AtlasCalc💰 Personal Finance
Loans, mortgages, savings, and investments.
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finance
Monthly EMI, total interest, and total payment for a fixed-rate loan.
EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1)
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finance
Monthly mortgage payment with principal, interest, taxes, and insurance.
P = EMI × (1 − (1+r)⁻ⁿ) / r
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finance
Future value with compound interest and optional monthly contributions.
A = P × (1 + r/n)^(n·t)
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finance
Return on investment with annualized ROI.
ROI = (gain / cost) × 100; Annualized = (final/initial)^(1/years) − 1
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finance
Adjusts a price for inflation between two years using an average annual rate.
realValue = nominalValue / (1 + inflation)^years; realReturn = ((1+nominal)/(1+inflation)) − 1
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finance
Estimate the nest egg you need to retire, and how much to save monthly.
needed = annualIncome × (1 − replacementRate) / (realReturn × years)
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finance
Convert between yearly, monthly, and hourly, with tax deduction.
net = gross − tax − socialSecurity − otherDeductions
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finance
Find the final price after a percentage discount.
final = original × (1 − discount/100)
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finance
Add or remove VAT / sales tax from a price.
VAT = net × rate/100; gross = net × (1 + rate/100); net = gross / (1 + rate/100)
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