Financial

Convert annual, monthly and daily interest rates into equivalent rates using compound interest, and see why dividing an annual rate by 12 is wrong.

Compare CDB, LCI/LCA, the savings account and Tesouro Direto in Brazil after income tax, IOF and custody fees, with CDI, Selic and IPCA from the Banco Central.

Calculate monthly payments of commercial LPR, housing provident fund (公积金) and combined home loans in China, with equal installments or equal principal.

Calculate compound interest with regular deposits and an inflation adjustment, see the period-by-period schedule and chart, and convert rates between periods.

Work out the sale price, the percent off between two prices and stacked discounts, and compare paying cash with a discount against installments.

Calculate your loan EMI in India with total interest, processing fee with GST, prepayments and a year-wise amortization schedule in lakh and crore.

Calculate fixed deposit maturity and interest in India with quarterly compounding, monthly or quarterly payouts, senior-citizen rates and the TDS rule.

Use a full HP 12c simulator in your browser: RPN stack, time value of money, cash flows, statistics, dates and programming. Instant, free, nothing to install.

Divide an estate under Islamic law (faraid): deductions, Quranic fixed shares, residuary heirs, exclusions, awl and radd, with exact fractions and amounts.

Simulate a loan or financing with PRICE, SAC, SACRE or MEJS/MAJS schedules. See the installment, interest and balance period by period. Free and online.

Free mortgage calculator: equal installments or equal principal, insurance, fees and extra payments, with a monthly amortization schedule, chart and CSV.

Calculate the PPF maturity value after 15 years at the current 7.1% rate, with yearly or monthly deposits and 5-year extensions, tax-free (EEE).

Calculate the maturity value and interest of a recurring deposit in India with the quarterly compounding used by banks and India Post, plus TDS rules.

Plan your retirement: see how savings, monthly deposits, expected return and inflation turn into a monthly income in today's money, with chart and table.

Project the value of a monthly SIP in Indian mutual funds with annual step-up, lump sum, goal planning, inflation and a capital-gains tax note.

Calculate zakat on cash, bank balances, gold by karat, silver, shares, trade goods and receivables, with the 85 g gold or 595 g silver nisab and 2.5% rate.