Optimize your savings, investments, and daily expenses instantly.
Visualize how your savings and investments grow over time with compound interest and regular contributions. See the power of reinvesting returns with an interactive chart. Compare different rates and time horizons instantly.
Find out when buying a home becomes cheaper than renting with a detailed long-term cost comparison. Includes mortgage costs, opportunity cost of down payment, and property appreciation. See the break-even point on a chart.
Find out exactly how much you need to save each month to reach your financial goal on time. Accounts for compound interest to maximize your savings. Adjust the timeline and interest rate to find your ideal plan.
Calculate how your monthly SIP investments grow over time through the power of compounding. See projected returns, total invested amount, and wealth gained with an interactive chart. Plan your long-term investment strategy.
Quickly calculate percentages, find what percent one number is of another, or calculate percentage change between two values. Covers all common percentage problems in one tool. Real-time results with no button needed.
Add or remove VAT for 30 European countries with one click. Supports all standard, reduced, and super-reduced VAT rates. Instantly shows net price, VAT amount, and gross price.
Add or remove US sales tax from a price using current state and local rates for all 50 states.
Project your 401(k) balance growth from salary, contribution rate, and employer match.
Calculate your net worth by totaling your assets and subtracting your liabilities.
Compare the debt snowball and avalanche methods to pay off multiple debts faster.
Calculate net take-home pay from gross salary for the US, UK, Germany, India, and Canada — income tax and social contributions included.
Calculate your take-home pay per paycheck from an annual salary or hourly rate, with tax and social contributions withheld.
Convert between 30 major world currencies using daily-updated exchange rates, sourced from the European Central Bank.
Calculate sale prices, stack multiple discounts correctly, or find the original price from a discounted price.
Find out how much you need to retire and whether your current savings plan is on track, using the 4% withdrawal rule.
Calculate return on investment and annualized return (CAGR) from an initial to a final value.
Calculate the electricity cost of your appliances — daily, monthly, and yearly — from wattage and your tariff.
Calculate fuel costs for any trip or your monthly driving budget. Compare petrol, diesel, LPG, and electric vehicle costs across multiple currencies. Enter your car's consumption and current fuel price for instant results.
Calculate the tip amount and split the total bill evenly among any number of people. Supports custom tip percentages and group sizes. No more mental math at the restaurant.
See what the same goods will cost in the future and how much purchasing power your money will lose.
Free income tax calculator. Estimate your 2026 US federal income tax by filing status, using current IRS tax brackets and standard deduction amounts.
Free margin calculator. Calculate profit, margin, and markup from cost and price, or find the right selling price from a target margin.
Free break-even calculator. Calculate how many units you need to sell to cover fixed and variable costs and reach the break-even point.
Free IRA calculator. Project IRA (Traditional or Roth) balance growth from annual contributions and expected annual returns, using 2026 IRS contribution limits.
Free simple interest calculator. Calculate simple interest and total amount from principal, interest rate, and time period, with no compounding.
calculators
Whether you are planning to reach a specific savings goal, projecting compound interest growth for long-term investments, figuring out how much a SIP (Systematic Investment Plan) will return over a decade, or simply calculating VAT and fuel costs for your business, having the right numbers at your fingertips is crucial. Poor estimates lead to missed targets and wasted money. Our financial calculators provide instant clarity backed by proven mathematical formulas, so every decision you make — from daily budgeting to retirement planning — is grounded in accurate, real-time data rather than rough guesses.
How it works
Select one of our seven financial tools, enter your numbers, and get instant results. The compound interest calculator lets you project growth over any time period with adjustable compounding frequencies. The SIP calculator models systematic monthly investments to show your projected portfolio value. The savings goal planner works backward from a target amount and deadline to tell you exactly how much to set aside each month. The VAT calculator instantly converts between net and gross prices for any EU country. All results update in real time as you adjust inputs — no page reloads, no waiting. When you are done, export any calculation as a clean PDF for your records or to share with your accountant.
Zero cost tools
We believe financial planning tools should be accessible to everyone — whether you are a student budgeting for the first time or a small business owner tracking VAT. CalcHere is completely free with no premium tiers, no paywalls, and no feature restrictions. We sustain the platform through non-intrusive ads that never block your view or interrupt your workflow. Every calculator, every chart, and every PDF export is available to all users without limits.
Smart strategies
Start Compound Interest Early
Even small monthly contributions grow exponentially over time. Use the compound interest calculator to see how starting 5 years earlier can double your final balance.
Set Realistic Savings Goals
Our savings goal calculator works backward from your target amount. Enter your deadline and see exactly how much you need to save each month.
Track VAT for Your Business
The VAT calculator supports rates for 30+ countries. Use it to quickly determine net and gross prices for invoices and accounting.
Compare SIP vs. Lump Sum
Use the SIP calculator to compare systematic monthly investing versus a one-time lump sum. See which strategy yields a higher return for your risk profile.
Review Results Regularly
Financial conditions change — revisit your calculations every few months. Adjusting for new interest rates or income levels keeps your plan realistic and on track.
Export and Share Your Plan
Download your results as PDF and share them with a financial advisor or partner. Having a documented plan makes it easier to stay accountable and make informed decisions.
Our tools use the same formulas trusted by financial institutions worldwide. The compound interest calculator applies the standard formula A = P(1 + r/n)^(nt) with support for monthly, quarterly, and annual compounding frequencies. The VAT calculator includes accurate, regularly updated standard rates for over 30 European countries, while the savings goal planner uses reverse-engineering math to determine the exact monthly contribution you need. Every result is computed to the cent, giving you numbers you can confidently plug into spreadsheets, business plans, and investment proposals.
We do not track your savings goals, investment amounts, business revenue, or any other financial data you enter. Every calculation runs entirely in your browser using client-side JavaScript. No data is sent to our servers, no cookies record your inputs, and no third-party analytics tools can access your numbers. Your financial planning stays completely private — exactly as it should be.
CalcHere is built by an independent team with no ties to banks, brokerages, or financial product providers. We do not promote specific savings accounts, investment platforms, or insurance products. Our calculators exist solely to give you accurate, unbiased numbers so you can make informed decisions on your own terms. The formulas we use are publicly documented, and every result is fully transparent.
Every financial calculation can be exported as a professional PDF with one click. The document includes your input parameters, all computed results, and any charts or breakdowns generated by the calculator. Use it for your personal records, share it with your accountant during tax season, or attach it to a business proposal. No registration, no email address, no watermarks — just your data, cleanly formatted and ready to print.
Compound interest means you earn interest not only on your original deposit (the principal) but also on the interest that has already accumulated. The formula A = P(1 + r/n)^(nt) calculates the final amount, where P is the principal, r is the annual rate, n is the compounding frequency (monthly, quarterly, or annually), and t is the number of years. The more frequently interest compounds, the faster your money grows. This exponential effect is why even modest monthly contributions can result in significant wealth over long time horizons.
A SIP (Systematic Investment Plan) calculator estimates the future value of regular, fixed monthly investments over a chosen period. Instead of investing a lump sum all at once, SIP lets you invest consistently — say 100 euros per month — and benefit from rupee-cost averaging and compound growth. Our SIP calculator shows you the projected portfolio value, total amount invested, and the wealth gained purely from returns, helping you set realistic long-term investment expectations.
Our VAT calculator uses the current standard rates for over 30 countries across Europe and beyond, and is updated regularly to reflect any legislative changes. It instantly converts between net (excluding VAT) and gross (including VAT) prices in both directions. For reduced, super-reduced, or zero-rated categories, we recommend verifying with your local tax authority, as these special rates can vary by product type and jurisdiction.
Yes. Every calculator on CalcHere includes a one-click PDF export feature. The exported PDF contains a clean summary of all your inputs, calculated results, and any charts or breakdowns — ready for printing, emailing to a colleague, or attaching to a business document. No registration or email address is required to download your results.
Yes, CalcHere is completely free to use with no hidden fees, no premium tiers, no registration requirements, and no email gates. All calculators are fully functional without any restrictions. We sustain the platform through non-intrusive advertising that does not interfere with your calculations or user experience.