Tool category

Finance & FinTech tools

Use practical calculators for borrowing, saving, investing, returns and everyday financial planning. TechBullion finance tools use the figures you enter and explain the assumptions behind the result rather than pretending to provide personalised financial advice or unlicensed live market data.

What you can do

Use finance & fintech tools for real tasks

Compare loan and mortgage scenarios
Model savings and investment growth
Understand rates, returns, dividends and repayment costs

Finance & FinTechMortgage CalculatorCompare interest-only and repayment mortgage payments, interest and loan-to-value. Interest-only payments leave the capital due at term.Monthly interest-only payment: $1,300Open the calculator Finance & FinTechLoan CalculatorEstimate repayments and total interest for a fixed-rate personal or business loan.You'd pay each month: $630Open the calculator Finance & FinTechEMI CalculatorCalculate an equated monthly instalment (EMI), total interest and total repayment for a fixed-rate loan.Estimated monthly EMI: $630Open the calculator Finance & FinTechCar Loan CalculatorEstimate monthly car-finance repayments, interest cost and total amount repaid after a deposit or trade-in.Estimated monthly payment: $630Open the calculator Finance & FinTechCompound Interest CalculatorProject how a lump sum and regular contributions can grow when returns compound over time.After 10 years you'd have: $74,000Open the calculator Finance & FinTechInvestment CalculatorEstimate future investment value from a starting amount, regular contributions, expected return and time horizon.Estimated future value: $90,000Open the calculator Finance & FinTechCurrency ConverterConvert an amount at today's live mid-market rate across 150+ currencies, or enter a rate you've been quoted to see what it works out to.Live rates: 150+ currenciesOpen the calculator Finance & FinTechPercentage CalculatorCalculate a percentage of a number, the percentage one value is of another, or the percentage change between two values.25% of 200: 50Open the calculator Finance & FinTechSavings CalculatorProject a savings balance from a starting amount, regular deposits, interest rate and saving period.Projected savings balance: $28,000Open the calculator Finance & FinTechInvestment Growth CalculatorProject investment growth with a starting balance, monthly contributions and an assumed annual return.After 15 years you'd have: $170,000Open the calculator Finance & FinTechStock Return CalculatorCalculate share-investment return from purchase price, current or sale price, shares, dividends and fees.Your total return: 33.5%Open the calculator Finance & FinTechDividend CalculatorEstimate annual dividend income and dividend yield from shares held, dividend per share and share price.Your yearly dividend income: $190Open the calculator Finance & FinTechDividend Reinvestment CalculatorModel how reinvesting dividends can increase share count, portfolio value and future dividend income over time.Estimated portfolio value: $30,000Open the calculator Finance & FinTechInflation CalculatorEstimate how inflation changes future prices and the purchasing power of today’s money.In 10 years the same things cost: $1,700Open the calculator Finance & FinTechAPR CalculatorEstimate the effective annual percentage rate of a loan after interest and upfront fees.Estimated effective APR: 12.6%Open the calculator Finance & FinTechInterest Rate CalculatorEstimate the annual interest rate implied by a loan amount, repayment amount and term.Estimated nominal annual rate: 9.5%Open the calculator Finance & FinTechCredit Card Interest CalculatorEstimate card interest and repayment time from the balance, APR and monthly payment.Estimated months to repay: 36 monthsOpen the calculator Finance & FinTechDebt Repayment CalculatorEstimate how long a debt takes to repay, total interest and the effect of paying more each month.Estimated months to debt-free: 48 monthsOpen the calculator Finance & FinTechDollar-Cost Averaging CalculatorModel regular investing at changing average prices to estimate units accumulated, cost basis and portfolio value.Estimated current value: $11,000Open the calculator Finance & FinTechCrypto Profit CalculatorCalculate crypto profit or loss from buy price, sell/current price, quantity and trading fees without requiring live market data.Profit / loss: $3,700Open the calculator Finance & FinTechMoney Transfer Cost ComparisonCompare what two transfer providers really charge once the fee and the exchange-rate margin are added together.Provider A delivers more, by: $160Open the calculator Finance & FinTechPayment Processor Fee CalculatorSee what Stripe, PayPal, Square or any processor keeps from your sales, and what a cheaper rate would save.Switching would save each month: $75Open the calculator Finance & FinTechInterchange Plus CalculatorWork out what your processor adds on top of interchange, and whether a blended rate or interchange-plus is cheaper for your card mix.Interchange-plus saves each month: $380Open the calculator Finance & FinTechChargeback Cost CalculatorAdd up what a chargeback really costs once the fee, lost goods, staff time and the ratio risk are counted, and see what prevention is worth.Chargebacks cost you each month: $3,800Open the calculator Finance & FinTechBuy Now Pay Later Cost CalculatorCompare paying by buy-now-pay-later, a credit card or cash, including late fees and interest, before you tap the button.Open the calculator Finance & FinTechWays to Borrow ComparisonCompare a personal loan, a credit card and buy-now-pay-later for the same amount and payoff period, in total cost.Open the calculator Finance & FinTechLoan Overpayment CalculatorSee how much interest an extra monthly payment saves and how many months it cuts, versus investing the same money.Overpaying saves you in interest: $1,300Open the calculator Finance & FinTechCrypto Tax CalculatorEstimate capital gains tax on a crypto sale in the UK, US, Canada or Australia, and see whether waiting or splitting the sale saves tax.Estimated tax on this sale: $2,700Open the calculator Finance & FinTechStaking Rewards CalculatorProject staking income with compounding, convert APR to APY, and see what a price fall would do to the value of the rewards.Tokens earned from staking: 175.76Open the calculator Finance & FinTechImpermanent Loss CalculatorSee how much a liquidity position loses against simply holding when prices diverge, and the fee yield needed to make up for it.Impermanent loss against holding: 2.0%Open the calculator Finance & FinTechLiquidation Price CalculatorFind the price at which a leveraged position is liquidated, how far away it is, and what leverage keeps you safe for a given move.Open the calculator Finance & FinTechSavings Rate Comparison CalculatorCompare your savings rate with the best available and inflation, in real terms, and see what switching earns you.Switching would earn you extra over the period: $2,000Open the calculator Finance & FinTechTax-Free Allowance CalculatorSee how much of this year's ISA, 401(k), TFSA or Super allowance you have left and what filling it is worth over time.Open the calculator Finance & FinTechEmergency Fund CalculatorWork out how many months of expenses you should hold, how far you are from it, and when to stop saving cash and start investing.You should hold 3.5 months of expenses: $11,000Open the calculator Finance & FinTechTake-Home Pay CalculatorEstimate net pay after income tax and social contributions in the UK, US, Canada or Australia, and compare two offers.Estimated annual take-home: $61,000Open the calculator Finance & FinTechDividend Safety CalculatorCheck whether a dividend is covered by earnings and free cash flow, what yield you're really getting, and whether it looks sustainable.Dividend yield: 5.0%Open the calculator Finance & FinTechPosition Size CalculatorSize a trade from your account, the risk you'll accept and your stop-loss, so a wrong call costs only what you planned.Buy this many shares: 72Open the calculator Finance & FinTechPortfolio Rebalancing CalculatorEnter current holdings and target weights and get the exact buys and sells to rebalance, with new money used first.Largest drift from target: 10.0%Open the calculator Finance & FinTechFund Fee Impact CalculatorSee what a fund's ongoing charge costs you over decades against a cheaper alternative, in pounds and in years of retirement.The dearer fund costs you over the period: $110,000Open the calculator Finance & FinTechExchange Rate Margin CalculatorFind the hidden margin in a quoted exchange rate and what it costs you in money.Hidden margin: 2.5%Open the calculator Finance & FinTechCard Surcharge CalculatorWork out what a card payment really costs you and whether a surcharge or a minimum spend is fair.Effective card fee: 3.2%Open the calculator Finance & FinTechEarly Payment Discount CalculatorSee the annualised return on paying an invoice early for a discount, and whether it beats your cost of money.Annualised return: 37%Open the calculator Finance & FinTechFailed Payment Recovery CalculatorEstimate how much subscription revenue you lose to failed card payments and what smarter retries would recover.Recoverable a year: $53kOpen the calculator Finance & FinTechPayment Downtime Cost CalculatorPut a number on what an hour of checkout or gateway downtime costs, and what redundancy is worth.Downtime cost a year: $7kOpen the calculator Finance & FinTechDebt-to-Income Ratio CalculatorCheck your debt-to-income ratio the way a lender does and how much more you could borrow.Debt-to-income: 37%Open the calculator Finance & FinTechCredit Utilisation CalculatorSee your card utilisation overall and per card, and how much to repay to get under 30%.Utilisation: 27%Open the calculator Finance & FinTechBalance Transfer CalculatorCompare a 0% balance transfer with its fee against staying put, and find the monthly payment that clears it before the promo ends.Saved by moving: $2kOpen the calculator Finance & FinTechRent vs Buy CalculatorCompare renting with buying over your horizon, counting mortgage interest, upkeep, price growth and what the deposit could earn instead.Better off by: $110kOpen the calculator Finance & FinTechRemortgage Savings CalculatorCompare staying on your current rate with switching, after fees and any early repayment charge.Net saving: $19kOpen the calculator Finance & FinTechOverdraft Cost CalculatorSee what an arranged overdraft really costs at today's rates and what a cheaper route would save.Overdraft cost a year: $200Open the calculator Finance & FinTechLoan Comparison CalculatorCompare two loan offers on total cost, not headline rate, including fees and term.Cheaper by: $1,200Open the calculator Finance & FinTechBusiness Line of Credit CalculatorEstimate what a revolving business credit line costs for how you actually draw on it, against a fixed term loan.Line cost a year: $5kOpen the calculator Finance & FinTechCrypto Mining Profitability CalculatorEstimate daily and monthly mining profit from hash rate, power draw, electricity price and pool fee.Daily profit: −$3Open the calculator Finance & FinTechToken Vesting CalculatorSee how a token allocation unlocks over a cliff and vesting schedule, and what it is worth at different prices.Unlocked so far: $190kOpen the calculator Finance & FinTechCrypto Loan LTV CalculatorBorrow against crypto: check loan-to-value, the price that triggers a margin call and how much collateral keeps you safe.Loan-to-value: 33%Open the calculator Finance & FinTechAPY to APR ConverterConvert between APR and APY for any compounding frequency and see what a DeFi yield really earns after fees.APY: 12.75%Open the calculator Finance & FinTechStablecoin Yield CalculatorCompare a stablecoin yield with a savings account after fees, tax and the chance of a peg break.Edge after risk: $250Open the calculator Finance & FinTechNet Worth CalculatorAdd up what you own, subtract what you owe, and see how liquid your wealth really is.Net worth: $210kOpen the calculator Finance & FinTechFinancial Independence CalculatorFind the pot that would fund your spending indefinitely and how many years of saving gets you there.Independence number: $1mOpen the calculator Finance & FinTechRetirement Savings CalculatorProject your pension pot to retirement and the income it could pay, and see what saving more or retiring later changes.Income a year: $11kOpen the calculator Finance & FinTechRent Affordability CalculatorWork out how much rent you can afford by the 30% rule and by what is actually left after your other costs.Rent share of pay: 41%Open the calculator Finance & FinTechReal Pay Rise CalculatorSee whether your pay rise beats inflation and what your salary is worth in real terms compared with a past year.Real pay rise: 0.7%Open the calculator Finance & FinTechCAGR CalculatorTurn a start value, end value and time into the compound annual growth rate, and compare it with a benchmark.CAGR: 10.8%Open the calculator Finance & FinTechBond Yield CalculatorGet current yield and yield to maturity for a bond from its price, coupon and years left, and see how a rate move changes its price.Yield to maturity: 5.0%Open the calculator Finance & FinTechSharpe Ratio CalculatorMeasure return per unit of risk for a portfolio or fund and compare it with a benchmark.Sharpe ratio: 0.44Open the calculator Finance & FinTechFintech Licence CheckerPick a fintech activity and a country to see whether it is regulated, which regulator oversees it and what authorisation is usually involved.Open the tool Finance & FinTechRegulatory Sandbox FinderFind regulatory sandboxes and innovation programmes by country and activity, with eligibility, what they grant and how to apply.Open the tool