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.
Florida overtime calculator
At 20 an hour, a 50-hour week in Florida has 10 overtime hours paid at 30, which is 300 of overtime pay on top of 800 for the first 40 hours.
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Florida sales tax calculator
A 100 purchase in a county with a 1% surtax pays 7 in tax at the combined 7% rate, for a total of 107.
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Forward premium calculator
A spot rate of 1.20 and a 90-day forward of 1.23 differ by 0.025, which annualizes to a forward premium of 0.10, or 10% a year on a 360-day basis.
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Forward rate calculator
If the 1-year spot rate is 4% and the 2-year spot is 5%, the curve already locks in 6.00961538% for the one-year period starting a year from now.
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Free cash flow calculator
With 500,000 of operating cash flow and 120,000 of capital expenditures, FCF is 380,000: the cash left to pay down debt, buy back shares or fund growth without…
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Free cash flow to equity calculator
Net income of 100,000, plus 25,000 of depreciation, minus 40,000 of capex and an 8,000 rise in working capital, plus 10,000 of net borrowing, leaves FCFE of…
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FCFF calculator
EBIT of 500,000 taxed at 0.25 gives NOPAT of 375,000; add 80,000 of depreciation, subtract 120,000 of capex and a 30,000 rise in working capital, and FCFF is…
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Free float calculator
Of 1,000,000,000 shares outstanding, with 150,000,000 restricted and 100,000,000 held by insiders, only 750,000,000 can trade on the market: a public float of…
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Full-time equivalent calculator
400 hours worked against a 40-hour full-time week is 10 FTE. Enter the group's total hours and the full-time standard for the same period, and get the headcount…
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Future salary calculator
A 50,000 salary with a 3% raise every year reaches 57,963.70 after 5 years, an increase of 7,963.70.
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Future value calculator
1,000 invested at 5% per period for 10 periods grows to 1,628.89462678, of which 628.89462678 is interest.
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Futures contract calculator
Two long contracts of size 50, bought at 4,500 and closed at 4,512.25, make 1,225: a 12.25-point move times 50 times 2.
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GDP calculator
Consumption of 10,000, investment of 3,000, government spending of 2,500, exports of 1,500 and imports of 2,000 give a GDP of 15,000, with net exports of −500.
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GDP gap calculator
Actual GDP of 10,500 against a potential of 10,000 is a gap of 500, or 5% above potential: an inflationary gap.
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GDP growth calculator
GDP that moves from 100 to 103 grew by 0.03, the 3% a news report would quote. Enter the earlier and the later figure to get the period-to-period growth rate…
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Georgia overtime calculator
At 18.5 an hour, a 48-hour week in Georgia pays 740 for the first 40 hours plus 222 for 8 overtime hours at 27.75: 962 in total.
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Gift of equity calculator
A home worth 400,000 sold to a child for 350,000 carries a 50,000 gift of equity; with an 18,000 annual exclusion, 32,000 remains reportable.
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Gold melt value calculator
Ten grams of 18-karat gold at 80 per gram contain 7.5 grams of fine gold and melt for 600. Enter the weight, the karat stamp and your own spot quote to see the…
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Goodwill calculator
Pay 1,000,000 for a business with 800,000 of identifiable assets and 200,000 of liabilities, and 400,000 of the price is goodwill.
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Google AdSense calculator
10,000 daily page views at a 1.5% click-through rate and 0.40 per click bring 150 clicks and 60 a day: 1,800 a month and 21,900 a year.
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Graham number calculator
With earnings of 2.5 per share and a book value of 20 per share, Graham's price ceiling is 33.54, the square root of 22.5 × 2.5 × 20.
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Gratuity calculator
A monthly basic salary of 10,000, 5 years of service and 21 days per year give an end-of-service gratuity of 35,000, from a daily wage of 333.33.
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Gross margin calculator
Revenue of 100,000 with 60,000 of cost of goods sold leaves a gross profit of 40,000, a 40% gross margin.
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Gross rent multiplier calculator
A building priced at 240,000 that brings in 24,000 of gross rent a year has a gross rent multiplier of 10: the buyer pays ten years of current rent.
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Gross to net calculator
A gross salary of 50,000 with a 22% tax rate and 1,500 of fixed deductions leaves 37,500 to take home, after 11,000 of tax.
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Growing annuity calculator
A first payment of 100 growing 3% a period, discounted at 8% over 5 periods, is worth 422.03508855 today and 620.108005 at the last payment.
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GRP calculator
40% reach at an average frequency of 3 delivers 120 gross rating points. Multiply reach by frequency to compare the advertising weight of weeks, channels or…
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GST calculator
A net price of 100 at a 10% GST rate carries 10 of GST and a gross price of 110. Enter the net amount and the rate that applies, whether 10, 15 or 18 percent…
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GST QST calculator
A pre-tax price of 100 at 5% GST and 9.975% QST carries 5 of GST and 9.98 of QST, for a total of 114.98.
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GTIN check digit calculator
Enter the leading digits 629104150021 and get check digit 3 and the full code 6291041500213, a GTIN-13.
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Hedge ratio calculator
With a correlation of 0.9, a spot volatility of 4 and a futures volatility of 5, the optimal hedge ratio is 0.72: short 0.72 futures units for each unit of spot…
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HELOC calculator
A home worth 400,000 with 220,000 left on the mortgage and an 80% cap supports a 100,000 credit line; drawing 40,000 at 8.5% costs 283.33 a month in interest…
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HHI calculator
Market shares of 40, 30, 20 and 10 percent give an HHI of 3,000, highly concentrated under the 2010 merger guidelines.
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High-low method calculator
A high month of 10,000 units costing 25,000 and a low month of 6,000 units costing 17,000 split into a variable cost of 2 per unit and a fixed cost of 5,000.
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Home improvement loan calculator
Borrow 35,000 for a remodel at 8.5% over 7 years and pay 554.28 a month: 11,559.52 in interest and 46,559.52 in total.
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Home loan calculator
A 300,000 home loan at 6.5% over 30 years means 360 equal monthly payments that add up to 682,632, of which 382,632 is interest.
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Home loan EMI calculator
A 5,000,000 home loan at 8.5% over 240 months has an EMI of 43,391.16, and over those 20 years you pay more in interest than you borrowed.
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Home mortgage calculator
A 250,000 mortgage at 6.75% over 30 years means a payment of 1,621.5 a month and 333,734.37 in interest by the end.
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US home value calculator
A home bought for 250,000 when the regional index stood at 180 is estimated at 375,000 once the index reaches 270, a 50% rise.
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Hourly to annual salary
At 25 an hour for 40 hours a week, you earn 52,000 a year before tax: the wage times your weekly hours times 52 weeks.
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Hourly to salary with overtime
At 25 an hour with 40 regular hours and 5 overtime hours at time-and-a-half, you earn 1,187.5 a week and 61,750 a year.
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Hours pay calculator
Enter 48 hours at 20 an hour with time-and-a-half after 40, and you get 800 in regular pay, 240 in overtime and 1,040 gross.
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HR software ROI calculator
Saving 45,000 a year after spending 10,000 on software and 5,000 on implementation is a 200% return.
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Illinois income tax calculator
Illinois taxes every dollar at one flat rate, so 80,000 of taxable income owes 3,960 at 4.95%. Enter your IL-1040 taxable income to see the tax owed, or try a…
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Australian income tax calculator
On 80,000 of taxable income you pay 14,520 in Australian income tax for 2026-27, an effective rate of 18.15%.
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Information ratio calculator
A portfolio that returned 12% against a 10% benchmark with a 4% tracking error has an information ratio of 0.5: half a point of excess return per point of…
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Interest rate calculator
If 1,000 grows to 1,210 over 2 periods, the implied interest rate is 10% per period. Enter a starting amount, a future amount and the number of periods to back…
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Intrinsic value calculator
With yearly cash flow of 10,000,000 growing 5%, a 10% discount rate, a 10-year forecast and 1,000,000 shares, each share is worth 210.
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Investment fees calculator
On 10,000 earning 7% a year for 30 years, a 1% annual fee costs 18,687.64: you end with 57,434.91 instead of 76,122.55.
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Labor cost calculator
40 hours at 25 an hour with a 30% payroll burden cost the employer 1,300, not 1,000: a fully loaded rate of 32.5 an hour.
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Land loan payment calculator
Financing 80,000 of land at 8.5% over 120 months means a fixed payment of 991.89 a month and 39,026.8 in total interest.
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Lease mileage calculator
Return a leased car with 42,000 miles on a 36,000-mile allowance at 0.15 a mile and you owe 900 for 6,000 extra miles.
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Lerner index calculator
A product priced at 10 with a marginal cost of 6 has a markup of 4 and a Lerner index of 0.4. Read market power as a single number without units, from zero at…
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Lifetime earnings calculator
A salary of 50,000 rising 3% a year adds up to 265,456.79 over 5 remaining working years, with 56,275.44 paid in the final year.
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Liquid net worth calculator
With 25,000 in cash, 40,000 in securities and 5,000 in other liquid assets against 12,000 of current debts, your liquid net worth is 58,000.
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Loan comparison calculator
Borrowing 25,000 at 5.5% over 36 months costs 2,176.4 in interest; at 7.9% over 48 months it costs 4,239.2, even though the payment is 145.75 lower.
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Loan interest calculator
Borrowing 10,000 at 6% for 5 years means 60 payments of 193.33 and 1,599.68 in total interest. See the full cost of a fixed-rate loan before you sign, not just…
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Loss ratio calculator
Incurred losses of 650,000 against earned premiums of 1,000,000 give a loss ratio of 65%: 65 cents of every earned premium dollar went to claims.
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Lost wages assistance calculator
A weekly benefit of 300 paid for 6 eligible weeks adds up to 1,800. Turn a FEMA supplement, an unemployment benefit or a stipulated weekly wage into the total…
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LTV calculator
A 320,000 loan on a property appraised at 400,000 has a loan-to-value of 80%, the usual line before private mortgage insurance.
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