Finance calculators

What these tools do

Eleven calculators covering the money questions that come up most often: borrowing, investing, income, tax, Zakat and pricing. All of them run entirely in your browser, so nothing you type is sent to a server and none of them asks you to sign up.

Start with the right tool

Borrowing money. The EMI calculator handles any amortizing loan and gives you the full month by month schedule. For a house specifically, the mortgage calculator adds property tax and insurance, which is why its figure is closer to the real monthly bill.

Growing money. Compound interest projects a lump sum forward. The SIP calculator does the same for regular monthly contributions. ROI works in the other direction, measuring what an investment actually returned.

Income. The salary calculator turns a gross figure into take-home pay per year, month, fortnight, week or hour.

Tax and Zakat. The GST and sales tax calculator adds or removes tax at any rate, with Pakistan's 18% one tap away. For income tax on a salary, the salary tax calculator on Fintooliq covers Pakistan, the USA, the UK, the UAE, Canada and Australia. The Zakat calculator checks your wealth against the silver or gold nisab.

Running a business. Profit margin separates gross from net and shows the markup alongside, since confusing the two is a common cause of underpricing. Break-even tells you the volume needed to cover fixed costs, and the discount calculator shows what a sale really costs or saves.

Every tool shows its working

Each calculator has a panel that prints the formula with your own numbers substituted in, so you can check the arithmetic rather than trust it. That matters more in finance than anywhere else, because the figures feed decisions about debt and income.

Most of them also show a short "what if" row beneath the result: the same answer recalculated at a different rate, a different term or a different price. The real question is rarely what a payment will be. It is which of two options is better.