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Free Financial Calculators

Professional-grade tools for compound interest, tax, mortgages, investments, and more.

Most Popular
Compound Interest Calculator
See how your money grows over time with the power of compounding.
  • Multiple compounding frequencies
  • Monthly contributions
  • Year-by-year breakdown chart
Most Popular
Percentage Calculator
Calculate percentages, percentage change, and percentage of a number.
  • Three calculation modes
  • Instant results
  • Step-by-step formula
Most Popular
Income Tax Calculator
Calculate UK or US income tax, payroll taxes, and take-home pay.
  • UK & US Federal supported
  • NI / FICA breakdown
  • Student loan & 401(k)
Currency Converter
Convert between major world currencies with live ECB rates.
  • 30+ currencies
  • ECB exchange rates
  • Instant conversion
Take Home Pay Calculator
See exactly how much you take home after tax, NI, and deductions.
  • Full deductions waterfall
  • Monthly & weekly breakdown
  • Pension / 401(k) contributions
VAT Calculator
Add or remove VAT at standard, reduced, or custom rates.
  • Add or remove VAT
  • Standard, reduced & custom rates
  • Quick reference table
Mortgage Calculator
Calculate monthly mortgage payments and see your amortisation schedule.
  • Repayment & interest-only
  • Amortisation schedule
  • Total interest breakdown
Inflation Calculator
See how inflation erodes purchasing power over time.
  • Custom inflation rate
  • Dual-line chart
  • Purchasing power erosion
Percentage Change Calculator
Calculate the percentage increase or decrease between two values.
  • Colour-coded results
  • Absolute & multiplier
  • Step-by-step formula
ROI Calculator
Calculate return on investment with annualised and total returns.
  • Total & annualised ROI
  • Absolute gain/loss
  • Formula breakdown
Savings Calculator
Calculate how your savings grow with regular deposits and interest.
  • Monthly deposits
  • Stacked growth chart
  • AER compounding
Investment Calculator
Project long-term investment growth with fees and contributions.
  • Fee impact analysis
  • With vs without fees chart
  • Monthly contributions
Dividend Calculator
Project dividend income with reinvestment and growth modelling.
  • DRIP modelling
  • Dividend growth
  • Yield on cost tracking
Ratio Calculator
Simplify, scale, and solve ratios and proportions.
  • Simplify any ratio
  • Scale & solve
  • Percentage conversion
Capital Gains Tax Calculator
Estimate CGT on shares, property, and other assets.
  • UK & US rates
  • Property vs shares
  • Annual exemption
EBITDA Calculator
Calculate EBITDA and margin from revenue or net income.
  • Two calculation methods
  • EBITDA margin
  • Waterfall breakdown
Income Tax Calculator UK
UK-specific income tax with 2025/26 bands and Scottish rates.
  • 2025/26 tax bands
  • Scotland supported
  • NI & student loans
Leverage Calculator
Calculate leverage ratio and see risk amplification.
  • Leverage ratio
  • Margin requirement
  • Risk amplification table
Margin Calculator
Calculate profit margin and markup percentages.
  • Margin vs markup
  • Profit per unit
  • Industry benchmarks
Capital Gains Tax UK Calculator
UK-specific CGT with share pooling and reliefs.
  • 2025/26 UK rates
  • Loss offsetting
  • Share pooling guidance
Inflation Rate Calculator
Calculate annualised inflation between two price points.
  • Annualised rate
  • Total increase
  • Purchasing power change
Perpetuity Calculator
Calculate the present value of flat and growing perpetuities.
  • Flat & growing
  • Sensitivity table
  • DCF terminal value
Correlation Calculator
Calculate Pearson correlation between two data series.
  • Pearson r & R²
  • Strength labelling
  • Data paste input
Inheritance Tax Calculator
Estimate UK IHT with nil-rate bands and reliefs.
  • NRB & RNRB
  • Spouse transfers
  • Charitable rate
Estate Tax Calculator
Estimate US federal estate tax or UK IHT.
  • US & UK
  • Spousal portability
  • Exemption tracking
Pension Calculator
Project pension pot growth with tax relief and employer match.
  • Tax relief boost
  • Employer matching
  • Retirement income estimate
Bond Calculator
Calculate bond price, yield, and cash flow schedule.
  • Bond pricing
  • Current yield
  • Cash flow schedule
Retirement Calculator
Plan retirement with two-phase accumulation and drawdown.
  • Shortfall analysis
  • Income projection
  • Two-phase planning
Portfolio Calculator
Analyse portfolio allocation and diversification.
  • Weight analysis
  • Concentration score
  • Asset class breakdown
Options Calculator
Calculate options profit, loss, and breakeven.
  • Calls & puts
  • Breakeven analysis
  • P&L table
FIRE Calculator
Calculate your path to financial independence.
  • FIRE number
  • Savings rate
  • Coast FIRE
Full Portfolio Analytics

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ARIA analyses your entire portfolio with institutional-grade risk management, position sizing, and optimisation. Import your broker transactions and see the difference.

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Frequently Asked Questions