Free Online Financial Calculators: Mortgage, Income Tax & VAT, Loan Payment Comparison
Free, private online calculators for mortgage, tax and general loans — with full repayment schedules, visual charts and CSV export, all in your browser.
Mortgage
Enter loan amount, rate and term to get your monthly payment, total interest, full schedule and charts. Try early-repayment scenarios side by side.
Tax
Monthly PIT withholding, separate vs combined bonus tax, and VAT in/out conversion — all with the active tax bracket highlighted.
Loan
Instant monthly payment, total interest and total cost for both equal-installment and equal-principal structures, with a downloadable schedule.
TVM Solver
Solve any TVM variable from the other four, with end/begin annuity and payments per year — instant and local.
NPV / IRR
Enter a cash-flow series and discount rate to compute NPV and IRR instantly — add/remove flows, all local.
Depreciation
Generate SL/SYD/DDB depreciation tables from cost, salvage and life — yearly, accumulated and book value, local.
One place, three decisions
Compare a mortgage, estimate take-home pay and model a consumer loan with consistent formulas.
Charts, schedules and CSV
Every result comes with principal/interest charts, trend lines and an exportable payment schedule.
Local-first privacy
Your numbers never leave the browser. No accounts, no analytics, no tracking cookies.
FinCompute brings the three free online financial calculators households and small businesses actually need — mortgage (commercial, provident fund and combined), income tax & VAT, and general loan monthly-payment comparison — into one fast, private workspace. Every calculator runs entirely in your browser, with no sign-up and no tracking, and is fully localized into six languages.
Why a one-stop financial calculator hub for mortgage, tax and loans?
A mortgage, a salary and a consumer loan are connected decisions: your monthly home payment changes how much tax you pay, and an outstanding loan affects how much you can borrow for a house. Grouping the three tools together makes it easy to cross-check scenarios in one place instead of juggling separate websites with inconsistent assumptions.
Equal-installment vs equal-principal formulas, comparable monthly payments
All three tools use the same equal-installment (annuity) and equal-principal formulas, the same rounding conventions and the same chart/schedule format, so numbers from one calculator line up with numbers from another. Each result can be exported to CSV for archiving or sharing with an advisor or family member.
Local-first privacy: salary and loan amounts are never uploaded
Every figure you enter — salary, loan amount, home price — stays in your own browser. There is no backend, no analytics SDK and no cookie-based tracking. Calculation history is stored only in your device’s local storage and can be cleared at any time from the history panel.
Built for the Chinese market: LPR, 7-bracket cumulative IIT and VAT, readable worldwide
The tax module implements China’s seven-bracket cumulative withholding with year-end bonus and VAT rules; the mortgage module supports commercial, provident-fund and combined loans with LPR-style rates. The interface and all explanatory content are available in English, Chinese, Spanish, French, Russian and Arabic, with right-to-left layout for Arabic.
FAQ
QAre these financial calculators really free?
Yes. Every calculator on this page is 100% free with no account, no email and no usage limit. CSV export and local history work out of the box.
QWhich calculator should I use for a home loan?
Use the Mortgage calculator. It supports commercial, provident-fund and combined loans, both repayment methods and an early-repayment simulator. The general Loan calculator is better for consumer, business or car loans that are not tied to a property.
QCan I use these figures with my bank or tax authority?
For planning and education only. Banks and tax authorities may apply different rounding, day-count or policy rules. Always confirm the final figure with the official institution before acting on it.
QDo I need to install anything?
No. FinCompute runs in any modern web browser on desktop, tablet or phone. Once the page has loaded, the calculators continue to work even if you disconnect from the internet.
QIn which languages are the calculators available?
English, Simplified Chinese, Spanish, French, Russian and Arabic. Switch from the language menu at the top; Arabic automatically uses a right-to-left layout.