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Labels and formatting only. No exchange-rate conversion.
Number-entry fields use a decimal point. Formulas, code and source notation keep their required format.
Display only; calculations keep full precision. Currency uses its standard minor units.

Unit changes convert supported measurements, including the current inputs. Tire codes, chemical concentrations, electrical units and supplier dose ratios retain their standard notation. Reference methods can show the original units.

Everyday starting values

Enter your own rates. Changing these defaults updates an open tool only if you have not customized that value. Currency changes keep the entered rates and amounts unchanged.

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Applies to tools with a format or quality choice. PNG ignores quality.

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How it works & what to know

Advanced Mortgage Calculator

Calculate principal and interest for a fixed 30-year home loan with customizable down payment and rate adjustments. Taxes, insurance, and fees are excluded.

Monthly Principal & Interest $0.00
[ADSENSE NATIVE RESPONSIVE SLOT]

Real-Time Document Analytics

Count characters, words, and lines, and estimate reading time at 225 words per minute.

0Words
0Characters
0Lines
0sRead Time

Metric & Imperial Unit Converter

Seamless multi-system value conversions between meters and feet elements instantly.

Strong Password Generator

Generate passwords locally using secure browser randomness. Lowercase letters and every selected character type are included. Longer passwords provide stronger protection.

Generated Password -

Percentage Math Engine

Calculate a percentage of a total value.

% of
Calculated Fraction Value 37.5

Body Mass Index (BMI) Engine

Evaluate biometric weight-to-height index metrics across basic standard operational baselines.

Your Calculated BMI Index 22.9

Understanding your BMI

Body mass index (BMI) relates weight to height. It is a quick screening measure, not a direct measurement of body fat or a diagnosis. Use the number above as a starting point for understanding the calculation, rather than a verdict on your health.

How to use this calculator

Use the units shown beside the fields: kilograms and centimeters in metric mode, or pounds and inches in US mode. Change the unit preference with the settings gear. The calculator updates as you change either value. It calculates the index only: it does not collect age, assess pregnancy, measure body composition or calculate a child’s BMI-for-age percentile.

Check the units before entering measurements. In metric mode, enter 180 for a height of 1.80 meters because the height field uses centimeters. In US mode, enter total inches: 6 feet 5 inches is 77 inches. Do not enter a feet-and-inches expression into a single numeric field. Extra decimal places do not compensate for an inaccurate measurement.

The formula and a worked example

BMI = weight in kilograms ÷ (height in meters × height in meters). The unit is kg/m². Convert centimeters to meters by dividing by 100 before squaring the height.

For an illustrative adult weighing 80 kg at 180 cm: 180 ÷ 100 = 1.80 m; 1.80 × 1.80 = 3.24 m²; 80 ÷ 3.24 = 24.691… kg/m². Rounded to one decimal place, the displayed BMI is 24.7.

Height is squared, so a height-entry error can materially change the answer. The calculation is not a percentage: a BMI of 24.7 does not mean 24.7% body fat. Near a category boundary, remember that a rounded display can hide a small difference in the underlying value.

Interpreting an adult result

The CDC uses these screening categories for adults aged 20 and older. The tool does not determine whether these adult categories are appropriate for the person whose measurements were entered.

  • Below 18.5: underweight.
  • 18.5 to below 25: healthy weight.
  • 25 to below 30: overweight.
  • 30 or higher: obesity; class 1 is 30 to below 35, class 2 is 35 to below 40, and class 3 is 40 or higher.

These labels describe screening ranges, not a complete assessment of an individual. For ages 2–19, use age- and sex-specific BMI percentiles through an appropriate child and teen calculator; this tool does not provide that interpretation.

Where BMI came from

The height–weight relationship traces to the nineteenth-century work of Belgian statistician Adolphe Quetelet. A 1972 paper by Ancel Keys and colleagues helped establish the name “body mass index” and its use for describing relative weight. This background matters: a compact statistical index can be useful for comparing groups while still leaving out important differences between individuals.

The history explains the formula’s role; it does not establish that one number can describe every person’s health. Modern interpretation needs evidence beyond the arithmetic.

Why it is useful—and what it misses

BMI is inexpensive, noninvasive and easy to calculate, making it practical for screening and population comparisons. However, body weight includes muscle, fat and bone. BMI cannot separate them or show where fat is carried. A clinician considers other information, such as blood pressure, cholesterol and examination findings.

Use this tool to understand the measurement and prepare questions about your result. Do not use it alone to choose a target weight, diagnose a condition or prescribe a diet. A change in the displayed number needs context rather than an automatic assumption that health improved or worsened.

Sources and review

Source review: October 27, 2026. Educational explanation; no claim of individualized clinical assessment.

String Case Formatting Tool

Quickly transform textual document casings into standard lower, upper, or sentence configurations.

Loan payment

Plan a fixed-rate loan with a clear monthly payment and total interest.

Use the interactive workspace above for live results. JavaScript is required for calculations; the explanation below remains readable without it.

Method and limits

Monthly amortization: P × r ÷ (1 − (1+r)^−n). Rate is nominal annual interest divided by 12; excludes fees.

Worked example or practical walkthrough

For a $25,000 loan at an illustrative annual interest rate of 6.5% over 60 months, the monthly payment is $489.15. Total interest is $4,349.22 and total paid is $29,349.22, using unrounded payments for the totals.

Before you use the result

Use the interest rate, not a fee-inclusive APR. The estimate assumes a constant rate and equal monthly payments; compare it with your contract and account separately for fees.

Enter the amount borrowed, rate and number of payments

Loan amount is the principal being repaid, not necessarily an item’s purchase price. Subtract a down payment before entering the amount. Use the annual interest rate from your loan terms and enter the term in months: three years is 36 months, four is 48, and five is 60. Results update as you change the inputs.

Compare payment size with total interest

This example holds the amount at $25,000 and the annual interest rate at 6.5%. It changes only the repayment term. These are illustrative assumptions, not current loan offers.

$25,000 at 6.5% with monthly payments and no fees
MonthsMonthly paymentTotal interestTotal paid
36$766.23$2,584.10$27,584.10
48$592.87$3,457.94$28,457.94
60$489.15$4,349.22$29,349.22

Under these assumptions, the longer term lowers the monthly payment while increasing total interest. The calculator computes totals before rounding to cents, so multiplying the displayed payment by the number of months can differ slightly from the displayed total. Actual contracts may adjust the final payment for rounding.

How the calculation works

Let P be the loan principal, r the annual percentage interest rate divided by 1,200, and n the number of monthly payments. Payment = P × r ÷ [1 − (1 + r)−n]. Total paid equals the unrounded payment multiplied by n. Total interest equals total paid minus P.

At 0% interest, payment is simply P ÷ n. A $12,000 loan over 24 months therefore has a $500 monthly payment and zero interest in this model. Zero-interest promotions may have separate conditions or fees that this calculation does not represent.

Interest rate and APR are different inputs

The CFPB distinguishes the interest rate from APR, which includes additional loan fees. This calculator expects the interest rate and excludes fees. Entering APR in its place does not separately model those fees and may not reproduce a lender’s payment. It does not calculate APR.

Use the right tool for the question

For a payment-by-payment breakdown or extra monthly principal, open the amortization schedule. For a home loan with taxes, insurance and HOA costs, use the mortgage calculator. The simple loan tool reports only the scheduled payment, total interest and total paid.

Does this cover every type of loan?

No. It models equal monthly payments at a constant rate with payments at the end of each period. Daily interest, irregular payment dates, changing rates, balloon balances, interest-only periods, fees and lender-specific repayment rules are outside this estimate.

Does changing currency convert the loan?

No. The global currency setting changes labels and formatting. It does not fetch an exchange rate or change the amount you entered.

Reference

CFPB: the difference between a loan interest rate and APR

Reference checked October 27, 2026. Examples explain the model and are not personalized financial advice.

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