Dinheiro e Finanças
Calculadoras de empréstimos, poupança, investimentos e planejamento financeiro usando matemática de amortização padrão, premissas transparentes e convenções documentadas.
Calculadora de Financiamento Imobiliário
Calcule a parcela mensal, o valor total pago e os juros do seu financiamento imobiliário com amortização padrão. Inclui a regra de acessibilidade 28/36.
Amortization Calculator
See how a loan amortizes: monthly payment, first-year interest vs principal split, halfway balance and total interest using the standard formula.
Mortgage Affordability Calculator
Estimate how much house you could afford using the 28/36 rule: maximum home price, loan amount and monthly payment from income and debts.
Refinance Calculator
Compare your current mortgage payment with a refinanced rate: monthly savings, lifetime savings after closing costs, and the breakeven month.
USA Mortgage Calculator
Estimate a US monthly mortgage payment, loan principal and total interest with standard amortization. Covers 30-year fixed loans, PMI and closing costs.
UK Mortgage Calculator
Estimate a UK monthly mortgage payment, loan amount and total interest. Covers 2- and 5-year fixed deals, the SVR revert rate, deposits and Stamp Duty (SDLT).
South Africa Bond Calculator
Estimate a South African home loan (bond) repayment, loan amount and total interest. Covers the prime lending rate, deposits, transfer duty and bond costs.
Australia Mortgage Calculator
Estimate an Australian home loan repayment, loan amount and total interest. Covers variable rates, offset accounts, the RBA cash rate, LMI and stamp duty.
Canada Mortgage Calculator
Estimate a Canadian mortgage payment, loan amount and total interest. Covers 5-year terms, 25-year amortization, the stress test, CMHC insurance and LTT.
India Home Loan Calculator
Estimate a home loan EMI, loan amount and total interest in India. Covers repo-linked lending rates (RLLR), LTV limits, down payment and state stamp duty.
Germany Mortgage Calculator
Estimate a German mortgage (Baufinanzierung) payment, loan and total interest. Covers Sollzinsbindung, Tilgung, Restschuld and Grunderwerbsteuer.
China Mortgage Calculator
Estimate a Chinese mortgage payment, loan amount and total interest. Covers the 5-year LPR benchmark, city-tier down payment rules and deed tax.
Credit Card Payoff Calculator
Find out how many months to pay off a credit card balance and how much interest you'll pay. Identifies the debt trap when payment is too low.
Calculadora de Empréstimo
Calcule a parcela mensal, o valor total pago e os juros totais de qualquer empréstimo com amortização. Informe o valor, a taxa anual e o prazo em meses.
Car Loan Calculator
Calculate your monthly car loan payment from vehicle price, down payment, trade-in, rate and term. See total interest using standard amortization.
Debt Payoff Calculator
Calculate how many months it takes to pay off a debt at a fixed payment, and how much time and interest an extra monthly payment could save.
Personal Loan Calculator
Calculate your personal loan monthly payment, total interest and the effect of an origination fee on the amount you actually receive.
EMI Calculator
Calculate your loan EMI (equated monthly installment) from principal, interest rate and tenure. See total interest and total repayment instantly.
Calculadora de Juros Compostos
Calcule juros compostos com a fórmula A = P(1+r/n)^nt. Escolha capitalização anual, trimestral, mensal ou diária. Inclui a Regra dos 72.
IRR Calculator
Calculate the Internal Rate of Return (IRR) for any series of cash flows using Newton-Raphson. Enter comma-separated values; first is typically negative.
Investment Calculator
Project investment growth from an initial amount and monthly contributions, with inflation-adjusted real value. Educational estimates, not advice.
ROI Calculator
Calculate return on investment (ROI) and the annualized return from amount invested, amount returned and holding period. Includes worked example.
Future Value Calculator
Calculate the future value of a present sum with compound growth: FV = PV(1+r)^n. See total growth over any number of periods, with a worked example.
Present Value Calculator
Calculate the present value of a future sum by discounting: PV = FV/(1+r)^n. See how much a future amount is worth today, with a worked example.
CAGR Calculator
Calculate compound annual growth rate (CAGR) from beginning value, ending value and years. Compare investments with the standard smoothed metric.
Dividend Calculator
Calculate dividend yield and projected annual and monthly dividend income from share price, dividend per share and number of shares held.
Retirement Calculator
Estimate your retirement nest egg using compound growth and the Bengen 4% safe-withdrawal rule. See projected monthly income in today's dollars.
FIRE Calculator
Calculate your FIRE number (25× annual expenses), progress toward it, and estimated years to financial independence at your savings rate.
Net Worth Calculator
Calculate your net worth by entering assets (cash, investments, real estate) and liabilities (mortgage, loans, credit cards). See your financial snapshot.
Simple Interest Calculator
Calculate simple interest with I = P·r·t. Find total interest earned or owed and the final amount for any principal, rate, and time period.
Inflation Calculator
Calculate the future cost of goods and the purchasing power of money at a given inflation rate. Uses the compound inflation formula with CPI reference.
Savings Calculator
Project your savings growth from an initial balance and monthly deposits with compound interest. See total contributions and interest earned.
Tax Calculator
Estimate income tax using US 2025 federal brackets or UK 2025-26 bands. See tax due, after-tax income, and effective rate. Educational reference only.
Capital Gains Tax Calculator
Estimate US capital gains tax on an investment sale. Long-term 2025 brackets (single filer) or short-term at your ordinary rate. Educational only.
VAT Calculator
Add VAT to a net price or remove VAT from a gross price at any rate. Reverse-VAT formula net = gross ÷ (1 + rate), with worked examples.
GST Calculator
Add or remove GST at 5%, 12%, 18% or 28% (India), 10% (Australia) or 15% (New Zealand). Shows the CGST/SGST split for intra-state supplies.
Paycheck Calculator
Estimate your net take-home pay per pay period using a simplified effective tax rate model. Choose monthly, semimonthly, biweekly or weekly frequency.
Salary Calculator
Convert hourly pay to annual salary and back. See monthly, weekly and daily equivalents from your rate, hours per week and weeks per year.
Profit Margin Calculator
Calculate gross profit margin from cost and revenue, and see the matching markup. Clear worked examples and the margin-vs-markup table.
Markup Calculator
Apply a markup percentage to cost to get the selling price, profit and resulting margin. Includes the standard markup-to-margin conversion table.