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Banking calculator

Banking Calculators

Compare borrowing, repayments, deposits and savings using the amounts, rates and terms you enter.

Banking decisions in one workspace

Move directly between loan, savings, deposit, repayment and affordability tools without searching through unrelated calculator categories.

▤ Banking workspace

Loans & Repayments

Estimate instalments, payoff schedules, balances and borrowing costs.

Loan CalculatorMonthly payment and total borrowing cost.EMI CalculatorEstimate equal monthly instalments.Amortized Loan CalculatorReview principal and interest over time.Loan Payoff CalculatorEstimate an earlier debt-free date.Remaining Loan BalanceCalculate the outstanding loan balance.Loan Amount CalculatorEstimate affordable principal.Interest Rate CalculatorFind the implied borrowing rate.Loan Term CalculatorEstimate the repayment period.Mortgage CalculatorEstimate home-loan payments.Auto Loan CalculatorPlan vehicle financing.Car Loan Payment CalculatorCompare vehicle payment scenarios.Credit Card RepaymentEstimate payoff time and interest.CAGR CalculatorCalculate compound annual growth rate (CAGR) from a beginning value, ending value, and number of years.Present Value CalculatorCalculate the present value of a future amount using an annual discount rate, time period, and compounding frequency.Future Value CalculatorCalculate future value from a starting amount, annual rate, years, compounding frequency, and periodic contributions.

Savings, Deposits & Investments

Plan savings growth, deposit returns and long-term account values.

Savings CalculatorProject regular savings growth.Compound Interest CalculatorCalculate compounding over time.Interest CalculatorCalculate simple or general interest.Investment CalculatorEstimate investment growth.SIP CalculatorProject recurring investment contributions.Mutual Fund CalculatorEstimate fund investment value.PPF CalculatorProject public provident fund savings.GPF CalculatorEstimate general provident fund growth.EPF CalculatorProject employee provident fund value.401(k) CalculatorPlan workplace retirement savings.Retirement CalculatorEstimate retirement funding needs.

Affordability & Banking Ratios

Assess debt capacity, liquidity, interest coverage and financial resilience.

Debt-to-Income RatioMeasure debt payments against income.Debt-to-Equity RatioCompare debt with equity.Times Interest EarnedMeasure interest-payment coverage.Current RatioAssess short-term liquidity.Quick RatioMeasure liquid-asset coverage.Cost of DebtEstimate effective borrowing cost.Cost of CapitalEstimate blended capital cost.ROI CalculatorMeasure investment return.Inflation CalculatorCompare purchasing power over time.Effective Annual Rate CalculatorConvert a nominal annual interest rate into the effective annual rate (EAR) after compounding.APY CalculatorCalculate annual percentage yield (APY) from a stated annual interest rate and compounding frequency.Average Investment Return CalculatorFind arithmetic and geometric average returns from a series of periodic investment returns.Payback Period CalculatorEstimate how long it takes cumulative project cash inflows to recover the initial investment.Discounted Payback Period CalculatorCalculate how long discounted future cash flows take to recover an initial investment.Bond Price CalculatorEstimate a fixed-rate bond price from face value, coupon rate, market yield, years to maturity, and coupon frequency.Bond Yield CalculatorEstimate yield to maturity (YTM) from a bond price, face value, coupon rate, years to maturity, and payment frequency.Certificate of Deposit CalculatorEstimate maturity value and interest earned on a certificate of deposit using principal, APY, and term.Fixed Deposit CalculatorCalculate fixed-deposit maturity value and interest using a nominal annual rate, term, and compounding frequency.Recurring Deposit CalculatorEstimate the future value of regular monthly deposits with compound interest.Annuity CalculatorCalculate the future value of regular annuity payments using a rate, term, payment frequency, and payment timing.Annuity Payout CalculatorEstimate the periodic payout supported by a starting balance over a fixed term and interest rate.Loan Comparison CalculatorCompare two amortizing loans side by side using amount, interest rate, and term.Loan Refinance CalculatorCompare a current loan with a proposed refinance, including closing costs and estimated break-even time.Debt Snowball CalculatorEstimate payoff time and interest when extra payments target the smallest debt balance first.Debt Avalanche CalculatorEstimate payoff time and interest when extra payments target the highest APR debt first.Emergency Fund CalculatorEstimate an emergency-fund target from essential monthly expenses and a chosen number of months of coverage.Savings Goal CalculatorEstimate the monthly contribution needed to reach a future savings target from a current balance and assumed annual rate.Loan-to-Value (LTV) CalculatorCalculate loan-to-value ratio from a loan balance and property or asset value.Debt Service Coverage Ratio (DSCR) CalculatorCalculate DSCR from annual net operating income and annual debt-service obligations.

Planning note: Results are estimates. Actual bank rates, fees, taxes, compounding rules and eligibility requirements can differ by institution and location.

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House Affordability CalculatorEstimate an affordable home price from income, monthly debts, down payment, mortgage rate, taxes, insurance, HOA and front/back debt-to-income limits.Student Loan CalculatorCalculate student-loan payment, payoff time, total interest and savings from optional extra monthly payments.APR CalculatorEstimate fee-adjusted APR from loan amount, note rate, term, upfront fees and points, with monthly payment and effective annual rate.Down Payment CalculatorPlan down payment, closing costs, cash gap, loan-to-value and months to savings goal for a home purchase.Rent vs Buy CalculatorCompare renting and buying using mortgage amortization, home appreciation, rent growth, ownership costs, selling costs and opportunity-cost investing.HELOC CalculatorEstimate HELOC interest-only draw payment, repayment payment, utilization, payoff time and interest impact of extra payments.Home Equity Loan CalculatorEstimate home-equity loan borrowing capacity, fixed payment, combined loan-to-value, closing costs and total interest.Payment CalculatorCalculate a loan payment, payoff time, total interest and the effect of extra payments for monthly, biweekly, weekly, quarterly or annual payment schedules.Currency CalculatorConvert between two currencies using an exchange rate you enter, with bidirectional conversion, percentage fees, fixed fees, inverse rate and effective rate.Debt Consolidation CalculatorCompare multiple current debts with a consolidation loan using balances, APRs and payments, including payoff time, total interest, fees, payment change and potential savings.Repayment CalculatorCalculate debt payoff time and total interest from a current balance and payment, then compare extra payments and the payment required to reach a target payoff date.Auto Lease CalculatorEstimate an auto lease payment from negotiated price, residual value, money factor, term, tax and fees, with depreciation charge, finance charge and due-at-signing breakdown.Personal Loan CalculatorCalculate personal-loan payment, total interest, net cash received after origination fees, total borrowing cost and a fee-adjusted effective annual borrowing rate.Pension CalculatorProject retirement savings from current balance and monthly contributions, then estimate sustainable retirement income, inflation-adjusted value and the gap to a desired monthly pension target.

Compare borrowing and deposit scenarios consistently

Begin a borrowing comparison with the same loan amount and repayment term. Changing the term can reduce an installment while increasing the time over which interest is paid. Use the loan calculator to review payment and interest together, then use the refinance calculator when you need to account for switching costs.

Deposits and savings schedules

A fixed deposit starts with a principal amount, while a recurring contribution plan adds money over time. Select the fixed deposit calculator or recurring deposit calculator to match the actual arrangement. The compounding frequency and deposit timing affect the modeled maturity value.

Prepare the figures before calculating

Keep rates on the period requested by the selected tool, and use one currency for each scenario. Identify fees separately from interest. For a repayment calculation, distinguish the original borrowing amount from a current outstanding balance. For deposits, check whether a quoted amount represents principal, contributions or a maturity total.

The results use the terms you enter. They are useful for checking arithmetic and comparing assumptions; a provider's final schedule can also depend on its payment dates, fee rules, rounding and account conditions. Retain those assumptions with the result when discussing an offer.