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Money Over Time

Loan Calculator
FinanceMortgage CalculatorEstimate a US-style monthly mortgage payment with principal and interest, property tax, home insurance, PMI and HOA shown separately for a clearer house-buying budget.Finance & MoneyLoan CalculatorCalculate an estimated fixed loan payment from amount, APR, term and optional upfront/down-payment adjustments, with total interest, payoff total, scenario comparison and a printable loan quote record.MoneyAuto Loan CalculatorEstimate a car loan payment from vehicle price, down payment, trade-in, sales tax, fees, interest rate and loan term.FinanceSimple Interest CalculatorCalculate simple interest, total repayment and effective yearly interest from principal, rate and time.MoneyCompound Interest CalculatorProject compound growth from a starting balance, regular contributions, interest rate, compounding frequency and time horizon.MoneyPresent Value CalculatorDiscount a future amount back to today using an annual rate, time horizon and compounding frequency.FinanceFuture Value CalculatorProject what a starting amount and regular deposits could be worth in the future using an annual rate and compounding frequency.FinanceROI CalculatorCalculate return on investment from amount invested, final value, extra costs and optional time held, with a printable investment comparison record.FinanceDebt Payoff CalculatorEstimate how long it will take to pay off a debt from balance, APR and monthly payment, with optional extra payment and fee fields kept visible.Finance & Household BudgetingDebt-to-Income Ratio CalculatorCalculate front-end and back-end debt-to-income ratios from monthly income, housing cost and recurring debt payments for mortgage, rental, refinance and budget-prep records.Finance & Household BudgetingBudget CalculatorBuild a monthly budget from income, housing, bills, debt, savings and everyday spending, with surplus/shortfall, savings-rate and printable household budget worksheet outputs.Time, Work & PayrollSalary CalculatorConvert annual salary into monthly, biweekly, weekly, daily and hourly gross equivalents, with paid-week and weekly-hour assumptions, unpaid-hours comparison and a printable job-offer or pay-review worksheet.Work & PayrollCommission CalculatorCalculate sales commission from sale amount, commission rate, base pay and returns or chargebacks.Math & PercentagesDiscount CalculatorCalculate sale price, discount amount and optional tax from an original price and discount percentage, with a printable sale-tag, coupon or quote check.Finance & Everyday MoneySales Tax CalculatorCalculate sales tax, discount, shipping and final checkout total from a subtotal and tax rate, with the tax amount kept separate for receipts, quotes and classroom examples.Finance & AustraliaGST CalculatorAdd or remove Australian 10% GST from a price and show the exclusive amount, GST component and inclusive total.Finance & Household BudgetingInflation CalculatorEstimate how inflation changes purchasing power, future cost and real value over time from an amount, annual inflation rate and number of years, with a printable budget or classroom record.Finance & MoneyLease Amortization CalculatorEstimate a lease liability, right-of-use asset basis and first-period amortization from fixed payments, discount rate, term, payments already made and initial direct costs.Work & PayrollBusiness Days CalculatorCount weekday business days between two dates, with optional start-date and end-date inclusion controls.MoneyAmortization CalculatorBuild a fixed-rate loan amortization check with monthly payment, balance after a chosen payment, interest paid and extra-payment impact.Finance BasicsAPY CalculatorCalculate annual percentage yield from a stated interest rate and compounding frequency, with ending balance, earned interest and a printable savings comparison record.Work & PayrollBillable Hours CalculatorEstimate weekly, monthly and annual billable capacity after non-billable work, leave weeks and utilisation limits, with a printable capacity and revenue record.Work, Payroll & TimeBiweekly Pay CalculatorCalculate gross biweekly pay from hourly rate, regular hours, overtime hours and optional pretax deductions, with clear pay-period assumptions and a printable payroll worksheet.BusinessBreak-Even CalculatorFind the sales volume and revenue needed to cover fixed costs, variable costs and optional target profit.FinanceBudget Split CalculatorSplit monthly income into needs, wants, savings and debt payments, then print a simple budget record.Finance & BusinessCAGR CalculatorCalculate compound annual growth rate from a starting value, ending value and time period, with growth-multiple, annualised return, scenario comparison and a printable investment or business-growth record.Finance BasicsCD CalculatorCalculate certificate of deposit growth from opening deposit, APY and term length, with ending balance, interest earned, early-withdrawal note and a printable bank-offer comparison record.Money EducationCompound Growth CalculatorProject repeated percentage growth from a starting value and turn the full compounding path into a visible period-by-period story.Trade & ConstructionContractor Markup & Margin CalculatorConvert cost, markup and margin into a contractor selling price and gross profit.Work & PayrollDouble Time CalculatorCalculate double-time pay from regular hours, double-time hours, base hourly rate and optional extra gross pay, with a printable payroll record.Money EducationDrawdown Recovery CalculatorCalculate the percentage gain and number of growth periods needed to recover from a drawdown.HR & BusinessEmployee True Cost (Oncost) CalculatorEstimate total employee cost from salary, superannuation, payroll tax, leave loading and workers compensation.HR & Business · AustraliaEmployee True Cost (Oncost) Calculator — AustraliaCalculate the total annual cost of employing someone in Australia including superannuation, leave loading, workers compensation and payroll tax. Shows total oncost percentage above salary.Home, Trade & ConstructionExcavation CalculatorEstimate excavation volume from length, width and depth, with cubic yards, cubic metres, loose spoil, truckload checks, cost estimate and a printable dig or quote note.BusinessFreelance Rate CalculatorWork backwards from target income, expenses, taxes, unpaid time and billable hours to estimate a sustainable freelance hourly rate.BusinessFreelancer Hourly Rate CalculatorCalculate a recommended freelance hourly rate from target income, billable weeks, hours, overhead and profit buffer.Finance & EverydayFuel Cost CalculatorEstimate trip fuel cost from distance, fuel economy, fuel price and optional tolls or parking, with litres and gallons shown clearly.BusinessGross Margin CalculatorCalculate gross margin from revenue and cost of goods sold, with gross profit, cost ratio, markup cross-check, scenario rows and a printable margin record.Work & PayrollGross Pay CalculatorCalculate hourly gross pay from regular hours, overtime hours, hourly rate, overtime multiplier and any one-time bonus before deductions, with regular pay, overtime pay, effective rate and a printable payroll arithmetic record.Home & EnergyHeat Pump ROI CalculatorEstimate heat pump payback by comparing current annual heating cost with heat pump running cost and installed cost.Education & AustraliaHECS / HELP Repayment CalculatorEstimate compulsory Australian HECS/HELP repayment from repayment income using 2024-25 threshold bands.Education · AustraliaHECS HELP Repayment Calculator 2024-25Estimate your compulsory HECS-HELP repayment for 2024-25 using current ATO income thresholds and repayment rates. Shows annual, fortnightly and weekly repayment amounts.Work & PayrollHourly Paycheck CalculatorEstimate an hourly paycheck from regular hours, overtime hours, hourly rate, pre-tax deductions and estimated withholding, with gross pay, taxable pay, take-home estimate and a printable paycheck worksheet.Work & PayrollHourly Rate CalculatorConvert annual salary or project fees into transparent hourly rates using entered work hours.Work & PayrollHourly to Salary CalculatorConvert hourly pay into weekly, monthly and annual gross salary equivalents using visible hours and paid-week assumptions.Time, Work & PayrollHours Between Times CalculatorCalculate hours between two clock times, including overnight spans, unpaid breaks, decimal-hour output, rounded hours, gross-value notes and a printable shift, appointment, classroom or job-time record.Finance & Capital MarketsIPO Lock-up Expiry CalculatorCalculate the expiry date of an IPO lock-up period and show common 90, 180 and 270 day windows.MoneyLoan Payment CalculatorEstimate the monthly payment, total repayment and interest cost for a fixed-rate amortising loan.Finance & BusinessMargin CalculatorCalculate gross margin, gross profit, markup percentage and target-price checks from selling price, cost, quantity and optional discount, with a printable pricing record.BusinessMargin Markup CalculatorConvert cost, markup and profit margin into selling price, gross profit and the difference between markup and margin.Finance & BusinessMarkup CalculatorCalculate selling price, markup amount, markup percentage and gross margin from cost, target markup and optional quantity, with a printable pricing note.FinanceMortgage Payment CalculatorEstimate a monthly principal-and-interest mortgage payment from loan amount, interest rate and term, with optional tax and insurance fields.Work & PayrollOvertime CalculatorSplit one shift into regular time and overtime, deduct unpaid breaks, and estimate gross pay from a base rate and overtime multiplier.Work & PayrollPay Raise CalculatorCalculate a pay raise from current salary or hourly pay, with new pay, annual difference, percentage increase and optional bonus comparison.Finance & MoneyPayment / Interest Equivalent CalculatorCompare the same loan across payment, rate and term scenarios to see what monthly payment, total interest and equivalent APR imply.Work & PayrollPayroll Time Card CalculatorEnter start and finish times across the work week, subtract unpaid breaks, split regular and overtime hours, and estimate gross pay for planning.Money EducationPenny Doubling CalculatorTurn the classic penny-doubling puzzle into a visible exponential-growth story with milestones, final jump and complete period timeline.BusinessProfit Margin CalculatorCalculate gross profit, profit margin percentage and markup from cost and selling price, with discounts and extra costs kept visible.Work & PayrollProrated Salary CalculatorCalculate prorated gross salary for a partial year, pay period or contract using annual salary, paid days and optional unpaid leave.TradesQuote Profit CalculatorCheck quoted job revenue against materials, labour, overhead, contingency and tax before sending a price.FinanceRefinance CalculatorCompare an existing loan with a refinance offer using payment, monthly saving, closing costs and break-even month.Finance & MoneyRefinance RadarCompare your current loan with a refinance offer to see monthly saving, upfront switching costs, break-even month and estimated interest saved.Work & PayrollSalary to Hourly CalculatorConvert annual salary into an hourly rate, weekly pay and monthly pay using visible work-hour assumptions.FinanceSavings Goal CalculatorCalculate the monthly saving needed to reach a future goal, with current savings, interest and timeframe shown separately.Home & EnergySolar Panel Payback CalculatorEstimate solar payback from system size, upfront cost, electricity tariff, feed-in tariff and household usage.Real Estate & AustraliaStamp Duty Calculator - All StatesEstimate Australian residential stamp duty for selected states and buyer types using visible sliding-scale rules.Real Estate · AustraliaStamp Duty Calculator — All Australian StatesCalculate stamp duty for property purchases in NSW, VIC, QLD, WA and SA with first home buyer concessions and effective rate. Shows total purchase cost including duty.Finance & EducationStudent Loan Repayment CalculatorEstimate student loan monthly repayment, total interest and payoff timing from balance, annual rate, term and extra payment.Work & PayrollTime and a Half CalculatorCalculate time-and-a-half pay from regular hours, time-and-a-half hours, base hourly rate and optional extra pay, with the formula and printable payroll note kept visible.Time, Work & PayrollTime Card CalculatorTotal a weekly time card from daily hours, unpaid breaks, overtime threshold and hourly rate, with regular/overtime split, gross-pay estimate and a printable work record for payroll prep, invoices and classroom examples.Work Hours & PayrollTime Clock CalculatorCalculate clock-in to clock-out hours, unpaid breaks, rounded payable time and a simple gross-pay estimate with a printable time clock record.Work Hours & PayrollTimesheet CalculatorTotal weekly timesheet hours, unpaid breaks, overtime split and gross pay from daily hour entries, with a printable work-time record for payroll checks, invoices and job notes.Percentage & MoneyTip CalculatorCalculate a restaurant tip, final bill total and per-person split from the bill amount, tip percentage, tax and party size.BusinessVAT / GST CalculatorAdd tax to a net price, remove tax from a gross price, and show the tax amount clearly for receipts, quotes and classroom checks.Events & WeddingsWedding Budget CalculatorBuild a wedding budget from guests, catering, venue, photography, music, flowers, other costs and contingency.