Clarity52 FREE TOOLS
Finance, made clearer.
Explore savings and borrowing, estimate gross pay, and check prices, tips and bill splits.
Tools in this category
Simple Interest Calculator
Find interest earned on a fixed principal without compounding.
Tip Calculator
Calculate a tip and split the total evenly between people.
Hourly to Salary Calculator
Estimate annual gross pay from hourly rate, weekly hours and paid weeks.
Compound Interest Calculator
See how your starting balance and regular contributions could grow with monthly compounding.
Mortgage Calculator
Estimate monthly principal and interest payments and see your balance fall over time.
Discount Calculator
Find a sale price and exactly how much you save before taxes or fees.
Loan-to-Value Calculator
Compare a loan balance with the value of its collateral.
Down Payment Calculator
Find cash down payment and remaining purchase price.
Rent Budget Calculator
Calculate a rent budget from income and a user-selected spending share.
Rent per Square Meter Calculator
Compare rents using a consistent floor-area basis.
Gross Rental Yield Calculator
Estimate gross annual rent relative to property price.
Capitalization Rate Calculator
Compare annual net operating income with property value.
Cash-on-Cash Return Calculator
Compare annual pre-tax cash flow with cash invested.
Present Value of a Future Amount Calculator
Discount a single future amount to today.
Future Value of a Lump Sum Calculator
Project a single amount with annual compounding.
Annuity Present Value Calculator
Discount equal end-of-period payments at a constant periodic rate.
Annuity Future Value Calculator
Accumulate equal end-of-period deposits at a constant periodic rate.
Straight-Line Depreciation Calculator
Allocate depreciable cost evenly over useful life.
Double-Declining Depreciation Calculator
Estimate one year of declining-balance depreciation subject to a salvage floor.
Sequential Discounts Calculator
Apply two successive percentage discounts to one price.
Discount from Prices Calculator
Find the percentage reduction between original and sale prices.
Original Price Before Discount Calculator
Recover an original price from a discounted price and discount percentage.
Break-Even Selling Price Calculator
Find a per-unit price that covers fixed and variable costs at a planned volume.
Sinking Fund Contribution Calculator
Find equal end-of-period deposits required to reach a future target.
Savings Gap Calculator
Find the unfunded part of a goal and an equal monthly contribution.
Monthly Budget Balance Calculator
Find money remaining after entered monthly expense groups.
Annual Expense Calculator
Annualize recurring spending with a user-entered frequency.
Rent Split Calculator by Room Size
Split rent using bedroom area and an equal-share percentage. Compare a fully equal split with a room-size split or a mix of both.
Flat-Rate Loan Payment Calculator
Estimate equal payments when interest is charged on original principal.
Interest-Only Payment Calculator
Estimate monthly interest at a nominal annual rate.
Bond Current Yield Calculator
Compare annual coupon cash flow with a bond’s current price.
Auto Loan Calculator
Estimate a car payment including a down payment, trade-in equity, financed taxes and fees.
Refinance Calculator
Compare an existing loan with a new rate and term, including upfront refinancing costs.
Retirement Calculator
Project retirement savings and compare them with an inflation-adjusted spending target using your own assumptions.
NPV Calculator
Discount a sequence of equally spaced cash flows, including the initial investment, to a present-value total.
IRR Calculator
Find the periodic return for one initial investment followed by equally spaced nonnegative cash inflows.
Loan Comparison Calculator
Compare two loan offers using the same borrowed amount, different rates, terms and upfront fees.
Savings Goal Calculator
Find the whole months needed to reach a target with a fixed monthly contribution.
Rule of 72 Calculator
Approximate the years needed to double a balance at a constant positive annual rate.
Effective Annual Rate Calculator — EAR
Convert a nominal annual interest rate to EAR with monthly, quarterly or daily compounding. Includes the formula and a 12% worked example.
Real Return Calculator
Adjust a nominal percentage return for inflation over the same period.
Inflation-Adjusted Purchasing Power Calculator
Calculate what a future amount is worth in today’s money using your inflation assumption. See the purchasing-power formula and a worked example.
Debt-to-Income Calculator
Express monthly debt payments as a percentage of monthly gross income.
Unit Price Calculator
Compare package value by calculating cost per one unit of quantity.
Sales Tax Calculator
Add a supplied tax rate to a price or extract tax from an inclusive total.
Currency Converter
Convert an amount between 20 currencies using the latest available ECB reference rate.
Historical Currency Converter
Convert a past amount using an exchange rate for a selected historical date.
Currency Exchange Fee Calculator
Estimate the amount received after a percentage fee and a fixed fee in the source currency.
Foreign Price Comparison Calculator
Compare two prices listed in different currencies using a common reference rate.
Savings Rate Calculator
Find the percentage of your take-home income left after spending over the same period.
Emergency Fund Calculator
Estimate a cash reserve for a chosen number of months of essential expenses.
Debt Payoff Calculator
Estimate how many monthly payments will repay one balance at a fixed annual rate.
Choosing a tool for finance
Start with the compound interest calculator to explore a savings scenario, or use the mortgage calculator for principal and interest payments. Borrowing and savings estimates state their assumptions. Currency tools request daily ECB reference rates only when you select Calculate.