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Finance & Investment Tools
Fifteen finance calculators that show their working: simple interest, CAGR, IRR and XIRR, break-even, present and future value, annuities, bond and dividend yield, inflation, fee drag, debt snowball and avalanche, and rent versus buy.
About these tools
All fifteen calculators share one time-value-of-money engine, so the same cash flows give the same answer on every page, and the IRR and XIRR solvers match the conventions spreadsheet functions use. Each result comes with its formula, the rounding applied and a table you can check line by line.
These are educational calculators, not financial advice. They use only the figures you enter - no live prices, rates or market data - and everything stays in your browser.
Popular tasks
All Finance & Investment Tools
- Simple Interest Calculator Calculate simple interest and the total repayable from principal, rate and time in days, months or years - or solve for the missing rate, time or principal - with day-count options and the formula.
- CAGR Calculator Calculate compound annual growth rate from a start value, end value and period in years or exact dates, compare it with the simple average growth, and project the value forward at that rate.
- IRR Calculator Calculate the internal rate of return for periodic cash flows, see the NPV profile across discount rates, and get a warning when sign changes allow more than one IRR - matching spreadsheet IRR.
- XIRR Calculator Calculate XIRR, the annualised return for cash flows on irregular dates such as SIP instalments and withdrawals, using the same actual/365 convention as spreadsheets, with the solver's working shown.
- Break-Even Point Calculator Find the break-even point in units and revenue from fixed costs, price and variable cost per unit, with contribution margin, margin of safety, target-profit volume and a cost-volume-profit chart.
- Present Value Calculator Discount a future lump sum or a stream of payments to present value at a chosen rate and compounding frequency, including growing payments and payments at the start of each period.
- Future Value Calculator Project the future value of a lump sum and regular contributions with any compounding frequency, contribution timing and annual step-up, with the year-by-year balance and total interest.
- Annuity Calculator Solve an annuity for the payment, present value, future value, rate or number of periods, for ordinary annuities or annuities due, with a payout schedule showing interest and balance.
- Bond Yield Calculator Calculate a bond's current yield, yield to maturity and yield to call from price, coupon, frequency and dates, with accrued interest, clean and dirty price, and a price-yield chart.
- Dividend Yield Calculator Calculate dividend yield from share price and annual dividend or per-payment amounts, yield on cost, payout ratio from earnings, annual income for a holding, and reinvested growth over time.
- Inflation Impact Calculator See what inflation does to money over time: future cost of today's prices, lost purchasing power of savings, and the real return on an investment, at an inflation rate you enter or vary by year.
- Investment Fee Impact Calculator Compare how annual expense ratios, advisory fees and transaction costs reduce a portfolio over time, with the ending balance for each fee level and the total lost to fees and foregone growth.
- Debt Snowball Calculator Build a debt snowball plan: pay minimums on every debt and put the extra towards the smallest balance first, with the payoff month for each debt, total interest and a month-by-month schedule.
- Debt Avalanche Calculator Plan a debt avalanche: extra payments go to the highest-APR debt first, with payoff dates, total interest, and a side-by-side comparison with the snowball order for the same budget.
- Rent vs Buy Calculator Compare renting with buying over your time horizon: deposit and mortgage, taxes, maintenance, insurance, price and rent growth, selling costs, and the return on money not spent as a deposit.
- APR Calculator Work out the real annual percentage rate of a loan once processing fees, insurance and other upfront charges are counted, compare it with the advertised interest rate, and see the extra cost in money.
- Amortization Schedule Calculator Build a full loan amortization table month by month or year by year, add one-off or recurring extra payments, and see how much interest and how many months they save, with CSV export and a printable schedule.
- Zero-Based Budget Calculator Build a zero-based budget: enter monthly income, assign every unit of it to bills, savings, debt and spending until the remainder is exactly zero, and see where you are over, under and how the plan splits by category.
- Zero-Percent Balance Transfer Calculator See whether moving a credit card balance to a 0% or low-rate offer really saves money: transfer fee, promotional period, revert rate and your monthly payment, against keeping the card you have, month by month.
- Zero-Cost EMI Calculator Check what a no-cost or zero-interest EMI offer really costs: the interest built into the price or given as a discount, GST charged on that interest, the processing fee and any cash discount you give up, against paying upfront.
- Zakat al-Fitr Calculator Work out Zakat al-Fitr (Fitrana) for everyone you pay for: the staple-food measure per person in kilograms, its cash value at the local price you enter, and the household total, with the main school differences explained.
- Mortgage Affordability Calculator Find the home price you can afford from income, debts, deposit and the rate on offer, using the front-end and back-end debt-to-income limits lenders apply, with taxes, insurance and the monthly payment broken down.
- Mutual Fund Lumpsum Calculator Estimate what a one-time mutual fund investment could grow to at an assumed annual return, after expense ratio, inflation and tax if you choose, with a year-by-year table and a comparison against investing the same total by SIP.
- Depreciation Calculator Build a depreciation schedule for an asset by straight-line, written-down value, double-declining balance, sum-of-years-digits or units of production, with salvage value, part-year use and a year-by-year table to export.
- Debt-to-Income Ratio Calculator Calculate your debt-to-income ratio from monthly debt payments and gross income, the front-end housing ratio and back-end total ratio lenders look at, and how much debt or income would bring you under a target.
- Discounted Cash Flow (DCF) Calculator Value a company or project with a discounted cash flow model: free cash flow growth in two stages, a discount rate, terminal growth or exit multiple, net debt and share count, giving intrinsic value per share and a sensitivity grid.
- Down Payment Calculator Work out the down payment for a home, car, bike or phone loan at any percentage, the loan and EMI that leaves, how long saving for it will take at your monthly rate, and how a bigger deposit cuts the interest paid.
- Savings Goal Calculator Find how much to save each month to reach a goal by a date - with what you already have, the interest it earns and inflation - or how long a fixed monthly saving takes, with a progress chart and milestones.
- Sukanya Samriddhi Yojana Calculator Estimate the maturity value of a Sukanya Samriddhi account from the yearly deposit, the girl's age and the current rate - deposits for 15 years, maturity at 21 years - with a year-by-year table and the dated rate source.
- Stock Average Calculator Find your average buy price across several purchases of a share, how many shares to buy at today's price to bring the average down to a target, and the break-even and profit or loss including brokerage.
- SWP Calculator Plan a systematic withdrawal from a mutual fund corpus: monthly withdrawals, optional yearly step-up for inflation, the assumed return, how long the money lasts and the balance left, with a month-by-month table.
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Related A2Z.Tools utilities
- Compound Interest Calculator
- NPV Calculator
- SIP Calculator
- Mortgage Calculator
- Loan EMI Calculator
- ROI Calculator
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