Finance Calculators

Comparing investments on a common scale

Absolute gains are hard to compare because a large project will usually produce a larger gain than a small one. Expressing the outcome as a percentage of the amount invested puts unlike projects on the same footing, which is the entire purpose of a return calculation.

Returns and compound growth

ROI measures past performance — how much an investment returned relative to its cost. Compound interest projects future growth — how a principal grows with regular contributions and compounding interest over time. Both are estimates that ignore fees, taxes, volatility and inflation unless you explicitly account for them in your inputs.

Loan payments and borrowing costs

The loan payment calculator separates every installment into principal, interest and mandatory fees. Enter the contractual rate quoted by your bank, then choose reducing balance or flat rate and compare US APR, European APRC and GCC disclosure views.

What percentage returns leave out

• Time: a thirty percent return over one month and over five years are very different outcomes, so note the period alongside the percentage.
• Risk: a higher expected return often reflects a higher chance of loss.
• Tax and fees: unless you include them in your inputs, the result is a gross figure.

Use estimates as a starting point

These tools are designed to make a rough comparison fast and transparent. They are not a substitute for advice from a licensed financial professional, and figures relating to tax, regulated products or borrowing should always be confirmed for your jurisdiction.