58 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.
- FinanceBinomial Option Pricing CalculatorOption value from a Cox-Ross-Rubinstein tree, including American early exercise, with Black-Scholes alongside for comparison.
- 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.
- 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.
- 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.
- FinanceKelly Criterion CalculatorThe fraction of a bankroll to stake for maximum long-run growth, with half-Kelly and the break-even probability.
- 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.