Twelve calculators for loans, interest, prices, tax and pay. Pick your country and the tax rules, currency and rates switch with it. No sign-up, and the numbers you type stay on your device.
Monthly payment, total interest and a year-by-year schedule.
Enter the loan amount, yearly interest rate and term. Example: 300,000 at 6.3% for 30 years. Equal payment keeps the same monthly payment; equal principal pays down the same principal each month so payments shrink; bullet pays only interest until the last month.
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $3,482.43 | $18,800.59 | $296,517.57 |
| 2 | $3,708.28 | $18,574.74 | $292,809.29 |
| 3 | $3,948.76 | $18,334.26 | $288,860.53 |
| 4 | $4,204.84 | $18,078.18 | $284,655.68 |
| 5 | $4,477.53 | $17,805.49 | $280,178.15 |
| 6 | $4,767.91 | $17,515.11 | $275,410.24 |
| 7 | $5,077.11 | $17,205.91 | $270,333.13 |
| 8 | $5,406.37 | $16,876.65 | $264,926.75 |
| 9 | $5,756.98 | $16,526.04 | $259,169.77 |
| 10 | $6,130.33 | $16,152.69 | $253,039.44 |
| 11 | $6,527.89 | $15,755.13 | $246,511.55 |
| 12 | $6,951.23 | $15,331.79 | $239,560.32 |
| 13 | $7,402.03 | $14,880.99 | $232,158.29 |
| 14 | $7,882.06 | $14,400.96 | $224,276.23 |
| 15 | $8,393.22 | $13,889.80 | $215,883.01 |
| 16 | $8,937.53 | $13,345.49 | $206,945.47 |
| 17 | $9,517.15 | $12,765.87 | $197,428.33 |
| 18 | $10,134.35 | $12,148.68 | $187,293.98 |
| 19 | $10,791.57 | $11,491.45 | $176,502.41 |
| 20 | $11,491.42 | $10,791.60 | $165,010.99 |
| 21 | $12,236.65 | $10,046.37 | $152,774.34 |
| 22 | $13,030.22 | $9,252.80 | $139,744.12 |
| 23 | $13,875.24 | $8,407.78 | $125,868.88 |
| 24 | $14,775.07 | $7,507.95 | $111,093.81 |
| 25 | $15,733.25 | $6,549.77 | $95,360.55 |
| 26 | $16,753.58 | $5,529.44 | $78,606.98 |
| 27 | $17,840.07 | $4,442.95 | $60,766.91 |
| 28 | $18,997.02 | $3,286.00 | $41,769.89 |
| 29 | $20,229.00 | $2,054.02 | $21,540.88 |
| 30 | $21,540.88 | $742.14 | $0.00 |
See how savings grow with regular deposits and compounding.
Enter a starting amount, a monthly deposit, the yearly rate and how many years. Example: 10,000 plus 500 a month at 5% for 10 years. Add a tax rate if your interest is taxed.
| Year | Money you put in | Interest | Balance |
|---|---|---|---|
| 1 | $16,000.00 | $651.05 | $16,651.05 |
| 2 | $22,000.00 | $1,642.37 | $23,642.37 |
| 3 | $28,000.00 | $2,991.39 | $30,991.39 |
| 4 | $34,000.00 | $4,716.40 | $38,716.40 |
| 5 | $40,000.00 | $6,836.63 | $46,836.63 |
| 6 | $46,000.00 | $9,372.31 | $55,372.31 |
| 7 | $52,000.00 | $12,344.69 | $64,344.69 |
| 8 | $58,000.00 | $15,776.11 | $73,776.11 |
| 9 | $64,000.00 | $19,690.06 | $83,690.06 |
| 10 | $70,000.00 | $24,111.23 | $94,111.23 |
Four everyday percentage questions, answered as you type.
Fill in any row; the answer appears on the right. Example: what is 15% of 200 → 30.
Row 3 shows the percent change. Row 4 shows the number increased and decreased by that percent.
Sale price after one or two discounts, with tax the way your country charges it.
Enter the price and the discount. Add a second discount if a coupon stacks on a sale (they multiply, they don't add).
In the US, shelf prices don't include sales tax. It is added at checkout on the discounted price.
Tax data used · checked October 15, 2026
For reference only. Tax rules change and personal situations differ. Always confirm the exact amount with a tax accountant or through official government channels such as IRS / state Department of Revenue. Official site ↗
Tip, total and each person's share, with local tipping customs.
Enter the bill, the tip rate and how many people are paying. Turn on rounding to get an easy amount for each person.
Add tax to a price or take it out, at your country's real rates.
Choose to add tax to a price before tax, or remove it from a price that already includes tax. Pick the rate that applies to what you're selling.
State 7.25% + local 1.78%
US sales tax is added at the register. Groceries and some items are taxed at lower rates or not at all, depending on the state.
The state rate here already includes a statewide local add-on.
Tax data used · checked October 15, 2026
For reference only. Tax rules change and personal situations differ. Always confirm the exact amount with a tax accountant or through official government channels such as IRS / state Department of Revenue. Official site ↗
Your 2026 pay after income tax and social insurance.
Enter your gross pay before tax and pick yearly or monthly. The options below change with your country. Example values are filled in so you can see a result right away.
| Item | Per year | Per month |
|---|---|---|
| Gross pay | $75,000.00 | $6,250.00 |
| Federal income tax | $7,670.00 | $639.17 |
| Social Security | $4,650.00 | $387.50 |
| Medicare | $1,087.50 | $90.63 |
| State income taxCalifornia income tax | $2,774.57 | $231.21 |
| State payroll programCA SDI | $975.00 | $81.25 |
| Total deductions | $17,157.07 | $1,429.76 |
| Take-home pay | $57,842.93 | $4,820.24 |
Uses 2026 federal brackets and standard deduction, Social Security up to $184,500 and Medicare including the 0.9% surtax.
State tax uses the standard deduction and personal exemption; phase-outs, credits and itemizing are not modeled.
Estimate for planning, based on 2026 rules. Your payslip can differ because of employer withholding methods, bonuses, allowances and personal deductions.
Tax data used · checked October 15, 2026
For reference only. Tax rules change and personal situations differ. Always confirm the exact amount with a tax accountant or through official government channels such as IRS / state Department of Revenue. Official site ↗
How many units you must sell to cover your costs.
Enter fixed costs for a period (rent, wages), the selling price per unit and the variable cost per unit. Add a target profit to see the sales you need.
Enter prices before sales tax. Sales tax is collected for the state and isn't your revenue.
Tax data used · checked October 15, 2026
For reference only. Tax rules change and personal situations differ. Always confirm the exact amount with a tax accountant or through official government channels such as IRS / state Department of Revenue. Official site ↗
Margin, markup and the price you need, before or after tax.
Pick what you know: cost and price, or cost and the margin or markup you want. Margin is profit ÷ price; markup is profit ÷ cost.
Margin = profit ÷ selling price. Markup = profit ÷ cost. A 50% markup is only a 33% margin.
Tax data used · checked October 15, 2026
For reference only. Tax rules change and personal situations differ. Always confirm the exact amount with a tax accountant or through official government channels such as IRS / state Department of Revenue. Official site ↗
How much to save each month to reach a goal on time.
Enter your goal, what you have now, how long you have and the yearly return you expect.
What today's money will cost and buy in the future.
Enter an amount, how many years ahead and the yearly inflation rate. The default rate is your central bank's target.
Default rate for United States: 2% (central bank target). Actual inflation varies year to year.
How much you need to retire and whether you're on track.
Enter your ages, savings, monthly saving and the monthly spending you want in retirement in today's money. Add an expected public pension to reduce what your savings must cover.
Spending rises with inflation each year. Taxes on withdrawals and changes to pension rules are not included.
Calculator sites are full of pop-ups, and many give one generic answer no matter where you live. A take-home pay or VAT figure is only useful if it follows your country's actual rules.
So I built calculators that switch their tax rules with the country you pick and show each deduction. No sign-up, no payment, and what you type never leaves your device.
They follow rules in force for 2026, checked on 15 October 2026 against government sources and official rate tables, including mid-year changes such as new US state rates.
Employers withhold tax monthly with simplified tables, and bonuses, allowances and personal deductions change the result. These calculators show the full-year amount you actually owe, which is what your year-end settlement or tax return arrives at.
No. Every calculation runs in your browser. Only your language, theme and country choice are remembered on this device.
Use it to plan and compare. For filings and contracts, confirm with your tax office, bank or a tax professional.
Yes. Loan, interest, percentage, savings, inflation and retirement work anywhere. Pick any country for the currency and enter your own tax rate in the VAT tool.