Finance
Interest, mortgages, loans and investment tools
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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, 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, and projecting Indonesian Tapera housing-fund balances for expats and HR teams — each tool delivers instant, accurate results backed by transparent formulas.
Whether you're planning an investment, building an emergency fund, buying a home, 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, or working out how much of your Indonesian salary goes to Tapera and what that fund will be worth at retirement — 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.
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.
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, 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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.