Finance Calculators (Page 44)
Mortgage, loans, investment returns, salaries tax, savings and more.
High-LTV Mortgage Calculator
From home price, down-payment ratio and annual rate, compute a high-LTV (low down-payment) mortgage's monthly principal & interest, mortgage insurance premium (upfront + monthly) and total payment; compared with the US FHA scheme.
Property Valuation Calculator
Enter the monthly rent, capitalisation rate (cap rate) and expense ratio to estimate a rental property's value by the income approach. Good for judging a fair buy price.
Subsidised Housing Mortgage Calculator
Enter the home price, loan-to-value ratio, and annual rate to compute the high-LTV mortgage monthly payment and total interest for HOS, Green Form, or White Form subsidised housing.
Estate Agent Commission Calculator
From the sale price and commission rate, compute the estate agent commission and the total with tax, plus the seller's net proceeds. Hong Kong agency commission is generally not subject to VAT.
Student Loan Forgiveness Calculator
Enter the loan amount, annual rate, repayment term, and years paid to compute the remaining balance that could be forgiven after a forgiveness period, plus the amount already paid.
GST / VAT Calculator
Convert freely between gross (tax-inclusive) and net (tax-exclusive) amounts with the tax amount, supporting both forward add and reverse extraction.
Loan EMI Calculator
Compute the equated monthly installment (EMI), total interest and total repayment of a loan.
Retirement Savings Calculator
Enter the target retirement amount, years, expected annual return, and inflation to estimate the monthly saving needed and its real purchasing power today.
Compound Interest Future Value (FV) Calculator
From principal, annual rate, years and compounding frequency, compute the future value and total interest, with a year-by-year breakdown.
Interest-Only Loan Calculator
From principal, annual rate and IO months, compute monthly interest, total interest and the balloon due at maturity.
Debt-to-Income (DTI) Ratio Calculator
Work out your debt-to-income ratio and a burden rating from monthly debt payments and income.
Savings Rate Calculator
Enter monthly income and expenses to compute the savings rate, monthly surplus, and annual amount you can save.