CalcSite
Calculators that show their working. Each one shows the formula it uses, works through real examples, and says what happens at the edges.
Finance calculators
- After-Tax Cost of Debt Calculator
Convert a pre-tax borrowing rate into the rate a company actually bears once interest is deducted, and see what the deduction is worth in money each year.
- Amortization Schedule Calculator
See how a level loan payment splits between interest and principal month by month, which month the split finally flips, and how much is still owed at the halfway point of the term.
- Balloon Payment Calculator
Work out the monthly payment on a balloon loan, the lump sum due at the end of the term, and how much the lower payment costs in extra interest.
- Biweekly Mortgage Payment Calculator
Accelerated and simple bi-weekly plans look alike and are not: one clears the mortgage years early, the other saves nothing. See which one you have.
- Compound Interest Calculator
Work out what a lump sum plus regular deposits grows to at monthly, quarterly or daily compounding — and see how much of the final balance is interest.
- Coupon Payment Calculator
Work out what a bond pays each period, what that comes to over its life, and the three different yields that all get called "the yield" — from a coupon rate, a price and a maturity date.
- Credit Card Minimum Payment Calculator
See how long a credit card balance takes to clear if you only ever pay the minimum — and why the minimum shrinks as the balance falls. Includes the case where it never clears at all.
- Debt Payoff Calculator
Work out how many months a fixed monthly payment needs to clear a balance, how much interest it costs, and the payment below which the debt never clears at all.
- Debt to Capital Ratio Calculator
Work out what share of a company is funded by borrowing, alongside debt-to-equity, and see the cases — negative equity, no capital at all — where the ratio stops meaning what people assume.
- Down Payment Calculator
Work out the down payment on a house, the loan that follows, and how far short of the 20% line you are — the point where mortgage insurance usually stops.
- Effective Interest Rate Calculator
Work out the real annual cost of a loan once the fees are counted: the rate at which the payments you make have a present value equal to the money you actually receive.
- Mortgage Extra Payments Calculator
See what an extra monthly payment, an annual lump sum, or both do to a mortgage: how many years come off the term and how much interest disappears.
- Mortgage Points Calculator
See what discount points cost up front, how far they cut the rate, and how many months of the lower payment it takes to get that money back.
- Mortgage Calculator
Work out the monthly payment on a home loan, and see what the loan costs in total once interest is included. Compare terms side by side before you commit.
- Savings Goal Calculator
Work backwards from a target: enter what you want to end up with and see the monthly deposit it takes, including the interest those deposits earn along the way.
- Simple Interest Calculator
Work out simple interest, where the interest never earns interest of its own. Shows the yearly breakdown and compares the result against compounding.