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.
Rule of 78 interest schedule calculator
Allocate a loan's interest by the Rule of 78: 780 of interest over 12 installments puts 120 in the first, 110 in the second and only 10 in the last.
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Second mortgage payment calculator
Borrow 50,000 at a fixed 8.5% over 15 years and the monthly payment is 492.37, with 38,626.56 of interest if you keep the loan to the end.
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Annualized return calculator
A 50% total gain over 5 years works out to about 8.45% a year, not 10%. Enter the total return and the years held to get the compounded yearly rate and the…
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Dividend Income Target Calculator
To collect 24,000 a year in dividends at a 4% yield, you need a portfolio of 600,000, the same as 2,000 a month.
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Dividend Reinvestment (DRIP) Calculator
Reinvesting every dividend turns 100 shares at 50, with a 4% yield paid quarterly and 6% yearly price growth, into 148.8864 shares after 10 years.
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Biweekly Mortgage Payoff Calculator
On 300,000 at 6.5% over 30 years, paying half the monthly payment every two weeks clears the loan nearly six years sooner and saves 88,121.78 in interest.
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Mortgage prepayment penalty calculator
A 2% penalty on a 250,000 balance is 5,000, so clearing the mortgage takes 255,000. Enter the outstanding balance and the percent in your note to see the fee…
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Reverse mortgage payout calculator
A home worth 500,000 with an age factor of 0.85 and a principal limit factor of 0.52 gives an estimated payout of 221,000.
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Four percent rule calculator
A 1,000,000 portfolio at the classic 4% rate supports about 40,000 a year, or 3,333.33 a month. Turn it around to see the nest egg your spending calls for, and…
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Time-weighted return calculator
Chain sub-period returns so deposits and withdrawals don't distort performance: a 3% period followed by a 4% period compounds to 7.12%, not 7%.
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Yield to call calculator
A bond bought at 980 and called in 4 years at 1,020, with a 5% coupon paid twice a year, yields just over 6% a year until it is called.
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Expense ratio return drag calculator
With 10,000 growing 8% a year for 20 years, a 1% expense ratio leaves you 7,912.73 short of the zero-fee result, more than a sixth of the final value.
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Margin of safety price calculator
If you value a share at 100 and it trades at 70, your margin of safety is 30%: you pay only 70% of estimated worth.
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PEG Ratio Calculator
A stock with a P/E of 30 and expected earnings growth of 20% has a PEG ratio of 1.5, so its price is high relative to that stated growth.
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Stock profit loss calculator
Buy 100 shares at 50, sell at 65, pay 7.5 in commission each way, and your net profit is 1,485, a 29.66% return on cost.
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Zero-coupon bond price calculator
Find what a zero-coupon bond is worth today: a face value of 1,000 at 5% a year with 10 years left is priced at 613.91, a discount of 386.09.
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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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