Free financial tools

The entered rate is nominal annual interest compounded monthly. Deposits occur at month end. Rates and deposits stay constant; taxes, fees, withdrawals and market volatility are excluded. This is not a return forecast.

Check before comparing: 5% nominal annual interest is not the same as a 5% effective annual return when compounding monthly.

A nominal annual rate compounded monthly, a fixed future-dollar target and constant month-end deposits. The contribution is rounded up to the nearest cent. Taxes, fees and inflation are excluded; the assumed growth rate is not guaranteed.

Check before comparing: A future-dollar target does not automatically preserve today’s purchasing power. Test inflation separately.

User-entered constant annual growth and inflation rates, with annual compounding and no deposits. The opening amount is both the starting savings balance and today’s basket cost. This is a hypothetical scenario, not historical CPI data or an inflation forecast; taxes and fees are excluded.

Check before comparing: The exact real-return formula uses a ratio. Subtracting inflation from growth is only an approximation.

All monthly income and costs are received or paid by month end and remain constant. Intra-month bill timing, interest, borrowing, taxes not entered as expenses and unexpected costs are excluded. A negative balance represents an unfunded shortfall, not an available overdraft.

Check before comparing: A positive month-end balance can still hide a shortage before payday. This model does not track intra-month dates.

Fixed nominal annual interest with monthly accrual and end-of-month payments. The scheduled payment covers principal and interest. Optional fees are paid separately at the start, not financed. Optional extra payments reduce principal each month; no prepayment penalty is assumed. Taxes, insurance and escrow are excluded; the entered rate is not a fee-inclusive APR. Calculations retain internal precision; lenders may round each period differently.

Check before comparing: Optional upfront fees are paid separately. Extra principal assumes no penalty. Insurance and taxes are excluded; this is not a fee-inclusive APR.

All costs, sales and the profit target refer to the same period and a single product. Price and variable unit cost remain constant. Capacity limits, taxes, financing and changes in product mix are excluded. The operating profit target is before these excluded items.

Check before comparing: Price must exceed variable unit cost. A calculated target does not establish demand or available production capacity.