Finance Calculators
Loan, mortgage, tax and payroll calculators. The arithmetic is trivial; the assumptions are not. Whether interest is charged on the original principal or the remaining balance changes the real cost by nearly a factor of two, and most product pages quote the flattering number.
Each calculator states its assumptions on the page so you can check them against the contract.
- China severance pay calculatorEstimate statutory severance pay for a terminated Chinese employment contract, with the triple-average-wage cap, the 12-year limit and the double payment for unlawful dismissal
- Credit card installment real interest rateCalculate the true annualised cost of a credit card instalment plan with IRR. Enter the advertised monthly fee rate, or copy the payment per period straight off your statement and let it work the rate out backwards — showing why a 0.6% monthly fee works out near 13% rather than 7.2%
- High-Dividend Low-Volatility ScreenerScreen 48 blue chips by dividend-yield grid position and technical confluence: the position band shows where the current yield sits inside the stock's own one-year range, technical confluence checks whether daily, weekly and monthly charts all hug the lower Bollinger band while MACD turns bullish. Data from Tencent and Eastmoney public APIs; research only, not investment advice
- Loan CalculatorCalculate the monthly payment and total interest for equal installment, equal principal, interest-first and bullet repayment loans, and output a full amortization schedule.
- Mortgage CalculatorCalculate the monthly payment, total interest and annual repayment schedule for equal installment and equal principal mortgages, and estimate how much interest prepayment saves.
- Nasdaq Sentiment GaugeFive dimensions of Nasdaq market mood - VXN volatility, CNN Fear and Greed, RSI, high-yield credit spread and 200-day moving average deviation - merged into one temperature reading
- Percentage Calculator
- Personal Income Tax CalculatorCalculate annual comprehensive income tax on salary per current rules, including social insurance, housing fund and six special additional deductions, and compare two bonus tax treatments.
- Salary CalculatorEnter your pre-tax monthly salary and social insurance rates to see 12 months of take-home pay, individual and employer social insurance breakdowns and income tax, with reverse calculation of pre-tax salary.
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Common questions
Why is the real rate on an instalment plan so much higher than the quoted one?
The fee is charged on the original amount while the balance shrinks every month. See the instalment calculator for the IRR-based figure.