Finance & Accounting Calculator

Loan & Amortization +

Loan Amount ($): Down Payment (%): 20% Custom Down Payment ($): Interest Rate (%): 5% Loan Term (Years):

Month	Payment	Principal	Interest	Balance

Investment & Savings +

Initial Amount ($): Monthly Contribution ($): Annual Interest Rate (%): 5% Years: Annual Bonus ($): Expected Inflation (%):

Accounting Metrics +

Total Revenue ($): Total Expenses ($): Depreciation ($):

Cash Flow +

Monthly Inflow ($): Monthly Outflow ($): Months:

Financial Ratios +

Current Assets ($): Current Liabilities ($): Total Debt ($): Total Equity ($): Net Income ($): Total Assets ($):

Welcome to SmartCalc Tools, your reliable online finance and accounting calculator. This comprehensive tool is designed to help individuals, entrepreneurs, and small businesses manage loans, track investments, monitor cash flow, calculate accounting metrics, and evaluate financial ratios with ease. Simply enter your loan amount, down payment, interest rate, and term to view amortization schedules and monthly payments. For investments, adjust initial contributions, monthly savings, annual bonuses, and inflation rates to forecast long-term growth. Use the cash flow section to analyze inflows and outflows, while the accounting metrics and ratios sections provide insights into profitability, liquidity, and debt management. Interactive charts and detailed tables make financial planning simple and visual. Whether you are planning a mortgage, savings strategy, or business finances, SmartCalc Tools empowers you to make informed decisions quickly and efficiently, all from a user-friendly interface optimized for desktop and mobile devices.