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.
Calculate Net Promoter Score
Six ratings of 10, 9, 8, 7, 6 and 3 give two promoters, two passives and two detractors, so the NPS is 0.
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Calculate Survey Response Rate from Sent and Completed Surveys
236 completed surveys out of 800 sent is a 29.5% response rate. Enter the two counts from the same campaign and get the percentage at once, with checks that…
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API cost per request estimator
On a plan that includes 100,000 calls, using 125,000 means 25,000 extra calls billed at the overage rate.
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Cloud instance effective hourly cost and reserved breakeven calculator
Put a monthly cloud reservation and an hourly on-demand rate on the same footing: you get the reservation's effective hourly cost and its breakeven, such as 500…
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SLA uptime credit calculator
Turn a month's measured uptime into the service credit you are owed: at 99.5 % uptime, a 99 to 99.9 % tier worth 10 % turns an eligible bill of 2500 into a…
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Phone installment payoff calculator
A phone balance of 749.99 paid at 31.25 a month needs 24 more payments, the last one 31.24. See how many months are left and what clears the device today before…
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Compare streaming subscription total cost
Three streaming services that cost 48.49 a month together add up to 581.88 a year, and the priciest one alone accounts for 294 of it.
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Debt yield calculator
A property with 50,000 of net operating income and a 500,000 loan has a debt yield of 10%: its income equals a tenth of the amount borrowed.
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50% rule operating expense estimate
The 50% rule says about half of a rental's gross rent goes to operating expenses, mortgage excluded: 2,000 a month in rent means roughly 1,000 in expenses and…
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Gross rent multiplier (GRM)
Divide a property's price by its annual gross rent to get its gross rent multiplier: 300,000 for a property that rents for 24,000 a year gives a GRM of 12.5.
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Rule of 72 doubling time
Divide 72 by the annual rate to see roughly how long money takes to double: at 6% it is about 12 years. Or start from the years and get the rate you would need.
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Calculate CAC to LTV ratio
When a customer's lifetime value is four times what it cost to win them, the ratio is 4:1 and clears the common 3:1 rule of thumb for a healthy business.
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Calculate Total Employee Cost from Salary and Overhead
A salary of 80,000 really costs 114,120 a year, or 9,510 a month, once the default 30% benefits, 7.65% employer payroll taxes and 5% equipment are added.
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Calculate profit margin percentage
Revenue of 250,000 with a cost of goods sold of 150,000 leaves a gross profit of 100,000 and a gross margin of 40%.
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PTO accrual balance calculator
Earning 4.25 hours over 18 pay periods adds up to 76.5, but a policy maximum of 60 holds the balance at 60. You see both figures and whether the cap kicked in.
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Return on ad spend calculator
Spend 1000 on ads, see 4000 in attributed revenue, and your ROAS is 4, or 400%: four units back for each one spent.
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Competitor price positioning calculator
If 2 of 4 competitors charge less than you and 1 charges the same, your price sits at the 75th percentile, shown next to the competitors' average price.
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Economic order quantity calculator
With 1,000 units a year, 10 per order and 0.5 to hold one unit for a year, the best order size is 200: five orders a year and an annual inventory cost of 100…
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Founder equity dilution calculator
A founder who owns 80% and gives 20% of the company to new investors keeps 64%, a drop of 16 percentage points.
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TAM, SAM and SOM Calculator
A total market of 500,000,000 with 30% you can serve and 8% of that you can win gives a SAM of 150,000,000 and a SOM of 12,000,000.
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Net present value calculator for cash flows
Invest 1,000 today and receive 400, 500 and 600 over three periods at a 10% rate, and the NPV comes out positive.
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Subscription customer LTV calculator
A customer paying 50 a month at 70% gross margin with 5% monthly churn is worth 700 over the relationship: 35 of monthly contribution across an average lifetime…
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Email campaign open rate calculator
Send 10,000 emails, deliver 9,600 and record 2,304 opens, and you have a 96% delivery rate and a 24% open rate.
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Mortgage escrow monthly reserve calculator
Add up the yearly property tax and homeowners insurance and spread them over 12 months: 3,600 in tax plus 1,200 in insurance means an escrow reserve of 400 a…
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Check rental application income-to-rent ratio
See at a glance whether an applicant meets a three-times-rent rule: 7,500 of gross monthly income against 2,400 in rent is a multiple of 3.125, above the 7,200…
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Security deposit limit calculator
Turn a rule like two months of rent into an exact ceiling: with rent of 1,850.5 and a limit of 2, the maximum deposit is 3,701, so a 4,000 request is 299 over.
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Multi-agent real estate commission split
Enter the gross commission and two percentages to see who gets what: on 10,000 with a 30% brokerage split and a 25% referral fee, the referral is 2,500, the…
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Generate a move-in condition walkthrough checklist
Build a move-in inspection list before the boxes arrive: an apartment with 2 rooms gets 7 sections, from Room 1 and Room 2 to kitchen, bathroom, entrance…
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Property Management Fee Calculator
Split one month's rent into fees and owner income: 2,500 in rent with an 8% management fee costs 200, and a 500 leasing fee brings total fees to 700, leaving…
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Rent split calculator by room size
Split rent fairly by bedroom size: 3,200 shared across rooms of 180, 140 and 100 square feet comes to 1,371.43, 1,066.67 and 761.9, which add back exactly to…
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New home utility setup checklist
Know which service to order first before you move: internet needs about 21 days, electric and gas 14, water and trash 7, so the checklist puts broadband at the…
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Customs duty estimate from declared value and category rate
Plan landed costs with a duty figure you can audit: a declared value of 1,250 in the footwear category at 12.5% gives an estimated duty of 156.25.
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Freight class from density
Pre-check a freight class before you request LTL rates: 200 pounds in 20 cubic feet is a density of 10 PCF, which falls in the 9 to 10.5 band and maps to class…
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Boxes per pallet calculator
Get a stacking estimate you can inspect: 40 × 30 × 25 boxes on a 120 × 100 pallet place 9 per layer standard against 8 rotated, and 6 layers within 150 use…
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Warehouse storage slot utilization calculator
720 occupied slots out of 800 is 90% utilization, with 80 slots available and a warning because it is above the 85% planning threshold.
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Check whether an address is within a delivery zone radius
Decide in one step whether an address is in your delivery zone: one measured 6.283267 km from the hub in a straight line falls inside a 10 km radius.
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Pick and pack time estimate
Know how long an order takes before you promise a ship-by time: 12 items at 0.75 minutes each take 9 minutes to pick, and 3 minutes of packing bring the total…
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Mortgage affordability calculator
Work out how much house your income can carry: 120,000 a year with 1,000 in monthly debts and a 36% target leaves 2,600 a month for the mortgage, which supports…
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Down payment calculator
Find out how much cash a home purchase needs upfront and how much is left to borrow: 20% down on a 425,000 home is 85,000, leaving a loan amount of 340,000.
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Lease rent escalation calculator
See how a fixed yearly rent increase compounds over a lease: 24,000 rising 3% a year becomes 24,720 in year 2 and 27,012.21 in year 5, for a total of 127,419.26…
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Calculate cart abandonment rate from carts and checkouts
Measure how many shopping carts slip away before checkout: 1,250 carts created and 425 completed checkouts mean 825 abandoned carts and a 66% abandonment rate.
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Calculate target price for margin from product cost
Find the price that protects your margin: an item costing 40 needs to sell for 50 to keep a 20% margin, leaving 10 profit per item.
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Calculate average order value from revenue and orders
See what each order brings in on average: 1,250.50 in revenue from 25 orders gives an average order value of 50.02, in the same currency as the revenue.
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Quarterly Compound Interest Calculator
10,000 at 5% a year, compounded quarterly for 10 years, grows to 16,436.19, of which 6,436.19 is interest.
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Effective Annual Rate Calculator
A 12% nominal rate compounded 12 times a year is really 12.682503% a year. Enter the stated rate and how often interest is added to see the true yearly rate and…
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Rule of 72 required rate
Say how many years you allow for your money to double and get the yearly return you would need: 9 years means about 8% a year, because 72 divided by 9 is 8.
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Annuity payment from future value calculator
Work out the equal deposit that grows to a target such as 100,000 over 120 periods at 0.5% per period, and see how much you pay in and how much interest adds.
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Effective rate including fees calculator
A 200 fee on 10,000 over 4 years adds 0.5 points a year, so a 5% stated rate becomes 5.5% all in. Enter the amount, rate, fee and term to compare offers fairly…
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Future Value of Ordinary Annuity Calculator
Saving 500 at the end of each month for 120 months at 0.5% a month grows to 81,939.67: 60,000 from your deposits and 21,939.67 in interest.
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Implied interest rate calculator
Find the steady rate that turns one amount into another: 1,000 growing to 1,210 over 2 periods means 10% per period.
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Loan refinance savings calculator
Check whether refinancing really pays: moving 250,000 from 6.75% with 300 months left to 5.5% over 240 months saves only 7.56 a month, yet 100,451.26 over the…
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Loan total interest calculator
Borrow 250,000 at 6.5% for 30 years and you pay 318,861.22 in interest, more than the loan itself.
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Negative Amortization Balance Calculator
On 200,000 at 6%, the first month charges 1,000 of interest; pay only 500 and the unpaid 500 is added, so the balance becomes 200,500.
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Perpetuity Present Value Calculator
A payment of 1,250 a year forever, discounted at 6.25% a year, is worth 20,000 today: the payment divided by the rate.
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Student Loan Payment Calculator
A 30,000 student loan at 5.5% over 10 years costs 325.58 a month across 120 payments, with 9,069.46 of interest in total.
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Loan APR from fees calculator
See what financed fees really cost: borrowing 200,000 at 6.5% for 360 months with 4,000 of fees rolled in gives a true APR of 6.6914%, not 6.5%.
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15 vs 30 year mortgage calculator
On 400,000, a 15-year loan at 5.75% costs 793.37 more each month than a 30-year loan at 6.5%, yet saves 312,282.69 in interest.
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Home affordability calculator
With 120,000 a year in income, 750 in monthly debts and 60,000 down, a 30-year loan at 6.5% supports a home of about 397,937.83.
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Mortgage PMI cost calculator
On a 280,000 loan at 6.5% with a 0.55% PMI rate, insurance costs 128.33 a month for 156 months, 20,020 in total, until the balance reaches 218,400.
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Discount Points Break-Even Calculator
Paying 1.25 points on 400,000 costs 5,000 upfront; if it cuts the monthly payment from 2,530.27 to 2,421.79, you recover it in 46.09 months, fully by month 47.
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