Free · No sign-up · Easy to use
Financial calculators and tools to help you decide calmly
38 tools to understand the impact of your decisions: saving, loans, cards, investing, budgeting and business. Instant results, with clear explanations and no products to sell.
Browse by topic
Saving toolsCompound interest, goals and emergency fund: plan how much to save and how.5 tools →Loan and mortgage calculatorsPayments, mortgages, fixed or variable rates, and how much you can borrow without getting overstretched.8 tools →Credit card calculatorsInterest, payoff plans and the real cost of paying only the minimum.3 tools →Investment and inflation calculatorsReturns, inflation and real return: is your money really growing?3 tools →Personal finance toolsBudget, profile quiz, payment calendar and statement closing dates.6 tools →Business calculatorsBreak-even point and working capital for entrepreneurs and small businesses.4 tools →Tax and salary calculatorsEcuador VAT at the current rate and the 13th and 14th salaries under the Labor Code.2 tools →Practical helpA visual guide to your account statement and calculated answers to common questions.7 tools →
💰 Saving
See section →Retirement calculatorEstimate how much you would build up for retirement and how much more you’d need to save each month.Open tool →Education savings calculatorWork out how much to save each month to pay for future studies.Open tool →Compound interest calculatorSee how much your money grows with monthly contributions and the effect of time.Open tool →Savings goal calculatorFind out how much to save each month for your goal, or how long it will take you to reach it.Open tool →Emergency fund calculatorWork out how much you need to cover the unexpected and how long it will take you to build it.Open tool →
🏠 Loans and mortgages
See section →Nominal rate to effective annual rate (EAR) converterConvert a nominal rate into an effective annual rate and back, based on compounding.Open tool →Total cost of credit calculatorAdd up interest, insurance, fees and charges: what you really pay.Open tool →Debt consolidation calculatorCompare keeping your debts as they are or combining them into a single loan.Open tool →Loan payment calculatorCalculate your monthly payment, total interest and amortization schedule.Open tool →Mortgage simulatorEstimate your mortgage payment based on price, down payment, rate and term.Open tool →Fixed rate vs. variable rateCompare how much you would pay with a fixed or variable rate under different scenarios.Open tool →Borrowing capacity calculatorFind out what extra payment you could take on without going over a healthy limit.Open tool →How much can I borrow?Starting from the payment you can afford, estimate the maximum loan amount.Open tool →
💳 Credit cards
See section →Credit card interest calculatorCalculate how much interest you are charged on the card balance you don’t pay off.Open tool →Card payoff simulatorBuild a plan to pay off your card: a fixed payment or a target date.Open tool →Cost of paying only the minimumSee how much time and interest it costs you to pay only your card’s minimum.Open tool →
📈 Investing and inflation
See section →Investment return calculatorCalculate the earnings on a deposit or investment based on rate, term and taxes.Open tool →Inflation calculatorSee how much what you buy today will cost tomorrow, and how much value your saved money loses.Open tool →Real return calculatorFind out whether your savings beat inflation after taxes.Open tool →
🧭 Personal finance
See section →Avalanche vs. snowball calculatorCompare the two methods for paying off several debts: time and interest.Open tool →Net worth calculatorAdd up what you own, subtract what you owe and see your real net worth.Open tool →Budget simulatorOrganize your income and expenses and compare them with the 50/30/20 rule.Open tool →Financial profile quizAnswer 8 questions and learn about your financial health and your risk tolerance.Open tool →Payment calendarOrganize the month’s payments and income by pay period and download them to your calendar.Open tool →Statement date plannerFind out which card gives you the most days to pay for a purchase based on its closing date.Open tool →
🏪 Business
See section →Selling price and margin calculatorCalculate the price from the cost and the margin or markup you want.Open tool →ROI (return on investment) calculatorCalculate the total and annualized ROI of an investment or project.Open tool →Break-even calculatorCalculate how many units you need to sell to cover your costs and start making a profit.Open tool →Working capital calculatorCalculate your working capital, current ratio and cash cycle.Open tool →
🧾 Taxes and salaries
See section →📘 Practical help
See section →How much will I pay on a $5,000 loan?Payment and interest on $5,000 over 12–60 months at example rates.Open tool →How much will I pay on a $20,000 loan?Payment and interest on $20,000 over 12–60 months at example rates.Open tool →What is the payment on a $50,000 mortgage?Monthly payment on a $50,000 mortgage over 15–30 years at example rates.Open tool →What is the payment on a $100,000 mortgage?Monthly payment on a $100,000 mortgage over 15–30 years at example rates.Open tool →How much does $10,000 earn in a term deposit?Interest on $10,000 over 90–720 days at example rates.Open tool →Visual bank statement glossaryTap each item on a sample account statement and understand what it means.Open tool →How much will I pay on a $10,000 loan?Calculated answer: payment and interest on a $10,000 loan by rate and term.Open tool →
How our tools work
- Transparent formulas: each tool explains how it calculates the result (compound interest, French amortization, present value, the Fisher equation, etc.).
- Your data stays on your device: calculations run in your browser; we don’t ask for sign-up or personal data.
- No made-up rates: the preloaded values are examples. Use the rates and terms in your contract or in each institution’s official information.
- Education, not sales: banco.guru doesn’t offer financial products. We help you understand so you can decide better.
Frequently asked questions
Are banco.guru’s tools free?
Yes. All the calculators and simulators are free and require no sign-up.
Is my data stored?
It isn’t sent to banco.guru. Calculations happen in your browser; some tools (such as the payment calendar) save your data only on your own device for your convenience.
Are the results exact?
They are educational estimates based on standard financial formulas and the data you enter. Actual figures depend on the country, the institution, taxes and current regulations.
Does Banco.guru offer loans, cards or investments?
No. Banco.guru is a financial education outlet: it doesn’t sell financial products or give personalized advice.
Can I use another currency?
Yes. Each tool has a currency selector (USD, MXN, COP, PEN, ARS and CLP) that changes the symbol and number format.
Results are for reference only and are not actual figures. Values depend on the country, the financial institution, taxes and current laws, and must be validated with an authorized financial institution. Banco.guru is an educational guide to what can be achieved; it does not offer products or personalized financial advice.
Última revisión: · Información referencial; valida tu caso con una institución financiera.