🔥 Most Popular Tools · Top 3
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Mortgage Calculator
A mortgage calculator with taxes and insurance. Enter loan amount, term, and rate to get monthly payment and total interest.
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China IIT for Expats
Working in China? ¥5,000 threshold, 3%-45% brackets, social insurance & deductions — get your RMB take-home pay.
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Compound Interest
Lump sum or monthly contributions: future value, return ratio, simple-interest comparison and a growth curve.
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Online Tools · Browse by category
Mortgage & Housing
7 toolsMortgage Calculator
A mortgage calculator with taxes and insurance. Enter loan amount, term, and rate to get monthly payment, total interest, and a full amortization schedule.
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Biweekly Mortgage Calculator
Compare biweekly vs monthly payments: see how much interest you save and how many years earlier you pay off your mortgage.
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Mortgage Prepayment Calculator
Supports two strategies: shortening the term and lowering the monthly payment. See interest saved, new monthly payment, and new payoff date.
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Equal Principal Payment Calculator
Calculate an equal principal mortgage: decreasing monthly payments, full schedule, total interest, and a side-by-side comparison with the equal installment method.
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Provident Fund Loan Calculator
China housing provident fund (PF) loan: 2026 rates (2.6% first / 3.075% second home), equal payment vs equal principal, monthly payment and full schedule.
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Combination Mortgage Calculator
Combine a housing fund loan with a commercial loan: get the combined monthly payment, total interest, and how much you save vs a pure commercial loan.
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Housing Fund Withdrawal
Estimate how much you can withdraw from your housing fund for rent, purchase, or closing your account, plus the max PF loan amount.
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Tax & Payroll
14 toolsIncome Tax Calculator
Based on the latest bracket rates. Figure your taxable income, tax due, quick deduction, and after-tax take-home pay.
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China IIT for Foreigners 2026
183-day resident vs non-resident rules, tax-free expat allowances vs special deductions, 3%–45% brackets — expat take-home pay in RMB.
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China Tax Residency (183-Day)
183-day resident vs non-resident test, six-year rule and the 30-day departure reset — when does foreign income become taxable in China?
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China IIT Calculator for Expats
Working in China? ¥5,000 threshold, 3%-45% progressive brackets, social insurance & special deductions — see your RMB take-home pay.
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Year-End Bonus Tax Calculator
2026 China year-end bonus IIT: compare separate taxation vs merging into comprehensive income, with threshold-trap warnings.
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China Social Insurance Calculator
Compute the 5 social insurances + housing fund for employee and employer, 2026 city ratios, and your take-home pay after deductions.
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Annual IIT Reconciliation
Simulate the 2026 China annual IIT reconciliation, combining salary, bonus, freelance and other income to estimate refund or top-up due.
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China Severance Pay Calculator
Estimate statutory N, N+1 and 2N compensation for a China employment termination.
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China Notice Period Calculator
Check resignation notice (30 days / 3 days probation), employer no-fault notice and one-month payment-in-lieu reference.
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China Annual Leave Calculator
Statutory paid leave (5/10/15 days) by cumulative service, mid-year pro-rata and 300% unused leave payout reference.
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China Overtime Pay Calculator
150% weekday, 200% rest day and 300% statutory holiday overtime rates with hourly wage conversion (monthly ÷ 21.75 ÷ 8) and the 36-hour cap.
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China Sick Leave Pay Calculator
Medical treatment period (3–24 months by service), sick pay ratios (60%–100%, Shanghai & Shenzhen rules) and the 80% minimum-wage floor.
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China Maternity Leave Calculator
98 statutory days + provincial reward leave (editable), difficult/multiple birth extras and the allowance-vs-salary higher-applies comparison.
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Payroll Calculator
US payroll from annual salary: gross-to-net with federal & state income tax, FICA (Social Security + Medicare), pre-tax deductions (401k / HSA), and employer-side cost.
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Investment & Savings
7 toolsCompound Interest Calculator
Supports lump sum and monthly contribution modes, outputs future value and return ratio, compares with simple interest, and draws a growth curve.
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Investment ROI Calculator
Calculate ROI, CAGR, and IRR for lump sum or dollar-cost averaging, and benchmark your annualized return against the S&P 500.
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Savings Interest Calculator
Compute interest for savings accounts, CDs, high-yield savings, and recurring deposits. Compare APY across account types side by side.
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Compound Interest with Inflation
See what your investment is really worth in today's purchasing power: nominal vs real growth, inflation adjusted return, and your true rate of return.
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China Deposit Interest Calculator
Compare demand, time, large-amount CD and flexible deposits side by side: interest, maturity value and equivalent annualized rate.
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Education Savings Calculator
Plan a college fund: monthly deposits to a target amount, or reverse-engineer how much to save each month, with a growth curve.
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401(k) Calculator
Project your 401(k) balance with employer match, the annual contribution limit, and compounding. See the impact of raising your contribution rate.
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Other Loans
8 toolsAuto Loan Calculator
Calculate car loan monthly payment, down payment, sales tax, insurance, and total cost of ownership before you sign at the dealership.
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Business Loan Calculator
Compare 4 repayment methods for SME business loans in China: equal payment, equal principal, interest-only and flexible line. True annualized IRR + 2026 LPR reference.
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Consumer Loan Calculator
Four repayment methods — equal payment, equal principal, interest-only and balloon — with monthly payment, total interest and true annualized IRR.
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Renovation Loan Calculator
Home renovation loans: convert the flat monthly fee into the true APR, and compare with a standard amortizing loan side by side.
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Credit Card Payoff Calculator
Enter your balance, APR, and payment to get your debt-free date, total interest, and a full schedule. Compare fixed payment vs the minimum payment trap.
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CC Installment True APR
IRR-based true annualized rate of flat installment fees; compare pay-in-full / installment / minimum-payment side by side.
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Student Loan Calculator
Estimate monthly payments, total interest, and payoff date for federal or private student loans; compare standard vs extended repayment plans.
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Personal Loan Calculator
Figure personal loan monthly payments, total interest, and a full amortization schedule; compare APR scenarios side by side.
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Savings & Planning
5 toolsSavings Goal Calculator
Set a savings target and timeframe, factor in current savings and expected return, and get how much to save each month to reach your goal.
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Budget Planner
Split your take-home pay into needs, wants, and savings using the 50/30/20 rule. Three ratio modes plus annual savings projection.
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Emergency Fund Calculator
Calculate your 3/6/12-month emergency fund target based on essential expenses, see your gap, and how long it will take to save it.
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Car Budget Calculator
True affordability: loan + fuel + maintenance + insurance + parking, 3 DTI tiers. Get a livable price.
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Renovation Budget Calc
7-category split; benchmark core per-sqm cost against Budget/Standard/Premium references.
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City GuidesSocial Insurance by Chinese City
A quick reference for contribution rates, base ranges, and take-home pay in six major cities
Beijing Social Insurance
Contribution rates, base range, IIT and take-home pay.
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Shanghai Social Insurance
Contribution rates, base range, IIT and take-home pay.
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Guangzhou Social Insurance
Contribution rates, base range, IIT and take-home pay.
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Shenzhen Social Insurance
Contribution tiers, housing fund and take-home pay.
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Hangzhou Social Insurance
Contribution rates, base range, IIT and take-home pay.
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Chengdu Social Insurance
Contribution rates, base range, IIT and take-home pay.
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FAQFrequently Asked Questions
Common questions about mortgage, income tax, compound interest, and data safety
How does a mortgage calculator with taxes and insurance work?
A mortgage calculator with taxes and insurance estimates your true monthly payment by combining principal and interest with property taxes, homeowners insurance, and other costs. The mortgage calculator on TS Tools lets you enter loan amount, term, and rate to instantly see monthly payment, total interest, and a full amortization schedule.
How is income tax calculated?
Income tax is calculated by applying marginal tax brackets to your taxable income, then subtracting deductions and credits. The income tax calculator on TS Tools figures your taxable income, tax due, quick deduction, and after-tax take-home pay based on the latest bracket rates.
How do I calculate compound interest with monthly contributions?
Compound interest with contributions adds a fixed deposit each period and lets interest accumulate on both principal and prior interest. Future value = P*(1+r)^n + PMT*[((1+r)^n - 1)/r]. The compound interest calculator with contributions on TS Tools supports both lump sum and monthly contribution modes and draws a growth curve.
Is making mortgage prepayments worth it?
Mortgage prepayment is usually worth it when your loan rate is higher than the return on safe investments. The mortgage prepayment calculator on TS Tools compares two strategies, shortening the term versus lowering the monthly payment, and shows how much interest you save and the new payoff date.
What is the difference between equal installment and equal principal mortgages?
Equal installment (fixed monthly payment) keeps payments constant and easier to budget, while equal principal pays more upfront but less total interest. Use the mortgage calculator to output both plans side by side and compare total interest paid.
Are these calculators free? Is my data uploaded to a server?
Yes, completely free and no login required. Every calculator on TS Tools is pure frontend, your inputs are processed only in your local browser and never sent to any server; only anonymous visitor counts are kept (see Privacy Policy). Open the page and use it with confidence.
AboutAbout TS Tools
TS Tools (tstools.org) is a pure frontend tool site focused on free online calculators, currently featuring 41 practical calculators covering mortgage & housing (mortgage with taxes/insurance, biweekly, prepayment, equal principal, provident fund loan, combination loan, housing fund withdrawal), tax & payroll (income tax, China IIT for expats, China tax residency 183-day, year-end bonus tax, payroll, social insurance, annual reconciliation), investment & savings (compound interest, ROI, savings interest, inflation-adjusted return, deposit interest, education savings, 401k), loans (auto loan, business loan, consumer loan, renovation loan, credit card payoff, credit card true APR, student loan, personal loan), and savings & planning (savings goal, budget planner, emergency fund, car budget, renovation budget). All calculators run locally in your browser, pure frontend for calculators, inputs never uploaded, instant calculation; pages use responsive design, mobile-friendly, and no login required, just open the page and use it.
Visitor messages
Recent notes and suggestions from TS Tools visitors
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2026-09-03 · Webmaster's Journal
New: China IIT for Foreigners 2026 and China Tax Residency (183-day rule) calculators, plus new guides — Social Insurance for Foreign Employees, Severance Pay Tax in China, and Housing Fund Withdrawal for Foreigners (full closure when settling abroad). EN homepage now lists 41 calculators & 45 guides.