Present Value for Annuity
Calculate the present value of an annuity instantly. Enter the periodic payment, annual interest rate, number of years, and compounding frequency to find what a stream of future payments is worth today.
Finance Calculators for Loans, Investing and Business
Explore finance calculators for borrowing, saving, investing, retirement planning, and business decisions. Use the Loan Calculator, Mortgage Payment calculator, and Amortization Schedule to estimate payments and see how debt changes over time. The Compound Interest and Retirement Planner calculators help you explore savings growth and long-term goals.For investment analysis, try Net Present Value (NPV), Yield to Maturity (YTM), or Sharpe Ratio. Business owners and analysts can use Break Even, Economic Order Quantity, and Debt Coverage Ratio to examine costs, inventory, and financial performance. These tools are useful whether you are comparing personal finance options or reviewing business figures.
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Monthly Investment Savings
Calculate how much you need to invest each month to reach a future savings goal. Enter your target amount, expected annual interest rate, and time horizon to get the required monthly contribution.
Exponential Moving Average (EMA)
Calculate the Exponential Moving Average (EMA) of any asset. Enter yesterday's EMA or price, today's price, and the period in days to get the smoothed, trend-weighted average instantly.
Loan Balance
Find out how much you still owe on a loan after a given number of payments. Enter the original loan amount, monthly payment, annual interest rate, and months elapsed to get your remaining balance.
Gordon Growth Model
Estimate the fair value of a stock with the Gordon Growth Model. Enter the expected dividend next year, your required rate of return, and the dividend growth rate to get the implied stock price.
Number of Loan Payments
Find out how many payments it takes to repay a loan. Enter the loan amount, the payment you make each period, the annual interest rate, and the compounding frequency.
Price Increase, Decrease Percentage
Calculate the percentage increase or decrease between an original price and a new price. Enter both prices to see the exact price change and whether it went up or down.
Loan Amount
Find out how much you can borrow based on the payment you can afford. Enter your payment amount, loan term in years, interest rate and compounding frequency to get the loan amount.
Mortgage Payment
Estimate your fixed monthly mortgage payment and the total interest you will pay over the life of the loan. Enter the loan amount, annual interest rate, term in years, and any extra monthly payment.
Credit Card Payoff
Estimate how many months it will take to pay off your credit card balance. Enter your outstanding balance, annual interest rate, and monthly payment to see your payoff timeline.
Required Rate of Return
Estimate the required rate of return on a dividend-paying stock using the Gordon Growth Model. Enter the current annual dividend, stock price, and expected dividend growth rate to get the result instantly.
Return on Investment
Calculate the return on investment (ROI) of any project or asset in seconds. Enter your initial investment and total earnings to see your profit or loss as a percentage.
Retirement Planner
Estimate your retirement income gap in seconds. Enter your current savings, years until retirement, target income and passive income to see the extra principal you need.
Closing Costs
Estimate the closing costs and total cash to close on a home purchase. Enter the price, down payment, loan type and fee amounts to get an itemized breakdown of lender, third-party, government and prepaid charges.
Interest Rate
Estimate the interest rate of a loan or investment when you know the principal, the regular payment, and the number of periods. Enter three values and get the approximate rate per period.
Mortgage APR
Estimate the true Annual Percentage Rate (APR) of a mortgage by combining the nominal interest rate with closing costs and discount points. Enter your loan amount, rate, term, fees and points to see the real cost of borrowing.
Pre-Payment Penalty
Estimate the penalty for paying off your mortgage early and the total payoff amount. Enter your remaining loan balance and the calculator applies a standard 2% pre-payment penalty.
Loan Repayment
Estimate your monthly loan payment (EMI) and the total amount you will repay over the loan term. Enter the loan amount, annual interest rate, and term in years to see the results instantly.
LTV
Quickly compute your loan-to-value (LTV) ratio, combined CLTV, and home equity from your mortgage balances and property value — or plan the loan amount and down payment needed to hit a target LTV. Enter an appraised value, purchase price, and up to two mortgages.
Mortgage Discount Points (Buying Points)
Estimate the cost of buying mortgage discount points, the monthly savings from a lower rate, and how many months it takes to break even. Enter loan amount, term, both rates, and points.
Roth vs. Traditional IRA
Compare the after-tax future value of a Roth IRA and a Traditional IRA. Enter your annual contribution, years to retirement, expected return, and retirement tax rate to see which account leaves you with more.
Future Value of Annuity
Estimate how much a series of equal periodic payments will grow to at a fixed interest rate. Enter the payment amount, rate per period, and number of periods to get the future value instantly.
Investment Payment
Estimate how many periodic payments it takes to reach a future investment goal. Enter your target amount, payment, annual interest rate and compounding frequency to see the number of periods.
CPF Calculator Singapore
Calculate your monthly CPF contributions in Singapore based on your salary and the prevailing employee and employer contribution rates. Get the employee, employer and total amounts instantly.
Current Price
Estimate the fair value of a dividend-paying stock with this Current Price Calculator. Enter the annual dividend, required rate of return, and dividend growth rate to apply the Gordon Growth Model.
Roth Individual Retirement Account
Estimate how much your Roth IRA will be worth at retirement. Enter your annual contribution, years to save, and expected annual return to see the future value and tax-free withdrawal amount.
Amortization
Calculate the monthly payment for any amortizing loan — mortgage, auto, or personal. Enter the loan amount, annual interest rate, and term in years to see your fixed payment and how much interest it includes.
Annuity Payment
Calculate the fixed annuity payment for a loan: enter the loan amount, annual interest rate, and term in years to find the equal periodic payment that fully repays the loan.
Profitability Index
This Profitability Index Calculator helps you evaluate an investment by comparing the present value of future cash flows to the initial investment. Enter both amounts to see the PI value and an accept or reject decision.
Reverse Mortgage Loan
Estimate how much you can borrow against your home with a reverse mortgage. Enter your property value, LTV ratio, interest rate, and payout frequency to see the installment amount you could receive.
Blended Rate
Calculate the blended interest rate of two loans with different amounts and rates. Enter each loan's balance and rate to find the weighted average rate you effectively pay.
Employee Provident Fund (EPF)
Estimate how much your Employee Provident Fund (EPF) will grow to by retirement. Enter your current age, EPF balance, monthly basic pay and dearness allowance, contribution rate, and expected annual salary hike to project your total EPF corpus.
Credit Card Minimum Payment
Calculate your credit card minimum payment instantly. Enter your outstanding balance, the minimum payment percentage, and the fixed minimum amount to see what you must pay each month.
Amortization Schedule
Calculate the monthly payment, total payment, and total interest for any fixed-rate loan, and see how each payment is split between principal and interest in an amortization schedule. Enter loan amount, interest rate, and term.
Estimate at Completion (EAC)
Forecast the total cost of your project at completion using four EAC methods based on earned value metrics. Enter actual cost, budget, earned value, and performance data to see the expected final cost.
Interest Only Payment
Estimate the monthly payment on a loan during an interest-only period. Enter the loan amount and annual interest rate to see how much interest you owe each month without reducing the principal.
Mortgage Calculator
Estimate your monthly mortgage payment by entering the loan amount, annual interest rate, and loan term in years. The result shows the fixed principal-and-interest payment you would make each month.
Personal Loan
Estimate a personal loan's monthly payment, total interest, effective APR including the origination fee, and payoff date. Enter the loan amount, APR, term, and fee to see a full amortization schedule.
Hourly Wage to Salary
Convert your hourly wage into daily, weekly, monthly, and annual salary. Enter your hourly rate and average working hours per day to see your estimated earnings.
Present Value for Future Value
Calculate the present value of a future lump sum. Enter the future amount, annual interest rate, number of years, and compounding frequency to discount it to today's value.
Refinance Breakeven Point
Find out how many months it takes to recover your refinancing costs. Enter your loan balance, current payment, new rate, term and closing costs to see your break-even point and total savings.
Investment Payment Amount
Estimate the periodic payment for an investment loan. Enter the desired amount, down payment, closing costs, interest rate, term, and compounding frequency to see the required payment.
Loan Comparison
Compare two loans side by side: enter the amount, interest rate, and term for each, and instantly see the monthly payment, total payment, and total interest for both options.
Cash Conversion Cycle
Enter Days Inventory Outstanding (DIO), Days Sales Outstanding (DSO), and Days Payables Outstanding (DPO) to instantly calculate your Cash Conversion Cycle (CCC) in days and see how long cash stays tied up in operations.
Mortgage Payoff
See how extra monthly, one-time, or yearly payments could change your mortgage payoff month and total interest. Enter your current balance, rate, and remaining term or monthly principal-and-interest payment.
Real Estate Commission
Estimate the total real estate commission, how it splits between the listing and buyer's agents, each agent's take-home after the brokerage split, and the seller's net proceeds from the sale. Enter the sale price, commission structure, splits, closing costs and mortgage payoff.
Sales Funnel
Enter your website visitors, leads, qualified leads, customers, and average order value to see the conversion rate at each sales funnel stage and the total revenue generated.
Future Value for Single Payment
Calculate the future value of a single lump-sum payment with compound interest. Enter the present amount, annual interest rate, and number of years to see how your one-time investment grows.
Auto Loan EMI
Estimate your monthly car loan payment (EMI), total payment, and total interest by entering the loan amount, annual interest rate, and loan term in years.
Credit Card Balance Transfer
Estimate the true cost of moving credit card debt to a new card. Enter your transferred balance, the transfer fee, and the repayment term to see the new balance and the monthly payment needed to clear it.
Insurance Premium Payment
Estimate the total fund amount you will pay into an insurance policy. Enter your premium, choose monthly or yearly payments, and select a policy term to see the cumulative total.
Loan Calculator
Estimate your monthly loan payment, total payment, and total interest. Enter the loan amount, annual interest rate, and term in years to see the full cost of the loan.
Biweekly Mortgage Loan Payment
Estimate your biweekly mortgage payment from the loan amount, annual interest rate, and term. See the biweekly payment, total paid, and total interest over the life of the loan.
Business Loan
Estimate the payment, total cost and effective APR of a business loan, including amortizing term loans and factor-rate merchant cash advances. Enter the amount, rate or factor, term and fees, and the calculator also shows your DSCR.
FHA Loan
Estimate the full monthly payment on an FHA loan, including upfront and annual mortgage insurance premiums (MIP), property tax, insurance, and HOA dues. Enter the home price, down payment, rate, and term.
Present Value of Growing Perpetuity
Calculate the present value of a growing perpetuity — an infinite stream of payments that grows at a constant annual rate. Enter the first payment, discount rate, and growth rate to get the PV instantly.
Down Payment
Estimate how different down payment sizes (0% to 20%) affect your monthly loan payment. Enter the loan amount, interest rate, and term to compare scenarios instantly.
Loan Payment Amount
Calculate your fixed monthly loan payment from the loan amount, annual interest rate, and term. Works for mortgages, auto loans, and personal loans with amortizing payments.
RV Loan
Estimate your RV loan payment, total interest and the total cost of the purchase, then add yearly ownership costs like insurance, storage, maintenance and fuel to see the true monthly cost of owning an RV.
Auto Loan
Estimate your monthly car payment and total interest cost from the car's price, down payment, loan term, and annual interest rate. Compare annuity and classical (declining) repayment schedules side by side.
Boat Loan
Estimate your monthly boat loan payment plus the real cost of ownership — insurance, maintenance, storage and fuel. Enter the boat price, down payment, trade-in, tax, fees, APR and term to see the true monthly cost.
DTI Ratio
Calculate your housing and total debt-to-income ratios from your gross income and required monthly payments. Enter income as monthly or annual amounts, and enter every debt payment as a monthly amount.
Annual Payment on Future Value
Calculate the annual payment needed to reach a future savings goal. Enter your target future value, annual interest rate, and number of years to find the yearly deposit required.
Annuity Payment Factor
Calculate the annuity payment factor from the interest rate per period and the number of periods. Enter the annual rate and term to get the factor used to compute fixed loan or annuity payments.
Mortgage Recast
See how a one-time lump-sum principal payment recasts your mortgage. Enter your loan details to compare your monthly P&I, total interest and fee break-even before and after the recast.
Retirement Plan
This Retirement Plan Calculator helps you estimate the amount you will accumulate before retirement and how much you need to fund your retirement period.
Annuity Payout
Calculate the lump sum (present value) needed today to fund a series of equal periodic payments. Enter the payment amount, annual interest rate, and number of periods to get the required principal.
Balloon Loan
Calculates the monthly payment and the lump-sum balloon payment due at the end of a balloon loan. Enter the loan amount, rate, amortization period and balloon term — or solve backwards for the payment needed to hit a balloon amount you choose.
Education Loan Repayment
Estimate your monthly EMI and total repayment for an education loan. Enter the loan amount, annual interest rate, and loan term in years to see the full cost of borrowing.
Home Equity
Find out how much equity you have in your home and how much a lender will let you borrow. Enter your home's value, mortgage balances, and loan terms to see your equity, CLTV, borrowing power, and estimated monthly payment.
VA Loan
Estimates your full monthly VA loan payment — principal & interest plus the VA funding fee, property tax, insurance and HOA — and compares the result side by side with an FHA loan. Enter the home price, rate, term, loan type and entitlement use.
Current Annual Dividend
Calculate your total annual dividend income in seconds. Enter the dividend per share and the number of shares you own to see how much passive income your portfolio generates each year.
Future Value for Present Amount
Calculate the future value of a present amount using simple interest. Enter the principal amount and interest rate to see the interest earned and the total future value.
Housing Loan Interest Rate
Estimate how much housing loan your income can support. Enter your monthly income, other income, expenditure, loan term and interest rate to see your eligible EMI, loan amount and total interest.
Mortgage Refinancing Rates
Estimate your new monthly payment after refinancing, your monthly savings, and how many months it takes to break even on refinancing costs. Enter your loan balance, current payment, new rate, term, and closing costs.
Rent vs Buy
Enter the home price, mortgage terms and ownership costs on one side and your rent on the other to see the total net cost of buying versus renting over your time horizon, plus the break-even year at which buying becomes cheaper.
401(K) Retirement Plan
Estimate how much your 401(k) will be worth at retirement. Enter your current age, balance, annual contribution, employer match percentage, and expected return to see your projected savings.
Mortgage Home Loan Prequalification
Estimate how much mortgage you may prequalify for. Enter your monthly income, debts, down payment, interest rate, and loan term to see your maximum payment, loan amount, and total home price.
Credit Score
Estimate your debt-to-income (DTI) ratio, a key measure lenders use to judge creditworthiness. Enter your recurring monthly debt and gross monthly income to see what percentage of your income goes to debt payments.
Home Equity Line of Credit (HELOC)
Estimate the monthly payment needed to pay off your HELOC in a set number of months. Enter your balance, interest rate, payoff goal, new monthly charges, and annual fee to see the required payment.
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Monthly Annuity Payment
Estimate the fixed monthly payment of an annuity by entering the investment amount (present value), annual interest rate, and number of months. Works for fixed annuities, mortgages, and any amortized series of equal monthly payments.
Economic Value Added (EVA)
Calculate Economic Value Added (EVA) from operating income, tax rate, capital structure, and capital costs. Enter your figures to get NOPAT, WACC, and the true economic profit your business creates above its cost of capital.
IRR / ERR
This calculator helps you determine the Internal Rate of Return (IRR) or Effective Rate of Return (ERR) for an investment project. IRR and ERR are key metrics used to evaluate the profitability of investments and compare different financial options by finding the rate at which the net present value (NPV) of cash flows equals zero.
Yield to Maturity (YTM)
Calculate the Yield to Maturity (YTM) of a bond from its current price, annual coupon payment, face value, and years to maturity. YTM is the total annualized return you would earn by holding the bond until it matures.
Rule 72 Time to Double
Estimate how long it takes to double your investment using the Rule of 72. Enter the annual rate of return and the calculator shows the approximate number of years needed.
Monthly Income Deposit
Calculate the future value of recurring monthly deposits with compound interest. Enter your monthly deposit amount, annual interest rate, and investment period to see the total accumulated and the interest earned.
Unearned Interest by Actuarial Method
Estimate the unearned interest on a loan with the actuarial method: enter the original loan amount, total interest, remaining balance, and an adjustment exponent to see how much of the finance charge is still unearned if you pay off early.
EBIT Margin
Calculate the EBIT margin by entering your total revenue and EBIT (earnings before interest and taxes). The result shows what percentage of revenue your core operations convert into operating profit.
Rule 70 Time to Double
Estimate how long it takes for an investment to double using the Rule of 70. Enter the annual rate of return as a percentage, and the calculator returns the approximate number of years needed to double your money.
Debtors Days
Calculate debtors days (days sales outstanding) from trade receivables, annual credit sales, and days in the year. Enter your figures to see how long it takes to collect payment from customers.
Fibonacci Retracement
Calculate Fibonacci retracement levels (23.6%, 38.2%, 50% and 61.8%) from a price high and low. Enter the highest and lowest price of the move to find potential support and resistance levels for stocks, forex and crypto.
Present Value with Continuous Compounding
Calculate the present value of a future amount with continuous compounding. Enter the future value, annual interest rate and number of years to discount the payment using PV = FV × e^(-rt).
Debt Consolidation Payment
Estimate the fixed monthly payment for a debt consolidation loan. Enter your total consolidated debt, annual interest rate, and loan term to see the monthly payment, total repayment, and total interest.
Annual Percentage Yield
Estimate the Annual Percentage Yield (APY) from a nominal interest rate and compounding frequency. Enter the nominal rate and how often interest compounds to see the true effective annual return.
Value Added Tax (VAT)
Calculate Value Added Tax (VAT) instantly. Enter the net price of an item and the VAT rate to get the VAT amount and the gross price including VAT.
Debt to Equity Ratio Analyzer
Enter total liabilities and shareholders' equity to instantly calculate the Debt to Equity Ratio — a key measure of financial leverage, risk and capital structure for investors, lenders and analysts.
Earnings Before Interest and Taxes
Calculate a company's Earnings Before Interest and Taxes (EBIT) by entering total revenue and operating expenses. EBIT measures operating profitability before financing costs and taxes.
Interest Coverage Ratio
Calculate the interest coverage ratio by dividing EBIT by interest expense. Enter your operating profit and interest payments to see how easily a company can cover its debt interest costs.
Rule 69 Time to Double
Estimate how many years it takes to double your money with the Rule of 69. Enter the annual rate of return as a percentage, and the calculator returns the approximate doubling time in years.
Bond Present Value
Estimate the fair present value of a bond by entering its coupon payment per period, market interest rate, number of remaining periods, and face value. See how future coupons and the maturity payment discount to today's dollars.
Deferred Annuity Payment
Calculates the fixed periodic payment of a deferred annuity. Enter the present value, annual interest rate, number of payments and the length of the deferral period in years to see the payment once payouts begin.
Immediate (Ordinary) Annuity
Calculate the fixed periodic payment of an immediate (ordinary) annuity. Enter the present value, the periodic interest rate, and the number of periods to get the payment made at the end of each period.
Net Present Value (NPV)
Calculate the Net Present Value (NPV) of an investment by entering the initial investment, discount rate, and expected future cash flows. A positive NPV indicates a potentially profitable project.
Cash Certificate Issue Price
Estimate the issue price (present value) of a cash certificate: enter the maturity value, annual interest rate and term in years to find how much you must invest today to receive that amount at maturity.
Lump Sum Monthly Repayment
Calculate the fixed monthly repayment needed to pay off a lump sum loan. Enter the principal amount, annual interest rate and loan term in months to get the payment instantly.
Maturity Value
Calculate the maturity value of an investment using compound interest. Enter the principal amount, annual interest rate, and number of years to see the final value at maturity.
Reinvestment Plan Deposits
Calculate the maturity value of a reinvestment plan with fixed monthly deposits. Enter your monthly deposit amount, annual interest rate, and term to see the future value and total interest earned.
Return On Advertising / Ad Spend (ROAS)
Calculate Return On Advertising Spend (ROAS) instantly. Enter the revenue your campaign generated and the cost of your ads to see how many dollars you earn per dollar spent.
Term Deposit
Calculate the maturity value of a term deposit with annual compounding. Enter the principal amount, annual interest rate, and term in years to see the final value and total interest earned.
Annual Salary Increment
Estimate your new salary after an annual increment. Enter your current yearly salary and the expected raise percentage to see both your new salary and the exact increase amount.
Credit Card Interest
Estimate credit card interest for a billing cycle. Enter your APR and cycle length, then provide either your average daily balance or a starting balance and transactions.
Discounted Interest
Enter a nominal annual interest rate and instantly get the discounted interest coefficient — the monthly-compounded equivalent of the quarterly rate, used in loan pricing and discounted cash flow analysis.
Lumpsum Quarterly Repayment
Calculate the fixed quarterly repayment needed to pay off a lump sum loan. Enter the principal amount, annual interest rate, and loan term in quarters to get the equal quarterly installment.
Fixed Deposit
Calculate the maturity value of a fixed deposit from the principal, annual interest rate and term in years. Enter three values to see the total amount at maturity and the total interest earned, compounded annually.
Refinance Interest Saving
Estimate how much refinancing can save you. Enter your current loan amount, interest rate and term, plus the new rate and term, to compare monthly payments and see the interest savings.
Simple Interest
Calculate simple interest or solve for a missing principal, annual rate, or time. Choose what to solve for, then enter the other values and a time unit.
Compound Annual Growth Rate
Enter the initial value, final value and number of years to instantly calculate the Compound Annual Growth Rate (CAGR) — the smoothed annual return an investment would need to grow from start to finish with compounding.
Rule 78 Interest Allocation
Enter your expected annual rate of return to estimate how many years it will take an investment to double using the Rule of 78, a conservative variant of the Rule of 72. Results are shown in years.
Recurring Deposit Maturity Value
Calculate the maturity value of a recurring deposit from your monthly deposit amount, annual interest rate and term in years. The tool also shows the total interest earned over the deposit period.
Special Recurring Deposit
Calculate the maturity value of a special recurring deposit. Enter your monthly deposit amount, annual interest rate and investment term to see the total value at maturity and the interest earned.
Debt Coverage Ratio
Estimate the Debt Coverage Ratio (DCR) by entering your annual net operating income and total debt service. The result shows whether your operating income is sufficient to cover principal and interest payments.
Debt to Assets Ratio
Calculate the Debt to Assets Ratio by entering total liabilities and total assets. This leverage metric shows what share of a company's assets is financed by debt, helping you assess solvency and financial risk.
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Simple Moving Average
Enter a series of prices (e.g. daily closing prices) and this calculator instantly returns their Simple Moving Average (SMA) and the number of periods used. SMA smooths out price noise to reveal the underlying trend.
Days in Inventory
Calculate how many days your company holds inventory before selling it. Enter average inventory, cost of goods sold, and the period length to measure inventory efficiency and turnover speed.
Inventory Stock
Calculate the inventory stock you have on hand by entering your beginning inventory, purchases, and units sold or used. Useful for retail, warehouse, and production planning.
Sharpe Ratio
Calculate the Sharpe Ratio to measure an investment's risk-adjusted return. Enter your portfolio return, the risk-free rate, and the standard deviation of returns to see how efficiently your portfolio is rewarded for the risk taken.
Cost of Goods Sold
Calculate Cost of Goods Sold (COGS) from your beginning inventory, purchases, and ending inventory. Enter the three values to find COGS for gross profit, pricing, and tax reporting.
Economic Order Quantity
Calculate the Economic Order Quantity (EOQ) — the optimal order size that minimizes total inventory costs. Enter annual demand, ordering cost per order, and holding cost per unit per year.
Beginning Inventory
Calculate the beginning inventory of an accounting period from ending inventory, cost of goods sold (COGS), and purchases. Enter three values to find the inventory value at the start of the period.
Find Inventory Cost
Calculate the total cost of your inventory instantly. Enter the number of units and the cost per unit, and the calculator returns the total inventory value in dollars.
Residual Value
Estimate an asset's residual value from its original cost, annual depreciation and useful life. Enter three figures to see the remaining value at the end of the asset's service period.
Income Elasticity of Demand
Calculate income elasticity of demand (YED) from the change in quantity demanded and consumer income. Enter the initial and new values to classify a good as normal, luxury, or inferior.
Sales Gross Profit Margin
Calculate gross profit margin and gross profit from your sales revenue and cost of goods sold (COGS). Enter two numbers to see what share of every sales dollar stays after production costs, plus an instant interpretation.
Discount Lost
Calculate the annualized cost of skipping an early payment discount. Enter the discount percentage, discount period, and full payment term (e.g., 2/10, net 30) to see what not paying early really costs you.
Return on Equity
Calculate Return on Equity (ROE) from net income and average shareholder's equity. Enter your figures to see how efficiently a company turns shareholders' capital into profit, with an instant interpretation.
Average Inventory Ending Cost
Calculate the average inventory from your beginning and ending inventory values. Enter both figures in dollars and get the average instantly — a key input for inventory turnover, DSI, and stock management.
Cross Price Elasticity of Demand
Calculate the cross price elasticity of demand between two goods. Enter the quantity of Good A and the price of Good B before and after a change to see whether the goods are substitutes or complements.
Depletion Expense
Calculate the depletion expense for natural resources such as oil, gas, minerals, or timber. Enter the total cost, salvage value, estimated units, and units extracted to get the expense for the period.
Weighted Average Cost of Capital
Calculate the Weighted Average Cost of Capital (WACC) from equity value, debt value, cost of equity, cost of debt and the corporate tax rate. Enter the five inputs to get your company's blended financing cost in percent.
Pivot Points
Calculate the classic floor pivot point from the previous session's high, low, and close prices. Enter the three values and get the level that traders use to judge market direction and potential turning points.
Percent Off
Enter the original price and the sales price to instantly find the percent off (percentage discount). A quick tool for shoppers and retailers to verify real savings during sales and promotions.
Asset Depreciation
Calculate straight-line depreciation for any asset. Enter the initial cost, salvage value, useful life, and a target year to get the annual depreciation, accumulated depreciation, and book value at the end of that year.
Ending Inventory
Calculate ending inventory instantly: enter your beginning inventory, net purchases, and cost of goods sold (COGS) to find the value of stock remaining at the end of an accounting period.
Acid Test Ratio
Calculate the Acid Test (Quick) Ratio by entering cash, marketable securities, accounts receivable and current liabilities. See instantly whether a company can cover its short-term obligations without selling inventory.
FIFO Inventory Cost
Calculate the cost of your ending inventory using the FIFO method. Enter the units remaining in stock and the units and cost per unit of up to three purchase batches.
Insolvency Ratio
Calculate the insolvency ratio by entering total liabilities and total assets. This tool shows how much of a company is financed by debt and interprets the level of insolvency risk.
Solvency Ratio
Calculate the solvency ratio from net income, depreciation, and total liabilities to see how well a company can cover its long-term obligations. Enter your figures to get an instant percentage with an interpretation.
Employee Revenue
Calculate revenue per employee from your total annual sales and headcount. Get both yearly and monthly figures to benchmark workforce productivity, plan staffing, and track operational efficiency.
Accelerated Depreciation
Calculate accelerated depreciation using the Double Declining Balance (DDB) method. Enter the asset's initial cost, salvage value, useful life and the year to get the depreciation expense and book value for that year.
Price Elasticity of Supply and Demand
Calculate price elasticity of supply or demand from an initial and new quantity and price. Enter the before and after values to see how sensitive quantity is to a price change, with an instant interpretation.
Return on Capital Employed
Calculate Return on Capital Employed (ROCE) from operating profit (EBIT) and capital employed. See the formula, a worked example, and how to interpret the result.
Average Collection Period
Calculate the average collection period to find out how many days it takes your business to collect payments from credit customers. Enter accounts receivable, net credit sales, and the period length.
Gross Domestic Product
Calculate Gross Domestic Product (GDP) using the expenditure approach. Enter personal consumption, gross investment, government spending, exports and imports to get GDP instantly.
Break Even
Calculate the break-even point in units: enter your fixed costs, selling price per unit, and variable cost per unit to find out how many units you must sell before your business starts making a profit.
Operating Expense Ratio
Calculate the Operating Expense Ratio (OER) — the percentage of net sales consumed by operating expenses. Enter your operating expenses and net sales to measure cost efficiency.
Total Asset Turnover
Enter net sales and the total assets at the beginning and end of a period to calculate the Total Asset Turnover ratio — how many dollars of revenue the company generates per dollar of assets.
Operating Profit Margin
Calculate operating profit margin from operating income (EBIT) and net sales. Enter two numbers to see what percentage of revenue your business keeps after operating expenses.
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Compound Interest
Calculate how an investment grows with compound interest, including optional contributions at the end of each period. Enter the initial deposit, number of periods, rate per period, and contribution to see the final balance and a period-by-period growth table.
Portfolio Return
Calculate the overall return of a portfolio from the returns and weights of up to three assets. Enter each investment's expected return and its percentage weight; the weights must add up to 100%.
Gold Value
Calculate the melt value of gold jewelry, coins, and bullion from the spot price, karat or purity, and weight. See the pure gold content and an estimated dealer payout.
Continuous Compound Interest
Calculate the future value of an investment with continuous compounding, where interest is added every instant. Enter the present value, annual interest rate, and time in years to get the theoretical maximum growth.
Total Inventory Cost
Calculate the total inventory cost, including purchase, ordering, and holding costs. Enter unit price, annual demand, order quantity, ordering cost, and holding cost per unit.
Inflation
Compare the purchasing power of a dollar amount across years using historical US inflation, or enter your own annual rate to estimate a future or present equivalent.
Silver Melt Value
Estimate the melt value of junk silver coins, sterling silver, and bullion. Enter the current silver spot price, pick your items and quantities, and set the dealer buy percentage to see what a buyer might pay.
Savings / Investment
Estimate how your monthly savings or investments grow with compound interest. Enter your monthly contribution, annual interest rate, and time period to see the future value, total contributions, and interest earned.
Effective Annual Yield
Convert a nominal interest rate into the effective annual yield (EAY) based on how often interest compounds. Enter the nominal rate and the number of compounding periods per year to see the true annualized return.
Book Value per Share
Calculate book value per share from stockholders' equity, preferred stock and outstanding common shares. A quick way to compare a company's net asset value per share with its market price.
Cap Rate
Calculate the capitalization rate of a rental property, or solve for NOI or property value. Enter rental income, vacancy, and operating expenses; fill any two of value, NOI, and cap rate to get the third.
Email Marketing ROI
Calculate the return on investment (ROI) of an email marketing campaign in seconds. Enter the revenue the campaign generated and its total cost to see your profit as a percentage.
Options Profit
Calculate a call or put option’s profit or loss at expiration. Enter the position, strike price, premium, number of contracts, expiration stock price, and total commissions.
Annuity Quarterly Payments
This calculator finds the value of an annuity built from quarterly deposits when payment timing and compounding do not line up, using fractional exponents to credit each payment for the time it remains invested. Enter the quarterly deposit, the quarterly interest rate, and the number of quarters.
FIRE
Estimate your FIRE number (plus Lean, Fat and Coast FIRE variants), how many years it will take to get there, and the age you reach financial independence. Enter your savings, spending, expected return and safe withdrawal rate.
Dividend
Projects how a dividend portfolio grows when payouts are reinvested (DRIP). Enter your initial investment, dividend yield, payout frequency, growth rates, extra contributions and dividend tax to see the final value, share count, future dividend income and yield on cost.
Annuity Due Value
Calculate the present and future value of an annuity due, where payments occur at the beginning of each period. Enter the payment amount, interest rate per period, and number of periods.
Capital Asset Pricing
Estimate the expected return of an asset with the Capital Asset Pricing Model (CAPM). Enter the risk-free rate, beta, and expected market return to see how risk translates into return.
CLV
Estimate customer lifetime value for product sales or subscription businesses. Enter order value, margins, retention and acquisition cost to get CLV, the discounted present value, CLV:CAC ratio and CAC payback period.
CPM
Calculate CPM, campaign cost, or impressions by entering any two of those values. Add clicks and conversions to see optional performance metrics.
Dividend Payout Ratio
Calculate the Dividend Payout Ratio (DPR) to see what percentage of a company's yearly earnings are paid out as dividends. Enter the yearly dividend and yearly earnings to get the result instantly.
Rental Property
Estimate the cash flow and return of a rental property. Enter the purchase price, financing, rent, expenses and growth assumptions to get NOI, cap rate, cash-on-cash return, DSCR, the 1% rule check, total profit over the hold and IRR.
Stock Average
Calculate the average price per share of multiple stock (or crypto) purchases, including fees, and see your unrealized gain or loss. Or find out exactly how many shares to buy to average down to a target price.
Budget 10
Phone Bill
Estimate your monthly phone bill from talk minutes, SMS, mobile data and fixed fees. Enter your usage and per-unit costs to see your total and compare plans.
Emergency Fund Savings Planner
Estimate how much you need in your emergency fund to cover medical bills, insurance deductibles, and a stretch of unemployment, and see how many months it will take to save it based on your monthly contributions and expected return.
Student Budget Planner
Plan a realistic student budget in seconds. Enter your monthly income and typical expenses (rent, groceries, transport, and more) to see your total spending and how much you can save each month.
Budget
Build a monthly budget with the 50/30/20 rule: enter your take-home pay and your actual spending, and see how your needs, wants and savings compare to the targets. You can also use the 70/20/10 or 60/20/20 split.
Markup Cost Price
Enter the cost price of a product and a markup percentage, and this calculator instantly returns the selling price you should charge. A quick tool for retail pricing and margin planning.
Markup Selling Price
Estimate the cost price of a product from its selling price and markup percentage. Enter the selling price and the markup you want to apply to find the maximum cost you can pay while hitting your target price.
Automobile Expense
Estimate your monthly car costs: enter your monthly mileage, fuel consumption, fuel price and fixed costs like insurance to see your fuel cost and total monthly automobile expense.
Debt Snowball
Compare the debt snowball and debt avalanche strategies side by side. Enter each debt's balance, APR and minimum payment plus your total monthly budget to see which method gets you debt-free faster and cheaper.
Net Worth
Add up everything you own and everything you owe to find your net worth in seconds. Enter your assets, debts, income and age to see totals, a debt-to-asset ratio, liquid net worth, and how you compare to a common benchmark.
Electricity Bill
Estimate your electricity bill in seconds. Enter your monthly kWh usage, your cost per kWh, and any fixed charges to see the total you can expect to pay.
Taxes & Pay 8
Paycheck
Estimate take-home pay per paycheck from an annual salary or hourly rate. Enter your pay schedule, filing status, 401(k) contribution, insurance cost, and other deductions.
Sales Tax
Add US sales tax to a price or reverse a tax-included price. Enter the price per item, quantity, and applicable state and local tax rates.
Income Tax
Estimate your 2026 federal income tax, marginal and effective rates, and potential refund or amount owed. Enter your filing status, income, contributions, deductions, qualifying children, and tax withheld.
Capital Gains Tax
Estimate the capital gains tax on a stock, fund, crypto or property sale in the US. Enter purchase and sale details, holding period dates, filing status, other income and a state rate to see federal tax, the 3.8% NIIT, state tax and your after-tax profit.
RMD
Estimate your required minimum distribution and view a 10-year projection. Enter the owner's birth year, distribution year, previous December 31 balance, and an assumed growth rate; add spouse details if applicable.
Self-Employment Tax
Estimate your self-employment (SECA) tax for 2023–2025: enter your net profit, business expenses and W-2 wages to get the Social Security, Medicare and Additional Medicare tax, the deductible half, and suggested quarterly payments.
Property Tax
Estimate your annual property tax from the market value of your home, assessment ratio, exemptions and local tax rate in percent or mills. You can also compare your bill with your state's average effective rate.
VA Disability Rating
Estimate a combined VA disability rating from up to 10 individual ratings. Enter each rating and check bilateral only for ratings that qualify as part of a group affecting both arms or both legs.
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