💰 Finance & Business
Plan your money and run a small business — investment, savings and loan calculators alongside currency conversion and professional invoicing.
11 free tools across 2 categories.
Investment & Savings (7 tools)
Compound Interest Calculator
See how your money grows with compound interest. Charts.
DCA Calculator
Dollar Cost Averaging. Add buys, see real average cost.
Dividend Reinvestment Calculator
Calculate dividend returns with reinvestment and tax.
Inflation Calculator
Calculate inflation impact. Future value of money.
Retirement Calculator
Estimate retirement fund and monthly income. 4% rule, growth chart.
Savings Calculator
Future value of savings. Compound growth with Chart.js visualization.
Trade Risk & Break-Even Calc
Break-even price with commission. BIST, Binance presets.
Loans, Payments & Billing (4 tools)
How to Choose the Right Tool
| Your goal | Use this tool |
|---|---|
| Model long-term investment growth | Compound Interest Calculator |
| Analyze loan costs with amortization | Loan & Mortgage Calculator |
| Plan retirement with the 4% rule | Retirement Calculator |
| See inflation's impact on purchasing power | Inflation Calculator |
| Calculate dollar-cost averaging returns | DCA Calculator |
| Create a professional invoice for clients | Invoice Generator |
Frequently Asked Questions
What's the difference between nominal and real (inflation-adjusted) returns — and which calculators show which?
Nominal return is the raw percentage your money grows; real return subtracts inflation to show actual purchasing power. The Compound Interest Calculator shows nominal growth with interactive charts and daily/monthly/yearly compounding options. To see real returns, run your numbers through the Inflation Calculator first — if you expect 7% nominal and 3% inflation, your real return is roughly 4%. Financial planners recommend planning with real (post-inflation) numbers for retirement projections.
How do I model a complete financial plan — which tools in which order?
A typical financial modeling workflow: (1) Start with the Compound Interest Calculator to project growth of current savings, (2) layer in monthly contributions with the Savings Calculator, (3) check if the total meets retirement needs with the Retirement Calculator using the 4% rule and inflation adjustment, (4) adjust for inflation with the Inflation Calculator. For debt, run the Loan & Mortgage Calculator separately to see how extra payments shorten the term. Each tool feeds into the next — they're designed as a suite.
How accurate is the Currency Converter — are these live exchange rates?
The Currency Converter fetches exchange rates from the Frankfurter API (European Central Bank data), updated daily on business days. It shows a 7-day trend chart for context. For real-time trading or forex, use a dedicated financial platform — this converter is designed for travel estimates, e-commerce pricing, and general reference. The rates are accurate for same-day conversions within ECB tolerance.
What's the DCA Calculator actually calculating — and when should I use it?
The DCA Calculator models Dollar Cost Averaging: you enter multiple purchase transactions (date, amount, price per share), and it calculates your weighted average cost basis and total position value. Use it to see whether periodic investing lowered your average entry price compared to a lump-sum investment. Add as many buys as you need — the tool tracks total invested, total shares, and average cost per share with a summary table.
Loan Calculator — what does the amortization schedule show and how do I simulate early payoff?
The Loan & Mortgage Calculator generates a full amortization schedule showing each payment's breakdown into principal and interest over the loan term. The early payoff simulation lets you add extra monthly or one-time payments and instantly recalculates the new payoff date and total interest saved. This is the key insight for mortgage planning — even small extra payments can save years of interest. All calculations use the standard PMT formula.