Finance Calculator 10 tools in one: Loan, Savings, Retirement, Debt, ROI, Amortization, Currency, Tax, and more — with re...
Finance Calculator
10 tools in one: Loan, Savings, Retirement, Debt, ROI, Amortization, Currency, Tax, and more — with real 2025 benchmarks and visual insights.
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Visualization
How the Finance Calculator Works
This tool combines core financial formulas into one interface:
- Loan Payment: $$PMT = P \frac{r(1+r)^n}{(1+r)^n - 1}$$
- Compound Interest: $$A = P(1 + r)^t$$
- NPV: $$\sum \frac{CF_t}{(1+r)^t}$$
- Debt Payoff: Iterative interest accrual + payment
All modes use **2025 benchmarks** (no APIs) for speed and reliability.
Financial Decision Framework
✅ Use this decision tree:
- Emergency Fund First: Save $1K → 1 month → 3–6 months
- Match 401(k): Always contribute enough for full employer match
- High-Interest Debt: Pay off >7% APR debt (credit cards, payday)
- Tax-Advantaged Investing: Max Roth IRA/HSA, then 401(k)
- Brokerage & Goals: House, vacation, FIRE
⚠️ Avoid: lifestyle inflation, prepaying low-rate debt (<5%), ignoring fees.
2025 Financial Benchmarks
| Metric | Value |
|---|---|
| 30-Yr Mortgage Rate | 6.8% |
| New Car Loan | 7.2% |
| HYSA APY | 3.5–5.25% |
| S&P 500 Return | 7.0% (long-term) |
| Federal Tax (Single, $85K) | 12.1% |
| Inflation (CPI-U) | 3.4% |
How to Use This Calculator
Step 1: Choose a tab (e.g., Loan, Savings, Debt)
Step 2: Enter values (defaults are real-world examples)
Step 3: Click "Calculate" → get results + SVG chart
Step 4: Expand educational sections for strategy tips
All calculations are client-side — no data leaves your browser.