Hong Kong financial calculator directory
Browse all 34 free tools by topic. Choose a calculation below, or use the decision centres to work through a financial question step by step.
Explore decision centresLoans & Cards
Rule of 78 Early Repayment
Calculate interest rebate and penalty for early repayment of credit card / personal loans.
Credit Card Minimum Payment
See first-month interest and principal, then compare the one-year balance, payoff time and a fixed payment.
Effective APR
Convert a monthly flat rate or quoted instalment into APR from the cash you actually receive.
Debt Consolidation
Compare total interest between repaying multiple card debts separately versus one consolidation loan.
Employee Rights
Severance / Long Service Payment
Calculate compensation under Hong Kong Employment Ordinance, with MPF offset simulation.
Average Daily Wage (ADW) / 713
Calculate ADW from past 12 months' earnings and estimate sick leave, annual leave and statutory holiday pay.
Payment in Lieu of Notice
Calculate notice payment required by employer or employee based on notice period and monthly salary.
Statutory vs Public Holidays
2026 has 15 statutory holidays after Easter Monday was added. Extra general holidays are not automatic cash.
Civil Service Pension / CSPF
Separate estimates for the Old Pension Scheme (OPS), New Pension Scheme (NPS) and CSPF.
Tax & MPF
MPF Contributions
Estimate mandatory MPF for employees or the self-employed, including a bonus in the same period.
MPF Retirement Projection
Project the pot with current relevant-income bands and a net return after fees. 4% is not an official withdrawal rate.
QDAP + TVC Tax Savings
Estimate how much salaries tax falls after the shared HK$60,000 QDAP and TVC deduction, not a refund.
Hong Kong Salaries Tax
Compare progressive and standard tax rates and automatically choose the lower tax.
Personal Assessment Comparison
Compare separate vs personal assessment to find the more tax-efficient option.
MPF Withdrawal at 60/65
Check Hong Kong MPF withdrawal for age 65, early retirement from 60, permanent departure or a small balance, including return-to-work notes.
Investing, FIRE & Retirement
FIRE & Retirement
Keep locked MPF separate, choose a withdrawal rate, and test whether accessible savings last to your planning age.
Savings Goal
Check the deadline shortfall first, then compare the monthly amount at 0% with your assumed savings rate.
Inflation Purchasing Power
Use the C&SD CPI snapshot as a reference, then compare buying power with the real return on a deposit.
Dividend Yield
Work out current yield, yield on cost and how many shares a target income needs. A high yield can be a falling price.
Stock Trading Costs
Estimate brokerage, stamp duty, levies and break-even price for HK stock trades.
Fixed Deposit Interest
Compare compounding frequency, maturity amount, effective APR and inflation-adjusted return.
Fixed Deposit vs High-Interest Savings
Compare fixed deposits with Mortgage Link / virtual bank savings for flexibility and return.
Savings Insurance IRR
Compare guaranteed and illustrated IRR for one surrender year against a deposit, not a brochure multiple.
Retirement Trio / Passive Income
Compare official monthly quotes with living costs. HK Annuity generally needs age 60. Reverse mortgage is a loan.
Old Age Living Allowance Eligibility
Check age, residence, income, assets and conflicting benefits against Hong Kong OALA rules.
Property & Real Estate
Hong Kong Mortgage Calculator
Estimate mortgage payments, total interest and an affordable property price from your deposit, rate, term and income.
HKMC Mortgage Insurance
Calculate high-LTV mortgage insurance premium, 35% discount and monthly change if capitalised.
Mortgage Prepayment Calculator
Compare mortgage prepayment savings, itemised costs, a shorter term or lower payment, and cash left afterwards.
Rent vs Buy
Compare renting and buying after current AVD stamp duty, estimated fees and a selling cost.
Mortgage Refinance Cost
Compare rates, full-term repayments, cash rebates, penalties and legal fees before refinancing.
Net Rental Yield
Work out net yield after RVD rates, Government rent and IRD Property Tax. There is no official typical yield.
Green Form Eligibility & Mortgage
Pre-check the Green Form route, document status and property restriction, then estimate the deposit, monthly payment and total interest.