from current savings, a monthly contribution, time and annual interest.

Loan Overpayment Calculator

Compare loan term, interest and balance with and without one-off or recurring overpayments.

Credit Card Payoff Calculator

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.

CAGR Calculator

Calculate compound annual growth rate, total growth, an ending value, a beginning value or the required duration.

Nominal and Effective Interest Rate Calculator

Convert nominal, effective, periodic and continuously compounded interest rates using the compounding frequency.

Investment Fee Calculator

Compare an investment plan’s ending value with and without ongoing, one-time and transaction fees.

Net Worth Calculator

Calculate net worth from assets and liabilities using quick totals or a detailed category breakdown.

Break-Even Calculator

Calculate break-even units, revenue and contribution margin, with optional target profit and margin of safety.

Finance: overview and choosing the right tool

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.

How to choose the right tool

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.

Check the result

For important data, compare the result with a small example or known reference value, especially when rounding, formatting, or file size matters.

Consider privacy

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.

Common tasks

Compare loans

Compare monthly payments, total costs, overpayments, credit card payoff, and amortization schedules across different offers.

Save and invest

Model compound interest, savings goals, returns, fees, CAGR, and inflation to understand long-term effects more realistically.

Plan a budget

Calculate budgets, net worth, debt payoff, VAT/GST, and profit margins so income, expenses, and goals become clearer.

Frequently asked questions

Are the finance calculators free?

Yes. The tools on Xoricon can be used without signing in and are designed for quick tasks in the browser.

Are my inputs uploaded?

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.

Which tool should I open first?

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.