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Finance Calculators

Make informed financial decisions with our suite of free finance calculators. From projecting compound interest growth and tracking savings goals to estimating mortgage payments, finding the break-even year between renting and buying, comparing loan offers side by side, calculating VAT and sales tax instantly, evaluating crowdfunding returns, computing a fair mahr amount for an Islamic marriage contract, calculating Maharashtra stamp duty and property registration costs in India, projecting Indonesian Tapera housing-fund balances for expats and HR teams, estimating Hong Kong Salaries Tax and monthly take-home pay for workers filing with the IRD, and finding the break-even year between buying a Korean apartment and locking up a jeonse deposit — each tool delivers instant, accurate results backed by transparent formulas.

Whether you're planning an investment, building an emergency fund, deciding whether to buy a home or keep renting, comparing personal loan terms, figuring out the tax on a purchase, assessing the ROI of a crowdfunding campaign, determining a religiously grounded mahr using live gold and silver prices, estimating the full cost of a property purchase in Mumbai or Pune, working out how much of your Indonesian salary goes to Tapera and what that fund will be worth at retirement, calculating your Hong Kong Salaries Tax under both progressive and standard rates before the IRD filing window closes, or weighing a Seoul apartment purchase against a no-monthly-rent jeonse lease before your next contract renewal — these calculators simplify complex financial math into clear, actionable numbers.

Investment & Savings

The compound interest calculator shows you exactly how your money grows over time with regular contributions and compounding. Pair it with the savings calculator to set specific financial goals and see how consistent deposits can help you reach them.

Both tools let you adjust variables like interest rate, compounding frequency, and time horizon to explore different scenarios instantly.

Mortgage Calculator

The mortgage calculator helps you estimate your monthly mortgage payment based on the loan amount, interest rate, and repayment term. Instantly see how much of each payment goes toward principal versus interest, and understand the total cost of your loan over its full lifetime.

Use it to compare different loan amounts, interest rates, and terms before committing to a mortgage — so you can find a monthly payment that fits your budget and minimize the total interest paid.

Rent vs Buy Calculator

The rent vs buy calculator finds the month a buyer's net worth passes a renter's — the point where owning stops costing more than renting, once the down payment's forgone investment return is counted. It prints two break-evens side by side: one that counts what the down payment could have earned invested instead, and the cash-only figure most calculators publish alone, plus a full month-by-month reconciliation of where the money went on both sides.

Unlike a flat-percentage estimate, this tool checks the mortgage-interest deduction against your actual filing status and the current-year standard deduction before crediting a single dollar — for many households the real tax benefit is $0. Use it before signing a lease renewal or making an offer, especially if you know roughly how many years you plan to stay.

Buy vs Jeonse Calculator — Korea

The buy vs jeonse calculator compares the net worth of buying a Korean apartment against living on a jeonse deposit — a lease with no monthly rent, where the tenant hands over a refundable lump sum instead. It reports the exact month a buyer's net worth overtakes a jeonse tenant's, and turns the return the locked deposit never earns into a "hidden monthly rent" figure you can hold against a mortgage payment.

The tool also prices Korea-specific costs most rent-vs-buy math skips: acquisition tax on the purchase, the statutory renewal right that caps a jeonse deposit increase at 5% for one renewal before the deposit reverts to market pricing, capital-gains tax by year of sale under the one-home exemption, and a reverse-jeonse (역전세) mode for when the deposit falls instead of rising. Because it's built around Korea's jeonse system, this calculator is available on the Korean and US versions of the site.

Tapera Calculator — Indonesian Housing Fund for Expats and HR Teams

The Tapera calculator is the first interactive English-language tool for Indonesia's Tabungan Perumahan Rakyat (Tapera) housing savings scheme. Employees contribute 2.5% of gross salary, with employers adding a 0.5% top-up; self-employed workers contribute a flat 3%. The calculator projects your long-term Tapera balance using four BP Tapera yield presets — Conventional (8.69%), Sharia (6.08%), Conservative (6.5%), and Custom — and shows an inflation-adjusted real value so you can judge the fund's purchasing power at retirement.

Additional features include an MBR (Masyarakat Berpenghasilan Rendah) eligibility indicator, a down-payment-to-house-price bridge that translates your projected balance into the property value you could finance, and a side-by-side alternative investment comparison using Jakarta Composite Index (IHSG, 10% average annual return) and deposito rates (6%). Built for foreign workers employed by multinationals with Indonesian operations, HR professionals running payroll in Indonesia, bilingual Indonesians planning ahead, and financial planners serving clients with Indonesian income.

Hong Kong Salaries Tax & Net Salary Calculator

For workers in Hong Kong and the HR teams that support them, the Hong Kong Salaries Tax calculator estimates annual tax and monthly take-home pay for Year of Assessment 2025/26 and the upcoming 2026/27 year. The IRD computes Salaries Tax under two parallel methods — progressive rates (2% to 17% across five HK$50,000 brackets) and the two-tier standard rate (15% on the first HK$5,000,000 of net income, 16% on the remainder) — and charges whichever is lower. This calculator runs both and shows you the result, your effective rate, and how close you are to the crossover point.

Key features include: mandatory MPF deduction (5% of monthly relevant income, capped at HK$1,500/month), the 100% one-off HK$3,000 final-tax reduction announced in the 2026/27 Budget, and a joint-versus-separate assessment comparison for married couples. For expatriates filing a BIR60 for the first time and multinational HR teams handling Hong Kong payroll, the tool also previews the higher allowances proposed for YOA 2026/27 (basic HK$145,000, married HK$290,000).

Note the current IRD filing window: paper BIR60 returns for YOA 2025/26 are due by 3 June 2026; eTAX extends that deadline to 3 July 2026.

Maharashtra Stamp Duty & Property Registration

The Maharashtra stamp duty calculator computes the total government cost of buying property in Maharashtra — covering stamp duty, metro cess (in Mumbai, Pune, Nagpur, Nashik, Thane, and Navi Mumbai), Local Body Tax (LBT), and the registration fee — so you know the exact out-of-pocket amount before signing.

Key features include a 1% concession for sole female buyers and a 0.5% concession for joint male-female purchases on residential sales, a flat ₹200 rate for gift deeds to blood relatives, and support for all five joint ownership permutations (male-female, female-female, male-male, and company). A built-in Section 56(2) under-valuation warning alerts you when the agreed price falls below the government ready reckoner rate — helping NRI investors and English-speaking Indian homebuyers in Mumbai and Pune avoid costly penalties.

Loan Calculator — Compare Up to 3 Offers

The loan calculator goes beyond a basic monthly payment estimate. Enter up to three loan offers at once and compare them side by side: total interest paid, total cost, and full amortization schedule for each. Choose between French amortization (fixed equal payments) and linear amortization (decreasing payments as principal reduces faster) to match the method your lender uses.

The extra payment analysis shows exactly how much interest you save and how many months you cut from the loan term by making one-off or recurring overpayments. Use it for personal loans, car loans, or any installment credit before signing.

VAT & Sales Tax Calculator

The VAT calculator lets you add or remove tax from any price in seconds. Enter the base amount and the applicable VAT or sales tax rate to see the tax amount and the final gross price — or work backwards from a tax-inclusive price to find the net amount before tax.

Useful for shoppers checking the final cost of a purchase, freelancers and business owners issuing invoices, and anyone comparing prices across regions with different tax rates. Supports any rate from 0% to 100%, making it suitable for VAT in Europe, GST in Australia and Canada, and sales tax in the United States.

Crowdfunding ROI

The crowdfunding ROI calculator helps backers and project creators measure the financial return of a crowdfunding campaign. Enter your total pledged amount, any rewards or equity offered, and the final outcome to get a clear return on investment figure.

Use it to compare different crowdfunding opportunities, evaluate whether a campaign's reward tiers are worthwhile, or assess the profitability of launching your own project.

Mahr Calculator — Islamic Marriage Gift

The mahr calculator helps Muslim couples in the United States determine a fair and Islamically grounded mahr (marriage gift) amount in US dollars. Five calculation methods are available: Mahr Fatimi based on the Prophetic standard of 500 dirhams of silver, the minimum mahr according to the Hanafi school, a gold-based amount, a silver-based amount, and an income-based suggestion tied to the groom's monthly salary.

All calculations use live gold and silver market prices so the result always reflects current precious metal values. You can also split the total into an immediate portion (muqaddam) paid at the nikah and a deferred portion (mu'akhar) agreed upon for a future date — a common and Islamically valid arrangement. In the United States, a properly documented mahr is recognized by most courts as an enforceable contractual agreement.

Business & Returns

Measuring returns is at the heart of every sound financial decision. Our crowdfunding ROI calculator extends beyond traditional investments to cover campaign-based funding models, giving you a standardized way to compare returns across different asset classes and financing structures.

Combine it with the compound interest, savings, mortgage, loan, VAT, Maharashtra stamp duty, Tapera, Hong Kong Salaries Tax, buy vs jeonse, and mahr calculators to build a complete picture of your financial position — from short-term campaign outcomes to long-term wealth building.

Frequently Asked Questions

How accurate are these finance calculators?
Our calculators use standard financial formulas used by banks and financial institutions. They provide accurate estimates for planning purposes, though actual results may vary based on factors like variable interest rates, fees, and market conditions.

What is compound interest and why does it matter?
Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. It's often called 'interest on interest' and is the key force behind long-term investment growth. Even small regular contributions can grow significantly over time thanks to compounding.

How does the mortgage calculator work?
Enter the loan amount, annual interest rate, and loan term in years. The calculator uses the standard amortization formula to compute your fixed monthly payment, the total amount paid over the life of the loan, and the total interest cost. You can adjust any variable to see how it affects your monthly obligation.

How is Maharashtra stamp duty calculated?
Maharashtra stamp duty is a percentage of the property's market value (or the government ready reckoner rate, whichever is higher). The base rate is 5% for most urban areas, reduced to 4% for sole female buyers and 4.5% for joint male-female purchases on residential properties. Additional charges include a 1% metro cess in cities like Mumbai, Pune, Nagpur, Nashik, Thane, and Navi Mumbai, plus a flat 1% registration fee capped at ₹30,000. The Maharashtra stamp duty calculator adds all these components automatically so you see the full property registration cost in one place.

What is Tapera and who has to contribute in Indonesia?
Tapera (Tabungan Perumahan Rakyat) is Indonesia's mandatory housing savings program administered by BP Tapera. Under the current rules, employees contribute 2.5% of their gross monthly salary while their employer contributes an additional 0.5%. Self-employed and independent workers contribute a flat 3%. Contributions apply to all workers — including foreign nationals holding a work permit (KITAS/KITAP) — once the full rollout is in effect. The Tapera calculator lets you enter your salary, employment type, and a yield assumption to see exactly how much is deducted each month and what your accumulated balance is projected to reach.

How does the Tapera calculator project the long-term balance?
The calculator compounds your monthly contributions at the BP Tapera yield rate you select. Four presets are available: Conventional (8.69%), Sharia (6.08%), Conservative (6.5%), and Custom. It then adjusts the nominal balance for inflation to show you the real purchasing power of the fund at your target retirement or withdrawal date. A side-by-side panel compares the Tapera outcome against leaving that same money in an Indonesian deposito (6%) or investing it in the Jakarta Composite Index (IHSG, 10% historical average) — giving you a clear picture of the opportunity cost.

How does Hong Kong Salaries Tax work?
Hong Kong Salaries Tax is levied by the Inland Revenue Department (IRD) on employment income sourced in Hong Kong. The IRD calculates tax under two methods — progressive rates of 2% to 17% on Net Chargeable Income (after allowances), and a two-tier standard rate of 15% / 16% on Net Income (before allowances) — and charges whichever is lower. There is no monthly withholding; instead, employees receive a BIR60 return in May, file by early June or July, and pay final tax plus next year's provisional tax in instalments. For YOA 2025/26, a one-off 100% reduction capped at HK$3,000 per case applies to final Salaries Tax.

How does the buy vs jeonse calculator work?
Enter the home price, the jeonse deposit, your mortgage terms, expected home and jeonse appreciation, and the return you'd earn investing idle cash. The calculator runs both paths month by month for up to 20 years, crediting whichever side spends less on housing that month with the difference invested at your chosen rate, and reports the month a buyer's net worth first overtakes a jeonse tenant's. It also computes Korean acquisition tax, applies the statutory 5% cap to one lease renewal before later renewals follow the market, and estimates capital-gains tax by year of sale under the one-home exemption. Because jeonse is specific to Korean housing, this calculator is available on the Korean and US sites.

What is the difference between French and linear amortization?
With French amortization (the most common method), your monthly payment stays the same throughout the loan term — early payments are mostly interest, later payments are mostly principal. With linear amortization, you repay a fixed amount of principal each period, so the total payment decreases over time as the outstanding balance shrinks. Linear amortization results in lower total interest paid but higher initial payments.

How do I calculate VAT or sales tax on a price?
Enter the net price (before tax) and the applicable tax rate into the VAT calculator. It instantly shows you the tax amount and the final gross price including tax. You can also do the reverse: enter the gross price and rate to extract the net amount and the tax component — useful when a receipt shows only the total and you need to separate the tax.

How much can I save by making extra loan payments?
The loan calculator's extra payment analysis shows you the exact savings. For example, on a $20,000 loan at 7% over 5 years, adding just $100 per month to your payment can cut over 10 months from the term and save hundreds of dollars in interest. The savings grow significantly as the loan amount or rate increases.

What does the crowdfunding ROI calculator measure?
The crowdfunding ROI calculator measures the financial return of a crowdfunding campaign relative to the amount pledged or invested. It accounts for the total funds raised, costs, and returns to give backers and creators a standardized ROI percentage they can compare against other investment options.

Can I use the crowdfunding ROI calculator for equity crowdfunding?
Yes. The calculator works for reward-based, donation-based, and equity crowdfunding. For equity campaigns, enter your total investment and the current or projected value of your equity stake to calculate your return on investment.

How does the mahr calculator work?
Select one of five calculation methods — Mahr Fatimi (1,530.9 grams of silver, the Prophetic standard), minimum mahr per the Hanafi school (30.618 grams of silver), gold-based, silver-based, or income-based. The calculator fetches live gold and silver prices in USD and computes the mahr amount automatically. You can optionally split the result between an immediate portion paid at the nikah and a deferred portion for a future date. The final figure can also serve as documentation for a legally enforceable marriage contract in the United States.