Money & Finance
Loan, savings, investing and planning calculators using standard amortization mathematics, transparent assumptions and cited conventions.
Mortgage Calculator
Calculate your monthly mortgage payment, total interest paid and loan amount using standard amortization. Includes the 28/36 affordability rule.
Amortization Calculator
See how a loan amortizes: monthly payment, first-year interest vs principal split, halfway balance and total interest using the standard formula.
Mortgage Affordability Calculator
Estimate how much house you could afford using the 28/36 rule: maximum home price, loan amount and monthly payment from income and debts.
Refinance Calculator
Compare your current mortgage payment with a refinanced rate: monthly savings, lifetime savings after closing costs, and the breakeven month.
USA Mortgage Calculator
Estimate a US monthly mortgage payment, loan principal and total interest with standard amortization. Covers 30-year fixed loans, PMI and closing costs.
UK Mortgage Calculator
Estimate a UK monthly mortgage payment, loan amount and total interest. Covers 2- and 5-year fixed deals, the SVR revert rate, deposits and Stamp Duty (SDLT).
South Africa Bond Calculator
Estimate a South African home loan (bond) repayment, loan amount and total interest. Covers the prime lending rate, deposits, transfer duty and bond costs.
Australia Mortgage Calculator
Estimate an Australian home loan repayment, loan amount and total interest. Covers variable rates, offset accounts, the RBA cash rate, LMI and stamp duty.
Canada Mortgage Calculator
Estimate a Canadian mortgage payment, loan amount and total interest. Covers 5-year terms, 25-year amortization, the stress test, CMHC insurance and LTT.
India Home Loan Calculator
Estimate a home loan EMI, loan amount and total interest in India. Covers repo-linked lending rates (RLLR), LTV limits, down payment and state stamp duty.
Germany Mortgage Calculator
Estimate a German mortgage (Baufinanzierung) payment, loan and total interest. Covers Sollzinsbindung, Tilgung, Restschuld and Grunderwerbsteuer.
China Mortgage Calculator
Estimate a Chinese mortgage payment, loan amount and total interest. Covers the 5-year LPR benchmark, city-tier down payment rules and deed tax.
Interest-Only Mortgage Calculator
Calculate interest-only payments and the payment jump when amortization begins. See exactly how much your payment rises after the IO period ends.
Balloon Mortgage Calculator
Calculate your balloon mortgage payment and the exact balloon amount due — the remaining loan balance — at the end of the balloon term.
Biweekly Mortgage Calculator
See how switching to biweekly mortgage payments shortens your payoff time and reduces total interest, simulated payment by payment.
ARM Calculator
Model an adjustable-rate mortgage scenario: enter a hypothetical post-adjustment rate to see the new payment on the balance at the reset date.
Mortgage Points Calculator
Calculate the cost of mortgage discount points, the reduced rate and monthly savings, and the exact breakeven month when points pay for themselves.
Construction Loan Calculator
Estimate interest-only construction loan costs using a linear-draw assumption, plus the peak and average monthly interest during the build.
Bridge Loan Calculator
Calculate bridge loan interest, origination fee and effective annualized cost — short-term interest-only financing used between two transactions.
Mortgage Payoff Calculator
See exactly how much time and interest an extra monthly payment saves on your mortgage, with a full amortization comparison against your current schedule.
Extra Mortgage Payment Calculator
Model recurring extra monthly payments and a one-time lump sum together to see the combined effect on your mortgage payoff time and interest cost.
HELOC Calculator
Calculate your interest-only payment during the draw period and the higher fully amortizing payment during repayment on a home equity line of credit.
Home Equity Loan Calculator
Calculate how much home equity you can borrow at a given CLTV limit, plus the monthly payment, total interest, and combined loan-to-value ratio.
Mortgage Comparison Calculator
Compare two mortgage offers side by side: monthly payments, lifetime cost including fees, and the break-even point where higher upfront fees pay off.
Credit Card Payoff Calculator
Find out how many months to pay off a credit card balance and how much interest you'll pay. Identifies the debt trap when payment is too low.
Loan Calculator
Calculate the monthly payment, total paid, and total interest for any amortizing loan. Enter amount, annual rate, and term in months.
Car Loan Calculator
Calculate your monthly car loan payment from vehicle price, down payment, trade-in, rate and term. See total interest using standard amortization.
Debt Payoff Calculator
Calculate how many months it takes to pay off a debt at a fixed payment, and how much time and interest an extra monthly payment could save.
Personal Loan Calculator
Calculate your personal loan monthly payment, total interest and the effect of an origination fee on the amount you actually receive.
EMI Calculator
Calculate your loan EMI (equated monthly installment) from principal, interest rate and tenure. See total interest and total repayment instantly.
APR Calculator
Calculate the annual percentage rate (APR) of a loan by folding upfront fees into the interest rate, so you can compare the true cost of loan offers.
Debt-to-Income (DTI) Calculator
Calculate your front-end and back-end debt-to-income ratios using the widely used 28/36 lending convention, and see how lenders classify each range.
Business Loan Calculator
Calculate your business loan's monthly payment, total interest, origination fee and total cost using standard amortization mathematics.
Student Loan Calculator
Calculate your student loan monthly payment, payoff time and total interest, and see how extra payments shorten the payoff period.
Debt Consolidation Calculator
Compare your current debt payoff against a consolidation loan to see the new payment, total interest, and how much interest a consolidation could save.
Debt Snowball Calculator
Simulate the debt snowball method month by month: pay minimums on every debt, then attack the smallest balance first, until all debts are paid off.
Debt Avalanche Calculator
Simulate the debt avalanche method month by month: pay minimums on every debt, then attack the highest-APR balance first to minimize total interest.
Credit Card Interest Calculator
Calculate the monthly and annual interest charged on a credit card balance from its APR, plus the equivalent daily periodic rate.
Credit Card Minimum Payment Calculator
See how long it takes to pay off a credit card balance making only the minimum payment, and the total interest that minimum-payment schedule costs.
Credit Utilization Calculator
Calculate your overall credit utilization ratio across all cards and see how it compares to the thresholds commonly cited in credit scoring guidance.
Loan Comparison Calculator
Compare two loan offers side by side — payment, total cost including fees, and which one is cheaper overall for the same loan amount.
Balance Transfer Calculator
Calculate whether a 0% balance transfer saves money after the transfer fee: interest avoided, net savings, and how long payoff takes at your payment.
Remaining Loan Balance Calculator
Calculate how much you still owe on a loan after any number of payments, plus principal paid so far, percent repaid, and the monthly payment.
Finance Charge Calculator
Calculate a billing cycle's finance charge using the average daily balance method: balance × daily periodic rate × days in the cycle.
Lease Calculator
Calculate a monthly lease payment from asset value, residual value, term, and APR — split into depreciation and finance charge via the money factor.
Auto Lease Calculator
Calculate a car lease payment from cap cost, down payment, residual percentage, term, and money factor — with the implied APR and total lease cost.
Car Affordability Calculator
Work backward from your monthly budget to the car price you can afford: loan amount supported by the payment, plus down payment, at your rate and term.
Compound Interest Calculator
Calculate compound interest with A = P(1+r/n)^nt. Choose annual, quarterly, monthly or daily compounding. Includes Rule of 72 doubling-time estimate.
IRR Calculator
Calculate the Internal Rate of Return (IRR) for any series of cash flows using Newton-Raphson. Enter semicolon-separated values; first is typically negative.
Investment Calculator
Project investment growth from an initial amount and monthly contributions, with inflation-adjusted real value. Educational estimates, not advice.
ROI Calculator
Calculate return on investment (ROI) and the annualized return from amount invested, amount returned and holding period. Includes worked example.
Future Value Calculator
Calculate the future value of a present sum with compound growth: FV = PV(1+r)^n. See total growth over any number of periods, with a worked example.
Present Value Calculator
Calculate the present value of a future sum by discounting: PV = FV/(1+r)^n. See how much a future amount is worth today, with a worked example.
CAGR Calculator
Calculate compound annual growth rate (CAGR) from beginning value, ending value and years. Compare investments with the standard smoothed metric.
Dividend Calculator
Calculate dividend yield and projected annual and monthly dividend income from share price, dividend per share and number of shares held.
NPV Calculator (Net Present Value)
Calculate the net present value of a series of future cash flows at a chosen discount rate, plus the profitability index, using standard corporate-finance math.
DCF Calculator (Discounted Cash Flow)
Estimate enterprise value with a discounted cash flow model: projected free cash flow growth plus a Gordon-growth terminal value, discounted at your WACC.
Payback Period Calculator
Calculate how long it takes to recover an initial investment from a series of future cash flows — both simple payback and discounted payback.
Bond Calculator (Bond Price)
Calculate a bond's price from its face value, coupon rate, years to maturity and yield to maturity, using standard semiannual-coupon bond pricing.
Bond Yield Calculator (Yield to Maturity)
Calculate a bond's yield to maturity (YTM) and current yield from its market price, face value, coupon rate and years to maturity.
Investment Fee Calculator (Fee Drag)
Calculate how much annual investment fees reduce your long-term portfolio value compared to an identical fee-free investment, compounded over time.
Expense Ratio Calculator
Calculate the annual, monthly and 10-year dollar cost of a fund's expense ratio on a given investment amount.
Expected Return Calculator (Portfolio)
Calculate a portfolio's weighted-average expected return from the weights and expected returns of its individual holdings or asset classes.
Average Annual Return Calculator (CAGR)
Calculate the compound annual growth rate (CAGR) between a starting and ending investment value, plus total return and simple average return.
Mutual Fund Calculator (SIP Growth)
Project the future value of regular monthly mutual fund contributions, net of the fund's expense ratio, and see how much the expense ratio costs you.
Stock Profit Calculator
Calculate stock trading profit or loss, return percentage and breakeven price, including buy and sell fees or commissions.
Stock Average Calculator (Average Cost Basis)
Calculate the average cost per share (weighted average cost basis) across multiple stock purchases made at different prices and quantities.
Profitability Index Calculator
Calculate the profitability index (benefit-cost ratio) of an investment from its cash flows and discount rate to see whether it creates or destroys value.
Real Rate of Return Calculator
Calculate your inflation-adjusted real rate of return using the exact Fisher equation, plus the simple nominal-minus-inflation approximation for comparison.
Sharpe Ratio Calculator
Calculate the Sharpe ratio of a portfolio from its return, the risk-free rate, and standard deviation to measure risk-adjusted performance.
Stock Split Calculator
Calculate how many shares you will own and the adjusted share price after a stock split (or reverse split) — and see why the position value is unchanged.
P/E Ratio Calculator
Calculate the price-to-earnings (P/E) ratio and earnings yield of a stock from its share price and earnings per share (EPS).
EPS Calculator
Calculate basic earnings per share (EPS) from net income, preferred dividends, and weighted average shares outstanding, following the standard accounting formula.
Enterprise Value Calculator
Calculate enterprise value (EV) from market capitalization, total debt, and cash — the takeover-style measure of what a whole business costs.
EV/EBITDA Calculator
Calculate the EV/EBITDA multiple (enterprise multiple) from enterprise value and EBITDA, plus the implied EBITDA yield, for company valuation comparisons.
WACC Calculator
Calculate the weighted average cost of capital (WACC) from equity and debt values, cost of equity, cost of debt, and the tax rate.
Dividend Payout Ratio Calculator
Calculate the dividend payout ratio and retention ratio from total dividends and net income to see how much profit a company distributes versus reinvests.
Retirement Calculator
Estimate your retirement nest egg using compound growth and the Bengen 4% safe-withdrawal rule. See projected monthly income in today's dollars.
FIRE Calculator
Calculate your FIRE number (25× annual expenses), progress toward it, and estimated years to financial independence at your savings rate.
Annuity Calculator
Calculate the future value of a series of fixed monthly contributions growing at a set rate of return — an ordinary annuity accumulation calculation.
Annuity Payout Calculator
Calculate the level monthly payout a lump sum can support over a set number of years, fully exhausting the principal by the end of the period.
Retirement Withdrawal Calculator
See how many years a retirement balance lasts under an inflation-adjusted annual withdrawal, a given investment return, and inflation rate.
Pension Calculator
Estimate an annual defined-benefit pension payout from final salary, years of service and the plan's accrual rate — a standard pension formula.
Present Value of Annuity Calculator
Calculate the present value of a stream of monthly payments at a discount rate: PV = PMT × [1 − (1+r)^−n] ÷ r, with total payments and the discount.
Retirement Income Calculator
Estimate annual and monthly retirement income from a savings balance at a chosen withdrawal rate, such as the 4% convention, plus other income sources.
Net Worth Calculator
Calculate your net worth by entering assets (cash, investments, real estate) and liabilities (mortgage, loans, credit cards). See your financial snapshot.
Simple Interest Calculator
Calculate simple interest with I = P·r·t. Find total interest earned or owed and the final amount for any principal, rate, and time period.
Inflation Calculator
Calculate the future cost of goods and the purchasing power of money at a given inflation rate. Uses the compound inflation formula with CPI reference.
Savings Calculator
Project your savings growth from an initial balance and monthly deposits with compound interest. See total contributions and interest earned.
Budget Calculator
Calculate what's left after monthly expenses, your savings rate, and your housing cost share of income — a full monthly budget snapshot.
50/30/20 Budget Calculator
Split your after-tax income into the 50/30/20 rule: 50% needs, 30% wants, 20% savings and debt repayment, from Elizabeth Warren's All Your Worth.
Savings Goal Calculator
Calculate the monthly contribution needed to reach a savings goal by a target date, accounting for growth on your current balance.
APY Calculator
Convert a nominal interest rate and compounding frequency into annual percentage yield (APY) and estimated yearly earnings on a deposit.
Effective Annual Rate (EAR) Calculator
Convert a nominal interest rate and compounding frequency into the effective annual rate (EAR) — the true annual cost or yield once compounding is included.
CD Calculator
Calculate a certificate of deposit's maturity value, interest earned, and equivalent APY from the deposit amount, rate, term and compounding frequency.
Savings Withdrawal Calculator
Calculate how long savings last with fixed monthly withdrawals while the balance keeps earning interest — or whether interest alone covers the withdrawal.
Sinking Fund Calculator
Calculate the monthly deposit needed to reach a savings target by a deadline, with interest doing part of the work: PMT = FV·r ÷ ((1+r)^n − 1).
Emergency Fund Calculator
Calculate your emergency fund target from monthly expenses and months of cover, your current shortfall, and how long it takes to close at your saving rate.
Opportunity Cost Calculator
Calculate the opportunity cost of spending money instead of investing it: the compound growth foregone over your time horizon at your expected return.
Tax Calculator
Estimate income tax using US 2025 federal brackets or UK 2025-26 bands. See tax due, after-tax income, and effective rate. Educational reference only.
Capital Gains Tax Calculator
Estimate US capital gains tax on an investment sale. Long-term 2025 brackets (single filer) or short-term at your ordinary rate. Educational only.
VAT Calculator
Add VAT to a net price or remove VAT from a gross price at any rate. Reverse-VAT formula net = gross ÷ (1 + rate), with worked examples.
GST Calculator
Add or remove GST at 5%, 12%, 18% or 28% (India), 10% (Australia) or 15% (New Zealand). Shows the CGST/SGST split for intra-state supplies.
Paycheck Calculator
Estimate your net take-home pay per pay period using a simplified effective tax rate model. Choose monthly, semimonthly, biweekly or weekly frequency.
Salary Calculator
Convert hourly pay to annual salary and back. See monthly, weekly and daily equivalents from your rate, hours per week and weeks per year.
Overtime Pay Calculator
Calculate total pay including overtime, using your hourly rate, regular hours, overtime hours and overtime multiplier.
Pay Raise Calculator
Calculate your new salary after a percentage pay raise, plus the annual and monthly dollar increase.
Salary vs. Inflation Calculator (Real Raise)
Calculate your real (inflation-adjusted) raise using the Fisher relation, and see the salary you'd need just to keep pace with inflation.
Billable Hours Calculator
Calculate annual and monthly revenue from your billable hourly rate, target billable hours per week, and utilization rate.
Freelance Rate Calculator
Calculate the hourly and day rate you need to charge as a freelancer to hit a target take-home income after business expenses.
Profit Margin Calculator
Calculate gross profit margin from cost and revenue, and see the matching markup. Clear worked examples and the margin-vs-markup table.
Markup Calculator
Apply a markup percentage to cost to get the selling price, profit and resulting margin. Includes the standard markup-to-margin conversion table.
Break-Even Calculator
Calculate the break-even point in units and revenue from fixed costs, price per unit, and variable cost per unit — plus contribution margin.
Contribution Margin Calculator
Calculate contribution margin and contribution margin ratio from total revenue and variable costs to see what's left to cover fixed costs and profit.
COGS Calculator (Cost of Goods Sold)
Calculate cost of goods sold (COGS), gross profit, and gross margin from beginning inventory, purchases, ending inventory, and revenue.
Business Budget Calculator
Calculate business profit, total expenses, and profit margin from revenue and expense categories — payroll, rent, materials, marketing, and more.
Burn Rate Calculator
Calculate net burn rate, gross burn rate, and implied runway from starting cash, ending cash, elapsed months, and monthly revenue.
Cash Runway Calculator
Calculate cash runway in months and years from your current cash balance and monthly burn rate — see how long your cash will last.
Business Valuation Calculator
Estimate business value using revenue and EBITDA multiples — two common market-based approaches to valuing a private business.
Sales Commission Calculator
Calculate sales commission earned from a sale amount, commission percentage, and optional split percentage between salespeople or channels.
Website Ad Revenue Calculator
Estimate monthly, daily, and annual website ad revenue from pageviews and RPM (revenue per thousand pageviews).
Labor Cost Calculator
Calculate the true monthly and annual cost of an employee: hourly wage plus a burden percentage for taxes, benefits, and insurance, times hours worked.
Revenue per Employee Calculator
Calculate revenue per employee — annual revenue divided by headcount — the standard workforce-productivity ratio, with the monthly equivalent.
Inventory Turnover Calculator
Calculate inventory turnover (COGS ÷ average inventory) and days sales of inventory — how many times a year stock sells through and how long it sits.
EOQ Calculator (Economic Order Quantity)
Calculate the economic order quantity with the Wilson formula √(2DS/H): the order size minimizing ordering plus holding costs, and orders per year.
Cost of Doing Business Calculator
Calculate your cost of doing business: annual overheads plus owner salary spread over billable days, giving the daily and hourly cost you must recover.
Down Payment Calculator
Calculate the down payment amount for a given purchase price and percentage, plus the resulting loan amount, loan-to-value ratio and monthly payment.
Loan-to-Value (LTV) Calculator
Calculate your loan-to-value ratio and home equity from your loan balance and property value, and see how LTV compares against common lending thresholds.
Cap Rate Calculator
Calculate a property's capitalization rate (cap rate) from its net operating income and market value, a standard measure used to compare income properties.
Net Operating Income (NOI) Calculator
Calculate a rental property's net operating income (NOI), effective gross income, and operating expense ratio from rent, vacancy and operating expenses.
Rental Property Calculator
Analyze a rental property purchase: monthly cash flow, cap rate, cash-on-cash return, NOI and the mortgage payment, all from price, financing and rent inputs.
Rental Cash Flow Calculator
Calculate a rental property's monthly and annual cash flow after the mortgage, taxes and insurance, plus reserves for maintenance, management and vacancy.
Rent Affordability Calculator
Calculate how much rent fits your income using the widely used 30%-of-gross-income guideline, plus a more conservative figure that factors in existing debts.
Rent vs. Buy Calculator
Compare the total net cost of renting versus buying over a chosen time horizon, factoring in appreciation, ownership costs, equity built and rent growth.
Price per Square Meter Calculator
Calculate a property's price per square meter, see the equivalent price per square foot, and compare a second property on the same per-m² basis.
Price per Square Foot Calculator
Calculate a home's price per square foot from its price and floor area, with the metric price-per-square-meter equivalent for international comparison.
Real Estate Commission Calculator
Calculate the total real estate commission on a home sale, how it splits between listing and buyer sides, and the seller's net after commission.
Customer Acquisition Cost (CAC) Calculator
Calculate customer acquisition cost (CAC) from marketing spend, sales spend, and new customers acquired — a core SaaS and marketing efficiency metric.
Customer Lifetime Value (CLV) Calculator
Calculate customer lifetime value (CLV) from ARPU, gross margin, and churn rate, plus the LTV:CAC ratio against your acquisition cost.
Churn Rate Calculator
Calculate monthly customer churn rate, retention rate, annualized churn, and average customer lifetime from starting customers and customers lost.
SaaS Metrics Calculator (MRR, ARR & NRR)
Calculate MRR, ARR, net new MRR, and net revenue retention (NRR) from customer count, ARPU, and new, churned, and expansion MRR.
ROAS Calculator (Return on Ad Spend)
Calculate ROAS (return on ad spend) as a ratio and percentage from ad spend and revenue, plus profit — see if a campaign is strong, breakeven, or losing.
Conversion Rate Calculator
Calculate conversion rate and visitors needed per conversion from total visitors and total conversions — a core web and marketing metric.
CPA Calculator (Cost Per Acquisition)
Calculate CPA (cost per acquisition) from ad spend and total acquisitions, plus acquisitions per $1,000 spent — a core paid-advertising metric.
Ad Metrics Calculator (CPM, CPC, CTR, CVR & CPA)
Calculate CPM, CPC, CTR, CVR, and CPA in one place from ad spend, impressions, clicks, and conversions — the core digital advertising metrics.
Customer Payback Period Calculator (CAC Payback)
Calculate months of gross profit needed to recover customer acquisition cost: CAC ÷ (ARPU × gross margin). Under 12 months is a common SaaS benchmark.
Depreciation Calculator
Calculate straight-line, double-declining balance, and sum-of-the-years'-digits depreciation from an asset's cost, salvage value, and useful life.
EBITDA Calculator
Calculate EBITDA and EBITDA margin from net income, interest, taxes, and depreciation & amortization — a standard measure of core operating profitability.
EBIT Calculator
Calculate EBIT (operating income) and operating margin from revenue, cost of goods sold, and operating expenses.
Free Cash Flow Calculator
Calculate free cash flow and FCF margin from operating cash flow and capital expenditures — the cash left after funding reinvestment.
Net Income Calculator
Calculate net income and net profit margin from revenue, COGS, operating expenses, interest, and taxes — the income statement bottom line.
Current Ratio Calculator
Calculate the current ratio and working capital from current assets and current liabilities to check short-term liquidity.
Quick Ratio Calculator
Calculate the quick (acid-test) ratio and quick assets from current assets, inventory, and current liabilities.
Debt-to-Equity Ratio Calculator
Calculate the debt-to-equity ratio and debt share of capital from total debt and total shareholders' equity.
DSCR Calculator
Calculate the debt service coverage ratio (DSCR) and cushion from net operating income and total debt service.
Interest Coverage Ratio Calculator
Calculate the interest coverage ratio and cushion from EBIT and interest expense to assess a company's ability to pay interest.
ROA Calculator
Calculate return on assets (ROA) from net income and total assets to measure how efficiently a company converts its asset base into profit.
ROE Calculator
Calculate return on equity (ROE) from net income and shareholders' equity to measure the profit a company generates on its owners' capital.
ROIC Calculator
Calculate return on invested capital (ROIC) from operating income, tax rate, and invested capital — NOPAT divided by invested capital.
Asset Turnover Calculator
Calculate the asset turnover ratio from revenue and total assets to measure how much sales a company generates per dollar of assets.
Working Capital Calculator
Calculate net working capital (current assets minus current liabilities) and the current ratio to assess short-term liquidity.