Finance and Money Tools
Calculators for loans, interest, tax, and everyday money decisions.
5 tools available
Percentage Calculator
Work out percentages quickly. Find a percentage of a number, what percent one number is of another, and percentage increase or decrease.
Discount Calculator
Work out the final price, the amount saved, and the savings percentage from one or two discounts.
Sales Tax Calculator
Add or remove sales tax at any rate and see the pre-tax amount, tax amount, and total.
VAT Calculator
Add or remove VAT at any rate and see the net, VAT, and gross amounts.
Loan Payment Calculator
Estimate the monthly payment on a loan from amount, rate, and term.
About Finance and Money Tools
From working out your monthly loan repayment to calculating how much VAT to add to an invoice, everyday financial decisions are easier when you have the right numbers fast. These free finance calculators cover the most common money calculations people need: loan payments using the standard amortisation formula, sales tax and VAT at any rate, percentage changes, and proportion calculations. All tools run client-side in your browser - your financial data is never sent to any server. Results are estimates based on your inputs; for advice specific to your situation, consult a qualified financial professional.
Who uses these tools?
- Borrowers comparing the monthly payment and total interest cost of loans at different rates and terms
- Business owners adding or removing VAT from invoices and quotes quickly
- Shoppers calculating whether a discount actually represents good value
- Freelancers working out what percentage of revenue to set aside for tax
- Anyone doing a quick percentage or proportion calculation without opening a spreadsheet
Frequently asked questions
- How is a monthly loan payment calculated?
- Monthly loan payments use the standard amortisation formula: M = P x [r(1+r)^n] / [(1+r)^n - 1], where P is the principal, r is the monthly interest rate (annual rate divided by 12), and n is the number of months. Each payment covers the month's interest first; the remainder reduces the principal. The Loan Payment Calculator does this automatically.
- What is the difference between sales tax and VAT?
- Sales tax is collected at the point of sale from the consumer and paid to the government by the retailer. It is common in the United States. VAT (Value Added Tax) is collected at every stage of production and supply, with businesses reclaiming the tax they pay on purchases. VAT is the standard in the EU, UK, and many other countries. Both are ultimately borne by the end consumer, but the mechanics differ significantly.
- Are the results financial advice?
- No. All calculators provide mathematical estimates based on the numbers you enter. They do not account for your personal tax situation, creditworthiness, country-specific regulations, or other factors a financial adviser would consider. Use these results as a starting point, not a final answer.