PenguTools

Finance

Loan, mortgage, investment, and money calculators

Mortgage Calculator

Calculate your monthly mortgage payment, total interest, and amortization details. Enter home price, down payment, rate, and loan term.

Loan Calculator

Calculate monthly loan payments, total interest, and total cost for any loan. Enter loan amount, interest rate, and term to get results.

Compound Interest Calculator

Calculate compound interest with regular contributions. See how your investments grow over time with monthly, quarterly, or annual compounding.

ROI Calculator

Calculate return on investment (ROI) percentage and net profit or loss. Enter your initial investment and final value to see your returns.

Salary Calculator

Convert salary between hourly, weekly, biweekly, monthly, and annual pay. Enter any pay rate and see all equivalent salary breakdowns instantly.

Tip Calculator

Calculate tip amount, total bill, and per-person cost when splitting. Choose preset tip percentages or enter a custom amount for any bill.

Tax Calculator

Estimate US federal income tax using 2024 tax brackets. See tax owed, effective rate, marginal rate, and after-tax income by filing status.

Currency Converter

Convert between 15+ major world currencies with live exchange rates. Fallback rates included so conversions always work, even offline.

Inflation Calculator

Calculate the effect of inflation on purchasing power over time. See how much past dollars are worth today or how future costs will change.

Net Worth Calculator

Calculate your net worth by listing all assets and liabilities. Add or remove items dynamically and see total assets, debts, and net worth.