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FinCalc

Free financial calculators — mortgage, loan, interest, salary & currency.

Every tool shows its formula and a worked example, so you can verify each number. No sign-up, no data collection — everything runs in your browser.

Calculators

Monthly payment, amortization, and total interest — with down payment and extra payments.

Payments for personal, auto, and installment loans, plus early-payoff savings.

Simple and compound interest on savings, loans, and investments.

Convert hourly to annual and estimate take-home pay after taxes.

Live exchange rates across 18 currencies with a built-in reference table.

How compound interest works, the formula behind it, and why starting early matters more than the rate you earn.

The amortization formula behind every loan payment, explained step by step with a worked example you can reproduce in a spreadsheet.

Learn how a mortgage calculator works, what the amortization formula means, and how to estimate your real monthly payment.