Smart finance calculators for everyday decisions
Make informed financial choices with our collection of easy-to-use calculators. From loans to investments, get accurate results in seconds.
Popular Calculators
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Why Choose Ocean of Calculator?
Built for accuracy, designed for simplicity
Accurate Calculations
Built with precise formulas used by financial professionals worldwide.
Visual Insights
Beautiful charts and breakdowns to help you understand your finances.
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All calculations happen in your browser. We never store your data.
All Calculators
Explore our complete collection of financial tools
Loan Calculator
Calculate monthly payments, total interest, and loan amortization for any type of loan.
Loan Comparison Calculator
Compare two loan options side by side to find the best deal for you.
Auto Loan Calculator
Calculate your monthly car payment, total interest, and find out how much car you can afford.
Personal Loan Calculator
Estimate monthly payments and total cost for personal loans with fixed interest rates.
Student Loan Calculator
Calculate student loan payments under different repayment plans and see total interest paid.
Business Loan Calculator
Estimate monthly payments and total cost for business loans and lines of credit.
APR Calculator
Calculate the Annual Percentage Rate (APR) including fees and understand true loan costs.
Mortgage Calculator
Estimate your monthly mortgage payment including principal, interest, taxes, and insurance.
Mortgage Payoff Calculator
See how extra payments can help you pay off your mortgage faster and save on interest.
Refinance Calculator
Calculate if refinancing your mortgage makes sense and find your break-even point.
Rent vs Buy Calculator
Compare the costs of renting versus buying a home over time to make the right decision.
House Affordability Calculator
Find out how much house you can afford based on your income and debt-to-income ratio.
Down Payment Calculator
Calculate how long it will take to save for a down payment on your dream home.
Amortization Calculator
View a complete amortization schedule showing principal and interest breakdown for each payment.
Investment Calculator
Calculate compound interest and see how your investments can grow over time.
ROI Calculator
Calculate return on investment and compare the profitability of different investments.
Savings Goal Calculator
Find out how much you need to save each month to reach your financial goal.
Compound Interest Calculator
See how compound interest grows your money over time with different compounding frequencies.
Simple Interest Calculator
Calculate simple interest on loans or investments using the basic interest formula.
CD Calculator
Calculate Certificate of Deposit returns and compare different CD terms and APY rates.
Future Value Calculator
Calculate the future value of your money based on interest rate and time period.
Income Tax Calculator
Estimate your federal income tax based on your filing status and taxable income.
Sales Tax Calculator
Calculate sales tax for any purchase amount and find the total price including tax.
Take-Home Pay Calculator
Calculate your net pay after taxes, deductions, and withholdings from your gross salary.
VAT Calculator
Calculate Value Added Tax - add VAT to a price or extract VAT from a gross amount.
Discount Calculator
Calculate sale prices, percentage discounts, and savings on any purchase.
Debt Payoff Calculator
Create a debt payoff plan using snowball or avalanche methods to become debt-free faster.
Debt Consolidation Calculator
See if consolidating your debts into one loan could save you money on interest.
Credit Card Payoff Calculator
Calculate how long it will take to pay off credit card debt and total interest paid.
Debt-to-Income Calculator
Calculate your debt-to-income ratio to understand your financial health and loan eligibility.
Budget Calculator
Create a monthly budget using the 50/30/20 rule to manage your income effectively.
Retirement Calculator
Calculate how much you need to save for retirement and if you're on track to meet your goals.
401(k) Calculator
Estimate your 401(k) growth over time including employer matching contributions.
Roth IRA Calculator
Calculate potential tax-free growth in your Roth IRA based on contributions and time.
IRA Calculator
Compare Traditional vs Roth IRA and see how your retirement savings can grow.
Interest Rate Calculator
Solve for the effective interest rate based on loan amount, payment, and term.
Payment Calculator
Calculate the payment amount for any loan based on rate, term, and balance.
Repayment Calculator
Estimate how much you need to pay each month to clear a balance within a target term.
Boat Loan Calculator
Estimate payments and total interest for financing a boat purchase.
Auto Lease Calculator
Estimate monthly lease payments using money factor, residual value, and fees.
Lease Calculator
Calculate simple lease payments for equipment or vehicles based on rate and residual.
FHA Loan Calculator
Estimate FHA loan payments including upfront and annual mortgage insurance premiums.
VA Mortgage Calculator
Calculate VA mortgage payments including funding fee with no PMI required.
Mortgage Calculator UK
Estimate UK mortgage payments with standard repayment terms and rates.
Canadian Mortgage Calculator
Calculate Canadian mortgage payments using semi-annual compounding.
Mortgage Amortization Calculator
Break down mortgage payments into principal and interest across the full term.
Average Return Calculator
Calculate annualized average return (CAGR) between a starting and ending value.
IRR Calculator
Estimate internal rate of return based on initial investment, cash flows, and exit value.
Present Value Calculator
Discount a future amount back to today using an annual return or discount rate.
Payback Period Calculator
Find how long it takes to recover an initial investment from regular cash flows.
Bond Calculator
Price a bond using coupon rate, market yield, and maturity term.
Margin Calculator
See buying power, borrowing, and maintenance levels for margin trades.
Real Estate Calculator
Estimate mortgage payment, cap rate, and monthly cash flow for a property.
Rental Property Calculator
Calculate rental income, expenses, cash flow, and cash-on-cash return.
Interest Calculator
Calculate interest earned over time based on principal, rate, and duration.
Savings Calculator
Project savings growth with monthly contributions and compound interest.
Finance Calculator
A general future value calculator for lump sums plus monthly contributions.
Currency Calculator
Convert amounts between currencies using live or custom exchange rates.
Inflation Calculator
See how inflation changes the value of money over time and the future cost of goods.
College Cost Calculator
Estimate future college costs and how much to save each month to reach the goal.
Marriage Tax Calculator
Compare combined taxes when filing jointly versus separately with simple U.S. brackets.
Estate Tax Calculator
Estimate estate tax liability above the federal exemption threshold.
Percent Off Calculator
Quickly compute sale price after a percent-off discount.
Cash Back vs Low Interest
Compare whether rewards or a lower APR saves more based on spend and carried balance.
Depreciation Calculator
Calculate asset depreciation using straight-line, declining balance, or other methods for accounting and tax purposes.
Credit Card Calculator
Estimate payoff time and total interest for a credit card balance.
Pension Calculator
Project pension balance at retirement based on contributions and growth.
Social Security Calculator
Estimate monthly Social Security benefits using a simplified formula.
Annuity Calculator
Calculate payout amounts for an annuity based on balance, rate, and term.
Annuity Payout Calculator
Find the balance required to receive a target annuity payment.
RMD Calculator
Estimate required minimum distributions using the IRS Uniform Lifetime Table.
Salary Calculator
Convert annual salary to monthly, weekly, daily, and hourly estimates.
Commission Calculator
Calculate commission earnings based on sales volume and commission rate.
Rent Calculator
Estimate an affordable rent amount based on your income and target rent-to-income ratio.
BMI Calculator
Calculate your Body Mass Index (BMI) and see if you're in a healthy weight range.
Body Fat Calculator
Estimate your body fat percentage using the US Navy method with body measurements.
Ideal Weight Calculator
Find your ideal body weight based on height using multiple scientific formulas.
Lean Body Mass Calculator
Calculate your lean body mass and fat mass based on body fat percentage.
Body Surface Area Calculator
Calculate your body surface area using the Mosteller formula.
Army Body Fat Calculator
Calculate body fat percentage using U.S. Army standards and tape test.
Healthy Weight Calculator
Find your healthy weight range based on height and body frame.
Body Type Calculator
Determine your body type - ectomorph, mesomorph, or endomorph based on frame size.
Anorexic BMI Calculator
Calculate BMI with detailed underweight classifications and health risk assessment.
Overweight Calculator
Calculate how much you are overweight and how much weight you need to lose.
Calorie Calculator
Calculate your daily calorie needs based on age, gender, weight, height, and activity level.
Macro Calculator
Calculate your optimal macronutrient intake (protein, carbs, fat) for your goals.
Protein Calculator
Calculate your daily protein requirements based on weight and fitness goals.
Carbohydrate Calculator
Calculate your daily carbohydrate needs based on your calorie goals.
Fat Intake Calculator
Calculate your recommended daily fat intake based on calories and goals.
Water Intake Calculator
Calculate your recommended daily water intake based on weight and activity.
Weight Watchers Points Calculator
Calculate Weight Watchers SmartPoints for any food based on nutritional values.
BMR Calculator
Calculate your Basal Metabolic Rate - the calories your body burns at rest.
TDEE Calculator
Calculate your Total Daily Energy Expenditure - total calories burned per day.
Calories Burned Calculator
Estimate calories burned during exercise based on activity type and duration.
One Rep Max Calculator
Calculate your one-rep max for any lift and see training percentages.
Target Heart Rate Calculator
Find your target heart rate zones for optimal cardio training.
Pace Calculator
Calculate running or walking pace, speed, and finish time for any distance.
Pregnancy Calculator
Calculate your due date, current week of pregnancy, and trimester.
Pregnancy Weight Gain Calculator
Calculate recommended weight gain during pregnancy based on pre-pregnancy BMI.
Due Date Calculator
Calculate your baby's due date from your last menstrual period.
Ovulation Calculator
Estimate your most fertile days and ovulation date based on your cycle.
Period Calculator
Predict your next period date based on your menstrual cycle length.
Conception Calculator
Calculate your estimated conception date from due date or last menstrual period.
BAC Calculator
Estimate Blood Alcohol Content based on drinks consumed, weight, and time.
GFR Calculator
Calculate your Glomerular Filtration Rate to assess kidney function.
Quadratic Formula Calculator
Solve quadratic equations (ax² + bx + c = 0) and find real or complex roots using the quadratic formula.
Slope Calculator
Calculate the slope, distance, and equation of a line between two points.
Number Sequence Calculator
Find missing terms, nth term, and sum of arithmetic and geometric sequences.
Matrix Calculator
Perform matrix operations: addition, subtraction, multiplication, determinant, and inverse.
Triangle Calculator
Calculate area, perimeter, angles, and sides of any triangle given known values.
Right Triangle Calculator
Solve right triangles - find missing sides and angles using trigonometry.
Pythagorean Theorem Calculator
Calculate the missing side of a right triangle using a² + b² = c².
Circle Calculator
Calculate radius, diameter, circumference, and area of a circle from any known value.
Area Calculator
Calculate the area of various shapes: rectangle, triangle, circle, trapezoid, and more.
Volume Calculator
Calculate volume of 3D shapes: cube, sphere, cylinder, cone, pyramid, and more.
Surface Area Calculator
Calculate the surface area of 3D shapes: cube, sphere, cylinder, cone, and more.
Distance Calculator
Calculate the distance between two points in 2D or 3D coordinate space.
Ratio Calculator
Simplify ratios, find equivalent ratios, and solve proportion problems.
Standard Deviation Calculator
Calculate standard deviation, variance, and other statistical measures for a dataset.
Sample Size Calculator
Determine the required sample size for surveys and statistical studies.
Probability Calculator
Calculate probabilities for single and multiple events, including conditional probability.
Statistics Calculator
Comprehensive statistical analysis: mean, median, mode, range, quartiles, and more.
Mean, Median, Mode Calculator
Calculate mean, median, mode, and range for any dataset quickly and easily.
Permutation & Combination Calculator
Calculate permutations (nPr) and combinations (nCr) for counting problems.
Z-Score Calculator
Calculate z-scores and find probabilities using the standard normal distribution.
Confidence Interval Calculator
Calculate confidence intervals for population mean and proportion estimates.
P-Value Calculator
Calculate p-values for z-tests and t-tests to assess statistical significance.
Average Calculator
Calculate arithmetic mean, weighted average, and moving average for data sets.
Random Number Generator
Generate random numbers within a specified range with various options.
Factor Calculator
Find all factors (divisors) of any positive integer quickly.
Prime Factorization Calculator
Break down any number into its prime factors with step-by-step solution.
Greatest Common Factor Calculator
Find the greatest common factor (GCD) of two or more numbers.
Least Common Multiple Calculator
Find the least common multiple of two or more numbers easily.
Common Factor Calculator
Find all common factors shared between two or more numbers.
Basic Calculator
Simple calculator for basic arithmetic: addition, subtraction, multiplication, division.
Fraction Calculator
Add, subtract, multiply, divide, and simplify fractions with step-by-step solutions.
Percentage Calculator
Calculate percentages: find percentage of a number, percentage change, and more.
Percent Error Calculator
Calculate the percent error between experimental and theoretical values.
Long Division Calculator
Perform long division with quotient, remainder, and step-by-step work shown.
Rounding Calculator
Round numbers to decimal places, significant figures, or nearest whole number.
Scientific Calculator
Advanced calculator with trigonometry, logarithms, exponents, and scientific functions.
Exponent Calculator
Calculate powers and exponents: x^n, negative exponents, and fractional exponents.
Root Calculator
Calculate square roots, cube roots, and nth roots of any number.
Logarithm Calculator
Calculate logarithms: natural log (ln), common log (log10), and custom base logs.
Scientific Notation Calculator
Convert numbers to and from scientific notation and perform calculations.
Big Number Calculator
Perform arithmetic with very large numbers beyond standard calculator limits.
Half-Life Calculator
Calculate radioactive decay, remaining quantity, and time using half-life formula.
Binary Calculator
Convert between binary, decimal, hex, and octal. Perform binary arithmetic.
Hexadecimal Calculator
Convert between hexadecimal, decimal, binary, and octal number systems.