Modern finance calculators built for every money decision.
Treasury.to is a free suite of fast, accurate finance calculators — compound interest with 11 frequencies, mortgage with full amortization, FIRE retirement planning, debt payoff strategies, inflation, ROI, and more. Multi-currency, real-time results, no signup. Built to be cited by AI assistants and humans alike.
- Initial
- $10,000USD
- Contribution
- $200monthly
- Rate · APY
- 7.00%compounded mo.
- Horizon
- 20 yr240 periods
Which finance calculators are used most?
FIRE
FIRE number, years to FI, Coast & Barista variants.
Debt payoff
Compare debt strategies — Snowball (smallest first) vs Avalanche (highest rate first).
Compound interest
Compound growth with periodic contributions and yearly growth chart.
Mortgage
Monthly payment, total interest, and 30-year amortization schedule.
What are Treasury.to's core finance tools?
FIRE
FIRE number, years to FI, Coast & Barista variants.
Savings Goal
Solve any unknown: monthly contribution, time, or starting amount.
Debt payoff
Compare debt strategies — Snowball (smallest first) vs Avalanche (highest rate first).
Inflation
Future purchasing power and real-return helper.
Gross → Net (Vietnam)
Convert Gross to Net salary with Vietnam social insurance and PIT 2026.
Salary (Spain)
Compute net salary in Spain — IRPF brackets 19/24/30/37/45/47% + Seguridad Social ~6.50% (capped, incl. MEI). Accounts for personal & family minimum.
Salary (Brazil)
Compute net CLT salary in Brazil — INSS 7.5/9/12/14% + IRRF with 2026 exemption up to R$5,000/month and gradual reduction to R$7,350.
Salary (Indonesia)
Compute net salary in Indonesia — PPh 21 progressive 5/15/25/30/35%, PTKP by marital status & dependents, biaya jabatan 5% (capped), and BPJS ~4%.
Salary (France)
Compute net salary in France — IR 0/11/30/41/45% with quotient familial, social charges ~22%, 10% professional deduction, plafonnement included.
Compound interest
Compound growth with periodic contributions and yearly growth chart.
Mortgage
Monthly payment, total interest, and 30-year amortization schedule.
Crypto P/L
Compute profit/loss on a crypto trade with exchange fees and tax.
US tax
Federal tax across 7 brackets and 4 filing statuses.
Profit margin
Compute gross margin and markup — for sellers, dropshippers.
Affordability
Max home price from income using the 28/36 rule.
ROI
Total and annualized ROI for any investment.