Finance &amp; Business Calculators

401(k) Employer Match Calculator

Project total 401(k) contributions by combining your deferrals with the employer match formula.

Accounts Receivable Turnover Calculator

Compute accounts receivable turnover by dividing net credit sales by average accounts receivable.

Annuity Net Present Value Calculator

Calculate the net present value of an ordinary annuity by discounting equal cash flows and subtracting the upfront investment.

Asset Turnover Ratio Calculator

Compute the asset turnover ratio by dividing net sales by average total assets.

Auto Loan Payment Calculator

Calculate the monthly payment on an auto loan using the principal, annual interest rate, and loan term.

Balance Transfer Break-Even Calculator

Estimate how many months it takes for a balance transfer offer to pay for its upfront fee.

Biweekly Mortgage Payment Calculator

Find your biweekly mortgage payment based on principal, interest rate, and loan term using 26 payments per year.

BNPL APR Calculator

Estimate the annual percentage rate of a BNPL plan by comparing total fees to the purchase amount and repayment term.

Break-Even Units Calculator

Estimate units to break even.

Break-Even Units Calculator

Determine how many units you must sell to cover fixed and variable costs before turning a profit.

Budget Variance Percentage

Measure how far actual spending deviates from your budget as a percentage.

CAGR Calculator

Compute the compound annual growth rate between an initial and final value.

Cash Conversion Cycle Calculator

Compute the cash conversion cycle (CCC) to learn how long cash is tied up between paying suppliers and collecting from customers. Provide days inventory outstanding (DIO), days sales outstanding (DSO), and days payable outstanding (DPO).

CD Ladder Optimizer

Plan a cash ladder that balances yield and liquidity by projecting how much your certificates of deposit will grow once each rung has matured. Enter the total cash you will deploy, the number of CDs, the annual percentage yields for the shortest and longest terms, and the maturity of the final rung to see the blended ladder value.

Coffee Cost Savings Calculator

Estimate yearly savings from skipping your daily coffees.

Compound Interest Growth Calculator

Forecast how a single lump-sum investment grows with compound interest by adjusting rate, compounding frequency, and years.

Construction Cost per Square Foot

Find unit cost from total project cost and area.

Contingency Fee Calculator

Estimate the lawyer's contingency fee from a settlement based on the agreed percentage.

Credit Card Minimum Payment Calculator

Estimate the minimum payment your credit card issuer will require.

Credit Card Monthly Interest

Estimate monthly interest charges on a credit card balance.

Credit Card Payoff Time Calculator

Estimate months to pay off a credit card balance.

Credit Utilization Ratio Calculator

Compute the percentage of your revolving credit limit currently in use to monitor credit score health.

Crypto Mining Breakeven Time

Estimate days to recoup mining hardware cost.

Currency Conversion Fee

See how much you receive after a conversion fee.

Debt Avalanche vs Snowball Comparison

Enter your total monthly payoff budget and up to three debts to compare how much interest the avalanche method can save versus the snowball approach.

Debt Payoff Time Calculator

Estimate months needed to pay off a debt with fixed monthly payments.

Debt Service Coverage Ratio Calculator

Compute the DSCR by dividing net operating income by total debt service. Values above 1 indicate adequate income to cover debt obligations.

Debt-to-Asset Ratio Calculator

Find the percentage of assets financed by debt by dividing total liabilities by total assets and multiplying by 100.

Debt-to-Equity Ratio Calculator

Assess a company's leverage by comparing liabilities to equity.

Debt-to-Income Ratio Calculator

Compute your debt-to-income (DTI) ratio as a percentage using monthly debt payments and gross monthly income.

Dividend Payout Ratio

Determine what percentage of earnings is distributed to shareholders as dividends.

Dividend Reinvestment Calculator

Estimate the future value of an investment when dividends are reinvested and the stock price grows annually. Enter initial investment, dividend yield, growth rate, and years.

Dividend Yield Calculator

Estimate dividend yield from dividend and share price.

Down Payment Calculator

Calculate the upfront amount needed for a purchase based on price and down payment percentage.

E-commerce Break-even Calculator

Determine how many units you must sell to break even after manufacturing, shipping, advertising and platform fees.

E-commerce EOQ with Volume Discount

Blend EOQ theory with supplier quantity breaks so you can decide whether a bulk buy truly lowers total cost. Input your demand, carrying costs, and discount tier to instantly compare scenarios.

Earnings Per Share Calculator

Determine a company's earnings per share by subtracting preferred dividends from net income and dividing by shares outstanding.

EBITDA Margin Calculator

Calculate EBITDA margin from revenue, operating costs, and non-cash expenses.

Emergency Fund Duration

Estimate how many months your savings can cover expenses.

Emergency Fund Runway Planner

Estimate how many months your emergency savings can cover once you factor in partial income and one-time cash buffers.

Emergency Fund Target

Find the recommended emergency fund size based on monthly expenses and months of coverage.

Employee Cost per Hour Calculator

Calculate the hourly cost of an employee by factoring salary, benefits, and overhead and dividing by annual work hours.

EV Total Cost of Ownership with Battery Degradation

Project the multi-year spend for an electric vehicle by combining charging costs, maintenance, and the value lost as the battery degrades. Ideal for comparing EVs to ICE vehicles or planning fleet budgets.

EV vs. Gas Total Cost of Ownership

Compare multi-year ownership cost for an electric vehicle versus a gasoline car using purchase, energy, and upkeep inputs.

Final Price Calculator

Apply a generic percent change.

FIRE Number Calculator

Compute target savings for financial independence using annual expenses and withdrawal rate.

FIRE Timeline Calculator

Estimate how many years it will take to reach financial independence based on current savings, annual contributions, investment return and inflation.

Foreign Tip Converter

Convert a tip into your home currency.

Freelance Minimum Rate Calculator

Blend desired take-home pay, taxes, expenses, and downtime to find the minimum billable hourly rate you need.

Freelancer Hourly Rate

Find required hourly rate from income goals.

Fuel Trip Cost Calculator

Estimate the fuel expense for a road trip using distance, consumption, and fuel price.

Future Value of Annuity (End)

Future value of equal monthly deposits.

Gross Margin Calculator

Determine gross margin percentage from revenue and cost of goods sold. Enter the values and press Calculate.

Gross Profit Margin Calculator

Calculate gross profit margin percentage from revenue and cost of goods sold.

Gross-Up Calculator

Determine the pre-tax amount required to provide a specific net payment.

HELOC Draw & Repayment Planner

Estimate the total amount you will pay on a home equity line of credit (HELOC) by combining the interest-only draw period with the fully amortising repayment period. Enter the amount you plan to draw, the annual interest rate, and the lengths of both phases to forecast cumulative payments.

Hotel Stay Cost

Estimate total hotel cost including taxes.

Hourly to Annual Salary

Convert an hourly wage into an annual salary for budgeting.

I Bond Rate Calculator

Combine the fixed rate and semiannual inflation rate to estimate the current U.S. Series I Bond composite yield.

Import Currency Hedge Coverage

Compare the landed local-currency cost of settling a supplier invoice immediately at the spot exchange rate versus locking in a forward contract. Enter the foreign currency amount, the quoted spot and forward rates, and any bank markups or transaction fees that differ between the two paths to understand the net hedge impact.

Inflation Adjusted Price

Estimate a future price after inflation.

Interest Coverage Ratio

Determine how comfortably earnings before interest and taxes can cover interest obligations.

Internal Rate of Return Calculator

Estimate the annualized return that makes the net present value of an investment zero by comparing the starting outlay and the ending value across a set number of periods.

Inventory Reorder Point Calculator

Determine the stock level at which you should reorder inventory to avoid stockouts.

Inventory Turnover Ratio Calculator

Measure how efficiently a business sells and replaces its inventory over a given period.

Invoice Late Fee

Calculate late fees on overdue invoices.

Latin America Severance Pay Estimator

Estimate statutory severance for select Latin American countries using salary, tenure, and unused vacation days.

Loan Extra Payment Time Saved

Estimate months saved by adding extra to loan payments.

Loan Payment Calculator

Determine the fixed monthly payment to repay a loan at a given interest rate and term.

Loan-to-Value Ratio Calculator

Find the loan-to-value percentage for a property.

Loss Recovery Percentage

Find the gain needed to recover from a portfolio drop.

Markup/Margin Calculator

Compute selling price from cost and margin.

Monthly Savings Contribution Calculator

Determine monthly deposit needed to reach a savings goal.

Monthly Savings Required

Monthly deposit needed to reach a savings goal.

Mortgage Affordability Calculator

Estimate the maximum mortgage loan you can afford based on income, debts, interest rate, and term.

Mortgage Points Cost Calculator

Estimate how much cash is needed to buy discount points when closing on a mortgage.

Mortgage Refinance Break-even Calculator

Determine the number of months required for monthly savings to offset refinancing closing costs.

Net Dollar Retention (SaaS) Calculator

Measure how well recurring revenue is retained after accounting for upgrades, downgrades, and churn within a given period.

Net Present Value Calculator

Estimate the net present value of equal recurring cash flows.

Net Profit Calculator

Net profit.

Net Profit Margin Calculator

Find net profit margin from revenue and expenses.

Net Revenue Retention Scenario Planner

Model net revenue retention from expansions, downgrades, and churn, and see the expansion needed to hit a target.

Net Worth Calculator

Track your personal net worth by subtracting total liabilities from total assets.

Operating Expense Ratio Calculator

Find operating expenses as a percentage of revenue.

Operating Profit Margin Calculator

Determine the percentage of revenue remaining after covering operating expenses.

Overtime Pay Calculator

Estimate earnings from overtime hours.

Payback Period Calculator

Estimate years to recover an initial investment.

Percentage Discount Calculator

Calculate the final price after a percentage discount.

Pipe Installation Cost

Compute material and labor costs for installing piping.

PMI Monthly Payment Calculator

Estimate monthly private mortgage insurance cost from loan amount and PMI rate.

Present Value (Single Cash Flow)

Discount a future amount back to today's value.

Quick Ratio Calculator

Assess short-term liquidity by comparing quick assets to current liabilities.

Rent vs Buy Calculator

Estimate whether renting or buying is cheaper over a given period. The calculator compares rent payments with a simplified cost of purchasing a home.

Rent-to-Income Ratio Calculator

Determine what portion of your income is spent on rent. Enter your monthly rent and monthly income to see the percentage.

Required Minimum Distribution

Estimate your required minimum distribution from retirement accounts.

Research Grant Overhead Calculator

Calculate how much of a grant remains after an institution's overhead deduction.

Retirement Savings Goal

Estimate the total savings needed for a desired annual retirement income.

Retirement Savings with Inflation Calculator

Use this calculator to estimate the future value of your current savings after accounting for annual returns and inflation.

Return on Assets Calculator

Determine how efficiently a company uses its assets to generate profit.

Return on Equity Calculator

Calculate return on equity from net income and shareholder equity.

Return on Investment (ROI) Calculator

Find the percentage return on an investment using initial cost and final value.

Revenue per Employee Calculator

Calculate how much revenue each employee generates on average. Enter the company's total revenue and the number of employees to find the revenue per employee.

ROI Calculator

Return on investment (percentage).

ROI Dollar Amount Calculator

ROI in dollars.

Roth Conversion Tax Impact Calculator

Estimate the combined federal and state income taxes owed when you move money from a traditional retirement account into a Roth IRA. Enter the conversion amount plus the marginal tax rates that will apply this year.

RSU Vesting Tax Planner

Estimate vested RSU shares, tax withholding, and net value based on your schedule and combined tax rates.

SaaS Magic Number Efficiency Calculator

Compute the SaaS magic number by comparing net new annual recurring revenue (ARR) against the prior quarter's sales and marketing spend. Enter the gross new ARR won this quarter, your churn percentage, and the previous quarter's sales and marketing investment to see the resulting efficiency ratio.