104 tools
Finance
Interest, loans, savings, inflation, margin, markup and VAT. Informational calculators, not financial advice.
Tools in this category
- FinanceCompound Interest CalculatorFuture value of savings with compound interest and optional monthly contributions.
- FinanceDiscount CalculatorFinal price after a percentage discount, and how much you save.
- FinanceLoan Payment CalculatorMonthly instalment, total paid and total interest on a loan repaid in equal payments.
- FinanceVAT CalculatorAdd VAT to a net price and remove VAT from a gross price, both at once.
- FinanceInflation CalculatorWhat an amount of money will be worth in real terms after years of inflation, and what it would cost.
- FinanceProfit Margin CalculatorGross margin, profit and the equivalent markup from cost and selling price.
- FinanceSimple Interest CalculatorInterest and final amount when interest is not compounded.
- FinanceROI CalculatorReturn on investment as a total percentage and as an annualised rate.
- FinanceSavings Goal CalculatorHow much to put aside each month to reach a target amount by a chosen date.
- FinanceAmortisation Schedule CalculatorThe payment, and a year-by-year table of how much goes to interest, how much to capital, and what is left owing.
- FinanceMarkup CalculatorSelling price from a cost price and a markup percentage, with the resulting margin.
- FinanceHow Much Can I Borrow CalculatorMaximum loan from an income, a share of income you accept as an instalment, a rate and a term.
- FinanceMonthly Budget CalculatorAdd up where the money goes, see what is left, and find out what share of your income you actually keep.
- FinanceBreak-Even Point CalculatorHow many units you must sell to cover fixed costs, and the revenue that represents.
- FinanceIRR CalculatorThe internal rate of return of any series of cash flows, with the net present value and a warning when the answer is not unique.
- FinanceCAGR CalculatorThe steady yearly rate that turns one figure into another over a number of years, which is not the total growth divided by the years.
- FinanceReal Return CalculatorWhat an investment actually earns once inflation is taken out, and why subtracting the two numbers is not the same thing.
- FinanceAnnuity CalculatorWhat a stream of equal payments is worth today and what it adds up to at the end, paid at the start or the end of each period.
- FinanceFIRE CalculatorThe capital that would cover a year of your spending indefinitely, how far off it is, and how long the current pace takes to get there.
- FinanceOutstanding Loan Balance CalculatorHow much of a loan is still owed after a number of instalments, and how much capital has been repaid.
- FinanceTravel Budget CalculatorWhat a trip will cost in total, per person, per day and per person per day, with a margin for what always comes up.
- FinancePortfolio Return CalculatorThe weighted return of a whole portfolio, with each holding's weight, its contribution, and how concentrated the whole thing is.
- FinanceYield to Maturity CalculatorWhat a bond really returns if held to the end, counting both the coupons and the gain or loss against face value.
- FinanceCredit Card Payoff CalculatorMonths to clear a credit card balance at a fixed monthly payment, and the interest it costs.
- FinanceInterest Rate Conversion CalculatorTurn a rate quoted for one period into the equivalent for any other — monthly, annual, nominal, effective or continuous.
- Finance50/30/20 Budget CalculatorMonthly budget split into needs, wants and savings, with the shares adjustable.
- FinanceMonte Carlo Investment SimulatorA thousand possible futures for the same savings plan, showing the range of outcomes rather than a single false-precise number.
- FinanceBeta CalculatorHow much an investment moves with the market, with alpha, correlation and the R² that says whether the beta means anything.
- FinanceDoubling Time Calculator (Rule of 72)How long money takes to double at a given rate, exactly and by the rule of 72.
- FinanceMortgage Overpayment CalculatorMonths cut from a mortgage and interest saved by paying extra each month.
- FinanceDollar Cost Averaging CalculatorThe price you really paid when you invested the same amount at different prices, against the plain average of those prices.
- FinanceSalary Increase CalculatorNew salary after a raise, the yearly gain and whether the raise beats inflation.
- FinanceDeclining Balance Depreciation CalculatorWhat something is worth after a number of years when it loses the same percentage of its remaining value every year.
- FinanceEffective Annual Rate CalculatorConvert a nominal annual rate with periodic compounding into the true effective annual rate.
- FinanceRetirement Capital CalculatorProjected capital from current savings plus monthly contributions, and what it could pay out.
- FinanceDiscounted Payback Period CalculatorHow long an investment takes to pay for itself once future money is discounted, next to the plain payback for comparison.
- FinanceNet Present Value (NPV) CalculatorNet present value of a constant annual cash flow against an upfront investment.
- FinancePrice Per Square Metre CalculatorPrice per square metre with and without purchase costs, and how it compares with a reference for the area.
- FinanceEmergency Fund CalculatorHow large an emergency fund should be, the gap to it and how long it takes to fill.
- FinanceRental Yield CalculatorGross, net and vacancy-adjusted rental yield, the income after costs and the payback period.
- FinanceStock Profit Calculator (After Fees and Tax)Profit or loss on a share trade after buying and selling fees and tax on the gain, the return on the money invested and the break-even sell price.
- FinanceBinomial Option Pricing CalculatorOption value from a Cox-Ross-Rubinstein tree, including American early exercise, with Black-Scholes alongside for comparison.
- FinanceCoast FIRE CalculatorHow much you need invested today so that, without adding another cent, it grows into your FIRE number by the age you want to retire.
- FinancePayback Period CalculatorHow long an investment takes to pay for itself, after yearly running costs.
- FinancePresent Value CalculatorWhat a future amount of money is worth today at a given discount rate.
- FinanceSavings Withdrawal CalculatorMonthly income a lump sum can pay out over a fixed number of years before it runs out.
- FinanceStraight-Line Depreciation CalculatorAnnual depreciation, book value after n years and the total written off.
- FinancePerpetuity CalculatorWhat an income that never stops is worth today, with or without growth, and what capital a given income needs.
- FinanceDividend Yield CalculatorDividend yield, annual income from a holding, and the payout ratio.
- FinanceLate Payment Interest CalculatorInterest on an overdue invoice, the daily rate and the total now due.
- FinanceBond Price CalculatorPrice of a bond from its yield, with the current yield, the price as a percentage of par and the effect of a 1 % yield rise.
- FinanceTax-Equivalent Yield CalculatorThe yield a taxable investment must pay to match a tax-free one at your tax rate, and which of two offers leaves you more after tax.
- FinanceReal Return After Tax and Inflation CalculatorWhat a nominal return is actually worth once tax and inflation have both taken their share.
- FinanceSharpe Ratio CalculatorSharpe ratio of a portfolio, annualised from any period, with the excess return and the return a ratio of 1 would need.
- FinanceBlack-Scholes Option Price CalculatorEuropean call option price, with d₁, d₂, the discounted strike and the intrinsic value.
- FinanceCurrency Converter (Your Own Rate)Convert an amount at a rate you enter, and see what the margin really costs you.
- FinanceDebt-to-Income (DTI) Ratio CalculatorShare of your monthly income that goes on debt repayments, and how much room is left for a new loan payment under a chosen limit.
- FinanceRefinance Break-Even Calculator (When Does a New Loan Pay Off?)Monthly payment on the current and the new loan, how much you save each month, and how many months it takes for that saving to repay the refinancing costs.
- FinanceSavings Rate to Financial Independence Calculator (Years to Retire)How many years of saving a given share of your income it takes before your savings can cover your spending, from the savings rate, the real return and the withdrawal rate.
- FinanceWACC CalculatorWeighted average cost of capital, with the equity weight, the after-tax cost of debt, gearing and the tax shield.
- FinanceCAPM Cost of Equity CalculatorRequired return on equity from the risk-free rate, beta and the market return.
- FinanceNPV Calculator for Uneven Cash FlowsDiscount a whole series of cash flows, one figure per period, and see what the project is worth today.
- FinanceAltman Z-Score Calculator (Bankruptcy Risk)Altman's Z-score for a listed manufacturing company from five balance-sheet and income figures, with the safe, grey or distress zone and the five ratios behind it.
- FinanceBalloon Loan Calculator (Monthly Payment With a Final Lump Sum)Monthly payment of a loan that leaves a balloon payment due at the end, the payment you would make with no balloon, and the total interest.
- FinanceCash Conversion Cycle Calculator (DIO, DSO, DPO)Days a business waits between paying for stock and collecting from customers: days of inventory, days of sales outstanding, days payable, and the net cycle.
- FinanceCash-on-Cash Return and Cap Rate Calculator (Rental Property)The cash-on-cash return, cap rate, net operating income, mortgage payments and debt service coverage of a rental property, from the price, deposit, loan, rent and costs.
- FinanceDebt Service Coverage Ratio (DSCR) and Interest Coverage CalculatorHow many times a business or property covers its loan payments: the DSCR, the interest coverage ratio and debt ÷ EBITDA, with the margin left before payments become a struggle.
- FinanceDiscount Break-Even Volume Calculator (How Much More Must You Sell?)How much extra volume a price cut must bring to leave your gross profit unchanged: d ÷ (m − d), with the units you would need to sell.
- FinanceDuPont Analysis Calculator (ROE Breakdown)Splits a company's return on equity into profit margin, asset turnover and leverage, so you can see where a high or low ROE really comes from.
- FinanceEarly Payment Discount Calculator (2/10 Net 30)The real annual interest rate you pay by not taking a prompt-payment discount such as 2/10 net 30, plus what the discount saves on an invoice.
- FinanceEnterprise Value (EV) Calculator and EV/EBITDA MultipleThe enterprise value of a company — what it would cost to buy the whole business, debt included, less the cash you would get — and the EV/EBITDA, EV/EBIT and EV/sales multiples.
- FinanceLiquidity Ratios Calculator (Current, Quick and Cash Ratio)Current ratio, quick (acid-test) ratio and cash ratio from a balance sheet, plus working capital, to see if short-term debts are covered.
- FinanceLoan-to-Value (LTV) CalculatorLoan-to-value ratio of a mortgage, the deposit it implies, and the largest loan a lender's maximum LTV allows on a property.
- FinanceLoss Recovery Calculator (Gain Needed After a Loss)The percentage gain needed to get back to where you started after a loss, and how many years that takes at a given return.
- FinanceMargin Call Price Calculator (Buying Shares on Margin)The share price at which a broker will demand more money when you buy on margin, how far that is from your purchase price, and what a price move does to your own money.
- FinanceNet Revenue Retention (NRR) Calculator — Subscription BusinessesNet and gross revenue retention of a group of customers from their starting recurring revenue, the expansion, the downgrades and the cancellations, plus the NRR over a year.
- FinanceOption Payoff Calculator (Call and Put, Long and Short)Profit or loss of a call or put option held to expiry, bought or sold, with its break-even price, from the strike, the premium and the share price at expiry.
- FinanceP/E Ratio Calculator (Price to Earnings, Earnings Yield, PEG)Price-to-earnings ratio, earnings yield and PEG ratio of a share from its price, earnings per share and expected growth.
- FinancePosition Size CalculatorHow many shares or units to buy so that, if the stop-loss is hit, you lose no more than a chosen percentage of the account.
- FinanceRights Issue TERP Calculator (Theoretical Ex-Rights Price)Theoretical share price after a rights issue, the value of each right, the factor that restates old prices, and what it costs to take up your entitlement.
- FinanceStartup Dilution Calculator (Funding Round, Pre- and Post-Money)How much of the company you own after a funding round, from your stake, the pre-money valuation, the new investment and any option pool created, with the value of what remains.
- FinanceAverage Cost Calculator (Average Price After a Second Purchase)Average price per share after buying more, the total invested, the gain or loss at the current price and the price needed to break even after fees.
- FinanceValue at Risk (VaR) Calculator (Parametric, With Expected Shortfall)The loss a portfolio is not expected to exceed over a few trading days at a chosen confidence level, and the average loss in the cases beyond it, assuming normal returns.
- FinanceKelly Criterion CalculatorThe fraction of a bankroll to stake for maximum long-run growth, with half-Kelly and the break-even probability.
- FinanceBond Accrued Interest Calculator (Clean and Dirty Price)Interest a bond has earned since its last coupon, the full-coupon amount, and the dirty price a buyer actually pays on top of the quoted clean price.
- FinanceEconomic Value Added (EVA) Calculator (NOPAT, ROIC and Capital Charge)Profit left after paying for all the capital a business uses, plus NOPAT, the return on invested capital and how far it sits above or below the cost of capital.
- FinanceEquivalent Annual Cost (EAC) Calculator — Compare Assets With Different LivesThe true yearly cost of two machines, vehicles or appliances with different prices, running costs and lifetimes, so the cheaper one over time is clear.
- FinanceForward Exchange Rate Calculator (Covered Interest Parity)The forward rate of a currency pair from the spot rate, the two interest rates and the number of days, with the forward points and the annualised premium or discount.
- FinancePrice Increase to Keep Your Margin CalculatorThe new selling price that keeps your margin percentage when costs go up, and the smaller price that only keeps the same profit in money per unit.
- FinanceMIRR Calculator (Modified Internal Rate of Return)The modified internal rate of return of a project with up to five years of cash flows, assuming inflows are reinvested at one rate and outflows are financed at another.
- FinancePrice Elasticity of Demand CalculatorHow strongly sales reacted to a price change, whether demand is elastic or inelastic, and what happened to revenue.
- FinanceSaaS Rule of 40, Magic Number and Burn Multiple CalculatorThree quick efficiency checks for a software or subscription company: the Rule of 40 score, the sales-efficiency magic number and the burn multiple.
- FinanceSortino Ratio and Calmar Ratio CalculatorTwo risk-adjusted performance ratios that only count the bad risk: Sortino divides the excess return by the downside deviation, Calmar divides the return by the worst peak-to-trough fall.
- FinanceTrading Expectancy Calculator (Win Rate, Payoff Ratio, Profit Factor)Average result per trade from the win rate and the average win and loss, with the profit factor, the break-even win rate and the expected total over many trades.
- FinanceTreasury Bill Yield Calculator (Discount Rate to Price and Yield)Price of a discount security such as a Treasury bill from its quoted discount rate, with the bond-equivalent, money-market and effective annual yields.
- FinanceTreynor Ratio, Jensen's Alpha and M² CalculatorThree ways to judge a portfolio's return against its risk: Jensen's alpha, the Treynor ratio and the Modigliani M², from the portfolio and market returns, beta and volatility.
- FinanceTwo-Stage Dividend Discount Model CalculatorWhat a share is worth today if its dividend grows fast for some years and then settles into slower, steady growth, with how much of that value sits beyond the fast years.
- FinanceBond Duration and Convexity CalculatorMacaulay and modified duration plus convexity, summed from the actual cash flows, with what a one-point rate move does to the price.
- FinanceMortgage Points Break-Even CalculatorWhether paying for discount points to lower a loan's rate is worth it: the payment with and without them, and how many months it takes to recover their cost.
- FinanceOverhead Absorption Rate Calculator (Predetermined Rate and Variances)Hourly overhead rate set from the budget, overhead charged to production at the actual hours, and the under- or over-absorption split into spending and volume variances.
- FinanceRule of 78 Calculator (Early Loan Payoff Interest Refund)How much of a precomputed loan's interest is refunded when you settle early under the Rule of 78, and how much more the lender keeps than with an even spread.
- FinanceStandard Cost Variance Calculator (Material and Labour Price, Usage and Efficiency)Material price and usage variances and labour rate and efficiency variances from standard and actual figures, with the total difference from the standard cost.
- FinanceSum-of-the-Years'-Digits Depreciation Calculator (Accelerated Method)Depreciation expense, accumulated depreciation and book value of an asset in any year using the sum-of-the-years'-digits method, next to the straight-line charge.
- FinanceSustainable Growth Rate Calculator (ROE, Retention and Internal Growth)The fastest a company can grow sales without issuing shares or changing its leverage, from its return on equity and the share of profit it keeps, plus the internal growth rate.