Free Finance Calculators for Everyday Money Decisions
UMARIX Finance Calculators helps you answer real money questions in seconds: What will my monthly loan payment be? How much interest will a mortgage cost over 30 years? How fast can regular savings grow? Each calculator runs entirely in your browser, with no signup, no account, and no data sent to a server. You enter the numbers, you see the result, and you can copy it for comparison with a bank offer or a personal budget.
How it works
Start with the question you actually have. If you are borrowing, use the loan, mortgage, or EMI calculator to find the monthly payment and the total interest before you sign anything. The formula is shown on the page, so you can check the math: for an amortizing loan, EMI = P x r x (1+r)^n / ((1+r)^n - 1), where P is the amount borrowed, r is the monthly interest rate, and n is the number of payments. A shorter term or a larger down payment usually cuts total interest sharply, even when the monthly payment rises.
If you are saving or investing, use the compound interest, savings, investment, or retirement calculator to test a plan. For example, try saving $200 a month at 5% for 10 years, then try $300 a month, and compare the final amounts. Small, regular deposits started early often beat larger deposits started late, because compound growth rewards time. The year-by-year investment table shows this clearly: gains are small at first, then grow as the balance grows.
Use these tools as a planning starting point, not as a loan approval or an investment promise. Real offers include fees, taxes, insurance, and changing rates, and investment returns vary year to year. Always confirm the final terms with your lender or adviser, and keep an emergency fund separate from long-term investments. Every result on this site is an estimate, and the finance pages state that plainly.
All tools
Loan Calculator
Calculate your monthly loan payment, total interest, and total repayment for a personal loan, auto loan, or any fixed-rate loan. Enter the amount, interest rate, and term to see th
Mortgage Calculator
Estimate your monthly mortgage payment from the home price, down payment, interest rate, and loan term. This is useful when comparing houses and loan offers in the United States, w
EMI Calculator
Calculate the Equated Monthly Installment (EMI) for any loan repaid in equal monthly payments. This is the same calculation used for personal loans, car loans, and many home loans,
Compound Interest Calculator
See how compound interest grows a single deposit over time. Unlike simple interest, compound interest earns interest on past interest, so time and the compounding frequency matter
Savings Calculator
Plan a savings goal with regular monthly deposits. Enter what you already have, what you can save each month, the expected return, and the time horizon to see how close you get to
Investment Calculator
Project how a lump sum plus regular monthly investments could grow at an assumed annual return. The year-by-year table makes it easy to see why starting early and staying invested
Retirement Calculator
Estimate how much you could have at retirement and what monthly income that might support. Enter your current age, retirement age, current savings, monthly contributions, and an as
Frequently asked questions
Are these finance calculators free?
Yes. Every calculator on this site is free to use, with no signup and no account required.
Are the results exact?
No. They are estimates based on the numbers you enter. Fees, taxes, insurance, and rate changes are not included unless the page says so.
Is my financial data stored?
No. All calculations run in your browser. Nothing you enter is uploaded or stored by this site.
Can I use these calculators for a business loan?
Yes, for a fixed-rate loan estimate. Variable-rate business loans, lines of credit, and balloon loans need a lender's own schedule.