Financial calculators
Interest, loans, savings and VAT — rates to two decimals, commas where you use them, and nothing leaving your device.
Which one do you need?
Four calculations cover most of what people actually need to work out, and each one is a separate tool rather than a single form with a dozen fields.
The VAT calculator works in both directions: add VAT to a net figure, or take it back out of a gross one. The second is the case people get wrong — subtracting 21% from a gross price does not give you the net price, because the VAT was charged on the net figure, not the gross. The rate is an editable field, so reduced rates and other countries work too.
The loan calculator turns an amount, a rate and a term into a monthly payment, the total repaid, and how much of that total is interest. It handles annuity and linear schedules, and will show what an overpayment saves you.
The compound interest calculator projects a balance forward: a starting amount, a rate, regular contributions, and a compounding frequency, with the option to show the result in today’s money after inflation.
The savings goal calculator runs that backwards. You know the target and the date; it tells you the monthly contribution, or how long the goal takes, or the return it would need.
Amounts, rates and formatting
Figures are formatted for the language you are reading in, so decimal commas, thousands separators and currency symbols are the ones you would write yourself. Nothing you type is sent anywhere — the arithmetic happens on your device, and no figure you enter leaves it.