These finance and business pages are deliberately scoped to evergreen formulas such as repayments, growth, margins, pricing, and VAT maths that stays useful when the rate is user-entered.
Start here for timeless money maths built from your own inputs: growth, borrowing, pricing, profitability, and VAT. The flagship guides are strongest when you want the formulas and interpretation behind the repayment or return figure, not just the number itself.
Start with the guide that gives the clearest method, then move into the live tools once you know which figures matter.
A practical guide to simple interest, compound growth, present value, future value, and CAGR that explains why money in different time positions cannot be compared honestly until time and compounding are made explicit.
Use the guide hub when you need the formula, worked example, or explanation before you run the numbers.
A practical guide to simple interest, compound growth, present value, future value, and CAGR that explains why money in different time positions cannot be compared honestly until time and compounding are made explicit.
A practical guide to loans and mortgages that explains amortisation, payment structure, interest allocation, and the trade-off between payment size, total interest, and repayment speed.
A practical guide to markup, margin, discounting, ROI, and break-even thinking that keeps the definitions separate so pricing decisions are not distorted by similar-looking percentages that mean very different things.
Keep the most useful formulas, examples, and checks available offline with the printable packs for this category.
A deeper revision guide for simple interest, compound growth, present value, future value, and CAGR, with worked examples that show why time positioning changes the meaning of money.
A stronger printable reference for loan and mortgage repayment, amortisation logic, interest allocation, and payment comparisons across different terms.
A clearer pricing sheet for markup, margin, discounting, and price logic, built to stop common denominator mistakes before they distort commercial decisions.
Search within this category to narrow the list quickly, then move between related tools without losing the wider context.
Project compounded growth from a starting balance, contribution schedule, rate, and compounding frequency using only the values you enter.
Calculate what a present amount grows to after the annual rate and time period you enter are applied.
Discount a future amount back to today's terms using the annual rate and time period you enter.
Use the Simple Interest Calculator to work out simple interest from values you control yourself, without baked-in policy assumptions.
Use the CAGR Calculator to work out cagr from values you control yourself, without baked-in policy assumptions.
Calculate return on investment from the starting cost and final value you enter, with the result shown as a simple percentage return.
Work out gross profit, profit margin, and markup from the selling price and cost you enter.
Use the Markup Calculator to work out markup from values you control yourself, without baked-in policy assumptions.
Use the Discount Calculator to work out discount from values you control yourself, without baked-in policy assumptions.
Use the Break-Even Units Calculator to work out break-even units from values you control yourself, without baked-in policy assumptions.
Calculate a fixed-payment loan from the amount borrowed, rate, and term, using only the values you enter.
Estimate a standard repayment mortgage from property price, deposit, rate, and term with clear monthly costs and supporting figures.
Add VAT to a net amount using an editable rate that you control rather than a hardcoded tax assumption.
Remove VAT from a gross amount using an editable rate so the tool stays useful even when tax assumptions change.