Finance Tools

Create a full loan amortization schedule – monthly EMI, principal and interest split, remaining balance, extra payments and total interest saved. Print or download CSV.

Split your monthly income into needs, wants and savings with the 50/30/20 budget rule.

See how your savings grow with compound interest and optional monthly deposits.

Convert currencies with daily exchange rates – PKR, USD, EUR, GBP, AED, SAR, INR and 150+ currencies.

Record daily shop sales – cash, card and credit – with expenses, and see today’s total, monthly total and profit. Saved on your phone, printable.

Calculate profit per order for online selling – product cost, commission, payment fee, shipping, packaging, ads and returns – with margin and break-even ROAS.

See what you earn on Fiverr after the 20% seller fee and withdrawal cost, what the buyer pays with service fees, and what to charge to earn a target amount.

Calculate the hourly and day rate you should charge as a freelancer to reach your income goal after costs and fees.

Calculate income tax on salary in Pakistan for tax year 2027 (July 2026 – June 2027) with the latest FBR slabs – monthly and yearly tax, take-home salary and a comparison with last year.

Work out monthly installments for a phone, bike, car or appliance on easy installments – advance payment, markup %, months – and total cost vs cash price.

Track stock for a small shop or home business – products, quantity, cost and sale price, low-stock alerts, stock in/out with one tap, total stock value and CSV export. Works on your phone.

Calculate shares of an estate under Islamic (Hanafi) inheritance law for spouse, sons, daughters, father, mother, brothers and sisters – after debts and wasiyyat.

Calculate monthly loan EMI, total interest and total payment for home, car or personal loans.

A simple digital khata book for shopkeepers – record credit (udhaar) given and payments received for each customer, see who owes how much, send WhatsApp reminders and export. Saved on your phone.

Plan your wedding budget – split a total budget across venue, catering, dresses, jewellery, photography, decor and more, track actual spending and print the plan. Works for Mehndi, Barat and Walima.

Calculate your zakat (2.5%) on cash, gold, silver, investments and business assets after debts.

Find the real annual percentage rate (APR) of a loan including upfront fees, and the effective annual rate (APY).

Find how many units you must sell to cover costs (break-even point) and reach a target profit.

Calculate CAGR – the average yearly growth rate of an investment, business revenue or price between two values over any number of years – plus future value projection.

Estimate your car’s resale value after a number of years and how much value it loses per year and per km.

Calculate car loan / car financing instalments with down payment, markup rate, tenure, insurance and processing fee – with full cost breakdown.

Count cash quickly by entering how many notes and coins of each denomination you have – PKR, INR, USD, AED, SAR, EUR, GBP – with total in words and print.

Calculate sales commission with flat or tiered rates – for sales jobs, real estate agents and affiliates.

Plan a committee (BC, bisi, ROSCA) – monthly contribution, payout per turn, total pool and a printable turn schedule with dates and member names.

See how long it takes to pay off a credit card balance and the total interest when paying the minimum or a fixed amount each month.

Find out how long it takes to pay off a credit card and how much interest you will pay.

Calculate crypto profit or loss for Bitcoin, Ethereum and any coin after trading fees, with break-even price.

Plan how to pay off multiple debts – compare snowball (smallest first) and avalanche (highest interest first), see payoff date and total interest.

Calculate your debt-to-income ratio from monthly debt payments and gross income – the number banks use to approve loans and mortgages.

Calculate asset depreciation with straight-line, declining balance (reducing balance) and sum-of-years’ digits methods – with a full year-by-year schedule.

Calculate dividend yield, yearly dividend income and yield on cost from share price, dividend per share and number of shares – with dividend tax option.

Find out how big your emergency fund should be – 3 to 12 months of essential expenses – and how long it will take to save it.

Track daily expenses and income online – categories, monthly totals, budget progress and charts. Saved privately in your browser; export CSV or print.

Calculate fixed deposit / term deposit maturity amount and interest – monthly, quarterly or yearly compounding, or monthly profit payout.

Calculate pip value, profit or loss in pips and position size for forex pairs and gold, for standard, mini and micro lots.

Calculate the future value of a lump sum plus regular monthly deposits with compound interest – with a yearly growth table and chart of deposits vs interest.

Calculate gold value by weight and purity – tola, gram, ounce, masha, ratti – for 24K, 22K, 21K and 18K, with making charges and zakat.

Calculate end-of-service gratuity – Pakistan (30 days per year), UAE (21/30 days basic salary) and India (15/26 formula) – with years of service from joining date.

Find how much house or flat you can afford from your income, existing debts, down payment, interest rate and loan term – using safe debt-to-income ratios.

Convert an hourly wage to daily, weekly, monthly and annual salary – or a salary to an hourly rate – with your own hours per week, weeks per year and overtime.

See how inflation changes prices and the buying power of your money over the years.

Calculate the late fee or late payment interest on an overdue invoice or bill – flat fee, % per month or daily interest – from due date and payment date.

Calculate the cash value of unused earned leave from your salary and leave balance – using a 30 or 26 day month – plus tax estimate.

Compare two or three loan offers side by side – interest rate, tenure and fees – to see the monthly EMI, total interest and the cheapest option.

Calculate the future value of a one-time (lumpsum) investment with compound returns and inflation.

Calculate selling price from cost and markup %, or find the markup and margin from cost and price. Explains the difference between markup and margin for shopkeepers.

Calculate monthly mortgage payments with down payment, interest rate, term, tax and insurance.

Calculate Net Present Value (NPV), Internal Rate of Return (IRR), payback period and profitability index for any series of yearly cash flows.

Calculate your net worth – add assets like cash, gold, property and investments, subtract loans and debts.

Calculate overtime pay from monthly or hourly salary – overtime rate 1.5× or 2×, weekday, weekend and holiday hours – with total earnings.

Split business profit or loss between partners by capital ratio, time invested, fixed percentages or salary plus share – with a printable statement.

Calculate PayPal fees for receiving money – percentage plus fixed fee, international and currency conversion – and how much to ask for to receive an exact amount.

Work out how many shares, lots or coins to buy so you only risk a fixed % of your account – from entry price, stop-loss and account size. Includes risk-reward and target price.

Find the present value of a future amount or a series of payments (annuity) at a given discount rate – see what future money is worth today.

Calculate profit, profit margin and markup from cost and selling price.

Calculate property and plot prices by marla, kanal, square feet, square yards or square metres – price per unit, total price and registration costs.

Project your provident fund (PF / GP fund) balance at retirement from employee and employer contributions, salary increases and profit rate.

Calculate return on investment (ROI), profit and annualized return (CAGR).

Calculate the maturity value of a recurring deposit / monthly savings scheme with quarterly compounding – total deposits, interest earned and after-tax amount.

Should you rent or buy a home? Compare total costs over time – down payment, mortgage, rent increases, maintenance, property growth and investment returns.

Calculate gross and net rental yield, yearly rental income and payback period for a property investment.

Plan your retirement – find the savings you need (retirement corpus) and how much to invest monthly to get there.

Find how many years it takes to double your money at any interest rate using the Rule of 72 – or the rate needed to double in a set time. Compares with the exact answer.

Calculate the future value of a monthly SIP in mutual funds, with optional yearly step-up.

See how long your investment lasts with monthly withdrawals, or the balance left after N years, with an optional yearly increase in withdrawal.

Convert salary between hourly, daily, weekly, monthly and yearly pay.

Calculate your new salary after an increment or raise – by percentage or amount – with monthly, yearly and after-inflation figures.

Add or remove sales tax, GST or VAT from any price in seconds.

Find out how much to save each month, week or day to reach a savings goal by a target date.

Calculate simple interest and total amount for any principal, rate and time period.

Split shared trip, dinner or house expenses fairly and see exactly who owes whom.

Calculate the future value of a SIP that increases every year (top-up SIP) versus a normal SIP, with a year-by-year table.

Calculate your average share price after buying more at different prices – average down or up – including brokerage, and the break-even price. Works for stocks, crypto and gold.

Calculate stock trading profit or loss after commission, taxes and dividends, plus your break-even price.

Add up all your subscriptions – streaming, mobile packages, apps, gym, cloud storage – and see the true monthly, yearly and lifetime cost. Find what to cancel.

Estimate the total cost of a trip – flights, hotels, food, local transport, activities, visa and shopping – per person and per day, with currency conversion and a split for your group.

Calculate Upwork freelancer earnings after the variable service fee (0–15%), Connects cost and withdrawal fee, and what the client pays with marketplace fees.

Add VAT/GST to a net price or remove it from a gross price – any rate (5%, 13%, 15%, 17%, 18%, 20%). Shows net, tax and total, with a quick rate table.