Australia GST Calculator (Add or Remove 10% GST & BAS)
Add 10% GST or calculate the 1/11th GST component backwards from inclusive totals.
Compound Interest & Loan Amortization Calculator
See compound growth or a full loan amortization schedule.
⟨/⟩ Embed this tool on your site
Paste this into any page — the live tool appears with a credit link back here.
✏️ Sketching your tool…
Sponsored: Recommended offer →
About Compound Interest & Loan Amortization Calculator
Compute compound interest growth over time or run a complete loan amortization table with interest and principal per payment.
How compound interest works
Compound interest earns returns on both the original principal and previously accumulated interest. The balance after each period equals the principal multiplied by one plus the rate, raised to the number of periods, which is why starting early matters far more than starting big. Monthly contributions accelerate the curve because each deposit begins compounding immediately.
How loan amortization works
Each loan payment splits into an interest portion and a principal portion. Early payments are mostly interest because the balance is highest, while later payments retire mostly principal. The amortization table shows this split per payment so you can see exactly how extra payments shorten the loan.
📐 Methodology & Reference Accuracy:
Calculations, formulas, and conversions execute locally in your web browser. Output models are benchmarked against official reference standards and updated for 2026.
🔒 This tool runs entirely in your browser. Nothing is uploaded or stored.
Background reading: Compound Interest on Wikipedia. More: all calculators.
Frequently Asked Questions about Compound Interest & Loan Amortization Calculator
What is the compound interest formula?
The balance equals principal times one plus the periodic rate, raised to the number of periods. With regular contributions, each deposit compounds for its remaining time, which is why consistent monthly saving beats occasional lump sums.
What is the rule of 72?
Divide 72 by the annual rate to estimate doubling time in years. At 8 percent, money doubles in about 9 years; at 4 percent, about 18 years.
How do extra loan payments help?
Extra payments go straight to principal, which shrinks every future interest charge. Even one extra payment per year can cut years off a mortgage and save thousands in interest.
Nominal rate versus APY: what is the difference?
The nominal rate ignores compounding frequency while APY includes it. Monthly compounding at a 6 percent nominal rate earns slightly more than 6 percent APY, which is why lenders must disclose APY for fair comparison.
Related Articles & Guides
Oct 9, 2026
Free Online Tools That Work in Your Browser: A Guide to Fast, Private Productivity
All 338 free online tools in one guide: calculators, converters, generators and checkers that run privately in your browser.
Read postSep 20, 2026
Free Online Web Tools: How to Build a Faster, Safer Daily Workflow
If you use a computer every day, you probably perform dozens of tiny digital tasks that are too simple to justify installing software for, but frequent enough to…
Read postSep 4, 2026
Stop Waiting to Be “Good with Money” (And Other Truths Nobody Tells You)
See compound growth or a full loan amortization schedule.
Read post