Interest Calculator

  • Yield to Maturity (Approximation) Calculator
    Estimate a bond's yield to maturity (YTM) with the fast approximation formula. Enter coupon rate, face value, price, and years to maturity.
  • Number of Payments (NPER) Calculator
    Calculate how many payments (NPER) it takes to pay off a loan from the present value, fixed payment amount, and interest rate. Free online tool.
  • Loan Payment (PMT) Calculator from Present Value
    Calculate the periodic loan payment (PMT) from a present value, interest rate and term. Get total paid and total interest using the annuity formula.
  • Per Diem Interest Calculator
    Calculate per diem (daily) loan interest from principal and APR. PerDiem = Principal × (APR ÷ 365). See interest accrued over any number of days.
  • Annual Percentage Yield (APY) Calculator
    Calculate APY (Annual Percentage Yield) from a nominal rate and compounding frequency. See your true effective annual return with the formula APY = (1 + r/n)^n − 1.
  • Time to Reach a Target Amount (Compound Interest)
    Find how many years it takes for an investment to grow from a starting amount to a target value at a given compound interest rate and frequency.
  • Implied Interest Rate Calculator
    Find the implied compound interest rate from a start value, end value, and number of periods using r = (A/P)^(1/n) − 1. Free and instant.
  • Break-Even Interest Rate Calculator
    Compare taxable vs tax-free yields. Find the taxable equivalent yield a taxable bond must earn to beat a tax-free municipal bond at your tax rate.
  • Effective Annual Interest Rate (APY) Calculator
    Convert a nominal annual interest rate into the effective annual rate (APY) using EAR = (1 + i/n)^n − 1 for any compounding frequency.
  • Effective Annual Rate (EAR) Calculator
    Convert a nominal annual interest rate into the effective annual rate (EAR) using EAR = (1 + r/n)^n − 1. Compare compounding frequencies instantly.
  • APR to APY (Effective Annual Rate) Calculator
    Convert a credit card or loan APR to its effective annual rate (APY). Enter the APR and compounding frequency to see your true yearly interest cost.
  • Rule of 72 Doubling Time Calculator
    Use the Rule of 72 to estimate how many years it takes an investment to double at a given annual rate. Fast, free doubling time calculator.
  • Interest Earned Calculator
    Calculate the total compound interest earned on savings or a deposit. Enter principal, rate, term and compounding frequency to see interest and final balance.
  • Late Payment Interest Calculator
    Calculate interest on overdue invoices and late payments. Enter the amount, annual rate and days overdue to get the interest owed and total due.
  • Savings Account vs CD Calculator
    Calculate your Certificate of Deposit's value at maturity, total interest earned, and effective APY using compound interest. Free CD vs savings calculator.
  • Rule of 72 Calculator
    Use the Rule of 72 to estimate how many years it takes to double your retirement savings or investment at a given annual return rate.
  • Compound Interest Calculator
    Calculate compound interest and the future value of your savings. Enter principal, rate, years and compounding frequency to see your total balance.
  • Simple Interest Calculator
    Calculate simple interest earned and total savings balance from your deposit, annual rate, and time. Uses I = P × r × t and A = P + I.
  • Flat vs Reducing Balance Interest Rate Calculator
    Compare flat-rate vs reducing-balance loan interest. See total interest, EMI, and the effective rate of a flat-rate loan instantly.
  • ACB Credit Card Interest Calculator
    Estimate your credit card finance charge using the Average Daily Balance (ACB) method, APR, and billing cycle length. Free and instant.
  • Simple Interest Deposit Calculator
    Calculate simple interest earned and total balance on a deposit using I = P×r×t. Enter principal, annual rate, and term in years.
  • APY (Effective Annual Yield) Calculator
    Calculate APY (effective annual yield) from a nominal interest rate and compounding frequency. See the true yearly return with compounding included.
  • Bi-Weekly Mortgage Interest Savings Calculator
    Compare a standard monthly mortgage to a bi-weekly half-payment plan. See how much interest you save and how many years you cut off your loan.
  • Daily Simple Interest Loan Calculator
    Calculate daily simple interest on a loan. Enter principal, annual rate and days to see daily interest, total interest accrued, and full payoff amount.

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