Interest Calculator

  • Future Value (FV) Calculator
    Calculate the future value of a lump sum with compound interest. Enter present value, annual rate of return and years to find FV = PV × (1 + r)^n.
  • 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.
  • Credit Card Interest Calculator
    Enter your balance and APR, then choose fixed monthly payment or target months to view total interest, months to payoff, total cost, and required payment.
  • Effective Interest Rate Calculator (Compensating Balance / Restricted Deposit)
    Compute the effective interest rate on a loan that requires a compensating balance / restricted deposit. Shows nominal loan rate and true cost of net funds.
  • Deposit Interest Calculator
    Enter your deposit amount, annual rate, years, and compounding (annual to daily) to calculate final balance and interest earned for your investment.
  • CAGR (Compound Annual Growth Rate) Calculator
    Calculate Compound Annual Growth Rate (CAGR) from beginning and final values. Solve for CAGR%, periods, beginning, or final value in days, weeks, months, quarters or years.
  • Loan Interest Calculator
    Enter loan amount, annual rate, term, and compounding to see payment per period, total interest, total of payments, and effective annual rate.
  • Simple Interest Calculator
    Compute simple interest from principal, rate, and years. See interest earned and total amount instantly to plan loans or savings.
  • Bond Price vs. Yield-to-Maturity Table Calculator
    Build a table of simple final yields (yield to maturity) across a range of bond purchase prices, using the Japanese simple-yield convention with face value 100.
  • Bond Price Calculator
    Calculate the fair price of a bond from its face value, coupon rate, market yield, maturity and payment frequency using present value discounting.
  • Bond Equivalent Yield Calculator
    Calculate the bond equivalent yield (BEY) of a discount bond or T-bill from its face value, purchase price, and days to maturity on a 365-day basis.
  • Six Coefficients of Asset Management Calculator
    Compute the six time-value-of-money coefficients (future/present value, sinking fund, capital recovery, annuity factors) from an annual rate and term. FP-exam friendly.
  • Future Value Factor (Compound Growth) Calculator
    Calculate the future value factor (1+r)^n and the compound future value of a single lump sum. Includes a year-by-year factor table with adjustable rounding.
  • Present Value Factor (Discount Factor) Calculator
    Compute the present value factor 1/(1+r)^n and the principal needed today to reach a future amount. Choose rate, years, decimals and rounding mode.
  • Blended Rate Calculator
    Calculate the blended (weighted average) interest rate across multiple loans or balances. Combine up to three balances and rates instantly.
  • Blended (Weighted Average) Interest Rate Calculator
    Calculate the blended (weighted average) interest rate across multiple savings accounts or balances. Free, instant, and easy to use.
  • Simple vs Compound Interest Difference Calculator
    Compare simple vs compound interest side by side. Enter principal, annual rate and years to see both final balances, interest earned and the difference.
  • Interest Rate Calculator
    Calculate interest rates effortlessly with this Interest Rate Calculator. Input principal amount, interest rate, time, and compound frequency for accurate results. Optimize your financial planning today!
  • Bill (Promissory Note) Discount Calculator
    Calculate the discount charge and net cash from discounting a promissory note/bill early in Japan. Uses a 365-day year and yen rounding options.
  • Present Value Calculator (Basic)
    Calculate the present value (PV) of a future sum by discounting it over time at an annual rate with daily, monthly, quarterly or yearly compounding. Shows PVIF.
  • Future Value Calculator (Basic)
    Compute the future value (FV) of a single lump sum with periodic compounding. Enter present value, rate, years and frequency to get FV and the FVIF factor.
  • Loan Moratorium Calculator
    Calculate accrued loan balance and revised EMI after a moratorium period. See how skipped payments compound interest and raise your monthly instalment.
  • Recurring Savings Calculator with Bonus Contributions (Tax Each Period)
    Japan savings simulator: monthly deposits plus twice-yearly bonus top-ups, compound interest credited and taxed (default 20.315%) each period to maturity.
  • Recurring Deposit (Installment Savings) Calculator with Lump-Sum Tax at Maturity
    Japan recurring deposit (installment savings) calculator: monthly/semi-annual/annual compounding maturity with optional initial principal and a single 20.315% tax on interest.

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