Finance tools

These tools do not recommend a product or predict approval. They apply transparent arithmetic to the amount, period, rate, and assumptions you provide, with a review date and sources when a rule or market reference can change.

Browser-based tools
Data handling is disclosed on each tool
No signup; device limits apply

Amortization Table with Extra Payments See how a fixed-rate payment divides into interest and principal over time. Extra payments can accelerate… Tenure-Based Korean Annual Leave Schedule This schedule explains how a long-service leave allowance grows with completed years. It does not collect… Annuity Payment Calculator — Free Find equal payments either to amortize a present balance or accumulate a future target. The model uses an… Nominal Rate to Effective Annual Rate Convert a nominal annual rate into an effective annual rate using compounding frequency. Despite APR in the… Auto Loan Payment and Interest Worksheet Compare financing a vehicle under a fixed monthly repayment schedule. A larger down payment reduces the… Average Cost Calculator — Free Online Summarize purchase lots as total cost, total units and a quantity-weighted average. The worksheet combines… Split a Bill with a Selectable Tip Base Add tax and tip to a subtotal and split it evenly. Selecting whether tip applies before or after tax makes… Biweekly Mortgage Payment Scenario A biweekly schedule creates 13 monthly-payment equivalents a year when each payment is half the normal… Minimum Whole Units to Break Even Find how many units must contribute toward fixed costs. This single-product model assumes a stable price and… Business Day Count weekdays between two dates by excluding Saturdays and Sundays. This supports a simple work-plan… CAGR from Starting and Ending Value Calculate a smooth annual rate that transforms the starting value into the ending value. It is not the… CD Interest from Effective APY Treat APY as an annual yield that already incorporates compounding. This implementation has no… Sales Required for a Commission Target Assume a contract pays one percentage of sales and calculate target revenue. The worksheet helps size a… KRW Annual Versus Monthly Compounding Grow only an initial principal over time without additional contributions. Annual and monthly compounding… Compound Interest Calculator — Free Project a balance when principal and periodic additions compound at a constant stated rate. Contributions… Credit Card Payoff Without New Purchases Model a card balance repaid without additional spending. This does not reproduce a statement’s daily-balance… Currency Conversion at Your Entered Rate Set an exchange rate to compare KRW with a foreign currency. No live quote is downloaded: the prefilled… Debt Payoff at a Fixed Monthly Payment Apply monthly interest, then the same payment, to one balance. Whether the payment exceeds interest… One Debt Within a Snowball Plan Despite the snowball name, this form does not sort multiple debts or transfer payments automatically. It… Monthly Debt-to-Income Ratio Calculate the share of gross monthly income committed to debt payments. This follows the basic DTI… Lump-Sum Deposit: Simple or Monthly Compound Compare simple interest with monthly compounding for money deposited once at the start. Unlike an instalment… Dollar-Cost Average Calculator — Free Calculate accumulated units and average cost when the same cash amount is invested at each listed price.… Home Down Payment and Remaining Principal Calculate the portion of a home price funded upfront with your own money. Down payment means purchase… Annual Debt-Service Ratio Worksheet Add existing and proposed monthly loan payments and compare their annual total with income. This cash-flow… Emergency Fund from Essential Expenses Set a reserve target from the essential spending you want to cover if income stops. The calculator does not… European Standard VAT: Add or Extract Add or extract VAT at the selected jurisdiction’s embedded standard rate. Product-specific reduced rates are… Freelance Rate from Billable Capacity Reverse an hourly quote that covers desired annual income and expenses. This is not a market-rate survey;… Fuel Efficiency Calculator — MPG, Free Calculate US miles per gallon and litres per 100 kilometres from distance and fuel used. The worksheet… Future Value Calculator — Free Online Project the future value of a present amount plus additions made at each compounding date. The worksheet… Converted Amount After an Entered FX Spread Inspect the effect of a spread on a manually entered exchange rate. No quote or currency is detected… Gold Weight and Purity Value Estimate a price scenario from gold weight and purity. The calculator downloads no market quote, so the… Hourly to Salary Calculator — Gross Annualize an hourly wage using entered weekly hours and paid weeks, then show weekly and monthly… Hourly and Monthly Wage Conversion Compare hourly and monthly pay under an explicit hours model. The default 4.345 weeks and optional paid-rest… Inflation Cost and Purchasing Power Distinguish the future price of the same purchase from the purchasing power of unchanged cash. The entered… Installment Calculate equal monthly payments and total interest from principal, annual rate and term. This KRW worksheet… Installment Payment Calculator — Free Subtract a down payment from cash price and calculate equal installments on the fixed-rate balance. The… Investment Balance with Monthly Contributions Project a portfolio with regular contributions. Unlike ROI measured from realised proceeds, this worksheet… Korean Deposit-to-Rent Conversion Convert part of a Korean rental deposit into monthly rent or find the deposit equivalent of rent. The tool… Loan Principal from Monthly Payment Room Set a share of income available for debt payments, then find room for a new payment. Converting that room… Equal-Payment Versus Equal-Principal Loans Hold principal, rate and term constant to compare level total payments with level principal repayments.… Loan Prepayment Calculator — Savings Compare term and interest reductions when an extra amount is paid toward a remaining loan each month. The… Capital-Region First-Home 70% LTV Scenario Explore the preset named for first-time buyers in Korea’s capital region. The FSC June 2025 source explains… Regulated-Area 40% Collateral Scenario Use the 40% preset to examine the cash implications of a collateral ratio. The page’s region list or recency… First-Home LTV Comparison in a Regulated Area Inspect the arithmetic difference between a first-home preset and a comparison ratio. When an amount cap… Unregulated-Area 70% Collateral Worksheet Calculate additional ratio room after existing secured debt at 70%. The unregulated-area name does not mean… Maximum Cost for a Target Margin Set price and margin first, then reverse the maximum allowable cost. This differs from adding markup to a… Marketplace Profit After Entered Costs Inspect money left from a sale after all entered costs. The platform fee is a single percentage of the… Selling Price from Cost Markup Start with known cost and add a markup to set price. Margin uses selling price as denominator, so the same… Meeting Cost Calculator — Loaded Hours, Free Estimate direct time cost by multiplying attendance, average hourly labour cost and meeting duration. The… Household Income Reference Ratio Calculate income as a proportion of an embedded household-size reference. Korea’s administrative standard… Mortgage Calculator — Monthly Payment Model monthly principal-and-interest payments on a fixed-rate amortizing mortgage and compare extra… Overtime and Night Multiplier Worksheet Calculate extra-hour pay under a chosen multiplier. It does not determine Korean statutory overlap of… Regular Plus Overtime Pay in USD Add regular-hour pay to premium pay for extra hours. The form does not determine legal overtime in any… Pay Raise Calculator — New Salary, Free Apply an entered raise percentage to annual pay and compare the new gross amount, increase and monthly… Apply a Percentage Increase or Decrease Apply one percentage to an original number for pricing, targets or quantities. This general arithmetic is… Percent Off Calculator — Sale Price Calculate the selling price and saving after one percentage discount. The result helps interpret a promotion… Percentage Amount, Share or Change Use two numbers to find a percentage amount, a part’s share of a whole or change from start to finish. Each… Percentage Change Calculator — Free Express the change between two values relative to the absolute starting value. This directional calculation… Fixed-Rate Personal Loan Payment Compare personal-loan costs under a fixed-rate level-payment schedule. Without collateral, income or credit… Prepayment Fee by Remaining Term Explore a contract assumption where the fee falls with remaining time. Products differ in exemption periods… Present Value Calculator — Discount, Free Discount a future amount to its present value using monthly compounding. This compares cash at different… Gross and Net Rental Yield Separate rent-to-value yield from the yield after operating expenses. This is an unlevered property-value… Brokerage Fee from a Simplified Bracket Table Place a transaction amount into an embedded brokerage bracket. The current high-value lease table is… Refinance Payment Difference and Cost Recovery Compare keeping a loan through its remaining term with refinancing. A lower payment can accompany higher… Rent Versus Monthly Ownership Cash Cost Compare monthly cash outflow for renting and buying. Appreciation and the opportunity cost of down-payment… Rental Yield Divide annual cash flow after entered monthly maintenance and interest by purchase price. This is a narrowly… Retirement Savings and Today’s Purchasing Power Project savings until a chosen retirement point. Showing nominal balance and today’s purchasing power does… Reverse a Percentage, Increase or Discount Find the whole behind a percentage amount or recover a value before an increase or discount. Adding the same… ROI from Total Proceeds Compare investment outlay with total proceeds for an overall return. Without a holding-period input, the… Rule of 72 Versus Exact Compound Doubling Divide 72 by the annual percentage and compare it with the compound-growth logarithm. Both assume an… Salary Raise Calculate a revised KRW annual salary, annual difference and average monthly difference from a raise… Annual Salary to Implied Hourly Pay Inspect the hourly equivalent of a salary under a chosen schedule. This is a gross comparison, not a… US State Sales Tax Snapshot Use a general state-rate snapshot for a simple sales-tax estimate. City and county rates are absent, so the… Savings APY from a Nominal Rate Compare deposit scenarios with different nominal rates and compounding frequencies. Unlike the CD form that… Monthly Saving Needed for a Goal Find a monthly contribution that reaches a target at a chosen time. The model separates growth of existing… Monthly Instalment Savings Interest Calculate each monthly deposit’s own interest period. Treating the entire final principal as though it were… Sale Proceeds After Percentage and Flat Fees Model a sale charged both a percentage and a fixed fee. Product cost is not an input, so the money received… Severance Pay from Monthly Wage and Tenure Multiply an assumed monthly average wage by service length for a rough benefit estimate. This does not… Simple Interest Without Reinvestment Calculate interest that does not itself earn interest. Unlike a compounding account or a declining loan… Stock Average Combine purchase quantities and prices into a weighted average and compare value using a current price you… Stock Water Buy Solve for the additional whole-share quantity needed to lower an existing average cost to a target. This is… Fixed-Rate Student Loan Payments Model a student loan repaid through equal monthly payments at a fixed rate. This does not implement Korean… Tip and Equal Bill Split Add a selected tip percentage and split the total evenly. The form does not determine local tipping practice… Trip Fuel Cost Calculator — Free Estimate trip fuel quantity and cost from distance, economy and a price per fuel unit. The tool… Paid Weekly-Rest Wage Assumption Calculate a simplified assumption of one day’s paid weekly rest. The engine does not check the 15-hour…

Your assumptions drive the answer

The same quoted rate can lead to different results under simple or compound interest, repayment timing, day-count, and rounding rules. Confirm whether fees, taxes, early repayment, and promotional terms are included.

Exchange rates and commodity prices move continuously. A prefilled example is not automatically today’s price; replace it with a dated value from an authoritative source for the transaction you are evaluating.

An estimate is not an underwriting result

Regulatory ratios such as DSR and LTV can depend on recognized income, loan type, location, borrower status, implementation date, exclusions, and stress assumptions. A simple calculator is useful for exploring scenarios, not reproducing every lender decision.

Before a material commitment, compare the estimate with contract terms and current guidance from the relevant Korean regulator or institution.

Keep a reproducible comparison

Record the input values, rate date, fixed or variable basis, and excluded costs alongside the result. That context lets you repeat the calculation rather than comparing unlabeled screenshots.

For competing products, review total interest, maturity value, exit costs, and risk conditions instead of relying on one monthly figure.

Sources

Frequently asked questions

Will this match a bank quotation?

Not necessarily. Product-specific day counts, preferred rates, fees, and rounding can change the contractual result.

Are currency and gold prices live?

Check the individual tool. A user-entered calculator’s default is an example, and you must supply a value appropriate to the transaction date.

Last reviewed 9월 4, 2026