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.
Debt payoff calculator
Enter what you owe, the annual rate and a fixed monthly payment to see when one debt is gone: 5000 at 18% paid at 200 a month is cleared in 32 months, with…
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Debt snowball calculator
Clear the smallest balance first and roll each freed minimum into the next: cards of 800 and 2500 plus a 5000 loan, with 200 extra a month, are all paid off in…
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Debt-to-asset ratio calculator
See how much of the asset base creditors have financed: 400000 of total liabilities on 1000000 of total assets is a debt-to-asset ratio of 0.4, or 40%.
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Debt-to-capital ratio calculator
See the share of invested capital that lenders provide: 400000 of debt and 600000 of equity make 1000000 of capital, so the debt-to-capital ratio is 0.4, or…
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Debt-to-equity calculator
Get the classic leverage multiple in one step: 200000 of total liabilities on 100000 of shareholders' equity is a debt-to-equity ratio of 2, meaning two of…
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Defensive interval ratio calculator
Measure the cash runway in days: 365000 of liquid assets against 1000 of average daily operating expenses covers 365 days of ordinary operations, with no new…
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Deferred annuity calculator
Value a stream of equal payments that begins after a wait: 1000 a year for 10 years, starting after a 5-year deferral at 8%, is worth 4566.77 today, against…
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Deferred payment loan calculator
Borrow 10,000 at 6% a year for 2 years and you owe 11,200 in one payment at maturity, 1,200 of it interest.
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Depreciation calculator
A 10,000 machine with a 1,000 salvage value and a 5-year life loses 1,800 a year on a straight line and ends at a book value of 1,000.
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Direct material price variance
Pay 5.2 per unit against a standard price of 5 on 1,000 units and the purchase cost 200 more than budgeted, an unfavorable variance; 4.8 on 800 units saves 160.
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Discount rate calculator
If 1,000 today becomes 1,210 after 2 periods, the discount rate is 10% per period. Enter the present value, the future value and the number of periods to…
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Discretionary income calculator
With 80,000 of gross income, 16,000 in taxes and 42,000 of essential costs, 22,000 remains for savings, extra debt payments or wants.
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Dividend discount model
With 2.5 of dividend expected next year, a required return of 10% and growth of 4% forever, one share is worth 41.67 under the Gordon growth model.
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Dividend calculator
A company paying 2,000,000,000 in total dividends on 500,000,000 shares pays 4 per share, and at a share price of 50 that is an 8% yield.
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Double discount calculator
A price of 100 with 20% off and then another 10% ends at 72, so you save 28 rather than 30, because the second cut only applies to the 80 left.
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Down payment calculator
On a 400,000 home with 20% down, you bring 80,000 in cash and finance the other 320,000. Enter the price and the down payment percentage to see both amounts…
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Dream come true calculator
Aim for 50,000 in 5 years with 10,000 saved, 500 a month and an 8% yearly return, and you reach 51,636.89, a surplus of 1,636.89.
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DSCR calculator
Net operating income of 180,000 against 120,000 of annual loan payments gives a DSCR of 1.5: the property earns one and a half times what its debt costs each…
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DTI calculator
Monthly debt payments of 2,000 against a gross monthly income of 5,000 give a debt-to-income ratio of 40%, the figure lenders read before approving a loan.
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DuPont analysis calculator
Net income of 100,000 on sales of 1,000,000, with 500,000 of assets and 250,000 of equity, gives a 10% margin, an asset turnover of 2 and leverage of 2, for an…
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EAR calculator
A nominal 12% compounded monthly is really about 12.68% a year, while the same 12% compounded once a year stays at 12%.
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Early retirement calculator
Spending 40,000 a year at a 4% withdrawal rate means you need a nest egg of 1,000,000, which is 25 times your annual expenses.
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Earned value management
With 100,000 of work planned, 90,000 of work earned and 110,000 actually spent, the project is 20,000 over budget and 10,000 behind schedule, with a CPI of…
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Earnest money calculator
On a 400,000 home with a 3% earnest money deposit, you put down 12,000 when the offer is accepted, leaving 388,000 of the price to settle at closing.
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EBIT calculator
Revenue of 1,000,000 minus 600,000 of operating expenses, 50,000 of depreciation and 20,000 of amortization leaves an EBIT of 330,000, passing through an EBITDA…
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EBITDA multiple calculator
An enterprise value of 500,000,000 against EBITDA of 50,000,000 is a multiple of 10: a buyer pays ten times a year's operating cash earnings for the whole firm.
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EBT calculator
Revenue of 850,000 minus 620,000 of costs other than income tax gives earnings before tax of 230,000, a pretax profit.
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Economic injury disaster loan calculator
With average monthly operating expenses of 8,000 and 6 months of coverage, the working capital to request in an economic injury disaster loan comes to 48,000.
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EVA calculator
With 150,000 of after-tax operating profit, 1,000,000 of invested capital and a 10% cost of capital, the capital charge is 100,000 and EVA is 50,000: the…
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Effective annual yield
A 2% return over one quarter compounds to about 8.24% a year, not 8%, because each quarter's gain keeps earning in the next.
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Effective corporate tax rate calculator
A tax expense of 21,000 on pretax income of 100,000 is an effective corporate tax rate of 21%, the share of book profit that actually went to income tax after…
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Effective duration calculator
A bond priced at 100 that would rise to 101.5 if yields fell 0.25 points and drop to 98.6 if they rose 0.25 has an effective duration of 5.8.
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Effective interest rate calculator
Put in 1,000 and get back 1,210 after 2 periods, and the effective interest rate is 10% per period.
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ELSS calculator
100,000 invested in an ELSS fund at an expected 12% a year grows to 176,234.17 after 5 years, a gain of 76,234.17, with the units locked for the first 3 years.
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EMI calculator
Borrow 250,000 at 8.5% a year over 36 months and the EMI is 7,891.88, so you repay 284,107.68 in total, 34,107.68 of it interest.
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EMV calculator
A demand tree with a 0.2 chance of earning 100,000, a 0.5 chance of 40,000 and a 0.3 chance of losing 20,000 has an expected monetary value of 34,000.
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Ending inventory calculator
Start with 10,000 of inventory, add 25,000 of net purchases and sell goods that cost 20,000, and 15,000 should still be on the books, out of 35,000 available…
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Enterprise value calculator
Market cap of 1,000,000,000 plus 250,000,000 of debt, minus 50,000,000 of cash, gives an enterprise value of 1,200,000,000: what a buyer pays for the whole…
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EOQ calculator
With 1000 units of yearly demand, 10 per order and 0.5 to hold one unit for a year, the economic order quantity is 200 units: five orders a year and 50 in each…
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EPF calculator
A monthly salary of 50,000 with 12% from you and 12% from your employer, over 20 years at 8.25%, builds an EPF corpus of 7,077,837.34, of which 4,197,837.34 is…
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EPS calculator
Net income of 1,000,000 minus 50,000 of preferred dividends, spread over 500,000 weighted-average shares, gives basic earnings per share of 1.9, with 950,000…
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EPS growth calculator
If earnings per share go from 2 to 2.5, EPS growth is 0.25, a 25% rise; a drop from 4 to 3 shows as −0.25.
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Equivalent rate calculator
An annual rate of 12% is the same as 11.3865% compounded monthly, or 0.9488792935% each month: both reach the same growth by year end.
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EV to sales calculator
Divide an enterprise value of 500,000,000 by 250,000,000 of annual revenue and the EV/Sales multiple is 2: the market pays two times sales for the whole firm.
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Exit rate calculator
If last month brought in 50,000 of recurring revenue, the exit run rate is 600,000: that month multiplied by twelve, as quoted in board packs and term sheets.
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Expected return calculator
A 60% equity sleeve expected to earn 10% plus 40% in bonds at 4% gives a portfolio expected return of 7.6%, not the simple average of 7%.
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Expected utility calculator
Two equally likely outcomes, each with a probability of 1/2 and with utilities of 10 and 2, give an expected utility of 6: each probability times its utility…
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Expense ratio calculator
Operating expenses of 75,000 on average assets of 10,000,000 give an expense ratio of 0.0075, or 0.75% a year.
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FFO calculator
Net income of 1,000,000 plus 250,000 of depreciation and 50,000 of amortization, minus 80,000 of gains on property sales, gives funds from operations of…
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FHA loan calculator
A 300,000 FHA loan at 6.5% over 30 years costs 2,066.89 a month: 1,929.39 of principal and interest plus 137.5 of mortgage insurance, with the 1.75% upfront…
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Fibonacci retracement calculator
For a swing from 0 to 100, the 61.8% retracement sits at 38.2 on a pullback and at 61.8 on a bounce.
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FICA tax calculator
On 60,000 of wages, a single filer owes 4,590 in FICA: 3,720 of Social Security at 6.2% and 870 of Medicare at 1.45%.
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FIFO inventory calculator
Buy 100 units at 10 and 50 at 12, sell 120, and FIFO gives a cost of goods sold of 1,240 and ending inventory of 360: the 30 newest units at 12.
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Finance charge calculator
Borrow 20,000, repay 23,947.2 in total, and the finance charge is 3,947.2: every amount you pay above what was advanced.
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Financial leverage ratio calculator
Total debt of 200,000 against 100,000 of equity gives a financial leverage ratio of 2: two of debt for every one of equity, read as a multiple, not a percent.
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FIRE calculator
Spending 40,000 a year at a 4% withdrawal rate needs a portfolio of 1,000,000. With 100,000 saved, 30,000 added each year and a 7% return, you reach it in…
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Fisher effect calculator
An 8% nominal rate, entered as 0.08, against 3% inflation, entered as 0.03, leaves an exact real rate of 0.04854368932, about 4.85%, not the 5% that simple…
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Fisher equation calculator
With a 5% nominal rate and 3% expected inflation, the real interest rate is 1.94174757%, while the quick subtraction says 2%.
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Fixed asset turnover calculator
Net sales of 500,000 on 250,000 of average net fixed assets give a fixed asset turnover of 2: two of sales for every one invested in plant, property and…
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Fixed deposit calculator
Deposit 100,000 at 7.5% for 5 years, compounded quarterly, and it matures at 144,994.8, with 44,994.8 of interest.
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