Finance & Everyday Math Calculators
Percentages, tips, discounts, tax, markup, pay, and interest — the everyday money math, worked out clearly. General information, not financial advice.
25 free calculators · updated August 2026
A percentage is not self-explanatory: the denominator and direction determine the question. Percentage Calculator handles parts, changes, increases, and decreases, while Reverse Percentage Calculator reconstructs a value before the change. Markup / Margin Calculator keeps markup on cost separate from margin on selling price. For borrowing, Loan Payment Calculator answers the payment question, Amortization Schedule Calculator shows how each payment is allocated, and Credit Card Payoff Calculator follows a balance under a payment rule. Choose the calculator by the decision, not by a shared percentage sign.
Percentage Calculator
Five everyday percentage questions in one tool — including increases, decreases and change.
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Reverse Percentage Calculator
Work back to the original value — and see why adding the percentage on again is wrong.
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Tip Calculator
Tip, total, and the per-person split — pick 15/18/20/25% or enter your own.
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Discount Calculator
The sale price after a percentage off — or the ticket price, working back from what you paid.
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Sales Tax Calculator
Add sales tax to a price, or back it out of a tax-included total to find the pre-tax amount.
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Markup / Margin Calculator
Price, profit, markup, and margin from your cost — set the price by markup %, margin %, or a target price.
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Hourly to Salary Calculator
Convert an hourly rate to annual, monthly, and weekly pay — or a salary back to an hourly rate.
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Bill Split Calculator
Split a group bill evenly with tip — the per-person number front and center.
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Simple Interest Calculator
Interest and total from principal, rate, and time — simple interest, not compound.
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Compound Interest Calculator
Growth with interest on interest — principal, rate, time, compounding frequency, and optional monthly deposits.
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Loan Payment Calculator
Monthly payment, total interest, and total paid on any fixed-rate loan — auto, personal, or student.
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Car Loan Calculator
Monthly auto payment from price, down payment, trade-in, rate, term, and tax — with the amount financed.
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Savings Goal Calculator
How much to save each month to hit a goal — or how long a fixed deposit takes — with compound growth.
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ROI Calculator
Return on investment and net profit — plus the annualized rate when you add a holding period.
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Inflation Calculator
What inflation does to buying power — and the future dollars needed to match today’s value.
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Take-Home Pay Calculator
A rough take-home estimate per paycheck from gross salary, pay frequency, and a combined deduction rate.
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Break-Even Calculator
The units and revenue to cover your costs — fixed costs over the contribution margin per unit.
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Mortgage Calculator
Monthly payment, PMI drop-off, and 5/1 ARM cap math — down to the dollar.
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Credit Card Payoff Calculator
How long a balance really takes to clear, and what the minimum payment costs you.
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Amortization Schedule Calculator
The full payment table, and what one extra payment a year actually removes.
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Debt Payoff Calculator
Snowball against avalanche on your own debts, with the real cost of each order.
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Rent vs Buy Calculator
The monthly comparison and the break-even year, with the costs people forget included.
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Unit Price Calculator
Price per unit across different package sizes, so the bigger box is not assumed cheaper.
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CAGR Calculator
Compound annual growth rate from a start value, an end value and a number of years.
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Budget Calculator
The 50/30/20 split on your own take-home pay, with the categories spelled out.
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Guides for these tools
Long-form answers behind 7 of the calculators above.
- How Much Should You Tip? Rates by Situation, With the MathThe customary rates by setting, the three-line formula, and the split order that keeps the tip at the rate you chose.
- How to Calculate a Discount: Sale Prices, Stacked Deals, and TaxThe percent-off formula, the sequential math behind stacked deals, and the discount-then-tax order the register actually uses.
- How Are Loan Payments Calculated? Amortization, ExplainedOne level payment, front-loaded interest — the formula worked by hand, the two levers you control, and why the smaller payment is often the costlier loan.
- How Does Inflation Work? The Math That Shrinks MoneyOne growth factor, two answers — what today's money will buy later, and how many future dollars it takes to keep up.
- How Is Sales Tax Calculated? Rates, Rules, and the Reverse MathThe combined-rate reality, the one-multiplication forward formula, and the division that pulls the tax back out of any total.
- How to Calculate Take-Home Pay: From Gross to What You KeepOne combined deduction rate, your pay schedule, and a two-minute pay stub calibration — gross to net in two lines of math.
- How Does Compound Interest Work? The Math That Grows MoneyInterest that earns interest — the formula, the frequency gap, and why steady deposits and time do most of the work.