Free financial calculators online

Compound interest

Calculate how your savings evolve over time by applying compound interest to an initial capital plus monthly contributions.

Crypto

Calculate the net profit or loss of your cryptocurrency investment, including the exchange fees paid on buying and selling.

Stocks

Calculate the total return of your stock market investment, adding capital gain and dividends received, with its annualised equivalent.

Fund fees

Compare two funds or ETFs with different annual fees (TER) and see how much money you lose to fees over the long term.

FIRE / Financial independence

Calculate how much capital you need to live off your investments (your "FIRE number") and how many years it will take to get there at your current savings rate.

Savings goal

Enter your savings goal and find out how much you need to contribute each month to reach it within your chosen timeframe.

Average cost

Enter your purchases at different times and prices to calculate your average cost basis and your unrealized gain or loss.

Savings account vs deposit

Compare how much your money earns in a high-yield savings account versus a fixed-term deposit for the same amount and term, based on each product's APY.

Pay off debt or invest

Compare whether it's better to pay off debt early or invest that same money, based on your debt's interest rate and the return you expect from investing.

Inflation calculator

Calculate how much something that costs a given amount today will cost in the future, and what real purchasing power your money will have in several years, based on annual inflation.

How much have you earned?

Calculate the total you've earned (or will earn) working, based on your hourly rate, the hours you work per week and the years worked.

Broker fee comparator

Compare the estimated annual cost of trading with two different brokers, based on your invested portfolio and how many trades you make per year.

Net worth calculator

Project how your net worth will evolve over time by adding the expected growth of your cash, investments, and property, and subtracting your debts.

Discounts

Calculate the final price after a discount and exactly how much money you save, so you can compare offers without being misled by percentages that look better than they really are.

Tips

Calculate the tip you should leave based on the bill amount and the percentage you want to apply, and split the total among several diners without calculation errors.

ROI

Calculate return on investment (ROI) from your initial investment and final value, to measure as a percentage how much your money gained or lost and compare different investments against each other.

Break Even

Calculate your business's break-even point: the units you need to sell to cover all costs, based on your fixed costs, variable cost per unit, and selling price.

Depreciation

Calculate the annual depreciation of an asset (machinery, vehicle, equipment) using the straight-line method, based on its cost, estimated salvage value, and useful life in years.

Future Value

Calculate the future value of an amount of money invested today, applying an annual rate of return over a given number of years, to see how much your investment will grow to be worth.

Profit Margin

Calculate the profit margin of a product or service from its cost price and selling price, to see what percentage of each sale stays as actual profit.

Business Feasibility

Calculate the real net profit of your business or self-employed activity, subtracting operating costs, social security contributions, and taxes from your monthly income, to see whether the business is actually viable.

Currency Converter

Convert amounts between the world's major currencies using a reference exchange rate, handy for getting a quick sense of the approximate value before a trip, a purchase, or a transfer.

Severance pay

Get an indicative estimate of your final settlement (finiquito) when your employment ends, including compensation, pending salary, holidays and extra payments.

Mortgage

Simulate your monthly mortgage payment, total interest cost and check the year-by-year amortization schedule.

Income tax / Payslip

Estimate your income tax withholding, net salary and bracket breakdown based on your autonomous community and personal situation.

Pension

Estimate your monthly retirement pension based on years contributed, average salary and expected retirement age.

Retirement Feasibility

Calculate whether you'll be able to sustain yourself in retirement by combining your estimated public pension with your savings, factoring in inflation and life expectancy.

Personal loan

Calculate the monthly payment, real APR and total cost of your personal loan, including fees and optional insurance.

VAT calculator

Calculate Spanish VAT (IVA) on any amount: add VAT to a base price, or work out the base price from an amount that already includes VAT.

Rent vs buy

Compare the net cost of buying a home with a mortgage versus renting over the same period, taking into account costs, appreciation and rent increases.

Net salary

Calculate how much you will take home each month, including the effect of extra payments, from your annual gross salary.

Mortgage Comparator

Compare up to three mortgages at once — fixed, variable, or mixed — by entering the amount, term, and conditions of each, to see at a glance which has the lowest monthly payment and which has the lowest total cost over the life of the loan.