Calc Garden

Money and Finance Calculators

Plan your money with fast, focused calculators for salary, mortgages, loans, savings and retirement. Every one runs in your browser and lands with sensible defaults.

Plot No. 1 · Money & Finance

UK Salary Take-Home Calculator

Estimate your monthly take-home from a UK gross salary using simplified 2025 tax bands.

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Plot No. 2 · Money & Finance

Mortgage Repayment Calculator

See your monthly mortgage payment and total interest over the life of the loan.

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Plot No. 3 · Money & Finance

FIRE Retirement Calculator

Find out when you can retire based on savings, monthly investing and target spend.

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Plot No. 4 · Money & Finance

Loan Amortization Calculator

Year-by-year breakdown of principal and interest for any fixed-rate loan.

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Plot No. 8 · Money & Finance

Compound Interest Calculator

See how a lump sum grows over time with compounding using the A=P(1+r/n)^nt formula.

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Plot No. 11 · Money & Finance

Savings Goal Calculator

Work out how long it takes to reach a savings target from your balance and monthly deposits.

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Plot No. 13 · Money & Finance

Hourly to Salary Calculator

Convert an hourly wage into annual, monthly and weekly gross pay in seconds.

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Plot No. 16 · Money & Finance

Inflation Calculator

See the future value of money and cumulative price rise from an inflation rate over time.

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Plot No. 19 · Money & Finance

Break-Even Calculator

Find the units and revenue needed to cover fixed costs from your price and cost per unit.

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Plot No. 20 · Money & Finance

Car Loan Calculator

Monthly payment, total interest and total cost on a car loan from price, deposit, APR and term.

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Plot No. 21 · Money & Finance

Credit Card Payoff Calculator

See how many months to clear a card balance at a fixed monthly payment, plus total interest.

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Plot No. 22 · Money & Finance

Simple Interest Calculator

Interest and final balance using interest equals principal times rate times time. Does not compound.

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Plot No. 23 · Money & Finance

ROI Calculator

Total ROI percent, net profit and annualised ROI from amount invested, final value and years held.

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Plot No. 24 · Money & Finance

CAGR Calculator

Compound annual growth rate and total growth from a beginning value, ending value and years.

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Plot No. 25 · Money & Finance

Rule of 72 Calculator

Estimate years to double money by dividing 72 by the rate, with the exact doubling time too.

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Plot No. 26 · Money & Finance

Net Worth Calculator

Add your assets and subtract your debts to see your true net worth in pounds.

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Plot No. 27 · Money & Finance

Debt-to-Income Ratio Calculator

Divide monthly debt by gross monthly income to see your DTI percentage and band.

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Plot No. 28 · Money & Finance

Emergency Fund Calculator

See your target emergency fund, the shortfall and how many months you already cover.

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Plot No. 29 · Money & Finance

Mortgage Affordability Calculator

Estimate your maximum mortgage and property price from income, multiple and deposit.

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Plot No. 30 · Money & Finance

Down Payment Calculator

Turn a property price and deposit percentage into your deposit, mortgage and LTV.

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Plot No. 31 · Money & Finance

Rent vs Buy Calculator

Compare the net cost of renting and buying over your time horizon to see which wins.

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Plot No. 70 · Money & Finance

Life Insurance Needs Calculator

Work out how much life cover you need from debts, income replacement, education costs and existing savings or insurance.

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Plot No. 72 · Money & Finance

Crypto DCA Calculator

See how a regular dollar-cost averaging contribution could grow, with total invested, projected value and profit.

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Plot No. 78 · Money & Finance

Student Loan Repayment Calculator (UK)

Estimate your monthly UK student loan repayment from your salary and Plan 1, 2, 4, 5 or Postgraduate plan.

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Plot No. 79 · Money & Finance

US Paycheck Tax Calculator

Estimate US take-home pay from gross salary using simplified federal tax brackets, FICA and a state tax rate.

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