Tools in Finance
Personal finance tools: simple and compound interest, loan amortization, discounts, tips, retirement savings and inflation.
- TopAmortization CalculatorWork out your fixed monthly payment, total cost and lifetime interest for any mortgage, auto or personal loan with the standard amortization formula.
- Superannuation Calculator 2026 (project your retirement balance)Project your super balance at retirement in Australia: the 12% Super Guarantee rate, 15% contributions tax and compound growth, MoneySmart default return.
- TopCAGR Calculator (Compound Annual Growth Rate)Calculate CAGR from a beginning value, an ending value and the number of years. Also returns the total return and the growth multiple.
- TopCar Loan CalculatorWork out the monthly payment, total interest and total cost of your car loan with the amortization formula. Enter price, down payment, rate and term.
- TopCompound interest calculatorSee how your savings grow with compound interest and monthly contributions. Includes the exact formula, worked examples and instant results.
- TopDiscount calculatorFind the sale price after a discount, stack a second coupon on top, and see your total savings plus the real effective discount percentage.
- eBay Fee CalculatorWork out your eBay fees on any sale: final value fee, fixed per-order fee and payment processing. See your net payout and profit before you list the item.
- Inflation calculatorSee what today's $10,000 will cost in the future and how much buying power you lose at 2%, 3% or any annual inflation rate over 1 to 50 years.
- Gross to Net Salary CalculatorTurn gross pay into take-home pay by entering your own tax rate, social contributions and any fixed deduction. Net per paycheck and annual net, instantly.
- Retirement savings calculatorEstimate your nest egg at retirement from your current savings, monthly contributions and expected return. Includes the formula and worked examples.
- TopSimple interest calculatorFind simple interest on a loan, CD or T-bill with I = P × r × t: interest earned, final amount and average monthly interest. Free, instant, with examples.
- TopTip CalculatorFree tip calculator: get the tip, the total and each person's share in seconds. Includes US tipping norms, worked examples and quick answers.