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.
Lumpsum plus SIP calculator
Investing 100,000 today plus 5,000 a month at 12% a year grows to 1,480,232.14 in 10 years, from 700,000 actually put in.
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Margin calculator
Revenue of 100,000 with 60,000 in cost of goods sold leaves 40,000 of gross profit, a 40% margin: 40 cents of every sales dollar.
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Margin call calculator
Buy a share at 40 with 50% initial margin under a 25% maintenance requirement, and your broker calls for more cash if the price falls to twenty-six and two…
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Margin-discount calculator
To keep a 25% margin on an item costing 60 while advertising 20% off, print 100 on the ticket: after the discount it sells for 80, and 20 of that is profit.
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Marginal cost calculator
If producing 10 more units raises total cost by 50, each extra unit costs 5. Turn two production snapshots into the cost of one more unit for pricing, a cost…
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Post Office MIS calculator
A deposit of 100,000 at 7.4% a year pays 616.67 every month, sixty payments over the five-year term, and the full 100,000 comes back at maturity.
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Powerball calculator
With a 400,000,000 jackpot, a ticket costing 2 and 292,201,338 combinations, your odds are 1 in 292,201,338 and the jackpot adds just over 1 per ticket, so the…
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Pre- and post-money valuation
A 2 million investment into a company valued at 8 million before the round makes it worth 10 million after, so the new investor owns 20% and existing holders…
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Price per sqft calculator
A home sold for 450,000 with 1,800 square feet of interior floor works out to 250 per square foot, a single figure you can line up against nearby sales of any…
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Price per square meter calculator
A property priced at 250,000 with 80 square meters of floor area comes to 3,125 per square meter, so flats of different sizes can be ranked on the same footing.
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Price quantity calculator
A unit price of 12.5 times 4 units gives a line total of 50, and 2.5 metres of fabric at 10 a metre gives 25.
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Price to sales ratio calculator
A market capitalization of 500,000,000 against total revenue of 250,000,000 gives a price-to-sales ratio of 2: the market values the equity at twice its annual…
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Private savings calculator
With national income of 10,000, taxes of 2,000 and consumption of 6,500, disposable income is 8,000 and private savings come to 1,500.
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Profit calculator
Revenue of 125,000 minus costs of 87,500 leaves a profit of 37,500. Enter both totals for the same period and currency and get the signed amount, negative when…
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PVGO calculator
A share quoted at 50 with earnings per share of 4 and a required return of 0.10 has a no-growth value of 40, so 10 of its price is the present value of growth…
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PVIFA calculator
At 10% per period over 5 periods, the ordinary annuity factor is 3.790786769408: a level payment at the end of each period is worth that many payments today.
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Rate of pay calculator
Pay of 800 for 40 hours of work is a rate of 20 per hour. Turn what a shift, a week or a gig actually paid into an hourly figure you can compare with the posted…
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Real estate commission calculator
A 6% commission on a 400,000 sale is 24,000, the amount that leaves the closing table before anyone talks about splits, taxes or title fees.
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Real estate commission with VAT calculator
A sale of 250,000 at a 3% commission with 21% VAT gives a net commission of 7,500, VAT of 1,575 and a total of 9,075 owed to the agency.
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Receivables turnover calculator
Net credit sales of 365,000 on average receivables of 50,000 give a receivables turnover of 7.3: the credit book was collected 7.3 times in the period.
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Remote vs on-location workers
A remote job at 90,000 against an office job at 100,000 with 18,000 a year of commuting saves you 16,000 over 2 years by working remotely.
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Rent calculator
With a gross annual income of 60,000 and 30% set aside for housing, you can carry a monthly rent of 1,500.
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Rent increase calculator
A 5% increase on a current rent of 1,500 adds 75, so the new rent is 1,575. Landlords get both lines for the renewal letter, and tenants can check a notice…
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Residual income calculator
Net operating income of 50,000 on 200,000 of invested capital with a 10% required return leaves a residual income of 30,000 after a capital charge of 20,000.
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Retained earnings calculator
Opening retained earnings of 100,000, net income of 40,000 and dividends of 15,000 close the period at 125,000, a change of 25,000.
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Retention ratio calculator
Net income of 100,000 and dividends of 40,000 leave 60,000 retained, a retention ratio of 0.6, or 60%. See how much of the period's profit stays in the company.
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Revenue calculator
Selling 250 units at 19.99 each brings in total revenue of 4,997.5. Turn a unit count and a selling price into one top-line figure before you open a full income…
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Revenue growth calculator
Revenue that rose from 100,000 to 120,000 grew by 20%, an increase of 20,000 over the previous period.
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Revenue per employee calculator
A company with revenue of 5,000,000 and 25 employees generates 200,000 of revenue per employee. Set that productivity figure against peers, last year or pay per…
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ROA calculator
Net income of 80,000 on total assets of 1,000,000 gives a return on assets of 8%. Compare how efficiently companies of different sizes turn their assets into…
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ROAS calculator
Ads that cost 1,000 and brought in 4,000 of attributed revenue have a ROAS of 4: four units of revenue for every unit spent.
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ROIC calculator
NOPAT of 150,000 on invested capital of 1,000,000 gives a return on invested capital of 15%, or 0.15.
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Roth IRA calculator
Put 6,500 into a Roth IRA every year for 30 years at 7% and the balance reaches 613,995.11, of which 418,995.11 is tax-exempt growth.
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RSI calculator
Fifteen daily closes with the standard 14-period lookback give an RSI just over 70, which lands in the overbought band.
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RV loan calculator
Financing 85,000 on a motorhome at 6.99% over 180 months means 763.53 a month. Enter the amount after your down payment, the APR and the months on each dealer…
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SaaS metrics calculator
200 subscribers paying 49 a month with 10 cancellations give MRR of 9,800, a 5% churn rate and a customer lifetime value of 980.
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Safety stock calculator
Peak usage of 50 units a day over a 14-day worst lead time, against 30 a day over 10 typical days, calls for 400 units of safety stock.
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Salary inflation calculator
At 3% inflation, a 50,000 salary has to grow to 57,963.70 in five years just to buy what it buys today, a gap of 7,963.70.
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Sales calculator
A sale of 100 at 8.25% carries 8.25 in tax, so the customer pays 108.25. Enter the amount before tax and the rate you already know, and get both figures for a…
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Sales commission calculator
Five percent of a 10,000 sale is 500, and a 250 contest bonus on top makes the commission 750. Enter the sale, the agreed rate and an optional flat bonus, and…
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Savings calculator
Start with 1,000, add 100 a month at 5% for 10 years and the balance reaches 17,175.24: 13,000 of your own money and 4,175.24 of interest.
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Savings plan calculator
A plan of 1,000 up front and 100 a month at 5% for 10 years ends at 17,175.24, of which 4,175.24 is interest on the 13,000 you deposit.
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Savings withdrawal calculator
12,000 with 1,000 taken out each month at 0% lasts exactly 12 months. Add your balance, the monthly withdrawal and the interest rate, and see when the account…
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Scrap gold calculator
Ten grams of 18-karat gold hold 7.5 grams of pure gold, worth 600 at a quote of 80 per gram. Enter the weight, the karat stamp and the price you were quoted to…
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UK SDLT calculator
A 400,000 pound home bought as a standard purchase owes 10,000 pounds in stamp duty, an effective 2.5%.
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Second stimulus check calculator
A single filer with 50,000 of adjusted gross income and one qualifying child was due the full 1,200 dollars from the second stimulus round.
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Semi-monthly pay calculator
An annual salary of 72,000 paid twice a month gives 24 gross checks of 3,000 each, or 6,000 a month.
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Simple mortgage calculator
A 250,000 mortgage at 6.5% over 30 years costs 1,580.17 a month in principal and interest. Enter the amount, rate and term to compare quotes on the figure that…
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Simple savings calculator
Open with 1,000, add 100 every month at 5% interest and after 10 years the account holds 17,175.24, including 4,175.24 of interest.
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SIP India calculator
A SIP of 5,000 a month at an expected 12% for 10 years grows to 1,161,695.38 on 600,000 invested. Each installment counts from the start of the month, the…
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Software contract value calculator
A license at 499 a month for 12 months with a 1,500 setup has a total contract value of 7,488, of which 5,988 is subscription.
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Spending multiplier calculator
With a marginal propensity to consume of 0.8 the multiplier is 5, so an injection of 100 lifts equilibrium output by 500.
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SSY calculator
Depositing 150,000 a year for 15 years at 8.2% builds an SSY account worth 7,182,119.17 when it matures at year 21, on 2,250,000 paid in.
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State income tax calculator
With brackets of 2%, 4%, 6% and 8%, a taxable income of 80,000 owes 3,800 in state tax, an effective 4.75% even though the last dollar pays 6%.
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HEALS Act stimulus check calculator
Under the HEALS Act proposal, a single filer with 40,000 of adjusted gross income and one dependent would have received the full 1,700: 1,200 for the adult plus…
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HEALS vs HEROES stimulus calculator
A single filer with 50,000 of income and two dependents would have received 2,200 under the Senate's HEALS Act and 3,600 under the House's HEROES Act, a gap of…
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Stock profit calculator
Buying 100 shares at 50 and selling at 65 with 9.95 in fees leaves a net gain of 1,490.05, a return of 29.7418% on the cash you put in.
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Stock average calculator
100 shares bought at 10 plus 50 shares at 16 cost 1,800 for 150 shares, an average of 12 per share, because the bigger lot pulls the average toward its own…
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Stock split calculator
After a 2-for-1 split, 100 shares at 50 become 200 shares at 25, and the position is still worth 5,000.
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Student loan forgiveness calculator
On an 80,000 balance with 55,000 of income and a household of two, 20 years of payments at 193.96 a month total 46,550, leaving 33,450 to be forgiven.
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