Our financial calculators help you make informed decisions about loans, mortgages, investments and savings using standard actuarial and financial formulas trusted by professionals. Whether you're planning to buy a home, comparing loan offers, or growing your savings, these free tools give you instant, accurate calculations.
Calculate monthly mortgage payments, compare loan terms, view amortization schedules, and understand how interest rates affect your total payments over time. Our EMI calculator is especially useful for personal, car and home loans.
Use our compound interest and investment calculators to project how your savings could grow over time. The retirement calculator helps you plan for long-term financial security.
Our Zakat calculator helps Muslims calculate their annual obligatory charity based on Nisab thresholds for gold and silver.
Understanding the formula behind a calculator makes its result easier to trust and to question.
Loans and mortgages. A fixed-rate loan is repaid in equal instalments. The payment is P × r × (1 + r)n ÷ ((1 + r)n − 1), where P is the amount borrowed, r is the interest rate per period and n is the number of payments. In the early years most of each payment is interest; the share that reduces the balance grows over time, which is what an amortization schedule shows. This is why paying extra early saves so much interest.
Compound interest. Savings grow as A = P × (1 + r ÷ n)nt, where interest is added n times a year for t years. The more often interest is added, and the longer you leave it, the larger the effect. A rough rule of thumb, the rule of 72, says money doubles in about 72 ÷ the yearly rate in percent years: at 6% that is roughly 12 years.
Inflation. Prices rise over time, so the same amount buys less. An inflation calculator shows what a past or future amount is worth in today's terms, which matters for retirement planning.
Zakat. Zakat is generally calculated as 2.5% of qualifying wealth that has been held for a full lunar year and is above the nisab threshold, which many references base on about 85 g of gold or 595 g of silver. Scholars differ on details such as which assets count, so confirm with a scholar you trust.
Before you rely on any figure, compare the interest rate, fees and term between offers, not only the monthly payment, because a longer term lowers the payment but raises the total cost. These tools give estimates; lenders' actual quotes will include fees and rules we cannot see.