Business and household finance calculators
Calculate general-purpose loans locally in your browser, with configurable payroll withholding, value-added tax and profit, household budgets, investment cash flow, retirement savings, and working hours.
How to use the business and household finance calculators
Amounts, rates, and cash flow are calculated only in the memory of the current browser. Nothing is uploaded, and no personal accounts or institutional quotes are queried online.
Select a calculation scenario
Choose loans, payroll withholding, tax rates and profit, household budgeting, investments, retirement savings, or working hours.
Enter the actual criteria
Enter the contract amount, a user-defined rate, cash flows, or time records; the page does not auto-fill real-time policies or quotes.
Check and save summary
Check the formula conventions and intermediate results, then copy or download the summary for subsequent manual review.
Limitations and Notes
- The result is a static estimate and does not constitute a bank quote, tax filing, payslip, investment advice, or retirement promise.
- The payroll mode does not include regional social insurance, housing provident fund, or individual income tax policies; all rates and bases must be entered by the user according to the currently applicable rules.
- IRR may have multiple or no solutions; the tool only reports results obtained from the current numerical search, and major decisions require review using a formal financial model.
FAQ
Will it automatically use the local social insurance rate?
No. Regional rules change, and the page requires users to enter the applicable rate and base themselves.
Will the loan results exactly match the bank statement?
No guarantee; interest accrual dates, fees, insurance, rounding, and contract rules may all cause differences.
What does it mean when IRR displays no solution?
The given cash flow has no stable sign changes or convergence within the search range; check the cash flow direction and period.