Finance & money
699 finance and money calculators: loans, interest, savings, taxes, salaries, prices and business margins. Every tool shows the formula it uses and works out the answer right on the page, free in your browser.
VAT calculator
100 at 21% becomes 121, with 21 of tax, and 121 at 21% goes back to 100: add tax to a net price or extract it from a total that already includes it, and always…
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Salary calculator
Turn a pay figure from one period into any other: an annual 60000 is 5000 a month, and an hourly rate becomes a yearly figure using 40 hours and 52 weeks unless…
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CAGR calculator
Growing from 100 to 200 over 5 years is a compound annual growth rate of 14.8698%, the steady yearly rate behind a doubling.
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Profit margin calculator
Enter a cost and a selling price to get profit, margin and markup side by side: a cost of 80 sold at 100 is a 20% margin but a 25% markup.
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Simple interest calculator
Find any piece of the simple-interest formula from the other three: 1000 at 5 % for 2 years earns 100 of interest, for a total of 1100.
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Discount calculator
See what a percent-off deal really leaves you to pay: 15% off 19.99 saves 3.00 and brings the price down to 16.99, exact to the cent.
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Break even calculator
With fixed costs of 10,000, a price of 50 and a variable cost of 30, each unit contributes 20, so you break even at 500 units, or 25,000 in revenue.
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Inflation calculator
Find out what a sum becomes with inflation: at 3% a year, 1000 grows to 1343.92 in 10 years. Leave out any one of the four values, whether starting amount…
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ROI calculator
Enter what you invested and what came back: 1000 invested and 1200 returned is a net profit of 200.00 and an ROI of 20.00 %.
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Break even occupancy calculator
With 120,000 of potential rent, 40,000 of operating expenses and 50,000 of yearly debt service, a property must be 75% occupied just to cover its costs, leaving…
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Capital gains tax estimator
Selling for 50,000 something that cost 30,000, after 400 days, gives a 20,000 long-term gain and, at 15%, a tax of 3,000.
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DSCR calculator
A property with 50,000 of net operating income and 40,000 of yearly debt service has a DSCR of 1.25 and a 10,000 cushion, enough to pass the usual 1.25 minimum.
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FHA MIP calculator
On a 300,000 FHA base loan, mortgage insurance comes to 5,250 upfront, 1,650 a year and 137.50 a month at the default rates of 1.75% and 0.55%.
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FIRE number calculator
Find the portfolio that can cover your spending indefinitely: 40,000 a year at a 4% safe withdrawal rate means a FIRE number of 1,000,000, the familiar 25x…
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Hard money loan calculator
See the full cost of a short-term hard money loan: 100,000 at 12% a year for 12 months, with 2 points and 500 in fees, costs 14,500, or 14.5% of the loan.
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Interest capitalization calculator
Rolling 500 of unpaid interest into a 10,000 loan makes the balance 10,500, and at 6% over 60 months the payment rises from 193.33 to 202.99.
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Mortgage recast calculator
With 200,000 left at 4% over 240 months, a 20,000 lump sum lowers the payment from 1,211.96 to 1,090.76 and saves 9,087.06 in interest, while the rate and the…
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One percent rule calculator
A 200,000 house renting for 1,600 a month reaches only 0.8%, so it fails the one percent rule; it would need 2,000, a gap of 400.
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Rule of 78 rebate calculator
Settle a 48-month loan after 18 payments with 3000 of total interest and the Rule of 78 gives you back 1186.22, while the lender keeps 1813.78.
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SS claim breakeven calculator
Claim 1,800 a month at 62 or wait for 2,400 at 70? Added up month by month, the delayed claim only overtakes the early one at about age 94.08.
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Taxable equivalent yield calculator
At a 32% marginal rate, a 3% tax-exempt yield matches a taxable yield of about 4.4118%. Convert in either direction to compare a municipal bond with a taxable…
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CD early withdrawal penalty
Breaking a 10,000 CD at 4% APY with a 180-day interest penalty costs 197.26, leaving 9,802.74 if you withdraw now.
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Lease buyout cost
Find the total cash to buy out your lease: a residual of 18,000, a 500 purchase option fee and 8% sales tax come to 19,980, of which 1,480 is tax.
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Mortgage offset account savings
With 20,000 in an offset account against a 200,000 mortgage at 4%, monthly interest drops from 666.67 to 600, a saving of 66.67 a month.
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Negative equity roll-in
Trade in a car worth 12,000 while still owing 15,000 and 3,000 of negative equity moves into the new loan: on a 28,000 car you would finance 31,000.
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Mortgage points break-even
One point on a 300,000 loan costs 3,000; if it lowers the payment from 1,800 to 1,750, the 50 saved each month repays it in 60 months, or 5 years.
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Prepayment penalty calculator
A 2% penalty on a remaining balance of 150,000 comes to 3,000. If your contract counts the penalty in months of interest instead, enter the months and the…
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Quarterly estimated tax
With 12,000 of estimated annual tax and nothing withheld, you owe four quarterly payments of 3,000.
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Standard vs itemized deduction
Enter a standard deduction of 14,600 and itemized deductions of 12,000, and the calculator recommends the standard deduction, which is 2,600 larger.
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Absence percentage calculator
Turn missed days into a rate you can compare: 6 days absent out of 22 scheduled workdays is an absence rate of 27.27%, whether the team has five people or 200.
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Accrual ratio calculator
See how much of reported profit rests on accruals rather than cash: net operating assets rising from 1,250,000 to 1,430,000 give accruals of 180,000 and a ratio…
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Accumulated depreciation calculator
Find how much of an asset has been written off so far: a machine that cost 50,000, with a salvage value of 5,000 and a ten-year life, has 18,000 of accumulated…
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Actual cash value
Find what an insurer pays on damaged property: an item that costs 2,500 to replace today, with 1,000 of accumulated depreciation, has an actual cash value of…
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ADR to ordinary share price converter
Translate a depositary receipt quote into the price of one ordinary share back home: a receipt at 25.5 with a ratio of 0.5 and an exchange rate of 1.27 equals…
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AFFO
See the cash a property portfolio really generates: net income of 180,000 plus 95,000 of depreciation, minus 12,000 of sale gains, gives FFO of 263,000, and…
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AFN
Find how much outside money a growth plan needs: sales of 500,000 growing 25%, assets of 300,000, spontaneous liabilities of 60,000, a 6% margin and a 40%…
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After-tax cost of debt
Get the rate your company really bears on a loan once interest is deducted from taxable income: 6.5% at a 25% tax rate is 4.875%, with 1.625 points absorbed by…
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AGI
Work out the AGI that anchors the rest of a tax return: gross income of 85,000 minus 2,500 of student loan interest and 6,500 of IRA contributions leaves…
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Alabama income tax calculator
Apply Alabama's 2%, 4% and 5% brackets slice by slice: a single filer with 75,000 of taxable income owes 3,710, not 3,750, because each rate only touches its…
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Alternative minimum tax calculator
Check whether the minimum tax adds to your bill: a joint return with 250,000 of taxable income, 60,000 of preference items and 42,000 of regular tax owes 3,942…
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Altman Z-score calculator
Enter six figures from a company's accounts and get its Altman Z-score: the sample manufacturer scores 3.513, above the 2.99 line of the safe zone, while…
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American Rescue Plan stimulus
A married couple with two children and an adjusted gross income of 140,000 gets the full 5,600, because they sit below the 150,000 point where the payment…
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Amortization schedule calculator
Borrow 1,200 at 12% for 12 months and you pay 106.62 a month and 79.42 in interest, yet the first payment puts only 94.62 toward the debt.
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Annual income calculator
At 25 an hour, 40 hours a week for 52 weeks, your gross income is 52,000 a year and 1,000 a week. Change the weeks to 48 and you see at once what unpaid time…
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Annual pay calculator
An hourly rate is hard to compare until it is multiplied out: 25 an hour for 40 hours a week over 52 weeks is 52,000 in gross yearly pay.
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Annual salary calculator
A gross salary of 4,000 a month is 48,000 a year, and with a flat 22% tax you keep 37,440 after paying 10,560.
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Annual salary per hour
A salary of 52,000 for 40-hour weeks over 52 weeks is worth 25 an hour, because those weeks add up to 2,080 working hours.
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Annual to monthly salary converter
A salary of 60,000 a year is 5,000 a month: the converter divides your yearly pay by twelve and rounds to cents.
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Annualized rate of return
An investment that grew from 10,000 to 16,105.10 in five years gained 61.05% in total, which is exactly 10% a year once compounding is counted.
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Annuity payment calculator
Borrow 10,000 at 1% a month over 12 months and exactly one installment clears it: 888.49. Use it to price a loan payment, size withdrawals from a savings pot or…
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Annuity future value calculator
Deposit 200 at the end of every month at 1% a month and after 12 deposits you have 2,536.5. Project a savings plan, size a fund for a known expense or check a…
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Annuity present value calculator
Twenty-four monthly payments of 500, discounted at 1% a month, are worth 10,621.69 today. Use it to turn a lease, a loan installment or a pension's checks into…
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Average propensity to consume (APC)
Spend 36,000 out of a disposable income of 45,000 and your average propensity to consume is 0.8: eighty cents of every after-tax dollar went to consumption.
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Appreciation calculator
A property worth 250,000 that appreciates 3% a year is worth 335,979.09 after 10 years, a gain of 85,979.09.
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APR calculator
A 12% nominal rate compounded monthly really costs 12.6825% a year, 0.6825 points more than the headline.
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APY calculator
A savings account quoting 5% compounded monthly actually pays about 5.116% a year, and compounded daily about 5.127%.
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Office supply budget per employee calculator
With 18 employees and 24.5 per person each month, the office supply budget is 441 a month and 5,292 a year.
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Rent vs buy cost calculator
Put renting and owning a home side by side over the same period: 1,800 in rent against 2,350 a month to own comes to 216,000 versus 282,000 over 10 years, so…
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Compound interest calculator
A principal of 1000 at 5% a year, compounded 12 times a year for 10 years, earns more than half its value in interest.
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Convert currency with a given exchange rate
If one unit of your source currency buys 0.92 units of the target, enter 0.92 and your amount is multiplied by exactly that rate, with no fee, spread or…
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