CalcPine

Finance Calculators

Work out taxes, loan costs, interest and everyday money decisions in seconds — each tool shows the formula so you understand the number, not just the result.

Child Maintenance Calculator (UK)Estimate CMS payments from income, children and shared care. Mortgage Overpayment CalculatorInterest and years saved by overpaying your mortgage. Margin CalculatorProfit margin and markup from cost and selling price. Bike Loan EMI CalculatorMonthly EMI and interest on a two-wheeler loan. UK VAT CalculatorAdd or remove UK VAT at 20%, 5% or 0%. Term Deposit CalculatorMaturity value and interest on a term deposit. Reverse Sales Tax CalculatorBack sales tax out of a tax-inclusive total. CD Interest Rate CalculatorMaturity value and interest on a certificate of deposit. Seller Financing CalculatorOwner-financed loan payment and amortisation. Bridge Loan CalculatorShort-term interim loan cost between property deals. Lease vs Buy Car CalculatorCompare leasing against buying a car. APY CalculatorAnnual percentage yield from a nominal rate. Debt-to-Income CalculatorYour DTI ratio from income and debt payments. Salary to Hourly CalculatorConvert an annual salary to an hourly rate. Roth vs 401(k) CalculatorCompare Roth and traditional 401(k) outcomes. Rent vs Sell CalculatorWhether to rent out or sell a property. Retirement Drawdown CalculatorHow long a retirement pot lasts at a withdrawal rate. Negative Gearing Calculator (AU)Australian rental property loss and tax benefit. YTD Income CalculatorAnnualise year-to-date income. Share Incentive Plan CalculatorUK SIP share-scheme value and tax saving. Compound Interest CalculatorGrowth of savings with compound interest. Car Loan CalculatorMonthly auto-loan payment and total interest. Tip CalculatorTip amount and split per person. HRA Exemption Calculator (India)India HRA exemption under Section 10(13A). Gratuity Calculator (India)India gratuity payout on years of service. Ireland VAT CalculatorAdd or remove Irish VAT at 23%, 13.5% or 9%. New Zealand GST CalculatorAdd or remove New Zealand GST at 15%. South Africa VAT CalculatorAdd or remove South African VAT at 15%. Singapore GST CalculatorAdd or remove Singapore GST at 9%. PPF Calculator (India)India PPF maturity value and interest. FD Calculator (India)India fixed-deposit maturity with compounding. SIP Calculator (India)Future value of monthly mutual-fund SIPs. RD Calculator (India)India recurring-deposit maturity value. Sukanya Samriddhi Yojana CalculatorSSY maturity for a girl child. NPS Calculator (India)India NPS corpus and pension estimate. SWP Calculator (India)Systematic withdrawal plan cash-flow. NSC Calculator (India)India NSC maturity value at current rate. EPF Calculator (India)India EPF corpus at retirement. Post Office MIS CalculatorPost Office Monthly Income Scheme payout. KVP Calculator (India)Kisan Vikas Patra doubling and maturity. GPF Calculator (India)India GPF balance for government staff. EPS Pension Calculator (India)EPS-95 monthly pension estimate. VPF Calculator (India)Voluntary Provident Fund corpus. Atal Pension Yojana CalculatorAPY contribution for a target pension. XIRR CalculatorAnnualised return on irregular cash-flows. ELSS Calculator (India)ELSS tax-saving investment growth. Salary Hike CalculatorNew salary after a percentage hike. Leave Encashment CalculatorPayout for unused leave on exit. TDS Interest CalculatorInterest on late TDS deposit or deduction. Advance Tax CalculatorIndia advance-tax instalments and interest. GST Calculator (India)Add or remove India GST at 5/12/18/28%. GST Interest CalculatorInterest on delayed GST payment. GST Late Fee CalculatorLate fee for delayed GST return filing. Overtime CalculatorOvertime pay from hours and rate. 13th Month Pay CalculatorPhilippines 13th-month pay. Capital Gains Tax Calculator (India)India LTCG/STCG on equity and assets. STP Calculator (India)Systematic transfer plan future value.

Make money decisions with clarity

From backing sales tax out of a total to comparing a car lease against buying, our finance calculators turn tricky arithmetic into a clear answer. Every tool explains the formula and assumptions so you can trust the figure and adapt it to your situation.

CalcPine's finance tools are for general information only and are not financial advice. For decisions about your money, consult a qualified professional.

Frequently asked questions

Are these tools specific to one country?
Most work anywhere, but tax and scheme-specific tools are labelled by country (e.g. AU) because rates and rules differ by region.
Do you store the numbers I enter?
No. Calculations run in your browser and nothing you type is sent to us or saved.