OraGet Ora ↗
Ora

A clearer money question.

Compare a borrowing cost, plan a savings goal, or understand a tax estimate. Start with the question, then check the assumptions.

Free tools for your browser

These website tools are separate from Ora’s iPhone shift tracker. No account is needed. Calculations run in your browser.

Browse and filter every calculator · Read the worked examples

Taxes and prices

VAT calculatorAdd VAT to a net price or extract VAT from an inclusive total. See the net, tax and gross amounts, with formulas and rounding examples.
Sales tax calculatorEstimate sales tax and the checkout total using a rate you enter. Reverse an inclusive price and understand taxable-base and rounding limits.

Interest and saving

Simple interest calculatorCalculate simple interest on an unchanged principal, with a clear annual-rate formula. Compare interest earned with the final total and compounding.
Compound interest calculatorModel a starting balance, regular contributions and a chosen compounding rate. Separate money contributed from illustrative investment growth.
Savings goal calculatorWork backwards from a savings target and deadline to an estimated monthly contribution. Include an opening balance and a chosen growth assumption.
Inflation calculatorModel future prices and today’s purchasing power using a rate you choose. See a worked compound-inflation example without a live CPI claim.
Effective annual rate calculatorConvert a nominal annual rate and compounding frequency into an effective annual rate. Compare compounding without confusing the result with APR.
CAGR calculatorCalculate the equivalent annual growth rate between two positive values. Learn why CAGR does not describe volatility or account for added cash flows.
Emergency fund calculatorMultiply essential monthly costs by a coverage period you choose. Compare the target with savings actually available and see the remaining gap.
Percentage change calculatorFind absolute and percentage change from a positive starting value. Follow increases, decreases and percentage-point examples with a clear baseline.
Investment fee impact calculatorCompare two assumed asset fees against a no-fee scenario with identical gross growth and contributions. See charged fees and the change in ending balance.

Borrowing

Loan repayment calculatorEstimate a fixed-rate loan payment, total interest and repayment schedule. Understand principal, declining balances, zero interest and rounding.
Mortgage payment calculatorEstimate fixed-rate mortgage principal and interest. Separate the loan payment from property tax, insurance, fees and other housing costs.
Loan overpayment calculatorCompare a fixed-rate repayment schedule with regular extra principal payments. Estimate months saved and interest reduction before contractual fees.
Loan comparison calculatorCompare two fixed-rate loan scenarios side by side. See monthly payments, repayment length and total interest while keeping fees and APR separate.
Credit card payoff calculatorEstimate payoff time for one card balance and a fixed monthly payment. See interest, the final payment and why daily lender calculations can differ.
Debt payoff strategy calculatorCompare highest-rate and smallest-balance repayment with the same monthly budget. See payoff time, interest and transparent fixed-minimum assumptions.

Financial independence

FIRE calculatorExplore a financial-independence timeline using current assets, savings, spending and chosen real-return and withdrawal assumptions. No success guarantee.
Coast FIRE calculatorDiscount a future financial-independence target to an amount invested today. Understand the no-new-contributions assumption and real-return sensitivity.
Financial independence numberConvert the annual spending gap you want investments to cover into a portfolio target. Compare withdrawal assumptions without treating them as guarantees.

Tax coverage is specific

The initial dated models cover US federal ordinary-income tax for 2026, UK non-savings Income Tax for 2026/27 including Scotland, and a narrow Madrid 2026 general-tax-base model before credits. They omit other taxes, credits and payroll deductions. Other countries and regions are being researched; these tools do not cover them. Currency selection in a generic calculator does not change tax law or convert amounts.

Understand the method

Simple versus compound interestCompare simple and compound interest using the same starting balance and rate. Understand contributions, compounding frequency and nominal-rate assumptions.
How loan amortization worksRead a fixed-rate loan schedule and separate principal from interest. Follow the first payments, final-payment rounding and the effect of extra principal.
Loan interest rate versus APRSeparate contractual interest, fees, effective rates and APR. Compare two fixed-loan examples without mistaking a payment estimate for a regulated disclosure.
VAT included versus VAT addedAdd VAT to a net price or extract included VAT correctly. Follow worked amounts, avoid subtracting the rate from gross and check invoice rounding.
Inflation and real returnsConvert nominal growth into purchasing-power growth. Follow exact real-return arithmetic, compounded prices and a consistent today-money planning example.
The assumptions behind a FIRE calculationUnderstand what a financial-independence model includes and misses. Check withdrawal assumptions, real growth, contributions, return sequences and bridge periods.
Sales tax versus VATCompare VAT and retail sales tax: similar price arithmetic, different collection, deduction and resale rules. Follow an example without universal rate assumptions.
Marginal versus effective tax ratesSeparate the rate on additional taxable income from an average tax ratio. Follow a fictional two-band example and check the denominator before comparing results.
What loan overpayments saveSee how extra principal reduces interest and how charges change the comparison. Follow a checked schedule and verify lender treatment before paying extra.
Build an emergency-fund targetBuild a personal emergency-savings worksheet from essential expenses, chosen coverage and accessible savings. Follow an example without a universal months rule.

Educational estimate using the stated assumptions. Fees, taxes, changing rates and individual circumstances can change an outcome. This is not personalized financial advice. Read the estimates disclaimer.