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Finance & Business Tools

Global finance and business calculators for loans, mortgages, investing, savings, tax, salary, pricing and financial planning.

Mortgage Calculator

Estimate principal, interest, recurring housing costs and extra-payment scenarios for a home loan.

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Loan / EMI Calculator

Calculate estimated loan payments, EMI, total repayment and total interest using your loan amount, annual interest rate, tenure and payment frequency.

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Compound Interest Calculator

Calculate compound interest and project growth with an initial amount, regular contributions, interest rate, compounding frequency and time period.

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Income Tax Calculator

Estimate U.S. federal income tax for 2025 or 2026 using filing status, progressive brackets, deductions, the enhanced senior deduction and tax credits.

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Salary Calculator

Convert gross salary between annual, quarterly, monthly, semi-monthly, bi-weekly, weekly, daily and hourly pay.

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Investment Calculator

Model investment growth and solve for future value, contribution, starting amount, return rate or time.

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Savings Calculator

Project future savings from a starting balance and regular contributions.

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Auto Loan Calculator

Estimate vehicle financing after considering price, down payment, net trade-in value, incentives, user-supplied sales tax and fees.

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Retirement Calculator

Build a retirement scenario using age, retirement age, life expectancy, income growth, replacement income, savings, contributions, investment return and inflation.

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Interest Calculator

Project account or investment growth from an initial amount and regular contributions while selecting compounding frequency and contribution timing.

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Amortization Calculator

Calculate a loan payment schedule and see how principal, interest and extra payments affect the balance.

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Simple Interest Calculator

Calculate simple interest and total amount from principal, rate and time.

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Inflation Calculator

Estimate future purchasing cost or past purchasing-power value using a user-supplied average inflation rate and time horizon.

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Investment Return Calculator

Calculate investment gain or loss, total return (ROI) and annualized return (CAGR) from starting value, ending value and holding period.

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Sales Tax Calculator

Calculate sales tax from a before-tax price or recover the before-tax price and tax component from a tax-inclusive total.

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VAT Calculator

Calculate VAT and total price from a user-supplied VAT rate.

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GST Calculator

Calculate GST amount, final price and GST-inclusive base price.

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Payment Calculator

Calculate the payment required for a chosen loan term or estimate payoff time from a fixed monthly payment.

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Interest Rate Calculator

Estimate the mathematical rate implied by a loan amount, fixed monthly payment and number of payments.

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Profit Margin Calculator

Calculate profit, profit margin and markup from sales and cost, with clear formulas for pricing decisions.

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Break-Even Calculator

Calculate break-even units, revenue and contribution from fixed costs, variable cost and selling price.

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Markup Calculator

Calculate markup, profit margin and selling price from cost and pricing assumptions.

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Commission Calculator

Calculate commission earned from sales and a percentage rate.

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Finance Calculator

Solve present value, future value, periodic payment, annual interest rate or number of periods using a time-value-of-money model.

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Finance & Business

Finance calculators for loans, savings, taxes and business planning

Tervilo brings common finance calculations together for loans, mortgages, amortization, interest, investment growth, savings, salary, taxes and business planning. Enter your assumptions to estimate a result and use the related guide when you need the formula or method explained.

Financial calculations are estimates based on the inputs and assumptions you provide. Rates, fees, tax rules, lender terms and investment outcomes vary by country and situation, so verify important figures and applicable rules before making a financial, tax, lending or investment decision.

Finance & Money guides

Understand the formulas behind common finance calculations and the assumptions that can change the result.

How to Calculate Investment Return and Annualized Return Learn how to calculate investment gain and total return, why time matters, and when annualized return is more useful for comparison. Salary Calculator Guide: Annual, Monthly, Bi-weekly and Hourly Pay Learn how to convert gross salary between common pay frequencies and understand the difference between bi-weekly and semi-monthly pay. How to Calculate Investment Growth With Regular Contributions Learn how starting capital, recurring contributions, return assumptions, contribution timing and compounding interact when projecting investment growth. How to Calculate VAT: Formula, Inclusive Price and Total Learn how to calculate VAT on a tax-exclusive amount, extract VAT from a tax-inclusive price, and understand the assumptions behind the calculation. How to Calculate Profit Margin: Formula, Gross Profit and Example Learn how to calculate profit and profit margin, distinguish margin from markup, and choose the cost definition that matches the business question. How to Calculate the Inflation-Adjusted Value of Money Learn how to estimate future cost and purchasing-power changes using an assumed inflation rate, with formulas, examples and important limitations. How to Calculate Simple Interest: Formula, Examples and Total Amount Learn the simple-interest formula, calculate interest and total amount from principal, rate and time, and understand when the model is appropriate. How to Read a Loan Amortization Schedule: Principal, Interest and Balance Learn how to read each payment in an amortization schedule, identify principal and interest, track the remaining balance and compare the cost of different loan terms. How to Calculate Break-Even Point: Units, Revenue, Formula and Example Learn how to calculate the break-even point in units and revenue using fixed costs, variable cost per unit and selling price, with a practical business example. How to Calculate Compound Interest: Formula, Examples and Compounding Frequency Learn how compound interest is calculated, how compounding frequency changes growth, and how regular contributions affect a future balance. How to Calculate a Mortgage Payment: Formula, Taxes, Insurance and Examples Learn how to estimate a mortgage principal-and-interest payment, account for down payment and recurring housing costs, and compare different rates and terms. How to Calculate Loan EMI: Formula, Example & Total Interest Learn how to calculate loan EMI step by step, convert an annual interest rate to a monthly rate, compare loan terms, and estimate total interest and repayment.

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