Finance Calculators & Learning Hub

Explore our complete library of finance calculators – from everyday budgeting and loans to investing, retirement, business metrics, and global tax tools. Everything is free, fast, and explained in plain English.

Jump to the right finance tool

Mini compound interest explorer

Future value: $16,470.09 (total interest: $6,470.09)

Personal finance tools

Start with the essentials: budgeting, income, loans, mortgages, and everyday money decisions.

Retirement & long‑term planning

Business, investing & markets

Taxes & payroll

Estimate income tax, payroll, sales tax, and more across multiple countries and regions.

What is finance?

Finance is the discipline of managing money, assets, and liabilities over time under conditions of uncertainty. It covers how individuals, companies, and governments raise capital, allocate it, and measure risk and return.

In practice, finance breaks down into three main areas:

  • Personal finance – budgeting, saving, borrowing, investing, retirement, and insurance for individuals and households.
  • Corporate finance – how businesses fund operations and growth, evaluate projects, and create value for owners.
  • Public finance – how governments collect taxes, spend money, and manage debt.

Core finance concepts you’ll see in our calculators

1. Time value of money

A dollar today is worth more than a dollar tomorrow because you can invest it and earn a return. This idea underpins most loan, mortgage, and investment calculators.

Future value of a lump sum

\( FV = PV \times (1 + r)^n \)

  • PV – present value (today’s amount)
  • r – interest rate per period
  • n – number of periods

2. Loan payments & amortization

Fixed‑payment loans (like mortgages or car loans) use an amortization formula to spread repayment over time.

Monthly payment on a fixed‑rate loan

\( PMT = \dfrac{r \times PV}{1 - (1 + r)^{-n}} \)

  • PMT – periodic payment
  • PV – loan amount (principal)
  • r – interest rate per period (e.g., monthly)
  • n – total number of payments

3. Risk and return

Investing is about balancing expected return against risk (volatility or chance of loss). Tools like Sharpe Ratio, Beta, and Value at Risk help quantify that trade‑off.

How to choose the right calculator

  • Planning a purchase? Use loan, mortgage, or auto‑loan tools.
  • Growing savings? Use compound interest, SIP, or retirement planners.
  • Running a business? Use profit margin, break‑even, CLV/CAC, and valuation tools.
  • Filing taxes? Use the tax calculators for your country or state.

Who creates these tools?

CalcDomain’s finance tools are built around standard formulas used in banking, investing, and corporate finance. They are designed for education and planning and are not a substitute for personalized advice from a licensed financial professional or tax advisor.