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💰 Finance & moneyFree
Bond convexity calculator
For a 10-year bond with a 5% coupon priced at a 4% yield, a 100 basis point rise pulls the estimated price from above par down to about 1,000.
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Employer 401(k) match calculator
Turn a match formula into money: on an 80,000 salary contributing 6%, a match of 100% of the first 3% plus 50% of the next 2% adds 3,200 a year to your 4,800…
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Retirement contribution gap calculator
With 150,000 saved, 12,000 added each year and a 6% return over 25 years, you fall short of a 1,500,000 target; the calculator turns that shortfall into the…
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Retirement savings by age calculator
At 40 with an income of 80,000, the benchmark is three times pay, a target of 240,000; with 180,000 saved you are at 75% of it, 60,000 behind.
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Required minimum distribution calculator
Divide a retirement account balance by its distribution factor: 500,000 with a factor of 26.5 gives a required minimum distribution of 18,867.92.
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Safe withdrawal rate calculator
Test whether a withdrawal rate lasts: 1,000,000 at 4% with a 7% yearly return over 30 years starts at 40,000 a year, holds to the end and leaves 3,569,333.39.
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Social Security benefit estimator
Turn average indexed monthly earnings into an estimated primary insurance amount: an AIME of 5,000 gives 2,311 a month with the 2025 bend points.
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Double declining balance calculator
A 10,000 asset with a 1,000 salvage value and a 5-year life depreciates 4,000 in year one, then 2,400, 1,440, 864 and 296, ending exactly at 1,000.
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Straight-line depreciation calculator
Writing off a 10,000 machine over 5 years down to a 1,000 salvage value costs an even 1,800 a year: book value is 8,200 after the first year and 1,000 at the…
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Gross-up salary calculator
Work backward from take-home pay: to leave 3,000 after a combined 25% in taxes and deductions, gross pay must be 4,000, with 1,000 withheld.
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Progressive income tax calculator
Enter taxable income and your own bracket table to see the tax band by band: 50,000 under brackets of 10%, 12% and 22% owes 6,800, an effective rate of 13.6%…
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Take-home pay calculator
From a 3,000 paycheck with 150 of pre-tax deductions, rates of 12%, 5% and 7.65% and 40 taken after tax, you keep 2,107.48.
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Tax deduction savings calculator
A 5,000 deduction at a 24% marginal rate saves about 1,200 in tax, so the expense still costs you 3,800.
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Remove VAT calculator
Take VAT out of a tax-inclusive price the right way: a gross of 120 at 20% is 100 net plus 20 of VAT, not the 96 you get by subtracting 20%.
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Cash runway calculator
With 120,000 in the bank and a monthly net burn of 15,000, you have 8 months of runway, about 243.5 days.
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Churn Rate Calculator
Losing 52 of the 800 customers you started the month with is a churn rate of 6.5%; losing 7,500 of 150,000 in recurring revenue is 5%.
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Customer lifetime value calculator
A customer who spends 80 per order, buys 4 times a year at a 40% margin and stays 3 years is worth 384 in gross profit.
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MRR Growth Rate Calculator
Start the month at 100,000 MRR, add 12,000 new and 5,000 expansion, lose 3,000 to contraction and 4,000 to churn, and you end at 110,000: 10% growth.
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Operating Margin Calculator
Operating income of 180,000 on revenue of 1,200,000 is a 15% operating margin: fifteen units of operating profit for every hundred of sales.
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Overtime and regular pay calculator
At 20 an hour, 40 regular hours and 5 overtime hours at time and a half give 800 regular pay, 150 overtime pay and 950 gross, with overtime paid at 30 an hour.
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Selling price from markup calculator
Turn a unit cost and a markup into a list price: a cost of 50 with a 40% markup sells at 70, earning 20 per unit.
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Units for target profit calculator
With 12,000 of fixed costs, a price of 50, a variable cost of 30 and a profit goal of 8,000, you need to sell 1,000 units.
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Zero-Based Budget Calculator
Split 5,000 of monthly take-home pay so every part has a job: housing 1,800, food 700, transport 500, savings 1,000 and other 1,000 leave a difference of…
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Degree of Financial Leverage Calculator
With operating income of 500,000 and interest of 100,000, the degree of financial leverage is 1.25: a 1% change in operating income moves pretax earnings about…
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GMROI calculator
See how much gross profit each unit of money tied up in stock earns: 120,000 of gross margin on 40,000 of average inventory at cost is a GMROI of 3, or 300%.
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Interest coverage ratio calculator
See how many times operating income covers interest: 250,000 of operating income against 50,000 of interest is a ratio of 5, with a 200,000 cushion and a pass…
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Internal Rate of Return Calculator
Find the rate at which an investment's cash flows break even in today's money: an outlay followed by three later receipts can work out to an IRR of 8.896339%…
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Quick Ratio Calculator
Quick assets of 125,000 against current liabilities of 100,000 give a quick ratio of 1.25: liquid assets exceed what falls due soon.
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WACC calculator
With 60% equity at 12%, 40% debt at 6% and a 25% tax rate, the weighted average cost of capital is 9%.
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Credit card minimum payment calculator
Paying only a 2% minimum on a 5,000 balance at 19.99% APR takes 523 months, about 43.58 years, and costs 20,150.97 in interest.
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Debt snowball vs avalanche calculator
With three debts and 200 a month on top of the minimums, both plans finish in 21 months, but the avalanche costs 956.48 in interest against 998.64 for the…
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Inflation-adjusted value calculator
Restate a sum in another year's money: 1,000 from 2000 is worth 1,638.62 in 2020 at 2.5% average yearly inflation.
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Net worth calculator
Assets of 406,500 minus liabilities of 207,300 leave a net worth of 199,200. List each account, investment, property and debt separately to see that figure plus…
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Price per unit calculator
A 2 lb bag of coffee at 13.99 beats a 12 oz bag at 6.49 once both are converted to ounces, because it holds 32 oz.
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Raise percentage calculator
Going from 50,000 to 55,000 is a raise of 5,000, or 10%, because the difference is divided by the old salary.
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Rent affordability calculator
Spend at most 28.5% of a gross monthly income of 6,250.5 on rent and your ceiling is 1,781.39 a month, or 21,376.71 a year, leaving 4,469.11 before tax.
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Monthly savings for goal calculator
Work backward from a goal: to reach 25,000 in 36 months with 5,000 already saved at 4.5% a year, see the level monthly deposit you need, plus your total…
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Crypto Cost Basis Calculator
Buying 0.5 coin at 30,000, 0.25 at 36,000 and 1.25 at 28,000 gives you 2 coins for 59,000, an average cost of 29,500 per coin.
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Crypto gas fee calculator
A transfer using 21,000 gas at 25 gwei costs 0.000525 of the network's token, which is 1.68 when one token is worth 3,200.
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Crypto Portfolio Allocation Calculator and Rebalancing Trades
A 70,000 crypto portfolio split 42.86%, 42.86% and 14.29% needs 9,000 of sales and 9,000 of purchases to reach targets of 50, 30 and 20%.
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Forex pip value calculator
Know what a one-pip move is worth before you trade: 100,000 units of EUR/USD at 1.085 make each pip worth 10 in the quote currency, about 9.2166 in the base…
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Satoshi to Bitcoin converter
Switch between satoshis and bitcoin without moving decimals by hand: 100,000,000 sats are exactly 1 BTC.
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Tip options comparison calculator
See common tips side by side: on a bill of 100, tips of 10, 15, 18, 20 and 25% bring the total to 110, 115, 118, 120 and 125.
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True hourly wage calculator
Take home 800 for 40 hours, add a 5-hour commute and 50 in fares and parking, and 20 an hour becomes about 16.6667.
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Airy disk diameter calculator
In green light of 550 nm at f/8, the Airy disk is 10.736 µm across: enter wavelength and f-number to see how large diffraction blur gets as you stop down, and…
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Cropped image resolution
A 20% crop on a 6000 × 4000 photo leaves 4800 × 3200 pixels, so 24 MP drop to 15.36 MP: enter the size and a percentage or a ratio and check the remaining…
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Full-frame equivalent focal length calculator
A 35 mm lens on a 1.5 crop sensor frames like 52.5 mm on full frame: enter the focal length on the lens and your camera's crop factor to compare angles of view…
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Extension Tube Magnification Calculator for Close-Up Photography
A 25 mm extension tube on a 50 mm lens adds 0.5× magnification, and with a lens that already reaches 0.15× the total is about 0.65×: enter tube length and focal…
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Focus stacking frame count calculator
A subject 30 mm deep with 4 mm of depth of field per shot and 0.25 overlap needs 10 frames at 3 mm steps: enter depth, depth of field and overlap before you…
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Horizontal angle of view calculator
A 50 mm lens on a 36 mm wide full-frame sensor covers just under forty degrees across the frame: enter focal length and sensor width in the same unit to see…
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ND filter shutter speed calculator
A 3-stop ND turns 1/125 s into 0.064 s, about 1/15: enter your base shutter and the filter strength in stops to get the exact new time and the filter factor.
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Stacked ND Filters Total Stops Calculator
A 3-stop and a 6-stop ND stacked together give 9 stops of reduction: enter two to twenty filter ratings and see the total, the exposure multiplier and the share…
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Time-lapse Shooting Duration Calculator
600 frames at a 5-second interval keep the camera busy for 2995 seconds, or 49 minutes 55 seconds: enter the frame count and interval to plan batteries…
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Depth of field from magnification
At life size, f/8 and a 0.03 mm circle of confusion, total depth of field is only 0.96 mm: enter magnification, aperture and circle of confusion to plan…
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Flash inverse square falloff calculator
Moving a flash from 2 m to 4 m leaves only 25% of the light, a loss of 2 stops: enter the old and new distances and get the change in stops and the compensation…
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Looney 11 lunar exposure calculator
For a full Moon at ISO 100 and 1/100 second, the Looney 11 rule gives f/11: enter any ISO and shutter speed and get the aperture that keeps the Moon equally…
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Moon diameter in pixels calculator
With a 1000 mm lens or telescope and 3.76 µm pixels, the Moon spans about 2404 pixels: enter the real focal length and pixel pitch to plan framing, mosaics and…
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Shutter Speed After Stops Change Calculator
Add two stops to 1/125 and the shutter becomes 0.032 s: enter a starting speed and a signed stop change, positive for more light and negative for less, and get…
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Stops between two apertures calculator
Going from f/2.8 to f/5.6 costs 2 stops, a quarter of the light: enter the aperture you have and the one you plan to use to see the signed difference and how…
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Video bitrate for memory card
A 64 GB card with a 5 % margin leaves 60.8 GB for a 120-minute recording: enter card size, recording time, audio and margin to see the highest video bitrate…
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One authenticated POST. The API returns a task_id immediately — copy-paste snippets in five languages on every page.
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Receive a signed webhook the moment it's ready, or fetch a signed link. A failed task is never charged.
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