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.
Shutdown-point price calculator
For a firm whose variable cost is 30q − 8q² + q³, average variable cost bottoms out at 14 at an output of 4: below a price of 14, producing nothing loses less.
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Total product from production function
With 4 units of labor, the function 10L + 5L² − 0.5L³ gives a total product of 88, a marginal product of 26 and an average product of 22: stage I, since 26 is…
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Bertrand duopoly equilibrium calculator
Two firms with a marginal cost of 20, facing demand that starts at a price of 100, both end up charging 20 and sell 40 units each with zero profit.
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N-firm concentration ratio calculator
A market of 6 firms whose four leaders hold 90% of sales has a CR4 of 90%, rated highly concentrated.
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Inflation rate from CPI calculator
Turn two published CPI readings into an inflation rate: an index that rises from 100 to 103 means 3% inflation, and each unit of currency buys 2.9126% less.
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Money supply from MV=PQ
Find the money stock consistent with the equation of exchange: with a velocity of 5, a price level of 2 and real output of 2500, nominal output is 5000 and the…
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Compound annual GDP growth rate calculator
GDP rising from 100 to 121 over 2 years grew 10% a year compounded, not 10.5%. Enter the starting and ending GDP and the years between them to get the compound…
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Purchasing power parity exchange rate calculator
If a basket costs 50 at home and 5 abroad, purchasing power parity implies 10 units of domestic currency per foreign unit.
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Autarky vs trade consumption calculator
Compare a country's consumption alone and with trade: in one example, 25 X and 12.5 Y become 25 X and 75 Y, a welfare gain of 144.948974278318%.
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Tariff-quota equivalence calculator
With a world price of 8, a tariff of 2 lifts the domestic price to 10 and cuts imports to 2, so a quota of 2 has the same effect, an ad valorem equivalent of…
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Real minimum wage calculator
A minimum wage of 10 in a year when the price index is 120, against a base of 100, keeps only five sixths of its face value in base-year prices: inflation has…
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Saddle point game theory calculator
In the matrix with rows (3, 1, 2), (4, 3, 5) and (2, 0, 4), the middle cell 3 is both its row's minimum and its column's maximum, so the game has a saddle point…
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Gini before vs after tax
Measure how much taxes and transfers even out incomes: in the example, the Gini falls from 0.4 before tax to 0.175 after, a reduction of 0.225 that removes…
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Profit at given output calculator
At 20 units sold for 40 each, revenue is 800 and cost is 500, so profit is 300. Enter your revenue and cost formulas and an output level to see profit, loss or…
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Gantt task end date calculator
A five-calendar-day task that starts on Thursday 23 July 2026 ends on Monday 27 July, because the start day counts as day one.
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Work hours overlap percentage calculator
A 9–17 day at UTC−5 and a 9–17 day at UTC+0 share only 3 hours, 14:00 to 17:00 UTC, which is 37.5% of the shorter day.
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Effort variance calculator
A task planned at 40 hours that took 48 shows an 8-hour overrun, or +20%, and is labeled as one; finishing in fewer hours than planned shows as a negative…
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No-meeting day time reclaimed calculator
A team of 8 people who each spend 90 minutes a day in meetings gets back 12 hours a week from one no-meeting day: 576 hours, or 72 person-days, over a 48-week…
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Time to complete task list calculator
Three tasks of 45, 30 and 15 minutes starting at 09:00 take 1h 30m and finish at 10:30. Enter your estimates in order and see each item's start and end, plus…
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Work-to-break ratio calculator
A 5:1 ratio over a 120-minute session gives 100 minutes of work and 20 of rest, and the two always add back to the session.
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Oversize parcel surcharge calculator
Catch a large-package fee before checkout: a 50 × 20 × 15 inch carton weighing 20 lb has a longest side over the 48-inch limit, so a 25 oversize fee lifts an…
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Shipping cost by zone calculator
Turn weight and distance into a zone-based delivery price: 2.5 kg at a local rate of 4 in zone 3, multiplier 1.55, gives a 15.50 zone charge, and 1.50 of…
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Cartons per pallet layer calculator
Turn a carton footprint into a layer count before you build the stack: 400 × 300 cartons on a 1200 × 800 pallet fit 6 aligned but 8 when rotated, covering 100%…
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Postage stamps needed calculator
With postage of 1.50 and stamps worth 0.73, you need 3 stamps: 2.19 on the envelope and 0.69 overpaid.
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Attrition rate calculator
Twelve departures with an average headcount of 80 is an attrition rate of 15%. Enter the leavers and the average workforce for any period and get the percentage…
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AVC calculator
Spend 1,200 on materials, labor and energy to make 100 units and your average variable cost is 12 per unit.
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Basis point converter
Twenty-five basis points are 0.25%, or 0.0025 as a decimal, and 100 basis points are exactly 1%. Turn any rate move or spread into the percent and decimal your…
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Stock beta calculator
Stock returns of 0.10, 0.20 and 0.30 against market returns of 0.05, 0.10 and 0.15 give a beta of 2: the stock moved twice as far as the index.
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Billable hours calculator
Forty hours worked at 150 an hour with two hours written off gives 38 billable hours and an invoice total of 5,700.
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Biweekly mortgage calculator
A 300,000 mortgage at 6.5% over 30 years is paid off in 24 years and 2 months with half-payments every two weeks, saving 88,119.97 in interest.
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Black Friday calculator
A list price of 100 cut to 70, plus a 10% coupon, ends at 63: you save 37, a true 37% off the original.
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Boat loan calculator
Financing 45,000 for a boat at 7.5% over 120 months means a monthly payment of 534.16, 64,098.96 paid in total and 19,098.96 in interest.
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Bradford factor calculator
Three separate absences adding up to 10 days give a Bradford factor of 90, because the number of spells is squared before multiplying by the days.
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Build Back Better tax calculator
Under the 2021 Build Back Better proposal, a single filer with 50,000 of taxable income would owe 6,617 in federal income tax, at a 22% marginal rate.
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Business budget calculator
Planned income of 60,000 from product sales and retainers, against 31,650.5 of rent, payroll, supplies and marketing, leaves a net balance of 28,349.5 for the…
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CAC calculator
Spending 50,000 on sales and marketing to win 200 new customers means a customer acquisition cost of 250 each.
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California stimulus check calculator
A single filer with 40,000 of California adjusted gross income and one dependent would have received 700 from the 2022 Middle Class Tax Refund: 350 base plus…
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UK capital gains tax calculator
A 20,000 gain with a 3,000 annual exempt allowance leaves 17,000 taxable; a basic-rate taxpayer selling shares or other assets pays 18%, which is 3,060.
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Car depreciation calculator
A car bought for 30,000 that loses 15% of its value each year is worth 13,311.16 after 5 years, or 44.3705% of its price, after 16,688.84 of depreciation.
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Car interest calculator
Finance 25,000 at 6.5% over 60 months and you pay 4,349.22 in interest on top of the car, at 489.15 a month.
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Carry trade calculator
Borrow 100,000 at 0.5%, invest it at 4.5%, lose 1.2% on the currency, and the carry trade still earns 2,746, a 2.746% net return.
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Cash flow to debt calculator
Operating cash flow of 200,000 against total debt of 1,000,000 gives a cash flow to debt ratio of 0.2, so one period of cash from operations covers a fifth of…
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Cash ratio calculator
Cash of 50,000 plus 30,000 in cash equivalents against 100,000 of current liabilities gives a cash ratio of 0.8, so the most liquid assets cover 80% of…
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Child tax credit calculator
Two qualifying children on a single return with 80,000 of adjusted gross income are worth a 4,400 child tax credit under the 2025 and 2026 rules.
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COGS calculator
Open with 20,000 of stock, buy 80,000, close with 15,000, and your cost of goods sold is 85,000. Enter the opening inventory, net purchases and closing count of…
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Auto loan calculator
Finance 25,000 at 6.5% for 60 months and your payment is 489.15 a month, yet the first one sends 135.42 to interest and only 353.73 to the loan.
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Average collection period calculator
Receivables of 45,000 against 365,000 of annual credit sales mean customers take 45 days on average to pay.
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Balance transfer calculator
Move 5,000 from a card at 24% to a 0% offer with a 3% fee, pay it off in 12 months, and you save 523.58 even after the 150 fee.
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Balloon payment calculator
Borrow 100,000 at 6% for 60 months, pay 500 a month, and you still owe the full 100,000 at maturity, because each payment only covers the interest.
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Bank reconciliation calculator
A statement balance of 12,450, with deposits in transit added and outstanding checks taken off, comes to 12,775.25, exactly what the books show, so the…
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Bi-weekly mortgage payment calculator
Borrow 300,000 at 6.5% over 30 years with 26 payments a year and each installment is 874.76, with 382,311.79 in interest over the life of the loan.
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Biden tax plan calculator
A single filer with 500,000 of taxable income would owe 149,147.25 under the Biden proposal versus 144,547.25 under prior brackets, a difference of 4,600.
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Bike EMI calculator
A two-wheeler loan of 80,000 at 10% a year over 24 months means an EMI of 3,691.59, or 88,598.16 in total, of which 8,598.16 is interest.
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Bill rate calculator
With 80,000 of yearly costs, 1,200 billable hours and a 25% margin, you need to charge 88.89 an hour, while 66.67 would only break even.
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Bitcoin ETF calculator
Ten shares bought at 20 and now priced at 25 are worth 250, a gain of 50 and a 25% return. Enter your own lot of IBIT, FBTC or any spot Bitcoin ETF and the…
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Biweekly pay calculator
An annual salary of 75,000 is a gross paycheck of 2,884.62 every two weeks, or 1,442.31 a week, on the 26-period payroll year.
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Black-Scholes calculator
A one-year call with the underlying and the strike both at 100, a 5% interest rate and 20% volatility is worth just over 10 under Black-Scholes.
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Blended rate calculator
A 200,000 mortgage at 4.25%, a 15,000 car loan at 6.9% and a 5,000 personal loan at 11.5% blend to a single rate below 5%, because the mortgage is most of what…
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Bond yield calculator
A bond with a face of 1,000, a 5% coupon and 10 years left, bought at 1,000, yields exactly 5% to maturity: at par, yield equals the coupon.
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Bond YTM calculator
A 1,000 bond with a 5% coupon, bought at 950 with 10 years left, yields 5.668718% to maturity, above its coupon because you also collect the 50 discount.
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