Financial Calculators & Tools
Universal financial calculators โ pure math, any currency. No country-specific tax data. For country-specific calculators, choose your market above.
Interest & Savings
๐ฐ Interest Calculator
Earn or pay interest. Simple and compound. Compare rates side by side.
๐ Compound Interest Calculator
See how your savings grow โ or find out how much to save for a goal.
๐งฎ Simple Interest Calculator
Calculate interest without compounding. Simple vs compound comparison.
๐ฏ Savings Calculator
How long until you reach your savings goal? Compare account rates.
๐ CD Calculator
Certificate of deposit maturity. CD ladder builder. CD vs savings.
Investing & Time Value of Money
๐ Investment Calculator
Growth projection with contributions. Find how much you need to invest.
๐ฎ Future Value Calculator
What will your money be worth? Lump sum and contributions.
๐ Present Value Calculator
Discount future sums to today. Annuity PV. Rate sensitivity.
๐ฅ FIRE Calculator
When can you retire early? Find your FIRE number and timeline.
๐น NPV Calculator
Net present value, NPV vs IRR, and discount rate sensitivity.
โฑ๏ธ Rule of 72 Calculator
How fast does your money double? Rule of 72 vs exact math.
๐ 4% Rule Calculator
How long will your portfolio last? Safe withdrawal rate stress test.
๐๏ธ Coast FIRE Calculator
When can you stop saving and let compound growth do the rest?
๐ฐ Millionaire Calculator
When will you hit $1M? Compare conservative, moderate, aggressive paths.
Investment & Returns
๐ ROI Calculator
Return on investment โ basic, annualized, and compare multiple investments.
๐ CAGR Calculator
Compound annual growth rate. Reverse targets. Compare growth rates.
๐ IRR Calculator
Internal rate of return for uneven cash flows. IRR vs ROI. NPV profile.
๐ฆ Bond Calculator
Bond pricing, yield to maturity, and current yield vs YTM comparison.
๐ฐ Annuity Calculator
Annuity payout, accumulation, and ordinary vs annuity due comparison.
๐ Inflation Calculator
Purchasing power over time. Future cost. Inflation-adjusted returns.
๐ Interest Rate Calculator
Find the implied rate. APR vs APY conversion. True effective rate.
๐ต Dividend Yield Calculator
Dividend yield, income projection, and DRIP reinvestment compounding.
๐ Stock Return Calculator
Total return with dividends. Annualized CAGR. Benchmark comparison.
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Dollar-Cost Averaging
DCA schedule, DCA vs lump sum, and how volatility benefits DCA.
๐ข Cap Rate Calculator
Capitalization rate, property value from cap rate, compare properties.
๐ช Crypto Profit Calculator
Crypto P&L, portfolio tracker, and exit strategy with fees.
โฟ Bitcoin Return Calculator
What if you invested in Bitcoin? Historical returns and DCA simulator.
๐ Staking Reward Calculator
Crypto staking rewards โ simple vs compounding, compare protocols.
๐ Mutual Fund Calculator
Growth projection, SIP calculator, and fee impact โ how expense ratios erode returns.
๐ ROE Calculator
Return on equity, DuPont breakdown, and compare companies.
๐ Stock Split Calculator
Forward split, reverse split, and cumulative split history.
๐ Options Profit Calculator
Call and put P&L, break-even price, max profit and max loss.
โ ๏ธ Margin Call Calculator
Margin call trigger price, leverage impact, and buffer zone.
๐ P/E Ratio Calculator
Price-to-earnings ratio, compare stocks, forward vs trailing P/E.
๐ Rental Property ROI
Cash-on-cash ROI, total return with appreciation, leveraged vs cash.
๐ค Opportunity Cost Calculator
What are you giving up? Compare options and see compounding impact.
๐ Price-to-Book Calculator
P/B ratio, compare companies, P/B vs P/E โ when to use which.
๐ Dividend Payout Ratio
Payout sustainability, retention ratio, and sustainable growth rate.
๐ Tax-Equivalent Yield
Muni vs taxable bond comparison. Break-even tax rate finder.
๐ Asset Allocation Calculator
Age-based portfolio split, custom allocation, rebalance checker.
๐ Position Size Calculator
Trade size from risk %, stop-loss, and portfolio risk management.
๐ฑ Pip Value Calculator
Forex pip value by lot size, P&L calculator, lot comparison.
๐ Stock Average Calculator
Average cost basis after multiple buys. Break-even price. What-if lots.
๐ฅ Gold Investment Calculator
Gold return projection, physical vs ETF, portfolio allocation impact.
๐ก๏ธ Margin of Safety Calculator
Intrinsic value vs market price, safety margin %, buy/hold/sell signal.
โ๏ธ Mining Profitability Calculator
Hashrate ร reward - electricity. Break-even days. Hardware ROI timeline.
๐ Equity Dilution Calculator
Funding rounds, cap table waterfall, and option pool impact on founders.
๐ MRR/ARR Calculator
Monthly recurring revenue, tier pricing, growth forecast with churn.
๐ Capital Gains Tax Calculator
Tax on investment profit. Short-term vs long-term. After-tax proceeds.
๐๏ธ Financial Freedom Calculator
Freedom score (years of expenses covered), freedom number, timeline.
๐ฐ Estate Value Calculator
Total estate worth: personal + business + insurance. Growth projection.
๐ Enterprise Value Calculator
EV = Market Cap + Debt - Cash. EV/Revenue and EV/EBITDA multiples.
๐ EPS Calculator
Basic EPS, diluted EPS, dilution impact, and EPS growth rate.
๐ Sharpe Ratio Calculator
Risk-adjusted return. Compare investments. Benchmark vs S&P 500.
๐ Market Cap Calculator
Price ร shares, tier classification, fully diluted market cap.
โ๏ธ Lump Sum vs Annuity
$500K now or $3K/mo for 20yr? NPV comparison, break-even rate.
Loans & Payments
๐ณ Payment Calculator
Monthly payment for any loan. Bi-weekly impact. Affordability check.
๐ Amortization Calculator
Full month-by-month schedule. Extra payments. CSV download.
๐ Lease Calculator
Auto lease, equipment lease, and lease vs buy comparison.
โก Debt Payoff Calculator
Snowball vs Avalanche โ find the fastest way out of debt.
๐ฐ Loan Calculator
Monthly payment, total interest, and payoff date for any loan.
โ๏ธ Loan Comparison Calculator
Compare 2-3 loan offers side by side. True cost with fees and effective APR.
Loans & Real Estate
๐ Auto Loan Calculator
Monthly car payment, trade-in value, and financing vs leasing comparison.
๐ณ Credit Card Payoff Calculator
Payoff timeline, minimum vs fixed payments, and balance transfer comparison.
๐ Debt Consolidation Calculator
Combine debts into one loan. See if consolidation saves money.
๐ข Business Loan Calculator
Business loan payment, total cost, and compare multiple loan offers.
๐ Student Loan Calculator
Student loan payoff timeline. Standard vs income-driven. Extra payments.
๐ Debt-to-Income Ratio
Check your DTI ratio. See how lenders view your debt load.
๐ Mortgage Calculator
Monthly mortgage payment. Fixed vs adjustable. Amortization schedule.
โก Mortgage Payoff Calculator
Extra payments, bi-weekly, and lump sum. See years and interest saved.
๐ Refinance Calculator
Should you refinance? Break-even month, total savings, and new payment.
๐ฆ Down Payment Calculator
How much to put down. Monthly savings plan. Down payment vs PMI.
๐ Rent vs Buy Calculator
Compare total costs of renting vs buying, net wealth, break-even year.
๐ House Affordability Calculator
Max home price from your income. Conservative vs stretch scenarios.
๐ฆ HELOC Calculator
Borrowing power, payment schedule, HELOC vs cash-out refi.
๐ Rent Affordability Calculator
Max rent from income (30% rule), roommate split, budget impact.
๐ Car Affordability Calculator
Max car price from income, total cost of ownership, new vs used.
๐ Home Equity Calculator
Current equity and LTV, equity growth projection, accessible equity.
๐ Closing Cost Calculator
Buyer costs, seller costs, and total cash needed to close.
๐ฐ RE Agent Commission
Commission breakdown, negotiate rates, and net proceeds from sale.
๐ฐ Mortgage Points Calculator
Pay upfront to lower your rate. Break-even analysis. Points vs down payment.
๐ Home Renovation ROI
Cost vs value added. Compare projects by ROI. Budget allocation.
๐ Price Per Square Foot
$/sqft or $/sqm, compare properties, sqftโsqm converter.
๐ Prorated Rent Calculator
Partial month rent, move-in/out totals, method comparison.
๐ฐ Rental Income Calculator
Monthly cash flow, NOI, cash-on-cash return, 5-year projection.
๐ Rent Increase Calculator
Increase analysis, compound over years, rent increase vs inflation.
Income & Business
๐ฐ Freelance Rate Calculator
What hourly rate do you actually need? Most freelancers undercharge.
โ๏ธ Contractor vs Employee
$120K salary vs $80/hr contract โ which actually pays more?
โ๏ธ Cost of Living Calculator
Compare job offers across 85+ cities worldwide.
๐ฑ Subscription Cost Calculator
Your subscriptions cost more than you think. See the opportunity cost.
๐ Salary to Hourly Calculator
Convert annual salary to hourly rate โ or compare two job offers.
๐ธ Cash Flow Calculator
Personal and business cash flow. Monthly projection with growth.
โ๏ธ WACC Calculator
Weighted average cost of capital. Component breakdown. Sensitivity.
๐ผ Commission Calculator
Basic, tiered, and OTE commission. Sales rep earnings breakdown.
โฑ๏ธ Real Hourly Wage Calculator
Your true rate after commute, prep, and unpaid overtime.
๐ฅ Burn Rate Calculator
Startup runway, revenue growth path, and break-even date.
๐ EBITDA Calculator
Calculate EBITDA, implied valuation, and margin benchmarks.
๐ CLV Calculator
Customer lifetime value with churn, LTV:CAC ratio, payback period.
๐ Debt-to-Equity Ratio Calculator
D/E ratio, industry benchmarks, and what-if debt/equity modeling.
๐ Working Capital Calculator
Current ratio, quick ratio, cash ratio, and what-if analysis.
๐ ROAS Calculator
Return on ad spend, break-even ROAS, and campaign comparison.
๐ CPM Calculator
Cost per mille, campaign budget planner, and CPM comparison.
๐ Churn Rate Calculator
Customer and revenue churn, retention curve, cohort analysis.
๐ Conversion Rate Calculator
Conversion rate, A/B test significance, and funnel drop-off analysis.
๐งพ Invoice Calculator
Line items, tax, discounts, and payment terms. Generate totals instantly.
โฑ๏ธ Billable Hours Calculator
Project invoice total, utilization rate, and annual revenue projection.
๐ Profit & Loss Calculator
Full income statement: gross, operating, net profit. Margin analysis.
๐ CPA Calculator
Cost per acquisition, target budget, and CPA vs CLV profitability.
๐ฐ Business Valuation Calculator
Revenue multiple, EBITDA multiple, and DCF analysis. Industry multiples.
๐ฆ Inventory Turnover Calculator
Turnover ratio, days to sell, and industry benchmarks.
๐ฐ Payroll Cost Calculator
True employee cost: salary + taxes + benefits + overhead. Cost multiplier.
๐ Effective Tax Rate Calculator
Actual tax rate vs marginal bracket. Progressive tax curve.
๐ CPC Calculator
Cost per click, budget planner, CPC vs CPM vs CPA comparison.
๐ LTV:CAC Ratio Calculator
Unit economics dashboard: LTV, CAC, ratio, payback period.
โ๏ธ Salary Comparison Calculator
Compare two job offers after COL, tax, and total compensation.
๐ DSO Calculator
Days sales outstanding, AR trend analysis, industry benchmarks.
๐ Cash Conversion Cycle
DSO + DIO - DPO. Timeline visual. Working capital freed.
๐ Tax Refund Calculator
Refund or owe? Withholding check. Opportunity cost of over-withholding.
Business, Salary & Wealth
๐ Break-Even Calculator
Units to break even, minimum price, and what-if sensitivity analysis.
๐ฒ Markup Calculator
Markup from cost, margin from price, and markup vs margin comparison.
๐งพ Sales Tax Calculator
Add tax to a price, remove tax from a receipt, compare rates.
๐ท๏ธ VAT Calculator
Add or remove VAT, calculate net VAT payable for business returns.
๐ Depreciation Calculator
Straight-line, declining balance, and compare depreciation methods.
โฑ๏ธ Payback Period Calculator
Simple and discounted payback period. Compare multiple projects.
โฐ Overtime Calculator
Weekly overtime earnings, hour breakdown, and monthly projections.
๐ฐ Net-to-Gross Calculator
Convert net to gross, gross to net, and compare deduction scenarios.
๐ Pay Raise Calculator
New salary after raise, compare offers, inflation-adjusted value.
๐ฆ Net Worth Calculator
Assets minus liabilities, growth projection, and milestone tracker.
๐๏ธ Retirement Calculator
Project your retirement savings, map income streams, find the gap.
๐ Budget Calculator
50/30/20 budget, custom budget, and what's left after spending.
๐ College Cost Calculator
Total college cost, funding plan, and how much to save monthly.
๐ก๏ธ Emergency Fund Calculator
Risk-based target (3-12 months), savings plan, where to keep it.
๐ Wedding Cost Calculator
Total budget, category breakdown, and custom budget allocator.
๐ถ Baby Cost Calculator
First year cost, category breakdown, and 0-5 year projection.
๐ฆ Moving Cost Calculator
DIY vs professional, hidden costs checklist, total estimate.
๐ก๏ธ Life Insurance Needs Calculator
DIME method coverage, term vs whole life, premium comparison.
๐ฐ Pension Calculator
Defined benefit estimate, lump sum vs annuity, total retirement income.
๐ Savings Rate Calculator
Your savings rate vs benchmarks. Years to financial independence.
โ๏ธ Vacation Budget Calculator
Trip budget by tier, daily breakdown, and savings plan.
๐พ Pet Cost Calculator
Annual pet expenses, first-year setup cost, and lifetime total.
๐ Tax Bracket Calculator
Tax at each bracket level. Waterfall visual. Marginal vs effective rate.
๐๏ธ Inheritance Tax Calculator
Estate tax with exemption, progressive brackets, gifting strategies.
๐ Credit Score Impact Calculator
Simulate score changes: pay down debt, open new card, close account.
๐ฏ Sinking Fund Calculator
Multiple savings goals simultaneously. Envelope method dashboard.
Everyday Math
๐ข Percentage Calculator
Calculate X% of Y, find what percent X is of Y, or percentage change.
๐ท๏ธ Discount Calculator
Final price after one or two stacked discounts.
๐ Profit Margin Calculator
Calculate margin from revenue โ or find the price from markup.
๐ฝ๏ธ Tip Calculator
Calculate tip and split the bill evenly.
๐ข Percentage Change Calculator
Calculate percentage change, increase, or decrease between values.
โฝ Fuel Cost Calculator
Trip fuel cost, vehicle comparison, and annual fuel spending.
๐ฑ Exchange Rate Margin Calculator
Find hidden bank fees on currency exchange. Compare providers.
๐ท๏ธ Unit Price Calculator
Compare products by cost per unit. Find the best deal. Bulk savings.
๐ Car Depreciation Calculator
Future resale value, depreciation curve, and compare models.
โก Electricity Cost Calculator
Appliance running cost, whole home estimate, efficiency comparison.
๐ค Number to Words
Convert numbers to words, check format, multi-language.