Finance Calculators Comparison
All 218 Finance calculators in one comparison table, with the formula and a worked example for each.
What you can work out with these calculators
These calculators cover the money maths that decides most household outcomes: what a loan really costs, what a deposit grows into, and what a tax bill leaves behind. Every result shows the formula inputs it used, so you can change one number and see exactly which part of the answer moved.
- Build a full amortisation schedule — payment, interest split and total cost — for any loan, mortgage or car finance deal.
- Compare two borrowing options side by side instead of comparing only the headline interest rate.
- Project savings and investments with compound growth, regular contributions and a stated rate.
- Work out tax, take-home pay and the break-even point between alternatives such as renting and buying.
Compare calculators by what you enter
All 218 calculators here, one row each: what each tool works out and the fields it asks for before it does. Open any row to use the calculator itself.
| Calculator | What it works out | What you enter |
|---|---|---|
| Loan EMI Calculator | Solve for payment, loan amount, rate or term — with interest-only mode & day-count convention | Solve For · Loan Amount · Interest Rate (% per year) · Loan Term (years) · Payment per Period (for solve modes) |
| Mortgage Calculator | Mortgage — solve for payment, home price, rate or term — with interest-only mode & DCC | Solve For · Home Price · Down Payment · Interest Rate (% per year) · Loan Term (years) |
| Compound Interest Calculator | Compound growth with contributions — solve for amount, principal, rate or time | Solve For · Principal Amount · Annual Rate (%) · Time (years) · Target Amount (for solve modes) |
| Simple Interest Calculator | Solve for interest, principal, rate or time | Solve For · Principal · Rate (% per year) · Time (years) · Interest Amount (for solve modes) |
| Auto Loan Calculator | Car loan — solve for payment, term or rate — with interest-only & DCC | Solve For · Vehicle Price · Down Payment · Rate (% per year) · Term (years) |
| Credit Card Payoff | Credit card payoff — solve for payoff time, payment needed, rate, or balance | Solve For · Current Balance · APR (%) · Monthly Payment · Desired Payoff Time (months, for solve modes) |
| Retirement Calculator | Retirement calculator — solve for final amount, monthly contribution, time, or required rate | Solve For · Current Savings · Monthly Contribution · Annual Return (%) · Years to Retirement |
| Investment Calculator | Investment calculator — solve for future value, initial investment, rate, or time | Solve For · Initial Investment · Annual Return (%) · Time Period (years) · Target Amount (for solve modes) |
| Savings Goal Calculator | Savings goal — solve for monthly contribution, target, time, or required rate | Solve For · Savings Goal · Time (years) · Annual Return (%) · Monthly Contribution (for solve modes) |
| Income Tax Calculator | Calculate income tax with deductions | Annual Income · Tax Rate (%) · Deductions |
| Sales Tax Calculator | Calculate sales tax on purchases | Purchase Amount · Tax Rate (%) |
| NPV Calculator | Net present value of cash flows | Discount Rate (%) · Cash Flows (comma separated) |
| IRR Calculator | Internal rate of return | Cash Flows (comma separated) |
| ROI Calculator | Return on investment | Investment Cost · Current Value |
| Tip Calculator | Calculate tip and split bill | Bill Amount · Tip (%) · Number of People |
| Salary Calculator | Calculate annual salary breakdown | Hourly Rate · Hours/Week · Weeks/Year |
| Annuity Calculator | Calculate annuity payments | Present Value · Rate (%) · Years |
| Inflation Calculator | Calculate inflation impact on purchasing power | Amount · Inflation Rate (%) · Years |
| Bond Calculator | Calculate bond yield to maturity | Face Value · Coupon Rate (%) · Current Price · Years to Maturity |
| Debt-to-Income Ratio | Calculate DTI ratio | Monthly Income · Monthly Debts |
| Net Worth Calculator | Calculate your net worth | Total Assets · Total Liabilities |
| Rent vs Buy Calculator | Should you rent or buy a home? | Monthly Rent · Home Price · Mortgage Rate (%) · Years |
| Refinance Calculator | Should you refinance your mortgage? | Current Balance · Current Rate (%) · New Rate (%) · Remaining Years |
| Home Affordability Calculator | How much home can you afford? | Annual Income · Down Payment · Rate (%) · Term (years) |
| Currency Converter | Convert between 150+ currencies with live rates | Amount · From · To |
| Loan Qualification | Check loan eligibility | Monthly Income · Monthly Debts · Rate (%) · Term (years) |
| Paycheck Calculator | Calculate take-home pay | Gross Annual · Tax Rate (%) · Benefits/Deductions |
| Break-Even Calculator | Calculate break-even point | Fixed Costs · Price per Unit · Variable Cost/Unit |
| Cash Flow Calculator | Project cash flow over time | Monthly Income · Monthly Expenses · Months |
| Markup Calculator | Calculate price markup | Cost · Markup (%) |
| Discount Calculator | Calculate sale price after discount | Original Price · Discount (%) |
| Present Value Calculator | Present value — solve for present value, future value, discount rate, or time | Solve For · Future Value · Discount Rate (%) · Years · Present Value (for solve modes) |
| Future Value Calculator | Future value — solve for future value, present value, rate, or time | Solve For · Present Value · Rate (%) · Years · Future Value (for solve modes) |
| Amortization Schedule | Full amortization schedule with breakdown | Loan Amount · Rate (%) · Years |
| Loan-to-Value Ratio | Calculate LTV ratio | Loan Amount · Property Value |
| APR Calculator | Calculate annual percentage rate | Loan Amount · Fees · Nominal Rate (%) · Term (years) |
| Capital Gains Tax | Calculate capital gains tax | Purchase Price · Sale Price · Tax Rate (%) |
| Dividend Calculator | Calculate dividend income | Number of Shares · Dividend/Share · Reinvest Rate (%) |
| FIRE Calculator | Financial independence number | Annual Expenses · Current Savings · Return (%) · Monthly Saving |
| Social Security Calculator | Estimate social security benefits | Average Annual Income · Years Worked |
| Rental Yield Calculator | Calculate rental yield | Property Price · Monthly Rent · Annual Costs |
| Loan Comparison | Compare multiple loan offers | Loan Amount · Offer 1 Rate (%) · Offer 1 Term · Offer 2 Rate (%) · Offer 2 Term |
| Investment Growth Comparison | Compare different investment strategies | Initial Investment · Conservative (%) · Moderate (%) · Aggressive (%) · Years |
| Savings Account Comparison | Compare savings account rates | Deposit Amount · Bank 1 Rate (%) · Bank 2 Rate (%) · Years |
| Mortgage Payoff Calculator | Calculate early mortgage payoff savings | Loan Amount · Rate (%) · Original Term · Extra Monthly Payment |
| Graduated Payment Mortgage | Calculate GPM payments | Loan Amount · Rate (%) · Term (years) · Annual Growth (%) |
| Balloon Payment Calculator | Calculate balloon mortgage payment | Loan Amount · Rate (%) · Amortization (years) · Balloon After (years) |
| Interest-Only Mortgage | Calculate interest-only payments | Loan Amount · Rate (%) · IO Period (years) · Total Term (years) |
| Emergency Fund Calculator | Calculate how much you need in your emergency fund | Monthly Expenses ($) · Months to Cover · Currently Saved ($) · Monthly Contribution ($) |
| Bond Yield to Maturity | Calculate bond yield to maturity and current yield | Face Value ($) · Coupon Rate (%) · Current Price ($) · Years to Maturity |
| Retirement Income Calculator | Estimate monthly retirement income from savings | Current Savings ($) · Monthly Contribution ($) · Expected Return (%) · Years Until Retirement · Retirement Duration (years) |
| SIP Calculator (Systematic Investment Plan) | Calculate returns on regular mutual fund investments | Monthly Investment ($) · Expected Annual Return (%) · Investment Period (years) |
| Crypto Profit Calculator | Calculate profit/loss on cryptocurrency investments | Buy Price ($) · Sell Price ($) · Quantity (coins) · Total Fees ($) |
| Stock Profit Calculator | Calculate profit/loss on stock trades including commissions | Number of Shares · Buy Price ($) · Sell Price ($) · Commission per Trade ($) |
| DCA Calculator (Dollar Cost Average) | Show benefits of dollar-cost averaging vs lump sum | Lump Sum ($) · Monthly DCA ($) · Number of Months · Annual Return (%) |
| College Cost Calculator | Project future college costs and savings needed | Current Tuition ($) · Years Until College · Tuition Inflation (%) · Already Saved ($) · Return on Savings (%) |
| Perpetuity Calculator | Calculate present value of perpetual cash flows | Payment per Period ($) · Discount Rate (%) · Growth Rate (%) (0 for flat) |
| ESOP Calculator (Employee Stock Ownership) | Calculate value of employee stock options | Strike Price ($) · Current Stock Price ($) · Number of Options · Tax Rate (%) |
| US Federal Income Tax Calculator | Estimate US federal income tax with marginal brackets (2026) | Annual Income ($) · Filing Status · Standard Deduction ($) |
| UK Income Tax Calculator | Estimate UK income tax + National Insurance (2026) | Annual Salary (£) · Pension Contribution (%) · Student Loan Plan |
| Canada Income Tax Calculator | Estimate Canadian federal + provincial income tax (2026) | Annual Income (CAD) · Province |
| Australia Income Tax Calculator | Estimate Australian income tax + Medicare levy (2026) | Annual Income (AUD) · Salary Sacrifice Super (%) |
| Bond Price Calculator | Calculate present value of a bond | Face Value · Coupon Rate (%) · Market Yield (%) · Years to Maturity |
| CD Interest Calculator | Certificate of Deposit compound interest | Deposit Amount · APY (%) · Term (years) · Compounding |
| Annuity Payout Calculator | Sustainable withdrawal from retirement fund | Retirement Fund · Annual Return (%) · Payout Years |
| Dividend Yield Calculator | Calculate dividend yield and payout ratio | Annual Dividend ($) · Share Price ($) |
| Rule of 72 Calculator | Estimate doubling time for investments | Annual Return (%) |
| Loan Payoff Calculator | Calculate months to pay off with extra payments | Loan Balance · Annual Rate (%) · Monthly Payment · Extra Payment |
| Retirement Withdrawal Calculator | 4% rule and custom withdrawal rate | Retirement Fund ($) · Withdrawal Rate (%) · Annual Return (%) · Retirement Years |
| Inflation Adjusted Return | Calculate real return after inflation | Nominal Return (%) · Inflation Rate (%) |
| Tax Equivalent Yield | Compare muni bonds to taxable bonds | Municipal Bond Yield (%) · Your Tax Rate (%) |
| 529 Plan Calculator | Education savings growth projections | Current Balance · Monthly Contribution · Annual Return (%) · Years Until College |
| Times Interest Earned | Ability to pay interest expenses | EBIT ($) · Interest Expense ($) |
| Quick Ratio Calculator | Acid-test ratio for liquidity | Cash & Equivalents · Accounts Receivable · Current Liabilities |
| EBITDA Calculator | Earnings before interest, taxes, depreciation | Revenue · COGS · Operating Expenses · Depreciation · Amortization |
| Enterprise Value Calculator | Total value of a company | Market Cap ($) · Total Debt ($) · Cash & Equivalents ($) · Minority Interest ($) · Preferred Equity ($) |
| WACC Calculator | Weighted Average Cost of Capital | Market Value of Equity ($) · Market Value of Debt ($) · Cost of Equity (%) · Cost of Debt (%) · Tax Rate (%) |
| Sharpe Ratio Calculator | Risk-adjusted return metric | Portfolio Return (%) · Risk-Free Rate (%) · Portfolio Std Dev (%) |
| Geometric Mean Return | Compound annual growth rate of returns | Annual Returns (comma sep %) |
| Debt Snowball Calculator | Pay off smallest debts first strategy | Debts (balance,rate,minPayment comma sep) · Extra Monthly Budget |
| Payday Loan Cost Calculator | True annualized cost of payday loans | Loan Amount ($) · Fee per $100 ($) · Days Until Payday |
| Emergency Fund Growth | How emergency savings grow in HYSA | Monthly Deposit ($) · APY (%) · Months |
| Property Tax Calculator | Annual property tax estimate | Property Value ($) · Tax Rate (%) |
| Closing Costs Calculator | Estimate total closing costs for home purchase | Home Price ($) · Down Payment (%) · Mortgage Rate (%) · Discount Points |
| Cap Rate Calculator | Capitalization rate for real estate | Net Operating Income ($) · Property Value ($) |
| Student Loan Repayment | Standard repayment plan calculator | Loan Balance ($) · Interest Rate (%) · Repayment Term (yrs) |
| Cost of Debt Calculator | After-tax cost of borrowing | Pre-tax Interest Rate (%) · Tax Rate (%) |
| FHA Loan Calculator | FHA mortgage with MIP insurance | Home Price ($) · Down Payment (%) · Interest Rate (%) · Loan Term (yrs) |
| VA Loan Calculator | VA mortgage with no down payment | Home Price ($) · Interest Rate (%) · Loan Term (yrs) · Funding Fee (%) |
| Reverse Mortgage Calculator | Home equity conversion for retirees | Home Value ($) · Borrower Age · Interest Rate (%) · Draw Period (yrs) |
| House Affordability Calculator | Max home price based on income and debts | Annual Gross Income ($) · Monthly Debt Payments ($) · Down Payment ($) · Mortgage Rate (%) · Max DTI (%) |
| Mortgage Refinance Calculator | Savings from refinancing your mortgage | Current Loan Balance ($) · Current Rate (%) · New Rate (%) · New Term (yrs) · Closing Costs ($) |
| Crypto Gains Calculator | Profit/loss on cryptocurrency trades | Buy Price ($) · Sell Price ($) · Quantity (coins) · Trading Fee (%) |
| P/E Ratio Calculator | Price-to-earnings ratio for stocks | Share Price ($) · Earnings Per Share ($) |
| Dividend Discount Model | Stock value from future dividends | Annual Dividend ($) · Dividend Growth (%) · Required Return (%) |
| Margin Call Price Calculator | Price at which margin call triggers | Buy Price ($) · Maintenance Margin (%) |
| Black-Scholes Option Pricing | European option price model | Spot Price ($) · Strike Price ($) · Risk-Free Rate (%) · Volatility (%) · Time to Expiry (years) |
| Bond Duration Calculator | Macaulay duration of a bond | Face Value ($) · Coupon Rate (%) · Yield to Maturity (%) · Years to Maturity |
| Growing Perpetuity Calculator | PV of payments growing at constant rate | Next Payment ($) · Growth Rate (%) · Discount Rate (%) |
| Tax Loss Harvesting | Offset capital gains with losses | Capital Gains ($) · Capital Losses ($) · Tax Rate (%) |
| Savings Rate Calculator | What percentage of income you save | Monthly Take-Home ($) · Amount Saved ($) |
| 50/30/20 Budget Calculator | Split income into needs/wants/savings | Monthly Take-Home ($) |
| Car Lease Payment Calculator | Monthly lease payment estimation | MSRP ($) · Capitalized Cost ($) · Residual Value (%) · Money Factor (×1000) · Lease Term (months) |
| Cost of Living Calculator | Compare costs between two cities | Current Salary ($) · City A Cost Index · City B Cost Index |
| Debt Consolidation Calculator | Compare consolidation loan to multiple debts | Current Debts (balance,rate,monthly semicolon) · Consolidation Rate (%) · New Term (months) |
| Yield to Maturity Calculator | YTM approximation for bonds | Face Value ($) · Coupon Rate (%) · Market Price ($) · Years to Maturity |
| Gross Rent Multiplier | Property price divided by gross annual rent | Property Price ($) · Monthly Rent ($) |
| Current Ratio Calculator | Current assets divided by current liabilities | Current Assets ($) · Current Liabilities ($) |
| AR Turnover Ratio | How quickly receivables are collected | Net Credit Sales ($) · Average Accounts Receivable ($) |
| Operating Margin Calculator | Operating income as percentage of revenue | Revenue ($) · Operating Income ($) |
| Net Profit Margin | Net income as percentage of revenue | Revenue ($) · Net Income ($) |
| Debt Coverage Ratio | NOI divided by debt service | Net Operating Income ($) · Annual Debt Service ($) |
| Home Equity Calculator | Equity in your property | Current Home Value ($) · Mortgage Balance ($) · HELOC Balance ($) |
| Cash-on-Cash Return | Annual pre-tax cash flow / total cash invested | Annual Pre-Tax Cash Flow ($) · Total Cash Invested ($) |
| Loan Balance Calculator | Remaining balance after payments | Original Loan ($) · Annual Rate (%) · Monthly Payment ($) · Payments Made |
| Price-to-Rent Ratio | Compare buying vs renting in a market | Median Home Price ($) · Annual Rent ($) |
| Credit Score Simulator | Estimate score impact from actions | Current Score · Credit Utilization (%) · Target Utilization (%) · Hard Inquiries (add) |
| Discounted Payback Period | Time to recover investment at discount rate | Initial Investment ($) · Annual Cash Flows (comma sep) · Discount Rate (%) |
| Portfolio Return Calculator | Weighted return of multiple investments | Weights (comma sep %) · Returns (comma sep %) |
| Payroll Tax Calculator | FICA + Medicare tax on wages | Gross Wages ($) |
| Standard vs Itemized Deduction | Which deduction method saves more tax | Filing Status · SALT ($) · Mortgage Interest ($) · Charitable Donations ($) · Medical (above 7.5% AGI) |
| Home Office Deduction | Simplified vs actual method | Office Square Feet · Total Home Sq Ft · Monthly Rent/Mortgage ($) · Monthly Utilities ($) · Method |
| Estimated Tax Calculator | Quarterly estimated tax payments | Expected Annual Income ($) · Deductions ($) · Filing Status · Self-Employment Tax ($) |
| Portfolio Diversification | How diversified is your investment mix | Stocks ($) · Bonds ($) · Real Estate ($) · Cash ($) · Crypto ($) |
| Forex Pip Calculator | Value of a pip in forex trading | Currency Pair · Lot Size · Account Currency |
| Currency Arbitrage Detector | Check for triangular arbitrage opportunities | Rate A→B · Rate B→C · Rate C→A |
| Simple Payback Period | Years to recover initial investment | Initial Investment ($) · Annual Cash Return ($) |
| T-Bill Calculator (Price & Yield) | Treasury bill discount yield and price (US 360-day convention) | Calculate · Face Value ($) · Days to Maturity · Discount Rate % · Market Price ($) |
| CAGR Calculator | Compound annual growth rate of an investment | Beginning Value ($) · Ending Value ($) · Years |
| CAPM Calculator | Expected return via the capital asset pricing model | Risk-Free Rate (%) · Beta (β) · Market Return (%) |
| DCF Valuation Calculator | Discounted cash flow with terminal value | Cash Flows (comma, years 1..n) · Discount Rate (%) · Terminal Growth (%) |
| Debt-to-Equity Ratio | Leverage ratio: liabilities divided by shareholders equity | Total Liabilities ($) · Shareholders Equity ($) |
| Step-Up SIP Calculator | SIP with annual contribution increase | Starting Monthly Investment ($) · Annual Step-Up (%) · Expected Return (%) · Investment Period (yrs) |
| FD vs RD Calculator | Compare lump-sum FD vs monthly RD on the same budget | Monthly Savings ($) · Tenure (yrs) · Interest Rate (%) |
| Insurance Surrender Value | Guaranteed surrender value of a life policy | Annual Premium ($) · Years Premiums Paid · Accrued Bonus ($) |
| ESPP Calculator (Stock Purchase Plan) | Employee stock purchase plan discount and gain | Annual Salary ($) · Contribution per Period (%) · Offering Period (months) · Purchase Discount (%) · Price at Period Start ($) |
| Roth vs Traditional 401(k) | Compare after-tax retirement outcomes | Annual Contribution ($) · Current Marginal Tax (%) · Retirement Tax Rate (%) · Years to Retirement · Annual Return (%) |
| Mortgage Recast Calculator | New payment after a lump-sum principal payment | Current Balance ($) · Rate (%) · Years Remaining · Lump-Sum Principal Payment ($) |
| Biweekly Mortgage Calculator | Save by paying half your mortgage every two weeks | Loan Amount ($) · Rate (%) · Loan Term (years) |
| Mortgage Points Calculator | Do discount points pay off? Break-even analysis | Loan Amount ($) · Base Rate (%) · Points (as % of loan) · Rate After Points (%) · Planned Years in Home |
| Rent Affordability Calculator | How much rent can you afford? | Monthly Gross Income ($) · Monthly Debt Payments ($) · Budget Rule |
| Dividend Reinvestment Calculator | DRIP growth with reinvested dividends | Initial Investment ($) · Dividend Yield (%) · Price Growth (%) · Years · Monthly Contribution ($) |
| Stock Split Calculator | New share count and price after a split | Shares Owned · Price per Share ($) · Split Ratio A (e.g. 2) · Split Ratio B (e.g. 1) |
| Earnings Per Share Calculator | Basic EPS from net income and share count | Net Income ($) · Preferred Dividends ($) · Common Shares Outstanding |
| Book Value Per Share Calculator | BVPS from shareholder equity | Shareholders' Equity ($) · Preferred Equity ($) · Common Shares Outstanding |
| NOI Calculator | Net operating income for income properties | Gross Rental Income ($/yr) · Vacancy & Losses (%) · Operating Expenses ($/yr) |
| Credit Utilization Calculator | Your revolving utilization ratio | Total Card Balances ($) · Total Credit Limits ($) |
| APY Calculator | Effective annual yield from a nominal rate | Nominal Rate (%) · Compounding · Principal ($) · Years |
| Lump Sum vs SIP Calculator | Compare one-time investing against monthly SIP | Lump Sum Amount ($) · Monthly SIP ($) · Expected Annual Return (%) · Investment Period (years) |
| PMI Calculator | Private mortgage insurance estimate | Home Price ($) · Down Payment (%) · Annual PMI Rate (%) |
| Pension Lump Sum vs Annuity Calculator | Compare a pension payout against a lump sum | Monthly Pension Payment ($) · Expected Payout Years · Discount Rate (%) · Lump Sum Offered ($) |
| Prorated Rent Calculator | Fair rent owed for a partial month of occupancy | Monthly Rent ($) · Occupied Days · Days in Month |
| Days Sales Outstanding (DSO) | Average days to collect payment after a credit sale | Accounts Receivable ($) · Credit Sales ($) for the Period · Period Length (days) |
| Dividend Payout Ratio Calculator | Share of earnings paid out as dividends | Dividend Per Share ($) · Earnings Per Share ($) |
| Market Capitalization Calculator | Company value from share price and shares outstanding | Share Price ($) · Shares Outstanding |
| Sortino Ratio Calculator | Return per unit of downside risk | Portfolio Return (%) · Risk-Free Rate (%) · Downside Deviation (%) |
| Maximum Drawdown Calculator | Largest peak-to-trough decline of an investment | Peak Value ($) · Trough Value ($) |
| Zero Coupon Bond Value Calculator | Present value of a bond sold at a discount | Face Value ($) · Yield (%) · Years to Maturity |
| CD Ladder Calculator | Laddered certificates of deposit for rate and liquidity | Total to Invest ($) · Number of CDs · Average APY (%) |
| I Bond Value Calculator | Growth of a Series I savings bond at its composite rate | Purchase Amount ($) · Composite Rate (%) · Years Held |
| Put-Call Parity Calculator | Consistency check between call and put prices | Call Price ($) · Put Price ($) · Strike ($) · Spot Price ($) · Risk-Free Rate (%) |
| Risk-Reward Ratio Calculator | Reward earned per unit of risk on a trade | Entry Price ($) · Stop-Loss Price ($) · Target Price ($) |
| Position Size Calculator | Share count from account risk and stop distance | Account Size ($) · Risk Per Trade (%) · Entry Price ($) · Stop-Loss Price ($) |
| Stop-Loss Calculator | Exit price from a trailing or fixed stop percentage | Entry Price ($) · Stop Distance (%) · Direction (1=long, 0=short) |
| Average Cost Basis Calculator | Blended cost across multiple purchases | First Quantity · First Price ($) · Second Quantity · Second Price ($) |
| Dollar Cost Average Calculator | Average price paid across scheduled buys | Amount Per Buy ($) · Prices Paid (comma separated) |
| Staking Rewards Calculator | Compounded staking yield over time | Staked Amount (coins) · Staking APR (%) · Years |
| Kelly Criterion Calculator | Optimal bet size for a positive-edge wager | Win Probability (%) · Win/Loss Ratio |
| Value at Risk (VaR) Calculator | Potential loss at a chosen confidence level | Portfolio Value ($) · Daily Volatility (%) · Z-Score (2.33 = 99%) · Horizon (days) |
| EV/EBITDA Calculator | Valuation multiple based on enterprise value | Enterprise Value ($) · EBITDA ($) |
| PEG Ratio Calculator | P/E adjusted for expected earnings growth | P/E Ratio · Expected Growth Rate (%/yr) |
| Free Cash Flow Calculator | Cash left after operations and capital spending | Operating Cash Flow ($) · Capital Expenditure ($) |
| Interest Coverage Ratio Calculator | Earnings available to pay interest expense | EBIT / Operating Income ($) · Interest Expense ($) |
| Asset Turnover Calculator | Revenue generated per dollar of assets | Revenue ($) · Total Assets ($) |
| Runway Calculator | Months of cash left at the current burn rate | Cash on Hand ($) · Monthly Burn ($) |
| Effective Tax Rate Calculator | Average tax rate on total income | Total Tax Paid ($) · Total Income ($) |
| Quarterly Estimated Tax Calculator | Quarterly payment for freelancers and contractors | Expected Annual Income ($) · Combined Tax Rate (%) · Already Withheld ($) |
| Late Payment Interest Calculator | Interest owed on an overdue invoice | Invoice Amount ($) · Annual Interest Rate (%) · Days Overdue |
| Invoice Factoring Calculator | Cash received when factoring receivables | Invoice Value ($) · Advance Rate (%) · Factoring Fee (%) |
| Royalty Payment Calculator | Royalties from a percentage of sales | Sales Revenue ($) · Royalty Rate (%) |
| Franchise Cost Calculator | Total investment to open a franchise | Franchise Fee ($) · Buildout & Leasehold ($) · Equipment & Inventory ($) · Working Capital ($) |
| Food Cost Percentage Calculator | Menu item cost as a share of its price | Plate Cost ($) · Menu Price ($) |
| Menu Pricing Calculator | Price needed for a target food-cost percentage | Plate Cost ($) · Target Food Cost (%) |
| Required Minimum Distribution Calculator | RMD amount from a retirement account balance | Account Balance ($ as of Dec 31) · Age at Year End |
| HSA Growth Calculator | Health savings account growth with annual contributions | Current Balance ($) · Annual Contribution ($) · Expected Return (%) · Years |
| Safe Withdrawal Rate Calculator | Sustainable yearly withdrawal from a portfolio | Portfolio Value ($) · Withdrawal Rate (%) |
| Net Operating Income Calculator | Rental income after operating expenses | Gross Annual Rent ($) · Vacancy Rate (%) · Operating Expenses ($) |
| Price per Square Foot Calculator | Property cost normalized by area | Property Price ($) · Area (sq ft) |
| Rent Increase Calculator | New rent after a percentage increase | Current Rent ($/mo) · Increase (%) |
| Security Deposit Interest Calculator | Interest owed on a held deposit | Deposit ($) · Annual Interest Rate (%) · Months Held |
| Roommate Rent Split Calculator | Fair rent division proportional to income | Total Rent ($) · Incomes (comma separated) |
| Purchasing Power Calculator | Real value of money after inflation | Amount ($) · Inflation Rate (%) · Years |
| Refinance Break-Even Calculator | Months to recover refinancing closing costs | Closing Costs ($) · Monthly Savings ($) |
| Loan APR Calculator | True APR including fees, not just the note rate | Loan Amount ($) · Fees & Points ($) · Total Interest Over Loan ($) · Term (years) |
| Lease vs Buy Calculator | Total cost of leasing against financing a purchase | Monthly Lease ($) · Lease Down Payment ($) · Lease Term (months) · Monthly Loan Payment ($) · Loan Down Payment ($) |
| HELOC Interest-Only Payment | Monthly payment during the draw period | Drawn Balance ($) · Rate (%) |
| PMI Removal Calculator | Current LTV and whether PMI can be cancelled | Current Balance ($) · Current Home Value ($) |
| Escrow Payment Calculator | Monthly escrow with the two-month cushion | Annual Property Tax ($) · Annual Insurance ($) |
| Portfolio Beta Calculator | Weighted market sensitivity of your holdings | Holding 1 Weight (%) · Holding 1 Beta · Holding 2 Weight (%) · Holding 2 Beta |
| Yield to Worst Calculator | Conservative yield across call and maturity dates | Yield to Maturity (%) · Yield to Call (%) |
| Bond Coupon Payment Calculator | Periodic interest from face value and coupon rate | Face Value ($) · Annual Coupon Rate (%) · Payments per Year (1, 2, 4) |
| Clean vs Dirty Bond Price | Strip accrued interest from the quoted price | Dirty (Full) Price ($) · Accrued Interest ($) |
| Bond Convexity Calculator | Curvature of price change from up and down repricing | Current Price ($) · Price if Yield Falls ($) · Price if Yield Rises ($) · Yield Shift (decimal, e.g. 0.01) |
| Modified Duration Calculator | Rate sensitivity adjusted for payment frequency | Macaulay Duration (years) · Yield (%) · Compounding per Year (1, 2) |
| Property Appreciation Calculator | Future value of real estate at a growth rate | Current Value ($) · Annual Growth (%) · Years |
| Rent vs Sell Calculator | Ten years of net rent against selling and investing | Net Annual Rent ($) · Sale Proceeds if Sold ($) · Investment Return (%) · Horizon (years) |
| Seller Net Proceeds Calculator | Cash in hand after commission and payoff | Sale Price ($) · Commission (%) · Seller Closing Costs ($) · Mortgage Payoff ($) |
| Mortgage Points Break-Even | Months for discount points to pay for themselves | Points Cost ($) · Monthly Savings ($) |
| Cap Rate to Value Calculator | Property value implied by NOI and a market cap rate | Net Operating Income ($/yr) · Market Cap Rate (%) |
| Rule of 40 Calculator | SaaS growth plus profit margin health check | Revenue Growth Rate (%) · Profit Margin (%) |
| Cost of Delay Calculator | Revenue lost per month a launch or decision slips | Value at Stake ($/month) · Delay (months) |
| Hajj Cost Calculator | Free Hajj cost estimator: total pilgrimage budget from the package price, number of travellers and travel extras. | Package per person · Travellers · Travel extras (flights, visa) |
| Power of Attorney and Will Cost Estimator | Planning cost estimate for wills, power of attorney and trust documents by route and complexity. | Document · Preparation route · Complexity |
| Divorce Cost Estimator | Estimate the cost of a divorce by process route, hourly rate, hours worked and children involved. | Process route · Lawyer hourly rate · Total lawyer hours · Children involved |
| Moving Abroad Cost Estimator | One-time relocation cost estimate for shipping, visas, flights and settling-in deposits by destination. | Destination · Shipment volume (cubic meters) · Adults · Children · Include rental deposit |
| Cosigning a Loan Risk Calculator | Estimate the financial exposure from cosigning a loan given the balance and the chance the borrower defaults. | Outstanding balance · Chance borrower defaults (percent) · Remaining term (years) |
| Inheritance Tax Calculator (UK and India) | Estimate inheritance tax on an estate under UK rules, or note the position for India where most inheritances are untaxed. | Country · Estate value · Left to a spouse (exempt) · Percent to charity |
| Rental Portfolio Cash Flow Tracker | Aggregate monthly cash flow, annual net and gross yield across a small rental portfolio you can save and revisit. | Number of properties · Average property value · Average monthly rent each · Average monthly costs each · Monthly mortgage each |
Prefer the annotated list? Browse the full list with one line on what each calculator does.
Last updated