Finance

Finance calculators give you clear, instant numbers for decisions that typically require a spreadsheet or a financial adviser. From mortgage repayments and loan EMI to salary net pay and compound interest growth, every calculation uses standard financial formulas applied transparently — so you can see exactly how the figure was reached, not just receive an answer.

Mortgage Calculator — Full PITI Breakdown

The Mortgage Calculator computes your complete monthly housing cost: principal and interest (P&I), property tax, homeowner's insurance, PMI (for down payments under 20%), and optional HOA fees — the full PITI payment. An amortisation schedule shows how every monthly payment is split between principal and interest across the full loan term. A rate stress test lets you see how your payment changes if interest rates rise by 1–3%.

Loan Calculator — Monthly EMI & Total Cost

The Loan Calculator uses the standard amortisation formula to break down your monthly payment into principal and interest components across the full loan term. Enter the loan amount, interest rate, and term to see your monthly EMI, total interest paid, and total cost of the loan. Use it for personal loans, car loans, student loans, or any fixed-rate instalment product.

Compound Interest Calculator

The Compound Interest Calculator shows how frequency of compounding — annually, monthly, or daily — affects long-term growth on savings or investments. Enter your principal, annual rate, and compounding period to see year-by-year growth. Compounding frequency can make a significant difference over 10–30 year horizons, making this tool essential for comparing savings accounts and investment products.

Salary & Tax Calculators

The Salary Calculator converts between hourly, weekly, monthly, and annual pay, and shows federal tax, state tax (where applicable), and FICA deductions using current IRS rates. The Tax Calculator estimates your federal income tax liability using the current IRS marginal tax bracket structure. Both tools are for informational purposes — consult a qualified tax professional for personal advice.

Currency & Fuel Cost Tools

The Currency Converter provides live exchange rates for major currency pairs (USD, EUR, GBP, PKR, INR, and more) sourced from public exchange rate APIs. It supports both major and cross-currency pairs commonly used in South Asia and the Middle East, including PKR/USD, INR/EUR, and AED/PKR — useful for remittances, travel budgeting, and international business transactions. The Fuel Cost Calculator estimates total fuel spend for any trip or daily commute — enter your distance, vehicle MPG or L/100km, and local fuel price to get total cost, cost per mile, and litres or gallons needed.