Finance Calculators 2026 - Compound Interest, ROI, Mortgage
What makes the finance category useful
This category groups calculators that solve closely related real-world tasks, so you can move from a quick estimate to a more specific planning tool without restarting the process.
Project compound interest with daily, monthly, quarterly, or yearly compounding
Compare ROI and IRR side by side to pick between competing investment options
Estimate mortgage repayments, borrowing power, LVR, and the cost of refinancing early
Calculate rental yield, cap rate, and break-even points for property decisions
See the underlying formula and step-by-step working behind every dollar figure
Investment planning
Run compound interest, ROI, and IRR scenarios to choose between savings, shares, and property.
Property and mortgage
Estimate repayments, borrowing power, LVR, and rental yield before signing a contract.
Personal finance health
Track net worth, debt-to-equity, and offset savings to see if you are moving forward each year.
All Finance Calculators
Simple Interest Calculator
Calculate simple interest on loans or investments.
Compound Interest Calculator
See how your investments grow over time.
Gemstone Carat Weight Calculator
Estimate carat weight from gemstone dimensions like a pro.
Advanced Gemstone Value Estimator
Pro-grade gemstone valuation with 9 pricing factors.
ROI Calculator
Calculate return on investment from amount invested and final value.
IRR Calculator
Free online IRR calculator for cash flows, NPV, ROI, and payback.
Loan EMI Calculator
Free online loan EMI calculator with amortization charts.
Offset Mortgage Calculator
Free online offset mortgage calculator with savings tool.
70% Rule House Flip Calculator
Free online tool for max offer on a house flip.
Rental Yield and Cap Rate Calculator
Free online tool to evaluate rental property returns.
Debt-to-Equity Ratio Calculator
Free online tool to check if your business is over-leveraged.
Reverse VAT Calculator
Remove VAT from gross price or add VAT to net price with any rate.
Demurrage Calculator
Estimate shipping delay charges from daily rate, days, and optional flat fee.
Auto Loan Calculator
Monthly car payment, total interest, and extra payment savings.
Pension Calculator
Project retirement savings growth with monthly contributions and compound interest.
Inflation Impact Calculator
Calculate the long-term impact of inflation.
Cost of Living Increase Calculator
Calculate budget adjustments based on cost of living.
Household Budget Stress Calculator
Measure household financial stress level.
Salary vs Inflation Calculator
Compare your salary increase to inflation.
Purchasing Power Calculator
Calculate the real value of money over time.
Grocery Budget Increase Calculator
Calculate specific food budget inflation.
Monthly Expense Rise Calculator
Calculate total monthly cost increases.
Emergency Fund Gap Calculator
Free emergency savings gap calculator and planner.
Gold Price Calculator
Calculate gold value by weight, karat, and spot price.
Scrap Gold Calculator
Estimate scrap gold payout after buyer margin deduction.
Gold Loan Calculator
Calculate loan amount using gold as collateral.
Gold Price Calculator Sri Lanka (LKR)
Calculate gold value in Sri Lankan Rupees (LKR).
Gold Investment ROI Calculator
Calculate ROI and annualized return on gold investments.
Jewelry Markup Calculator
Calculate the making charge and markup on gold jewelry.
Related Articles
All articles
COLA in 2026: How to Negotiate a Cost of Living Raise
A 3% raise with 4% inflation is a pay cut. Learn how to calculate your personal inflation rate and negotiate a COLA raise with data-driven leverage in 2026.
Read article
Compound Interest Explained: How Your Money Grows Over Time
Understand how compound interest works with clear examples and visual breakdowns. Learn the formula, see how frequency affects growth, and discover why Einstein called it the eighth wonder of the world.
Read article
Hidden Costs of Homeownership: Why Your Mortgage Is Just the Start
Non-mortgage costs like insurance, property taxes, and maintenance now add 21% to monthly housing expenses. Learn how to calculate your true total cost of ownership before you make an offer.
Read article
Renting vs Buying in 2026: The Complete Financial Breakdown
Is buying still the path to wealth in 2026? We break down the 5-year breakeven math, compare 6.5% mortgage costs against rental flexibility, and show when each wins.
Read articleCategory FAQ
How much will $10,000 grow at 5 percent compound interest over 10 years?
At 5 percent compounded annually, $10,000 grows to about $16,289 in 10 years. With monthly compounding the same investment reaches roughly $16,470, a $181 difference from compounding more often.
What is a good ROI for an investment?
A common benchmark is an annual ROI above the long-run stock market average of 7 to 10 percent after inflation. Anything below the inflation rate is losing real purchasing power.
How is rental yield calculated?
Gross rental yield is annual rent divided by property price, times 100. A $30,000 annual rent on a $600,000 property equals a 5 percent gross yield. Net yield subtracts costs like rates, insurance, and management fees first.
What is the difference between ROI and IRR?
ROI measures total return as a single percentage of the original investment. IRR is the annualized rate that makes the net present value of all cash flows equal zero, so it accounts for the timing of inflows and outflows.
How much can I borrow for a mortgage?
Most lenders cap repayments at around 30 to 35 percent of gross income and stress-test at 2 to 3 percentage points above the current rate. Use the borrowing power calculator to see your specific limit by income, deposit, and existing debt.
How does an offset mortgage save interest?
Funds in an offset account reduce the loan balance interest is calculated against. A $20,000 offset on a $400,000 loan at 6 percent saves about $1,200 in interest in the first year.
Modern Tools for Every Need
Secure and Private
All calculations run locally. Your financial data never leaves your browser.
Verified Precision
Precise Financial Calculations Powered by Calculory AI