Find the right calculator

Break Even Analysis

Find the break-even point where revenue covers total costs. Enter fixed costs, variable costs and unit price to see how many sales you need to profit.

Cash Flow Calculator

Calculate net cash flow by totalling inflows and outflows. Track whether your business or household generates a positive or negative cash position each period.

Cost Per Unit Calculator

Calculate the cost per unit of any product by dividing total costs by quantity produced. Use this to set competitive prices and maintain healthy profit margins.

Markup Calculator

Calculate the selling price and profit margin from cost and markup percentage. Find the right markup to hit your target profit on any product.

Break-Even Calculator

Calculate units or revenue needed to cover all costs and break even. Enter fixed costs, variable costs per unit and selling price to find your break-even point.

Hourly Rate Calculator

Calculate the minimum hourly rate you need to charge as a freelancer to hit your income goal.

Invoice Totals Calculator

Calculate invoice totals including subtotal, VAT and discounts applied. Quickly work out what to charge clients and produce accurate figures for your invoices.

Profit Margin Calculator

Calculate gross, operating and net profit margins from revenue and cost figures. See how efficiently your business converts sales into profit at each level.

Car Depreciation Calculator

Calculate how much your car will depreciate over time. See future value and total loss.

£20k car at 15% depreciation = £10,368 after 5 years

Car Loan Calculator

Calculate UK car finance and loan repayments, total interest, and borrowing cost. Compare deposits, APRs, and terms before you apply.

£15k car, £3k deposit, 7.9% APR = £267/month

Car Running Cost Calculator

Calculate total annual car running costs including fuel, insurance, depreciation and servicing.

Try our car running cost calculator for instant results

Electric vs Petrol Calculator

Compare annual running costs of electric vs petrol cars based on your mileage and energy prices.

Try our electric vs petrol calculator for instant results

EV Charging Cost Calculator

Calculate electric car charging costs per charge, per month and per mile at home or public chargers.

Try our ev charging cost calculator for instant results

Fuel Cost Calculator

Calculate annual fuel costs based on your mileage, MPG, and fuel price per litre.

10k miles/year, 40 MPG, £1.50/L = £936/year

🏦Credit & Debt

Credit Card Payoff Calculator

Calculate how long it takes to pay off a credit card and see total interest costs.

£3,000 balance at 18% APR

🏦Credit & Debt

Debt Consolidation Calculator

Calculate potential savings from consolidating high-interest debts into a lower-rate loan.

£3,000 balance at 18% APR

🏦Education & Training

Cost of University Calculator

Estimate total university costs including tuition, accommodation, and living expenses.

Try our cost of university calculator for instant results

Electricity Cost Calculator

Calculate your electricity costs per day, month and year based on your usage and unit rate.

2,000 kWh/year at £0.24/kWh = £480/year

Energy Bill Calculator

Calculate your total annual energy bill combining gas and electricity usage, unit rates and standing charges.

Try our energy bill calculator for instant results

Gas Bill Calculator

Calculate your monthly and annual gas bill from your daily usage, unit rate and standing charge.

Try our gas bill calculator for instant results

Solar Panel Savings Calculator

Calculate solar panel savings, payback period and 10-year return based on your system size and energy prices.

£10,000 at 5% for 10 years

APR to APY Calculator

Convert APR to APY to understand the true annual return when interest compounds. See how compounding frequency affects the effective yield on savings or loans.

Home Affordability Calculator

Calculate how much house you can afford based on income, deposit and outgoings. Estimate the maximum mortgage and property price that fits your finances.

Inflation Calculator

Calculate how inflation erodes purchasing power over time. Enter an amount and time period to see what today's money was worth in the past or future.

Mortgage Amortization Calculator

Generate a full mortgage amortization schedule showing monthly principal and interest. See how your balance reduces over the entire term of your home loan.

Buy-to-Let Yield Calculator

Calculate gross and net yield on a UK buy-to-let property. Factor in rental income, purchase costs and expenses to assess whether the investment stacks up.

Deposit Savings Calculator

Calculate how long it will take to save a house deposit based on your monthly savings and interest rate.

£10,000 at 5% for 10 years

Early Repayment Savings Calculator

Calculate interest saved by making early or overpayments on your mortgage or loan. See how extra payments reduce your balance and shorten your repayment term.

Fixed vs Variable Mortgage Calculator

Compare fixed-rate and variable-rate mortgages side by side. See total interest and monthly repayments under each option to choose the right mortgage type.

Interest-Only Mortgage Calculator

Estimate UK interest-only mortgage payments and total interest. See the unchanged capital due at the end and compare a repayment mortgage.

Loan Repayment Calculator

Estimate UK personal loan repayments, total interest and total amount repayable from the amount, APR and term you enter.

Mortgage Affordability Calculator

Estimate UK mortgage affordability from household income, monthly expenses, interest rate, and term. Stress-test borrowing before applying.

Mortgage Calculator

Estimate UK mortgage repayments, total interest, and LTV. Compare loan amounts, rates, repayment types, and terms before requesting a quote.

Mortgage Overpayment Calculator

Calculate interest saved and years cut by overpaying your mortgage each month. See the long-term financial benefit of making regular extra mortgage payments.

NZ Mortgage Calculator

Calculate your New Zealand mortgage repayments weekly, fortnightly, or monthly. See total interest and LVR. Uses current NZ interest rates with RBNZ lending context.

Refinancing Calculator

Calculate potential savings from refinancing your mortgage to a lower rate. Compare your current monthly payment and total cost against a new refinancing deal.

Heart Rate Zone Calculator

Calculate personalised heart rate training zones using the Karvonen method. Find your fat burn and aerobic zones.

Try our heart rate zone calculator for instant results

Ideal Weight Calculator

Calculate your ideal weight range based on height and healthy BMI. Find your target weight.

Try our ideal weight calculator for instant results

Running Pace Calculator

Calculate running pace per km and per mile from your distance and time. Convert between pace and speed.

Try our running pace calculator for instant results

Water Intake Calculator

Calculate your recommended daily water intake based on weight and activity level.

Try our water intake calculator for instant results

BMI Calculator

Calculate your Body Mass Index using height and weight to assess whether you are underweight, healthy, overweight or obese using standard BMI classifications.

BMR Calculator

Calculate your Basal Metabolic Rate to find the calories needed at rest each day. Use BMR to set a calorie target for weight loss, maintenance or muscle gain.

Body Fat Calculator

Estimate body fat percentage using waist, hip and neck measurements. Understand your body composition and track progress toward your health and fitness goals.

Calorie Calculator

Calculate your daily calorie needs for maintenance, weight loss, or weight gain.

Macros Split Calculator

Calculate your daily macronutrient split of protein, carbohydrates and fat based on your calorie goal. Plan your diet to support weight loss or muscle gain.

🚗Insurance

Car Insurance Calculator

Estimate your annual car insurance cost based on vehicle value, age, and claims history.

Car value £15,000, age 3 years

🏦Insurance

Home Insurance Calculator

Calculate estimated home insurance costs based on property value and risk factors.

Car value £15,000, age 3 years

Annuity Calculator

Calculate annuity payments, present value and future value for fixed income streams. Estimate how much regular income your pension or investment will generate.

Future Value Calculator

Calculate the future value of an investment or savings plan with compound interest. Enter the principal, rate, compounding frequency and time to project growth.

Present Value Calculator

Calculate the present value of a future cash flow discounted at a given interest rate. Understand what a future sum or annuity stream is worth in today's money.

Savings Calculator

Calculate how your savings will grow with regular deposits and compound interest. Enter your balance, monthly contribution and rate to project future savings.

🏦Investments

Simple Interest Calculator

Calculate simple interest earned or owed on a loan or deposit. Enter the principal, annual interest rate and term in years to find the total interest amount.

Compound Interest Calculator

Calculate how compound interest grows savings or increases debt over time. Enter principal, rate, compounding frequency and term to project your final balance.

Dividend Yield Calculator

Calculate the dividend yield of a stock by dividing the annual dividend by the share price. Assess income potential before investing in dividend-paying shares.

Index Fund Calculator

Project index fund investment growth with lump sum and regular contributions. See long-term compound returns.

Try our index fund calculator for instant results

Investment Return Calculator

Calculate simple investment profit, total return, and annualised return from a starting value, ending value, and holding period.

KiwiSaver Calculator

Calculate how much your KiwiSaver will grow by retirement. Includes employer 3% contributions and the government Member Tax Credit of up to $521 per year.

NZ Superannuation Calculator

Calculate your New Zealand Superannuation (NZ Super) and total retirement income. See 2024/25 NZ Super rates by living situation plus your projected KiwiSaver balance.

Retirement Savings Calculator

Calculate how much you will have at retirement based on your savings and contributions.

Savings Growth Calculator

Calculate how your savings grow over time with regular contributions and compound interest. Project your future balance to plan for any savings goal.

Childcare Cost Calculator

Calculate annual and monthly childcare costs after free hours entitlement and Tax-Free Childcare savings.

Try our childcare cost calculator for instant results

Holiday Cost Calculator

Calculate total holiday costs including flights, hotel, and spending money for any number of people.

Try our holiday cost calculator for instant results

Split Bill Calculator

Split a restaurant bill equally between any number of people, with or without a tip.

Try our split bill calculator for instant results

Wedding Budget Calculator

Plan your wedding budget with a recommended breakdown by venue, catering, photography and more.

Try our wedding budget calculator for instant results

🏦Loans

Loan Calculator

Estimate UK personal loan repayments, total interest, and total amount repayable. Compare APR and term before applying.

🌟Misc

Bill Splitter

Split any bill fairly among friends, family or colleagues. Enter the total amount and number of people to calculate each person's share, including optional tip.

🌟Misc

Date Difference Calculator

Calculate the exact difference between two dates in years, months, weeks and days. Find how long until an event or how much time has passed since any past date.

🔧Misc

Percentage Change Calculator

Calculate the percentage increase or decrease between two values. Find the percentage change from an original to a new value for finance, grades or statistics.

🌟Misc

Temperature Converter

Convert temperatures between Celsius, Fahrenheit and Kelvin in one click. Accurate temperature conversion for cooking, science, weather and travel planning.

🏦Miscellaneous

Currency Converter

Convert amounts between major world currencies using current exchange rates. Find the equivalent in any currency for travel, business or international payments.

🔧Miscellaneous

Loan-to-Value Calculator

Calculate your loan-to-value ratio by dividing your mortgage by the property value. Use LTV to understand equity, remortgage options and available rates.

🔧Miscellaneous

Percentage Calculator

Calculate percentages instantly — what percent is X of Y, and percentage of a number.

🌟Miscellaneous

Timezone Converter

Convert times between any two time zones worldwide. Find the equivalent local time for meetings, calls or travel across different countries and time zones.

🌟Miscellaneous

Unit Converter

Convert between units of length, weight, volume, speed, area and more. Fast and accurate unit conversion for everyday tasks, cooking, science and engineering.

🏦New Zealand Finance

KiwiSaver First Home Withdrawal Calculator

Calculate how much KiwiSaver you can withdraw for your first home and estimate your First Home Grant. Requires 3 years of KiwiSaver membership to qualify.

ACC Levy Calculator (NZ)

Calculate your New Zealand ACC earner levy and work levy for 2024/25. Covers employees (earner levy only), self-employed workers, and employers using current ACC rates.

New Zealand Income Tax Calculator

Calculate your 2024/25 New Zealand income tax using IRD brackets. Includes ACC earner levy (1.60%) and KiwiSaver deductions to show your true take-home pay.

NZ GST Calculator

Calculate New Zealand GST at 15%. Add GST to an ex-GST price, remove GST from an inclusive price, or find the GST component in a GST-inclusive amount.

NZ Paycheck Calculator

Calculate your New Zealand take-home pay per week, fortnight, or month. Includes IRD income tax, ACC levy, KiwiSaver, and student loan deductions using 2024/25 IRD rates.

NZ Self-Employed Tax Calculator

Calculate your New Zealand self-employed tax including income tax, ACC work levy, and provisional tax. Uses 2024/25 IRD rates for sole traders and contractors.

NZ Student Loan Repayment Calculator

Calculate your New Zealand student loan repayment amount and how many years until it’s cleared. Uses the 2024/25 IRD threshold of $22,828 and 12 cent repayment rate.

NZ Student Loan Repayment Estimator

Estimate your NZ student loan repayment based on the 2024/25 IRD threshold of $22,828 and 12% repayment rate. See annual and weekly deductions and payoff timeline.

Working for Families Calculator (NZ)

Calculate your Working for Families (WFF) tax credits for 2024/25. Includes Family Tax Credit, In-Work Tax Credit, and the income abatement from $42,700.

Closing Costs Calculator

Estimate closing costs when buying a property, including legal fees, surveys and stamp duty. Budget for the total upfront cost of completing a home purchase.

Lease vs Buy Calculator

Compare the total cost of leasing versus buying a car or asset. Enter lease terms, purchase price and finance rate to find the most cost-effective option.

Property Tax Calculator

Calculate property tax owed based on assessed value and local tax rates. Estimate your annual bill to budget accurately for the cost of owning real estate.