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Finance & Investment

196 free online calculators — instant results, no sign-up

All 196 Finance & Investment Tools

HOT

Mortgage Calculator

Monthly payment, rates and early-payoff comparisonHOT

Auto Loan Calculator

Car payment, total cost and purchase taxHOT

Income Tax Calculator

Salary tax, take-home pay and annual bonus tax

Freelance Income Tax Calculator

China labor remuneration withholding 20/30/40% and net-to-grossHOT

Take-Home Pay Calculator

Social insurance, tax and net monthly salaryHOT

Compound Interest Calculator

Future value, recurring deposits, year-by-year growth

Inflation Calculator

Purchasing power, currency depreciation, future value

ROI Calculator

Return on investment, annualized return and holding period

Retirement Calculator

Savings goal, monthly deposit and retirement age

Loan Comparison Calculator

Equal payment vs equal principal — total interest compared

Early Mortgage Payoff Calculator

Shorter term vs lower payment — interest saved

Savings Goal Calculator

Monthly deposit needed and time to reach your goal

Stock Return Calculator

Buy/sell price, dividends and holding-period return

Bond Price Calculator

Pricing from face value, coupon and yield

Yield to Maturity Calculator

Solve YTM from purchase price, coupon and maturity

ETF Premium Calculator

Market price vs NAV, premium/discount rate and per-100-share deviation

Annuity Calculator

Future and present value of ordinary annuitiesHOT

Currency Converter

Major currency pairs with reference rates

Dividend Yield Calculator

Dividend per share vs price — yield percentage

Credit Card Payoff Calculator

Payoff time, total interest and minimum-payment trap

NPV & IRR Calculator

Net present value, internal rate of return and payback period

XIRR Annualized Return Calculator

Irregular dated cash flows, Newton iteration

Ex-Dividend Price Calculator

Adjust price for dividend, bonus and rights issue

International Wire Fee Calculator

Rate, caps and telecom fee

Home Affordability Calculator

How much house you can afford from income and down payment

Salary to Hourly Calculator

Annual salary to hourly, daily, weekly and monthly rates

Debt-to-Income Calculator

DTI ratio with the 28/36 rule and lender thresholds

50/30/20 Budget Calculator

Split income into needs, wants and savings

Fixed Deposit Calculator

Lump-sum and monthly deposit interest with listed rates

Business Income Tax Calculator

5-bracket progressive tax with halving preference for individual businesses

Installment True APR Calculator

IRR-based true annualized rate of installment plans

Daily Interest to APR Calculator

Convert wan-based daily or monthly folk rates to nominal APR

Customs Duty Calculator

Personal postal import tax with the 50-yuan exemption rule

VAT Refund Calculator

Shopping tax refund from gross price, VAT and refund rate

Rule of 72 Calculator

Doubling time, growth multiple and inflation halving

Pay Raise Calculator

Raise percentage to new salary, monthly and hourly

APY Calculator

Nominal rate to effective annual yield by compounding

FIRE Calculator

Financial independence target and years to retire early

Amortization Calculator

Full loan amortization schedule per period

Simple Interest Calculator

I=Prt with compound interest comparison

CAGR Calculator

Compound annual growth rate from start/end values

Payback Period Calculator

Static and discounted payback with NPV reference

Cap Rate Calculator

NOI ÷ price, vacancy and property returns

Car Out-the-Door Price Calculator

China purchase tax, insurance and total drive-away cost

Dollar-Cost Averaging Calculator

Monthly investment future value and returns

Court Fee Calculator

Cumulative filing fee brackets, halved for simplified cases

Deposit Limit Calculator

Civil Code 20% cap, double refund

Early Withdrawal Calculator

demand-rate recalc & interest loss

Royalty Tax Calculator

flat 20% withholding & 70% rule

Credit Grace Period Calculator

purchase date → due & free days

Renovation Loan Calculator

Annuity vs card instalment · true APR comparison

Net Pay Calculator

Gross salary, social insurance, tax to net pay

Severance Pay Calculator

N, N+1 and 2N compensation with 3x average salary cap

Work Injury Compensation Calculator

Lump-sum subsidy by grade 1-10 and monthly allowance

Annual Bonus Tax Calculator

China year-end bonus IIT with critical point alerts

Deed Tax Calculator

China home purchase deed tax by area and home count

Secondhand Home Tax Calculator

Deed tax, VAT and PIT split by buyer and seller

Net Worth Calculator

Assets minus liabilities breakdown

Private Pension Tax Savings

China pension account tax deduction estimator

Combo Loan Calculator

Housing fund + commercial mortgage combined

Car Depreciation Calculator

Year-by-year value, mileage adjustment

Mutual Fund Return Calculator

Share-based P&L, subscription/redemption fees

Black-Scholes Option Pricer

European call/put pricing with Greeks

Pension Estimator

Basic + personal account, replacement rate

Debt Snowball vs Avalanche

Multi-debt payoff order comparison

Rental Yield Calculator

Gross/net yield, price-to-rent ratio

Housing Fund Calculator

Monthly deposit, compound balance, loan quota

Grid Trading Calculator

Geometric grids, full-position capital

Daily Interest Converter

Per-10k daily ↔ annual rate, legal cap

Flexible Employment Social Insurance Calculator

Pension 20%, tier 60-300%, custom medical rate

Gold Price Calculator

Gram/oz/kg conversion, purity, craft fee

Car Insurance Estimator

Compulsory + vessel tax + commercial (CN)

Stock Profit Calculator

A-share fees, break-even price, ROI

Money Fund Calculator

Per-10k ↔ 7-day yield, holding return

Mortgage Prepayment Calculator

Shorter term vs lower payment

Limit Up/Down Price Calculator

CN stock daily price limits

Convertible Bond Calculator

Conversion value, premium, double-low

Bank Acceptance Discount Calculator

Interest, net proceeds and annualized cost

P/E Valuation Calculator

PE + PEG + earnings yield

Futures Margin Calculator

Contract value + leverage + lots

Property Tax Calculator

Value-based 1.2% / rental 12%

Sharpe Ratio Calculator

Sharpe + Sortino + risk-adjusted return

Maximum Drawdown Calculator

Peak-to-trough loss from a NAV series, recovery gauge

Average Down Calculator

Weighted cost basis · breakeven move

DCF Valuation Calculator

Discounted cash flow · sensitivity table

Margin Interest Calculator

Interest accrual · maintenance ratio

Emergency Fund Calculator

3-12 months coverage · savings gap plan

Insurance IRR Calculator

Annuity true yield · cash value table

Insurance Coverage Calculator

Term life survivor-needs · critical illness income replacement

Position Size Calculator

2% rule · stop-loss based sizing

Effective Annual Rate Calculator

EAR=(1+r/m)^m−1 · compounding frequency comparison

Current Ratio Calculator

Current & quick ratio · short-term solvency

Burn Rate & Runway Calculator

Runway = cash / net burn · fundraising cadence

Margin Call Price Calculator

Liquidation price under maintenance margin ratio

Perpetuity Calculator

Present value of level or growing perpetuity

Education Fund Planner

Back-solve the monthly contribution needed to reach an education fund target given years and expected return.

Social Insurance & Take-home Pay

Take-home pay after social insurance contributions and monthly withholding tax, with a full breakdown.

Fund Fee Cost

Total fund costs over the holding period from management, custody and subscription fees, with ratio comparison.

Freelance Hourly Rate

Back-solve an hourly rate from a target annual income, accounting for non-billable time and idle gaps.

Cashback Card Comparison

Compare two credit cards on annual cashback minus annual fees to find the better everyday card.

Late Fee Calculator

Late fees from principal, daily rate and overdue days, with typical 0.05% daily rate and grace period rules.

Subscription Audit

Total subscription spend from monthly and yearly fees, waste from low usage, and downgrade suggestions.

52-Week Savings Challenge

The 52-week challenge totals: increasing, decreasing and fixed weekly deposits with a yearly sum.

Carpool Savings

Monthly fuel savings from carpooling, based on commute distance, fuel use, price and riders.

Workday Coffee Calculator

Annual spend on workday coffees, and savings from home-brewing.

Round-Up Savings Calculator

Round every purchase up and save the change: annual savings estimate.

Salary Raise Compounding

Project salary with annual raises and compare against a flat scenario.

Stock Option Vesting Value

Pre-tax gain and after-tax take-home from vested options.

Kids Allowance Plan

Annual allowance from monthly amount plus holiday red packets, with a savings split.

Deposit Refund Check

Itemize deductions and check how much deposit should come back.

Rent Increase Projection

Project rent with annual increases to gauge long-term renting pressure.

Overtime Hourly Value

Convert monthly salary to hourly rate and value overtime at 1.5x or 2x.

Annual Leave Value

Convert remaining annual leave into cash value and time value.

Commute Time Value

Annualize daily commute time at your hourly rate to weigh moving or job changes.

Remote Day Savings

Quantify time and money saved per remote workday.

Salary to Hourly

Convert annual salary to a true hourly rate accounting for real working hours.

Student Loan Payment

Monthly payment and total interest for a student loan.

Rental Deposit Cost

Opportunity cost of your deposit plus agency fee amortization.

Monthly Fuel Budget

Monthly fuel budget and weekly fill plan from mileage and consumption.

Bike Share Pass Compare

Compare pay-per-ride against monthly pass from your riding frequency.

Streaming Cost Compare

Combined annual cost of two streaming plans to decide which to keep.

VPN Plan Compare

Monthly vs yearly VPN pricing gap for long-term users.

DCA Cost Averaging

Average cost and unrealized return of a 12-month dollar-cost averaging plan.

Mortgage Refinance

Payment gap and net saving from refinancing to a lower rate minus fees.

Extended Warranty Check

Expected failure cost vs warranty price to decide whether the extension pays off.

Loyalty Points Value

Cash value of loyalty points from balance and redemption rate.

Gift Card Burn Plan

Weekly spend plan from remaining balance and days to expiry.

Venue Capacity

Safe guest capacity from usable area and event layout.

Foundation Usage

Foundation monthly usage from dose per application and frequency.

Warehouse Club Membership

Warehouse club membership payback from monthly spend and reward rate.

Daily Budget

Daily spending budget from income, fixed costs and savings goal.

Resale Price Guide

Secondhand listing price from category depreciation and condition.

Bring-Your-Own Cup Payback

Weeks for a reusable cup to pay back via in-store discounts.

Pet Monthly Cost

Monthly pet costs by type and size tier.

Latte Factor

Compound value of small daily spending invested instead.

Cost Per Wear

True cost per wear from price and expected wears.

Utility Monthly Budget

Monthly utility bill from usage and unit prices.

Books vs Membership

Yearly cost of buying books vs e-book membership.

Phone Upgrade Amortization

Monthly amortized cost and savings from delaying upgrade.

Contacts vs Glasses Yearly

Yearly cost of contacts vs eyeglasses.

Electric vs Manual Toothbrush

Yearly cost of electric vs manual toothbrush.

Rechargeable Battery Savings

Yearly savings of rechargeable vs disposable batteries.

Property Fee Yearly

Monthly and yearly property management fee.

Parking Rent vs Buy

Yearly cost of renting vs buying a parking space.

Home Gym Savings

Yearly savings of home gear vs gym membership.

Metro Pass vs Pay

Monthly transit cost: pay-per-ride vs pass.

Powerbank Rent vs Buy

Monthly rental spend vs amortized own powerbank.

Blind Box Yearly Spend

Yearly blind box spend by monthly count and price.

Coffee Machine Payback Calculator

Payback months for a home coffee machine vs cafe purchases.

Heated Blanket Cost Calculator

Winter electricity cost of a heated blanket by night hours and rate.

Group Buy Savings Calculator

Savings from group buying vs individual purchase.

Babysitter Cost Calculator

Monthly babysitter spend from hourly rate and daily hours.

School Supplies Budget Calculator

Back-to-school budget from four common item categories.

Festival Budget Calculator

Holiday gift budget from visiting families and home stock-up.

Pet Insurance Calculator

Pet insurance net saving from expected medical cost and reimbursement.

Tutor Budget Calculator

Monthly tutoring budget from hourly rate and weekly sessions.

Piano Lesson Cost Calculator

Yearly piano lesson cost from per-lesson fee and monthly sessions.

Prepaid Card Value Calculator

Effective per-use price from top-up bonus.

Tour vs Independent Trip Calculator

Compare package tour cost with independent travel budget.

Air Miles Calculator

Annual frequent flyer miles from fare and trips.

Driving School Calculator

Total driving school cost from fees.

Kindergarten Cost Calculator

Annual kindergarten cost from monthly fees.

EV Battery Amortization Calculator

Monthly e-bike battery cost from price and life.

Airport Parking Calculator

Airport parking cost vs taxi round trip.

Time-of-Use Bill Calculator

Peak-valley bill vs flat rate.

RV Rental Calculator

RV trip budget by days, mileage and campsites.

Flight Insurance Calculator

Flight accident insurance by trip segments.

Annual Pass Calculator

Annual pass vs single tickets by visit count.

Medical Companion Calculator

Paid companion vs family leave cost by visit count.

Movie Monthly Budget Calculator

Movie budget by monthly visits.

Park Bundle Pass Calculator

Bundle pass vs separate tickets.

Home Insurance Premium Calculator

Home insurance premium by property value.

Gold Jewelry Price Calculator

Gold jewelry total by weight.

Summer Camp Budget Calculator

Camp budget by fees and gear.

Overweight Baggage Fee Calculator

Overweight baggage fee by excess kg.

Study Room Monthly Cost Calculator

Monthly cost by daily hours.

Dog Training Cost Calculator

Training cost by session count.

Portrait Package Cost Calculator

Package cost by retouched photos.

Pet Shipping Cost Calculator

Shipping cost by weight.

Probation Salary Calculator

Probation pay by discount.

Project Payback Calculator

Payback months by profit.

VIP Sharing Calculator

Cost split for shared memberships.

Dog Walking Cost Calculator

Monthly cost by walks.

Escape Room Cost Calculator

Total price by players.

Group Buy Calculator

Savings by discount and units.

Shipping Insurance Calculator

Monthly cost by orders.

Flower Subscription Calculator

Per-order vs monthly plan.

Refurbish Savings Calculator

Savings vs new price.

Return Cost Calculator

Net cost after insurance.

Parcel Split Calculator

Share by headcount.

Coupon Stacking Calculator

Final price by stacking.

Laundry Shop Comparison

Per-piece vs monthly plan.

Top-up Bonus Calculator

Effective discount by bonus.

Business Trip Calculator

Trip budget by stay.

Confinement Center vs Nanny Calculator

Center vs nanny cost.

Honeymoon Budget Calculator

Trip budget by stay.

Related Guides

Equal Payment vs Equal Principal: Which Saves More?

Equal payment (annuity) keeps monthly payments constant; equal principal costs less interest overall but starts higher. Real test on a $1M loan: $67k interest difference over 30 years. Formulas, comparison tables, rate sensitivity analysis and a decision tree inside.

Housing Provident Fund Loans: Rates, Limits & How to Apply

HPF rates are ~0.6 percentage points below commercial loans (2.6% vs 3.3% for first homes). Max loan is typically 0.6–1.2M depending on city and account balance. Covers rate tables, limit formulas, the commercial-to-HPF conversion process and common pitfalls.

Take-Home Pay: Social Insurance, Housing Fund & Income Tax

Gross ¥10,000/month takes home roughly ¥7,500–8,000 after social insurance (~10.5%), housing fund (5–12%) and income tax. Includes the full deduction formula, 2025 social insurance base caps, special additional deductions and year-end bonus tax strategy.

Home Buying Costs: Down Payment, Taxes & Fees Checklist

Beyond the down payment: deed tax 1–3%, agency fees 1–2.7%, maintenance fund ~2%, plus appraisal and mortgage fees. A ¥3M first home typically needs ¥450k down + ¥80–120k in taxes and fees. Full cost tables and city policy differences inside.

Resale Home Taxes: VAT, Income Tax & Deed Tax Explained

Selling a resale home: VAT 5.3% if under 2 years (exempt after 2 years in most cities), income tax 1% of price or 20% of gain (exempt if owned 5+ years and only home), deed tax 1–3% paid by buyer. Includes the "满二/满五唯一" exemption rules and real cost tables.

Growth Rate & CAGR: Formulas and Annualized Returns

CAGR = (end ÷ start)^(1/years) − 1. 100k → 200k in 5 years = 14.87% CAGR (not 20%). Covers YoY vs CAGR vs average growth, the arithmetic-mean trap, and how to compare investments with different horizons.