Financial Math

Interest, loans, annuities, and depreciation formulas

Financial Math solvers from AI-Math are free online financial math calculators and homework helpers covering interest, loans, annuities, and depreciation formulas. Type a problem or upload an image and the AI returns a clear, step-by-step solution — perfect for financial math homework, exam prep, or self-study from middle school through college. No signup needed; pick a specific topic below to launch its dedicated solver.

Amortization Schedule Calculator

Free amortization calculator with step-by-step solutions. Build a payment schedule row by row, split each payment into interest and principal, and total the interest.

Annual Income Calculator

Free annual income calculator with step-by-step solutions. Turn an hourly wage, a weekly or biweekly paycheque or a monthly salary into a yearly figure, and reverse it.

Future Value of an Annuity Formula

Free FV annuity calculator with step-by-step solutions. Apply the future value annuity formula, handle annuities due and growing annuities, and solve for the payment.

APY Interest Calculator

Free APY interest calculator with step-by-step solutions. Convert a nominal rate to APY at any compounding frequency, apply the daily balance method, and grow a CD.

Bank Loan Calculator

Free bank loan calculator with step-by-step solutions. Find the level payment, the balance at any point, the total interest, and how fast a larger payment clears the loan.

Betting Odds Calculator

Convert American, decimal and fractional odds, work out payout and profit from a stake, and turn any odds into an implied probability — with every step shown.

Black-Scholes Calculator

Price European calls and puts with the Black-Scholes formula. Compute d1, d2, N(d1), N(d2) and the option value step by step, and check with put-call parity.

CAGR Calculator - Compound Annual Growth Rate

Find the compound annual growth rate between two values with the CAGR formula solved step by step. Free CAGR calculator from AI-Math.

Car Finance Interest Rate Calculator

Free car loan interest rate calculator with step-by-step solutions. Back out the APR from a payment, total the interest, and convert an add-on quote to a true rate.

Chances of Winning Mega Millions

Work out lottery odds from the combinations themselves: jackpot odds, every lower prize tier, and the chance of winning anything, all computed step by step.

Compound Interest Calculator

Free compound interest calculator with step-by-step solutions. Apply A = P(1 + r/n)^(nt) daily, monthly or yearly, handle continuous compounding, and solve for the rate.

Depreciation Expense Calculator

Compute annual depreciation expense, accumulated depreciation and book value, including partial-year and mid-month conventions — every step of the arithmetic shown.

Depreciation Calculator

Free depreciation calculator with step-by-step solutions. Work through straight-line, declining balance, double declining and units-of-production methods on your own figures.

Dividend Tax Calculator - Qualified vs Ordinary

Work out tax on dividend income step by step, splitting qualified from ordinary dividends and comparing dividends with interest at the rates you enter.

Down Payment Calculator

Work out a down payment from price and percent, reverse it from a dollar amount, and find the price a given deposit supports — with every arithmetic step shown.

Effective Annual Rate Calculator

Convert a nominal rate to the effective annual rate for any compounding frequency with EAR = (1 + i/n)^n − 1, reverse it, and compare rates fairly — step by step.

Financial Calculator Online Free

Free online financial calculator with step-by-step solutions. Work out return on equity and assets, DuPont decomposition, NPV and IRR, and the standard liquidity ratios.

Investment Growth Calculator

Free investment calculator with step-by-step solutions. Project growth of a lump sum, add regular contributions, and convert between nominal, effective and real rates.

Car Lease Payment Calculator

Free automobile lease calculator with step-by-step solutions. Split a lease payment into depreciation and finance charge, convert the money factor to an APR, and price a buyout.

Loan Amortization Schedule Calculator

Build a loan payment schedule row by row, price extra payments and early payoff, and find the balance or per-diem interest at any point — every step worked out.

Car Loan Payment Calculator

Free car loan calculator with step-by-step solutions. Work out the monthly payment, the interest/principal split, total interest, and the loan size a budget supports.

FHA Payment Calculator with MIP

Work out an FHA-style monthly payment step by step: base loan, upfront MIP rolled in, principal and interest, annual MIP, taxes and insurance — using the rates you enter.

Loan Interest Calculator

Free loan interest calculator with step-by-step solutions. Compute monthly interest, interest-only payments, daily per-diem interest and the total interest on a mortgage.

Loan Payoff Calculator with Extra Payments

Free loan payoff calculator with step-by-step solutions. See how extra principal shortens a loan, how much interest it saves, and how to compute a payoff amount today.

Lottery Annuity Calculator

Free lottery annuity calculator with step-by-step solutions. Split a jackpot into graduated annual payments and find the future or present value of any annuity.

Lottery Payout Calculator

Work out lottery payouts step by step: the graduated 30-year annuity, the present value behind the cash option, and take-home after the withholding rates you enter.

MACRS Depreciation Calculator

Free MACRS depreciation calculator with step-by-step solutions. Apply recovery periods, half-year and mid-month conventions, and the declining-balance percentage tables year by year.

Mortgage Amortization Calculator

Free mortgage amortization calculator with step-by-step solutions. Solve M = P·i/(1 − (1+i)^−n), split every payment into principal and interest, and total the interest.

Mortgage Loan Income Calculator

Free mortgage income calculator with step-by-step solutions. Turn a gross salary and a debt-to-income ratio into a housing payment, then into the loan that payment supports.

Mortgage Rate Calculator with Points

Free mortgage rate calculator with step-by-step solutions. Compare payments across rates, find the break-even month on discount points, and size a loan from DSCR.

Negative Equity Car Calculator

Free negative equity calculator with step-by-step solutions. Compare a car's value to its payoff, roll a shortfall into a new loan, and find the month you break even.

Options Pricing Calculator

Free options calculator with step-by-step solutions. Compute intrinsic and extrinsic value, payoff and breakeven, and Black-Scholes call and put prices with put-call parity.

Present Value Equation

Free present value calculator with step-by-step solutions. Discount a single sum, a stream of uneven cash flows or a whole project with the present value equation.

Present Value of an Annuity Calculator

Find the present value of an ordinary annuity or annuity due, build PV annuity factor tables, and handle perpetuities and growing annuities step by step.

Rate of Return Calculator

Free rate of return calculator with step-by-step solutions. Compute total return, annualised CAGR and inflation-adjusted real return, and project a balance with contributions.

Retirement and Savings Calculator

Free retirement and savings calculator with step-by-step solutions. Grow a starting balance plus regular contributions, solve for the deposit you need, and adjust for inflation.

Annualized Return Calculator

Free annualized return calculator with step-by-step solutions. Convert any holding-period gain into a yearly rate, annualize a periodic return, and solve for the rate inside an annuity.

Return on Investment Calculator

Free ROI calculator with step-by-step solutions. Compute return on investment from gain and cost, include dividends and fees, and annualise it for a fair comparison.

Return on Equity (ROE) Calculator

Calculate return on equity from net income and shareholders' equity. ROE formula, average-equity and DuPont breakdowns, worked step by step.

Savings Interest Calculator

Free savings interest calculator with step-by-step solutions. Grow a lump sum with A = P(1 + r/n)^(nt), add regular monthly deposits, convert to APY and solve for the rate.

Straight Line Depreciation Calculator

Free straight line depreciation calculator with step-by-step solutions. Apply (cost - salvage)/life, build the schedule, and handle a partial first year.

Stock Capital Gains Tax Calculator

Free stock gain tax calculator with step-by-step solutions. Compute cost basis and realised gain, net short-term against long-term losses, and adjust basis after a wash sale.