About this calculator
Caesar shifts encode and decode with case preserved.
Annuity and differentiated monthly installments, interest breakdown, and amortization schedule.
Calculate PITI (Principal, Interest, Taxes, Insurance), PMI, and accelerated payoff savings.
Visualize compound growth with recurring deposits, annual rate, and investment horizons.
Add or extract Value Added Tax (VAT) with international country presets.
Analyze profitability and percentage return on business capital and investments.
Gross to net salary with income tax, social contributions and deductions, monthly and annual.
Encode and decode shifts.
Caesar shifts encode and decode with case preserved.
Same wheel backwards — pick Decode mode.
Digits and punctuation pass through unchanged.
Shift 13 encodes and decodes itself.