Finanse

Oblicz miesięczną ratę kredytu, całkowite odsetki i pełny koszt spłaty na podstawie kwoty kredytu, oprocentowania i okresu, wraz z harmonogramem amortyzacji za pierwszy rok.

Bułgarski kalkulator wynagrodzenia netto na 2026 rok: liniowy 10% podatek dochodowy, składki społeczne z limitem podstawy wymiaru, wynik w lewach i euro po oficjalnym stałym kursie.

Oblicz miesięczną ratę za samochód, łączne odsetki i całkowity koszt na podstawie ceny pojazdu, wpłaty własnej, oprocentowania i okresu kredytu w miesiącach.

Zobacz, jak Twoje pieniądze rosną dzięki procentowi składanemu przy różnych częstotliwościach kapitalizacji.

Fiński kalkulator wynagrodzenia netto na 2026 rok: progresywny podatek państwowy, podatek gminny, podatek kościelny, składka emerytalna TyEL i ubezpieczenie na wypadek bezrobocia — sprawdź, ile faktycznie zostaje w ręku.

Zobacz, jak inflacja podnosi przyszły koszt pieniądza i niszczy siłę nabywczą danej kwoty na przestrzeni lat.

Oblicz raty kredytu hipotecznego z okresem spłaty tylko odsetek — rata miesięczna w trakcie i po, całkowity koszt oraz krzywa pozostałego zadłużenia. Obsługuje duńskie marże administracyjne realkredit (bidrag).

Oblicz miesięczną ratę kredytu EMI, łączne odsetki i całkowitą spłatę dla dowolnej kwoty kredytu, oprocentowania i okresu.

Oblicz miesięczną ratę kredytu hipotecznego, łączne odsetki i całkowity koszt na podstawie kwoty kredytu, rocznego oprocentowania i okresu kredytu w latach.

Oblicz wynagrodzenie netto po odliczeniu podatków — gotowe ustawienia dla Szwecji, Finlandii, Danii i Norwegii: podatek gminny, państwowy, składki społeczne i ulgi, wszystko edytowalne.

Przeliczaj wynagrodzenie między stawkami godzinowymi, tygodniowymi, miesięcznymi i rocznymi na podstawie godzin tygodniowo i tygodni w roku.

Zobacz, jak bardzo wzrosną Twoje oszczędności dzięki regularnym miesięcznym wpłatom i procentowi składanemu, wraz z łącznymi wpłatami i uzyskanymi odsetkami.

Oblicz procent prosty i całkowitą kwotę dla kapitału, oprocentowania i okresu czasu.

Oszacuj wynagrodzenie netto (na rękę) z dochodu brutto na podstawie własnej efektywnej stawki podatkowej. Niezależny od kraju: działa dla dowolnej pensji, częstotliwości wypłat i potrąceń.

Oblicz wartość w terminie zapadalności i odsetki lokaty terminowej (stałej) — kapitalizacja miesięczna, kwartalna lub roczna, z opcjonalnym podatkiem od odsetek.

Dodaj VAT do ceny netto lub usuń VAT z ceny brutto, pokazując kwotę netto, VAT i sumę brutto dla dowolnej stawki VAT.

Znajdź próg rentowności w jednostkach i przychodzie na podstawie Twoich kosztów stałych, ceny za jednostkę i kosztu zmiennego na jednostkę.

Sprawdź, ile czasu zajmie spłata salda karty kredytowej lub pożyczki przy stałej miesięcznej racie, oraz ile odsetek zapłacisz po drodze.

Znajdź procent rabatu na podstawie ceny pierwotnej i ceny promocyjnej oraz zobacz dokładnie, ile pieniędzy oszczędzasz.

Oblicz wartość przyszłą pieniądza z wykorzystaniem wartości pieniądza w czasie. Prognozuj kwotę jednorazową plus regularne wpłaty z procentem składanym przy dowolnej stopie, okresie i częstotliwości kapitalizacji.

Oblicz cenę sprzedaży na podstawie kosztu produktu i procentu narzutu, plus zysk na jednostkę i wynikową marżę zysku.

Prognozuj swoje oszczędności emerytalne na podstawie obecnego wieku, wieku emerytalnego, obecnych oszczędności, miesięcznych wpłat i oczekiwanego rocznego zwrotu.

Oblicz zwrot z inwestycji (ROI) w procentach, zysk lub stratę netto oraz zannualizowany zwrot w okresie utrzymywania inwestycji.

Dodaj podatek od sprzedaży do ceny lub wylicz podatek z sumy zawierającej podatek, pokazując cenę netto, kwotę podatku i cenę brutto.

Project your 401(k) balance from salary, contribution %, employer match and expected return. Includes employer match modelling.

Project your 403(b) retirement balance for teachers, nurses and non-profit employees, including the 15-year catch-up rule.

Project your 529 college savings plan balance from current balance, monthly contributions and expected return.

Calculate the Average Daily Rate (ADR) for a hotel or rental property, plus occupancy rate and RevPAR from total room revenue.

Calculate AFFO, FFO, AFFO per share, and P/AFFO for REITs — the key metrics for evaluating real estate investment trust cash flow.

Calculate Additional Funds Needed (AFN) for financial planning: how much external financing a company must raise to support its projected sales growth.

Calculate your US Adjusted Gross Income (AGI) by subtracting above-the-line deductions from total gross income.

Calculate Average Propensity to Consume (APC) and Average Propensity to Save (APS) from income and spending.

Calculate the true Annual Percentage Rate (APR) of a loan including upfront fees, monthly payment, and total interest cost.

Calculate Annual Percentage Yield (APY) from a nominal interest rate and compounding frequency, including continuous compounding.

Calculate After Repair Value (ARV), net profit and ROI for fix-and-flip real estate. Includes the 70% rule maximum offer price.

Calculate Average Variable Cost (AVC = TVC ÷ Q) and optionally Average Fixed Cost and Average Total Cost from your production figures.

Calculate CAGR from beginning and ending values over any number of years — the smoothed annual growth rate for investments, revenue or any metric.

Calculate the expected return on an asset using CAPM: risk-free rate plus beta times the market risk premium. Plots the Security Market Line (SML).

Calculate the maturity value and interest earned on a Certificate of Deposit (CD). Enter the principal, APR, term and compounding frequency to see APY and final balance.

Calculate customer lifetime value (CLTV) from order value, purchase frequency, lifespan and gross margin, plus LTV:CAC ratio and payback period.

Calculate Cost of Goods Sold using beginning inventory, purchases and ending inventory — plus gross profit and gross margin if you enter revenue.

Calculate Cost Per Acquisition (CPA) from total ad spend and conversions, plus ROAS and profit when you add total revenue.

Calculate CPM (cost per 1,000 impressions), total ad cost, or total impressions for any digital advertising campaign.

Calculate Click-Through Rate (CTR) from clicks and impressions. Add ad cost to get CPC and CPM alongside your CTR.

Calculate Customer Acquisition Cost by dividing total sales and marketing spend by the number of new customers acquired in the same period.

Calculate net present value (NPV) by discounting annual cash flows at your required return rate. Includes terminal value and payback period.

Calculate how long it takes to pay off a debt and the total interest you will pay, given balance, interest rate, and monthly payment.

Calculate the Debt Service Coverage Ratio (DSCR) from net operating income and annual debt payments — used by lenders to assess loan eligibility.

Calculate your Debt-to-Income ratio (DTI) by entering monthly debt payments and gross income — see how lenders assess your borrowing capacity.

Convert a nominal interest rate to the Effective Annual Rate (EAR) for any compounding frequency — daily, monthly, quarterly, or continuous.

Calculate EBIT (Earnings Before Interest and Taxes) from revenue, COGS and operating expenses — with gross margin and EBIT margin.

Calculate EBT (Earnings Before Tax) from revenue, COGS, operating expenses and interest expense — and find the EBT margin.

Calculate the maturity corpus and Section 80C tax savings for an ELSS investment, for both lump sum and monthly SIP modes.

Calculate your monthly EMI, total interest and see the outstanding balance curve for any loan amount, rate and tenure.

Calculate the Expected Monetary Value of a decision by weighting up to three scenarios by their probabilities and monetary outcomes.

Find the Economic Order Quantity (EOQ) that minimises total inventory cost — ordering cost balanced against annual holding cost.

Estimate your EPF corpus at retirement based on India's EPF contribution rules and the EPFO's 2023-24 interest rate of 8.15 % (editable).

Calculate basic and diluted Earnings Per Share (EPS) from net income, preferred dividends and share counts, plus the P/E ratio.

Calculate FFO, FFO per share, and P/FFO for REITs — the standard NAREIT metric for evaluating real estate investment trust operating performance.

Calculate your FIRE number, years to financial independence, and portfolio growth using the 4 % safe withdrawal rule and compound returns.

Calculate GDP using the expenditure approach: GDP = C + I + G + (X − M). See each component's share of total output.

Calculate GRP (Gross Rating Points), Cost Per Point (CPP) and Cost Per Thousand (CPM) for any advertising campaign. Enter reach, frequency and spend to plan media budgets.

Calculate the Herfindahl-Hirschman Index (HHI) to measure market concentration — enter up to 10 firm market shares to get the index and DOJ classification.

Project IRA balance growth to retirement, compare Traditional (pre-tax) vs Roth (post-tax) after-tax values, based on 2025 contribution limits.

Calculate the Liquidity Coverage Ratio (LCR) per Basel III: HQLA divided by 30-day net cash outflows, with inflow cap applied.

Calculate Loss Given Default (LGD), recovered amount, and Expected Loss (EL) from EAD, recovery rate and probability of default.

Calculate your monthly loan payment, total interest, total cost of credit and APR for any loan amount, rate, term and upfront fee.

Calculate the LTV ratio for a mortgage or home loan, your equity percentage, and whether PMI is likely required.

Calculate your 2024 MAGI for Roth IRA contributions and traditional IRA deductibility — enter AGI plus common add-backs.

Calculate the Marginal Propensity to Consume (MPC), Marginal Propensity to Save (MPS), and the Keynesian fiscal multiplier from income and spending changes.

Calculate the Marginal Propensity to Save (MPS), MPC, and the Keynesian fiscal multiplier from income and savings changes across two periods.

Calculate Market Value Added (MVA) — the difference between a firm's market capitalisation and book equity — to measure wealth created for shareholders.

Calculate Net Asset Value (NAV) per share for mutual funds, ETFs, or investment companies, plus the premium or discount to market price.

Calculate the Net Promoter Score (NPS) from Promoter, Passive, and Detractor counts with a segment breakdown.

Calculate the Net Stable Funding Ratio (NSFR) for Basel III compliance — check whether Available Stable Funding meets Required Stable Funding.

Calculate your full monthly mortgage payment (PITI): Principal, Interest, property Taxes and homeowners Insurance — plus PMI if applicable.

Calculate monthly and annual PMI, your loan-to-value ratio, and when PMI will drop off your mortgage.

Calculate PPF maturity value, total interest earned and corpus growth year by year for any deposit amount, rate and period.

Calculate the PPP-implied exchange rate between two currencies from basket prices and compare it to the actual market rate to reveal over/under-valuation.

Calculate PVGO (Present Value of Growth Opportunities) to split a stock price into its no-growth earnings value and the market premium placed on future growth.

Calculate the maturity value and interest earned on a Recurring Deposit (RD). Enter your monthly installment, interest rate and term to see the total payout.

Calculate your rent-to-income ratio, total housing cost and monthly surplus. See whether your rent passes the 30% rule and how it fits into your overall budget.

Calculate your IRS Required Minimum Distribution (RMD) from a traditional IRA or 401(k) using the 2022 Uniform Lifetime Table.

Calculate Return on Assets (ROA) as net income divided by average total assets — a key measure of how efficiently a company uses its asset base to generate profit.

Calculate Return on Ad Spend (ROAS) as the ratio of ad-attributed revenue to ad spend. Enter optional COGS to see gross profit after advertising costs.

Calculate Return on Equity (ROE) as net income ÷ average shareholders' equity, with optional DuPont decomposition into margin, turnover and leverage.

Calculate Return on Invested Capital (ROIC) as NOPAT divided by invested capital — the gold-standard metric for assessing whether a business creates or destroys shareholder value.

Calculate Return on Sales (ROS): operating profit divided by net revenue, expressed as a percentage — the operating margin.

Calculate the Relative Strength Index (RSI) from average gain and average loss over a period — with overbought/oversold signal zones.

Calculate the maturity value of India's Sukanya Samriddhi Yojana account — annual deposits, compound interest, total interest earned.

Calculate how long your investment corpus lasts with a fixed monthly withdrawal and expected annual return rate.

Calculate OSHA's Total Recordable Incident Rate (TRIR) and benchmark your workplace safety against US industry averages.

Calculate Value at Risk (VaR) and Expected Shortfall (CVaR) for a portfolio using the parametric normal-distribution method at 90–99.9 % confidence.

Calculate WACC using equity and debt market values, cost of equity (CAPM), pre-tax cost of debt, and the corporate tax rate for the interest tax shield.

Calculate monthly payments, balance at reset and total interest for a 10/1 ARM — fixed for 10 years, then adjusting annually.

Calculate weekly, monthly and annual gross pay for 12-hour shift workers — handles night-shift differential and daily or weekly overtime rules.

Check if your housing and debt payments meet the 28/36 mortgage qualification rule — max 28 % of income on housing, 36 % on all debt.

Use the 3× income rule to find your maximum affordable rent, check if your income qualifies, or find the income needed for a given rent.

Compare the total cost of buying a 3D printer against outsourcing prints to a service over any time horizon, with breakeven analysis.

Split your after-tax income into needs (50%), wants (30%) and savings (20%) using the 50/30/20 budgeting rule — fully adjustable percentages.

Split your monthly take-home pay into 70% living expenses, 20% savings and 10% giving or debt using the 70/20/10 budget rule.

Calculate the employee absence rate as a percentage of scheduled working days — for individuals or teams over any period.

Calculate accounting profit = revenue minus all explicit costs (COGS, operating, admin, depreciation). Shows gross profit and margin.

Calculate the accrual ratio (cash-flow and balance-sheet based) to assess earnings quality. High ratios may flag aggressive accounting.

Calculate accumulated depreciation and current book value using straight-line, double-declining or 150% declining-balance methods.

Calculate the actual cash value (ACV) of an item after depreciation — used by insurers to determine claim payouts.

Calculate the after-tax cost of debt using Kd × (1 − T). Enter the pre-tax interest rate and corporate tax rate to find the effective borrowing cost.

Estimate your 2025 Alabama state income tax — including the federal tax deduction, standard deductions, exemptions, and FICA withholding.

Estimate your US Alternative Minimum Tax for 2024 — enter taxable income, AMT preferences, filing status and regular tax.

Estimate your 2021 third Economic Impact Payment under the American Rescue Plan Act based on AGI, filing status, and dependents.

Convert any pay period (hourly, daily, weekly, monthly) to annual income, and see the equivalent across all periods.

Calculate total annual pay from base salary, bonus percentage, overtime hours, and other income sources.

Convert hourly, daily, weekly, bi-weekly or monthly pay to an annual salary — with full per-period breakdown.

Convert your annual gross salary to an equivalent hourly rate — adjust for hours per week and paid time off.

Convert an annual gross salary to monthly, bi-weekly, weekly, daily and hourly equivalents instantly.

Calculate the compound annual growth rate (CAGR) from a starting value, ending value and holding period in years.

Calculate the future value of an annuity: how much regular deposits grow with compound interest over time.

Calculate the periodic payout from an annuity: how much regular income a lump sum generates at a given interest rate over a set term.

Calculate the present value of an ordinary annuity or annuity due — the single lump sum today equal to a stream of equal future payments.

Calculate how much an asset (property, investment, collectible) will be worth after compound annual appreciation over any time horizon.

Calculate Accounts Receivable Days (DSO) and the AR turnover ratio from your AR balance, revenue and credit-sales percentage.

Calculate ARM mortgage payments: initial fixed-rate payment, projected payments after each rate adjustment, maximum payment and total interest.

Estimate monthly APY contributions needed to receive a guaranteed pension of ₹1,000–₹5,000/month at age 60 under India's Atal Pension Yojana scheme.

Calculate employee attrition rate and retention rate from headcount and departures — useful for HR planning and workforce analysis.

Estimate Australian resident income tax for FY 2024-25 with the Stage 3 modified brackets, Low Income Tax Offset (LITO) and Medicare Levy.

Calculate your monthly car lease payment from MSRP, residual value, APR and term using the standard money-factor formula.

Calculate monthly car loan payments, total interest, and full cost of ownership — with down payment, trade-in, and sales-tax support.

Calculate average collection period (DSO) and receivables turnover ratio from accounts receivable and net credit sales.

Calculate average fixed cost per unit and see how AFC falls as production rises — a core concept in cost accounting and break-even analysis.

Calculate how much interest you save by transferring a credit card balance to a lower-rate card, after accounting for the transfer fee.

Calculate the balloon payment, monthly instalment, and total interest on a balloon mortgage or loan using a standard amortization schedule.

Reconcile your bank statement with your cash book — find deposits in transit, outstanding checks, bank charges and NSF adjustments.

Convert basis points to percentage, decimal and currency change instantly. 1 bp = 0.01%. Essential for interest rates and yield spreads.

See how bi-weekly mortgage payments (26 half-payments/year) reduce total interest paid and shorten your loan term.

Estimate federal income tax under the Biden FY2025 budget proposal (39.6% top rate) vs current TCJA 2024 brackets.

Calculate your monthly EMI for a bike or scooter loan — enter price, down payment, interest rate and tenure to see total interest and balance curve.

Calculate the bill rate (client charge) from pay rate, overhead burden and target profit margin or markup for staffing and consulting.

Calculate weekly, monthly and annual income from hourly rate, working hours, days per week and billable efficiency percentage.

Calculate the expected return from a Bitcoin ETF investment, accounting for annual expense ratio fee drag against a BTC price target over any holding period.

See how biweekly mortgage payments cut your loan term and total interest — enter loan amount, rate and term to compare.

Estimate your biweekly take-home pay after federal tax, state tax, FICA and other deductions from your annual salary.

Calculate your final Black Friday price after a percentage discount and sales tax — see exactly how much you save.

Price European call and put options using the Black-Scholes model — includes delta, gamma, vega and theta Greeks.

Calculate the blended (weighted average) interest rate across multiple loans or mortgages, weighted by each loan's outstanding balance.

Calculate your monthly boat loan payment, total interest and full cost of ownership from price, down payment, rate and term.

Calculate bond price, modified duration and convexity for any coupon bond — see the curved price-yield relationship and measure interest-rate sensitivity.

Calculate the current yield of a bond — annual coupon income divided by current market price — and see whether it trades at premium or discount.

Calculate a bond's current yield — annual coupon income as a percentage of the current market price — and see the premium or discount to par value.

Convert a T-bill discount rate into a bond-equivalent yield (BEY) for fair comparison with semi-annual coupon bonds.

Calculate the fair price of a coupon bond given face value, coupon rate, required yield and maturity using present-value discounting.

Calculate the yield to maturity (YTM) of a coupon bond using Newton-Raphson iteration on the full present-value pricing equation.

Calculate your website bounce rate and engagement rate from total sessions and single-page bounces, with industry benchmark comparison.

Calculate the Bradford Factor (S² × D) to measure how disruptive an employee's absence pattern is compared to total days lost.

Estimate the additional cost of post-Brexit UK-EU trade: import/export tariffs, non-tariff barriers and customs admin by sector.

Enter monthly income and expenses to instantly calculate your savings, savings rate, and see a visual breakdown of where your money goes.

See how long it takes to rebuild your savings after a financial setback using regular contributions and compound investment growth.

Compare the total cost of building something in-house versus buying or licensing an existing solution over a multi-year time horizon.

Calculate your startup's gross and net burn rate, and how many months of runway remain before cash runs out.

Calculate sprint burndown: ideal vs. actual velocity, remaining story points, projected completion date, and whether the team is on track.

Calculate gross profit, operating profit, and profit margins from revenue, COGS, fixed costs, variable costs, and other expenses.

Calculate the monthly repayment, total interest, and total cost of a business loan given the amount, annual rate, and term.

Estimate a business value using three methods: EBITDA multiple, revenue multiple, and P/E ratio — with an average across all three.

See how inflation erodes purchasing power over time: enter an amount, annual inflation rate, and years to find real value and equivalent future cost.

Calculate California overtime pay under Labor Code § 510 — daily OT (1.5× after 8 hrs, 2× after 12), weekly OT and 7th-day rules.

Estimate your California Middle Class Tax Refund (MCTR) payment based on your 2020 CA AGI, filing status and dependents.

Estimate your 2024 California state income tax, SDI deduction, effective and marginal rates, and after-tax take-home pay.

Calculate option profit, loss, and breakeven at expiry for long call and put positions. See the payoff diagram for any strike and premium.

Calculate the capitalisation rate (cap rate) of a real estate investment from net operating income and property value, with GRM and NOI margin.

Calculate capital gains yield (price appreciation) and total return including dividends for any stock, fund or asset holding.

Find the maximum car price you can afford based on your income, down payment, loan terms and monthly running costs.

Calculate how much a car loses in value each year using declining-balance or straight-line depreciation, with a year-by-year value chart.

Calculate your monthly car lease payment from cap cost, residual value, APR and term using the standard money-factor lease formula.

Calculate your new monthly car payment and total interest saved when refinancing an auto loan at a lower rate or different term.

Calculate GP carried interest and LP net profit from fund returns, hurdle rate and carry percentage for private equity or venture capital funds.

Calculate the net carry profit from a currency carry trade — borrow in a low-rate currency, invest in a high-rate currency, with optional leverage.

Estimate your proposed CASH Act 2020 stimulus payment: $2,000 per adult plus $500 per dependent, phased out by AGI and filing status.

Calculate annual cash back rewards from a credit card, including bonus categories and annual fees, to find your net return and break-even point.

Calculate the Cash Conversion Cycle (CCC) from DIO, DSO and DPO to measure how efficiently a business converts operations into cash flow.

Calculate the cash flow to debt ratio (operating cash flow ÷ total debt) to assess how quickly a business can repay its debt from operations.

Calculate the cash ratio (cash + cash equivalents ÷ current liabilities) — the most conservative liquidity metric showing a company's ability to cover short-term obligations with only its most liquid assets.

Calculate how much cash you can extract from a home refinance, the new monthly payment, and remaining equity — based on LTV, rate, and closing costs.

Estimate your total monthly cell phone bill: base plan, data add-ons, device payments, insurance and taxes across one or more lines.

Estimate your 2024 US Child Tax Credit and refundable Additional CTC (ACTC) based on number of children, AGI, and filing status.

Calculate customer churn rate, retention rate, annualised churn, customer LTV, and MRR impact from a single period of lost customers.

Calculate economic output Q = A × Lᵅ × Kᵝ, returns to scale, and marginal products of labor and capital.

Calculate the combined ratio for property & casualty insurance: loss ratio + expense ratio, with underwriting profit or loss.

Calculate the full cost of a commercial lease — base rent with annual escalations, NNN charges, and security deposit — over any term.

Calculate sales commission from a flat or tiered rate, add a base salary, and see total earnings and the effective commission rate.

Identify which country or producer has the comparative advantage in each good and find the mutually beneficial terms of trade.

Calculate the final value, total return, and growth multiple for any compound growth rate over years, quarters, or months.

Calculate consulting revenue, profit and net take-home for hourly, daily or fixed project rates — with expenses and income tax.

Calculate consumer surplus (CS = ½ × (Pmax − P) × Q) from the demand intercept, market price and quantity. Plots the demand curve and CS triangle.

Calculate final amount, interest earned and effective annual yield with continuous compounding using the formula A = Pe^(rt).

Calculate contribution margin per unit, CM ratio, break-even volume and operating profit from selling price, variable and fixed costs.

Calculate total operating costs, operating margin and cost-to-revenue ratio. Enter payroll, COGS, rent, marketing, insurance and other expenses against your revenue.

Calculate the cost of equity using the Capital Asset Pricing Model (CAPM): Re = Rf + β × (Rm − Rf). Shows the Security Market Line with your stock plotted on it.

Calculate periodic and annual bond coupon payments from face value and coupon rate — for annual, semi-annual, quarterly or monthly paying bonds.

Calculate a bond coupon rate from annual coupon payment and face value, plus current yield from market price — with premium/discount display.

Calculate CPC (cost per click), CPM (cost per 1,000 impressions) and CTR (click-through rate) from ad spend, impressions and clicks.

Convert money between years using actual CPI index values. Find inflation-adjusted equivalents, cumulative inflation, and purchasing power retained.

Calculate how long it takes to pay off a credit card balance and the total interest paid at a fixed monthly payment.

Calculate the daily, monthly and annual interest charged on a credit card balance at a given APR.

Calculate your credit card minimum payment and see the true cost of paying only the minimum each month in total interest and years of debt.

Calculate the fixed monthly payment needed to pay off a credit card balance in a chosen number of months at a given APR.

Enter your credit card balance, APR and monthly payment to see when the debt is cleared and the total interest cost.

Calculate the credit spread in basis points between a corporate bond yield and a risk-free Treasury yield, plus extra income earned.

Calculate your credit utilization ratio — the percentage of available credit you are using — and see how it rates for credit-score purposes.

Calculate the cross exchange rate between two currencies that share a common base — no need for a direct quote.

Calculate cross-price elasticity (XED) to determine if two goods are substitutes, complements, or independent from each other.

Calculate the fair forward exchange rate using covered interest rate parity: F = S × (1+r_d)^t / (1+r_f)^t.

Calculate a company's current ratio, quick ratio and cash ratio to assess short-term liquidity and financial health.

Calculate customer retention rate and churn rate from start, end, and new customer counts for any period.

Calculate your Cyber Monday final price after a percentage discount, credit-card cashback and shipping cost — see your true savings.

Calculate the OSHA DART rate (Days Away, Restricted or Transferred) per 100 FTE workers. Formula: (cases × 200,000) / hours worked.

Calculate Days Inventory Outstanding (DIO) — how many days a company holds inventory before selling it — from COGS, beginning and ending inventory values.

Calculate DPO — the average days a company takes to pay suppliers — from accounts payable and cost of goods sold.

Calculate DSO — how many days on average a company takes to collect payment — from accounts receivable and net sales.

Calculate the deadweight loss (efficiency loss) from a tax, price floor, price ceiling, or monopoly pricing using supply and demand elasticities.

Calculate total interest and payoff time using the debt avalanche method — targeting the highest-APR debt first to minimise interest paid.

Compare total interest and payoff time for keeping debts separate vs consolidating into a single lower-rate loan. Includes origination fee break-even.

Calculate total interest and payoff time using the debt snowball method — targeting the smallest balance first for motivating quick wins.

Calculate the debt-to-asset ratio — total liabilities divided by total assets — a core solvency metric showing how creditor-financed a company is.

Calculate the debt-to-capital ratio — total debt divided by total capital (debt + equity) — a bounded measure of a company's financial leverage.

Calculate the D/E ratio — total debt divided by shareholders' equity — a fundamental financial leverage metric used in corporate analysis.

Calculate the Defensive Interval Ratio — how many days a company can operate on its liquid assets alone without needing new revenue or financing.

Calculate the annual payout from a deferred annuity: enter the lump-sum premium, growth rate, deferral years and payout period to see income and total return.

Calculate monthly payments and total interest cost for a loan with a deferral period during which interest capitalises on the balance.

Calculate the degree of operating leverage (DOL) from revenue, variable costs and fixed costs to measure EBIT sensitivity to sales changes.

Calculate annual asset depreciation using straight-line, double-declining balance, or sum of years' digits. See book value decline year by year.

Calculate the direct material price variance (DMPV) to see whether actual material costs were above or below the standard budget.

Calculate the implied discount rate from present and future values, or compute WACC as the blended cost of capital for DCF valuation.

Find your discretionary income by subtracting taxes and essential living expenses from gross income — see what you can freely save or spend.

Calculate disposable (take-home) income by subtracting income tax, social security, and other mandatory deductions from gross income.

Calculate annual dividend income, dividend yield and monthly income from shares. Enter shares, dividend per share and stock price.

Calculate a stock's intrinsic value using the Gordon Growth Model: P = D₁ / (r − g), with projected dividend chart.

Calculate the dividend payout ratio and retention ratio from total dividends paid and net income. Assess how much profit is returned to shareholders.

Calculate dividend yield from annual dividend per share and stock price. Compare income-generating stocks on a like-for-like basis.

Apply two sequential discounts to a price and find the final cost, total saving, and the equivalent single-discount rate.

Calculate the down payment, loan amount, closing costs and total cash needed upfront to buy a home.

Find out how many months until you reach a savings goal — enter your target, current savings, monthly deposit and expected annual return.

Decompose Return on Equity into profit margin, asset turnover and financial leverage using the 3-factor and 5-factor DuPont identity.

Calculate your FIRE number, years to financial independence, and portfolio growth curve using the safe withdrawal rate rule.

Calculate EVM project metrics: CPI, SPI, EV, CV, SV, EAC, ETC and VAC from budget, planned value, actual cost and % complete.

Calculate the earnest money deposit for a home purchase, how it applies to your down payment, and your remaining cash needed at closing.

Calculate EBITDA from net income, interest, taxes, depreciation and amortization for operational profitability analysis.

Calculate EBITDA margin (EBITDA ÷ Revenue × 100%) to benchmark operating profitability across companies and sectors.

Calculate monthly payments, total interest, and repayment schedule for an SBA Economic Injury Disaster Loan (EIDL).

Calculate economic profit by subtracting both explicit costs and opportunity costs from revenue — the true measure of whether a business creates value.

Calculate EVA — net operating profit after tax minus the capital charge — to measure whether a business creates or destroys shareholder value.

Calculate the Effective Annual Yield (EAY) from any holding period return — accounts for compounding to give a true like-for-like annual return.

Calculate a company's effective corporate tax rate — income tax expense ÷ pre-tax income — and compare it against the statutory rate.

Calculate effective duration, modified duration, Macaulay duration, DV01 and convexity for a fixed-rate bond using a parallel yield shock.

Calculate the true effective interest rate (APR) on a loan, accounting for both the compounding of the nominal rate and any origination fee charged upfront.

Calculate your emergency fund target, current shortfall and how many months it will take to reach the goal at your monthly savings rate.

Calculate employee turnover rate and annualized retention rate from headcount and departures for any measurement period.

Calculate ending inventory using the accounting identity Beginning + Purchases − COGS, plus inventory turnover ratio and days inventory outstanding.

Calculate enterprise value — market cap plus net debt, preferred stock, and minority interest — for M&A, company valuation, and EV/EBITDA multiples.

Calculate EPS growth rate, compound annual growth rate (CAGR), P/E ratio and PEG ratio from base and current earnings per share.

Convert a nominal interest rate from one compounding frequency to another equivalent rate — monthly to annual, quarterly to monthly, and more.

Calculate the EV/EBITDA valuation multiple and see implied enterprise values at 5×, 8×, 10×, 12×, and 15× benchmarks.

Calculate the EV/Sales (enterprise value to revenue) ratio from market cap, debt and cash — a key valuation multiple for comparing companies.

Calculate investment exit returns: exit multiple (MOIC), gross and net IRR, total return, carried interest, and net proceeds to investors.

Calculate the probability-weighted expected return of an investment across bull, base, and bear scenarios, with standard deviation and risk metrics.

Compute expected utility and certainty equivalent of a 3-scenario lottery under log, square-root, linear, or CRRA power utility functions.

Calculate how much an investment fund's annual expense ratio costs over time and compare net vs gross portfolio growth.

Calculate FHA loan monthly payments including mortgage insurance premium (MIP), total interest, and loan cost breakdown.

Calculate Fibonacci retracement and extension levels (23.6%, 38.2%, 50%, 61.8%, 78.6%) from a swing high and swing low for technical analysis.

Calculate 2025 FICA taxes — Social Security and Medicare — for employees and self-employed individuals, including the Additional Medicare Tax.

Calculate cost of goods sold (COGS) and ending inventory value using the FIFO (First In, First Out) inventory costing method across up to three purchase lots.

Calculate the finance charge on a credit card or revolving loan balance using APR, billing period, and the Average Daily Balance or daily/monthly periodic rate method.

Calculate financial leverage ratios: debt-to-equity, debt-to-assets, equity multiplier, interest coverage, and degree of financial leverage (DFL).

Solve the Fisher Effect equation for the nominal rate, real rate or expected inflation — with the exact and approximate forms side by side.

Calculate the real interest rate from the nominal rate and expected inflation using the exact Fisher equation r = (1+i)/(1+π) − 1.

Calculate the fixed asset turnover ratio (FATO) from net revenue and net fixed assets to measure how efficiently a company uses PP&E.

Calculate FD maturity amount and interest for any compounding frequency with optional TDS/withholding tax deduction.

Calculate Florida overtime pay: regular + 1.5× for hours over 40 per week under federal FLSA rules applicable in Florida.

Calculate the annualised forward premium or discount between a spot and forward exchange rate for any contract period.

Calculate the implied forward interest rate between two maturities from their spot rates using the no-arbitrage bootstrapping formula.

Calculate free cash flow (FCF) from operating cash flow minus CapEx, plus FCF margin, FCF yield and conversion rate.

Calculate FCFE — the cash available to equity shareholders — from net income, D&A, CapEx, working capital changes and net borrowings.

Calculate FCFF (unlevered free cash flow to the firm) from EBIT, tax rate, D&A, CapEx and working capital change — the input to enterprise-value DCF models.

Calculate a stock's free float percentage and shares, the portion publicly tradeable after excluding promoter, government and locked-in holdings.

Calculate total FTE from full-time and part-time employees. Converts part-time hours to FTE units for headcount planning and workforce reporting.

Project your salary over time with annual raises and inflation — see both nominal and real (purchasing-power) values year by year.

Calculate futures contract P&L, notional value, initial margin required and leverage from entry price, exit price and contract size.

Calculate the GDP deflator from nominal and real GDP, and the implied inflation rate between two periods.

Calculate the GDP output gap (actual minus potential GDP) as a percentage, and identify recessionary or inflationary gaps.

Calculate GDP growth rate between two periods — simple growth, compound annual growth rate (CAGR), and annualised quarterly or monthly rates.

Calculate GDP per capita (GDP divided by population) to compare living standards across countries or time periods.

Calculate Georgia overtime pay for hours over 40 per week. Georgia follows federal FLSA: overtime is 1.5× the regular rate. 2025 federal minimum wage: $7.25/hr.

Calculate the gift of equity when a family member sells property below market value. Find the effective down payment, LTV and estimated mortgage payment.

Calculate the Gini coefficient from five income quintiles and visualise the Lorenz curve vs perfect equality.

Calculate GMROI to measure how many dollars of gross margin your business earns for every dollar invested in average inventory.

Calculate the melt value of gold jewelry, coins or bars from weight, karat purity and the current spot price per troy ounce.

Calculate accounting goodwill (or bargain purchase gain) for a business acquisition: purchase price minus net fair value of identifiable assets.

Estimate monthly and annual Google AdSense revenue from your pageviews, click-through rate and cost per click.

Calculate Benjamin Graham's intrinsic value formula: √(22.5 × EPS × BVPS) to find a stock's maximum fair price.

Calculate your India gratuity payout under the Payment of Gratuity Act 1972 — basic salary, years served, and coverage type.

Calculate gross profit and gross margin percentage from revenue and cost of goods sold (COGS), plus the markup on COGS.

Calculate the Gross Rent Multiplier (GRM) and gross yield for a rental property from the purchase price and monthly rent.

Convert gross salary to net take-home pay by applying income tax, social security and other deduction rates — monthly or annual.

Calculate the present value and future value of a growing annuity — a series of cash flows that increase at a constant rate each period.

Calculate Canadian GST (5%) and Quebec QST (9.975%) — add both taxes to a pre-tax price or back them out of a tax-inclusive total.

Calculate or validate the GS1 check digit for GTIN-8, GTIN-12 (UPC-A), GTIN-13 (EAN-13) and GTIN-14 barcodes.

Estimate your stimulus check under the 2020 HEALS Act proposal: $1,200/adult + $500/child, phasing out from $75,000 AGI.

Estimate two-phase enhanced unemployment benefits modelled on the 2020 US HEALS Act: state UI plus a federal supplement, then a wage-replacement target.

Compare your estimated stimulus payment under the 2020 Senate HEALS Act ($500/dependent) versus the House HEROES Act ($1,200/dependent) — both never enacted.

Calculate the minimum-variance hedge ratio h* = ρ × (σS/σF) and the number of futures contracts needed to optimally hedge a spot market exposure.

Calculate HELOC interest-only draw-period payments, fully amortised repayment payments, and total interest cost.

Estimate what you would have received under the House HEROES Act (H.R.6800) — $1,200/adult and $1,200/dependent, up to 3 dependents, with income phase-out.

Separate fixed and variable costs from two data points using the high-low method of cost accounting.

Calculate the holding period return (HPR) of any investment: enter beginning value, ending value, and any income received to get the total and annualized return.

Find the maximum home price you can afford using the 28/36 debt-to-income rule, your down payment and current mortgage rates.

Calculate monthly payments, total interest and total cost for a home improvement or renovation loan from the loan amount, rate and term.

Calculate your monthly home loan payment, total interest and see how your loan balance falls over time from home price, down payment, rate and term.

Calculate your complete monthly mortgage payment including principal, interest, property tax, homeowner insurance and PMI (PITI).

Estimate your US home's current market value using purchase price, annual appreciation, and capital improvements.

Convert an hourly wage to annual, monthly, bi-weekly and weekly gross salary instantly — adjust hours per week and weeks worked.

Convert your hourly pay rate to daily, weekly, bi-weekly, semi-monthly, monthly and annual salary equivalents.

Calculate annual salary from an hourly rate including overtime pay — enter regular hours, overtime hours and the overtime multiplier.

Convert any salary (annual, monthly, bi-weekly or weekly) to an equivalent hourly wage based on your hours worked per week.

Calculate your total pay from hours worked at an hourly rate — including overtime with a custom multiplier (time-and-a-half, double time).

Calculate the return on investment from HR software: labour savings vs implementation and subscription costs, payback period, and net benefit.

Calculate your annual HRA exemption under Indian Income Tax Section 10(13A): lowest of actual HRA, % of basic, and rent minus 10% of basic.

Calculate Illinois weekly gross pay with overtime: regular hours at your rate, every hour over 40 paid at 1.5× under FLSA.

Estimate Illinois income tax (4.95% flat), federal income tax (2025 brackets), Social Security and Medicare for any filing status.

Calculate the periodic payment from a fixed-term immediate annuity: enter a lump sum, interest rate and term to find monthly, quarterly or annual income.

Calculate income elasticity of demand (IED) to classify goods as luxury, normal, necessity, or inferior based on how demand reacts to income changes.

Calculate the information ratio: risk-adjusted active return of a portfolio vs its benchmark. Enter portfolio return, benchmark return and tracking error.

Calculate the interest coverage ratio (ICR) from EBIT and interest expense — assess a company's ability to service its debt.

Solve for the annual interest rate given a starting amount, final value and time period — simple or compound interest.

Calculate the theoretical forward exchange rate using covered interest rate parity (IRP), given spot rate and both countries' interest rates.

Calculate the IRR of an investment from its initial cost and annual cash inflows — solved numerically via bisection.

Calculate the intrinsic value of a stock using the Benjamin Graham revised formula and the Graham Number — with margin of safety.

Calculate inventory turnover ratio and days inventory outstanding (DIO) from COGS and beginning/ending inventory.

Project the final value of an investment with an initial lump sum, regular contributions, and compound interest over any period.

See exactly how annual fund fees (expense ratios) erode your investment returns and compound into a large long-term cost.

Calculate Jensen's alpha to measure how much a portfolio outperformed or underperformed its CAPM-expected return for the level of systematic risk taken.

Calculate monthly payments, total interest, and total cost for a jumbo mortgage (loan above the 2025 FHFA conforming limit of $806,500).

Calculate the true annual cost of an employee: gross wages plus employer payroll taxes, benefits and overhead burden.

Calculate the labor force participation rate (LFPR) from employed, unemployed, and not-in-labor-force population counts.

Calculate monthly payments, total interest, and total cost for a raw land loan with down payment, rate, and term.

Estimate your car lease over-mileage cost at lease end and compare whether buying extra miles upfront saves money.

Calculate daily profit, profit margin, and break-even point for a lemonade stand. Great for kids, classroom projects, and small business basics.

Calculate the Lerner Index (P − MC) / P to measure a firm's market power — from 0 (perfect competition) to 1 (pure monopoly).

Calculate Levered Free Cash Flow (LFCF) from net income, D&A, CapEx, working capital changes and debt repayment — with LFCF margin.

Calculate total gross and after-tax earnings over your entire career, including annual salary raises and bonuses, from start age to retirement.

Calculate COGS and ending inventory value using the LIFO (Last-In, First-Out) method for up to three purchase lots, with a FIFO comparison.

Calculate your liquid net worth — only the assets you can convert to cash within days, minus short-term liabilities.

Find the remaining loan balance at any point during a mortgage or loan — enter the original amount, rate, term, and payments made.

Compare two loans side by side: see which has the lower monthly payment, less total interest, and a lower overall cost.

Calculate total interest paid on a loan over its full term — enter the amount, annual rate, and term in months.

Calculate monthly, bi-weekly, or weekly loan payments from the amount, annual rate, and term — and see total interest and overall cost.

Calculate your monthly loan repayment, total interest paid and principal-vs-interest breakdown for any fixed-rate loan.

Calculate how many months (tenure) it takes to repay a loan given the principal, annual interest rate, and monthly EMI.

Estimate the total cost of long-term care — home aide, assisted living or nursing home — with annual inflation and a funding-gap analysis.

Calculate the loss ratio, combined ratio and underwriting profit for an insurance portfolio from incurred losses and earned premium.

Estimate total lost wages from injury, illness or disability, factoring in any wage-replacement benefits from insurance or workers' compensation.

Compare a lottery annuity payout to its lump-sum cash value and see what you keep after tax — with year-by-year receipts.

Calculate how much of a lottery jackpot you keep after federal and state income tax, for lump sum or annuity payouts.

Calculate the total future corpus from a combined one-time lump sum investment and monthly SIP at a given annual return rate.

Calculate the future value and total returns of a one-time lump sum investment at a given annual return rate over any investment period.

Calculate total man-hours, man-days and estimated labour cost for a project from workers, hours per day and duration.

Calculate individual and blended gross margins for two product sets or business segments, showing how the product mix affects overall profitability.

Calculate how a percentage discount erodes your gross margin — see the new margin, profit per unit and how much margin the discount costs.

Calculate the net selling price, VAT amount, and VAT-inclusive gross price from a cost price, target gross margin, and VAT rate.

Calculate gross profit margin and markup from revenue and cost. Margin = (Revenue − Cost) ÷ Revenue × 100%.

Calculate the exact share price that triggers a margin call based on your initial and maintenance margin requirements.

Calculate the daily, monthly and total interest on a margin loan for any holding period at your broker's annual margin rate.

Calculate the investing margin of safety (discount to intrinsic value) and the accounting margin of safety (sales cushion above break-even).

Calculate marginal cost — the extra cost of producing one more unit — from two total cost and output quantity observations.

Calculate marginal revenue — the additional revenue from selling one more unit — from two total revenue and output quantity observations.

Calculate the markdown percentage from original and sale prices, or find the sale price from a markdown percentage.

Calculate a company's market cap, enterprise value and P/E ratio from share price, shares outstanding, debt, cash and EPS.

Calculate conversion rate, cost per acquisition, revenue, ROI and ROAS from visitors, conversions, spend and average order value.

Calculate the maturity value of an investment or loan using simple or annually compounded interest — principal, rate and term in one step.

Calculate the maximum drawdown (MDD) from peak to trough and the gain needed to fully recover — the standard portfolio risk metric.

Calculate your Mega Millions take-home payout for the lump-sum cash option and 30-year annuity after federal and state taxes.

Calculate mileage reimbursement for business travel using the IRS standard rate or a custom rate, with weekly and annual projections.

Calculate how many years it takes to reach a savings target given monthly contributions, annual return rate, and starting balance.

Calculate Modified Internal Rate of Return (MIRR) using separate reinvestment and finance rates — a more realistic alternative to plain IRR.

Count the total value of US bills and coins by entering the quantity of each denomination — instant total with a breakdown.

Convert money factor to APR and calculate monthly auto lease payments: depreciation + finance charge breakdown.

Calculate the future balance and interest earned on a money market account with optional monthly deposits and compound interest.

Calculate the money multiplier and total deposits created from an initial injection using the fractional reserve formula.

Convert any salary (annual, monthly, weekly or daily) to an hourly rate based on your actual working hours.

Calculate the theoretical broad money supply from a monetary base and reserve requirement ratio using the money multiplier model.

Calculate the month-over-month (MoM) growth rate, absolute change, and annualized equivalent for any metric.

Convert hourly, daily, weekly, fortnightly, quarterly or annual income into your gross monthly equivalent with a full pay-period breakdown.

Calculate your gross monthly income from an hourly wage — enter your rate, hours per day, days per week and weeks per year.

Calculate how a loan moratorium (payment holiday) changes your EMI or tenure — see the new monthly payment and total extra interest cost.

See how much interest you save and how many years you cut off your mortgage by making extra monthly principal payments.

Generate a complete year-by-year mortgage amortization schedule showing principal paid, interest paid, remaining balance, and equity percentage.

Calculate your total monthly PITI mortgage payment — principal, interest, property taxes, homeowners insurance and PMI — in one place.

Compare two mortgage scenarios side by side: monthly payments, total interest and lifetime cost — so you can pick the better deal.

See how adding extra monthly payments to your mortgage cuts total interest and shortens the loan term — with side-by-side comparison.

Enter your remaining mortgage balance, interest rate and monthly payment to find out exactly when your mortgage will be paid off and the total interest left to pay.

Calculate the break-even point and lifetime saving from buying mortgage discount points to lower your interest rate.

Calculate how a one-time lump-sum prepayment reduces your mortgage term or monthly payment — and how much interest it saves you.

Estimate the prepayment penalty for breaking or paying off your mortgage early — using the Interest Rate Differential (IRD) or 3-months interest method.

Calculate your fixed-rate mortgage monthly payment, total interest paid and full repayment cost from loan amount, rate and term.

Compare your current mortgage with a refinance offer — calculate monthly savings, break-even months and net lifetime interest savings after closing costs.

Calculate Simple Moving Average (SMA) and Exponential Moving Average (EMA) for any data series — prices, sales, signals or measurements.

Estimate your mutual fund corpus from a lump sum investment, monthly SIP, expected annual return, and investment period — with a full breakdown of invested vs earned.

Calculate cyclical unemployment and the GDP output gap using Okun's law, given the actual unemployment rate and the NAIRU.

Calculate net debt (total debt minus cash and equivalents) and key leverage ratios — Net Debt/EBITDA and net gearing — for corporate financial analysis.

Calculate net effective rent (NER) by blending free rent months and tenant improvement allowances into a single monthly figure — the true economic cost of a lease.

Calculate net income from revenue, COGS, operating expenses, interest and tax rate — the full income statement in one step.

Calculate Net Operating Assets — the capital deployed in core business operations — from balance-sheet totals by stripping out financial items.

Calculate NOI from gross rental income, vacancy rate and operating expenses. Includes cap rate and gross rent multiplier for property valuation.

Calculate NOWC — the operating current assets minus operating current liabilities — to measure the short-term capital tied up in core business operations.

Calculate NPV of a project with uniform annual cash flows. Shows profitability index, payback period and an NPV-vs-discount-rate sensitivity curve.

Calculate net profit margin as a percentage of revenue — see how much of every dollar of sales becomes actual profit.

Convert a net (take-home) amount back to the gross figure — useful for salary, freelance rates, tax, VAT and price calculations.

Calculate your personal net worth by subtracting total liabilities from total assets — cash, investments, property, loans and debts.

Calculate New York overtime pay: hours over 40 per workweek are paid at 1.5× (time and a half) the regular rate under federal FLSA.

Estimate your 2024 New York state income tax, NYC local tax, and federal income tax from your annual gross income.

Calculate NOPAT from EBIT and the effective tax rate, with optional ROIC if you supply invested capital.

Estimate your NPS Tier I corpus, annuity amount and monthly pension at retirement based on salary, contribution rates and expected returns.

Calculate occupancy rate, vacancy rate, and RevPAR for hotels, short-term rentals, or any capacity-based business.

Calculate working days, weekend days, and total off days in any calendar period for payroll, project planning, or financial accruals.

Solve Okun's law for GDP growth, unemployment change, or the Okun coefficient — the empirical link between economic output and joblessness.

Calculate marketing ROI, ROAS, cost per acquisition and CLV/CPA ratio for any digital marketing campaign.

Calculate operating asset turnover — revenue divided by operating assets — to measure how efficiently a business uses its working assets.

Calculate operating cash flow (OCF) from net income, depreciation, and changes in working capital using the indirect method.

Calculate the operating cash flow ratio (OCF ÷ current liabilities) to assess a company's short-term liquidity from actual cash generation.

Calculate operating margin (EBIT margin) from revenue, cost of goods sold and operating expenses — a key profitability metric for any business.

Calculate the opportunity cost of choosing one investment or spending path over the best available alternative using compound growth.

Calculate the minimum-variance hedge ratio h* = ρ × (σ_S / σ_F), hedge effectiveness R², and number of futures contracts needed to hedge a position.

Find the profit-maximising price using the Lerner pricing rule: P* = MC × |ε| / (|ε| − 1), given marginal cost and price elasticity of demand.

Calculate max profit, max loss, breakeven, and return-on-risk for bull call, bear put, bull put, and bear call vertical option spreads.

Calculate overtime pay for any overtime threshold and multiplier — see regular pay, overtime pay and total gross earnings.

Calculate your paycheck with overtime: gross pay, estimated tax withheld and net take-home pay for any pay period.

Calculate monthly amortisation, total interest and payment schedule for a Philippine Pag-IBIG (HDMF) housing loan.

Estimate Pakistani salaried income tax for Tax Year 2025 (FY 2024-25) using the Finance Act 2024 slab rates from the FBR.

Calculate parking ratio (spaces per 1,000 sq ft of GLA) for office, retail, restaurant and other building types against industry benchmarks.

Calculate monthly payments and the balloon payment for a partially amortized loan — payments based on a long amortization period with a lump sum due sooner.

Calculate your new salary after a percentage or flat pay raise. See the annual, monthly and hourly figures, plus the extra monthly income.

Calculate the simple and discounted payback period for any investment. Enter initial cost and net cash flows to see when you break even.

Calculate the total repayment, finance charge and true APR of a payday loan — enter loan amount, fee and term in days.

Calculate PayPal fees on a transaction and find how much to charge to receive a specific amount after fees — 2024 US rates, editable.

Calculate the PEG ratio from the P/E ratio and expected EPS growth rate to see whether a stock is fairly valued relative to its growth.

Convert any number of pence to pounds instantly. Shows whole pounds, remaining pence, and the decimal pound value.

Calculate the sale price and total savings when a percentage discount is applied to an original price.

Calculate the percentage return on any investment, plus the absolute gain and the annualised CAGR over your chosen holding period.

Calculate the present value of a flat or growing perpetuity using PV = C/r or the Gordon Growth Model PV = C/(r − g).

Calculate your personal loan monthly payment, total interest and repayment schedule. Supports monthly, bi-weekly and weekly payments.

Estimate Philippine income tax for compensation earners under the TRAIN Law (RA 10963) graduated rates effective from 2023. See monthly and annual tax and take-home pay.

Calculate the implied inflation rate from the expectations-augmented Phillips Curve (Friedman–Phelps): π = π* − β(u − u*). Plots the trade-off curve.

Calculate intraday pivot points and support/resistance levels (S1–S3, R1–R3) from the prior session high, low and close.

Calculate portfolio beta as the weighted average of individual asset betas — enter up to 6 holdings with their allocation weights.

Calculate monthly interest payouts, total interest earned and effective yield for India's Post Office Monthly Income Scheme (MIS). Rate 7.4% p.a. (Q1 FY2024-25, editable).

Calculate accrued interest on an unpaid court judgment from the award date to payment date using your jurisdiction's statutory annual rate.

Calculate the expected value of a Powerball ticket and your probability of winning the jackpot, after tax and cash-option discount.

Estimate your PPP loan amount and forgiveness under CARES Act rules. Calculates 2.5× or 3.5× monthly payroll, forgiveness eligibility, and any unforgiven balance.

Calculate post-money valuation, investor equity %, and implied share price from a startup funding round.

Calculate the present value (PV) of a future lump sum using a discount rate and compounding frequency — essential for DCF analysis and investment decisions.

Calculate the total cost from unit price and quantity, with optional percentage discount and tax/VAT applied in the correct commercial order.

Calculate the price elasticity of demand (PED) from two price–quantity pairs and classify demand as elastic, inelastic or unit elastic.

Calculate the price elasticity of supply (PES) from two price–quantity pairs and classify supply as elastic, inelastic or unit elastic.

Calculate the true cost per share including brokerage fees. Find your average cost basis to know exactly when a position becomes profitable.

Calculate price per square foot for any property. Compare homes, apartments or commercial spaces on the same metric regardless of size.

Calculate price per m² (and per ft²) from a total property price and floor area — compare real estate values at a glance.

Calculate the P/B ratio from stock price and book value per share to assess whether a stock trades below or above its net asset value.

Calculate the P/CF ratio from stock price and operating cash flow per share — a harder-to-manipulate valuation metric than P/E.

Calculate the P/E ratio and earnings yield from stock price and EPS — the most widely used equity valuation metric, explained.

Calculate the P/S ratio from stock price and revenue per share, with instant valuation zone context for any sector.

Calculate private savings (disposable income minus consumption), private savings rate, and optionally public and national savings from income, taxes, and spending.

Calculate labor productivity in units per man-hour, output per worker, and output per day from headcount, hours, and total output.

Calculate gross profit, net profit, profit margin and markup from revenue, cost of goods sold, and operating expenses.

Calculate the Profitability Index (PI) and Net Present Value (NPV) for equal annual cash flows. PI > 1 signals a value-creating project.

Calculate the prorated rent for a partial month when you move in or out mid-month. Supports both actual-day and 30-day lease basis calculations.

Calculate the prorated salary for a partial pay period — for new hires starting mid-month, leavers, or any partial pay period. Covers monthly, bi-weekly and weekly payroll.

Calculate the implied put or call price using the put-call parity equation, or check whether two option prices are arbitrage-free.

Calculate the PVIFA factor and the present value of an ordinary annuity from a periodic interest rate, years, and payment amount.

Calculate the quick ratio (acid-test ratio) to assess a company's short-term liquidity using cash, securities and receivables.

Convert hourly pay to annual, monthly, biweekly, weekly, and daily rates. Enter your hourly wage, hours per week, and weeks per year.

Calculate total return percentage and compound annual growth rate (CAGR) from an initial investment value, final value, and holding period.

Calculate real estate agent commission, VAT on that commission, and net seller proceeds from a property sale.

Calculate the total real estate agent commission, each agent's share, and the seller's net proceeds from a property sale.

Convert nominal GDP to real GDP using the GDP deflator and calculate the real economic growth rate between two years.

Calculate the real interest rate from a nominal rate and inflation using the exact Fisher equation and the simpler approximation.

Calculate the inflation-adjusted, after-tax real rate of return on an investment and see the true growth in purchasing power over time.

Calculate the accounts receivable turnover ratio and Days Sales Outstanding (DSO) to measure how efficiently a business collects credit sales.

Calculate monthly payment savings, break-even months and net lifetime interest savings when refinancing any loan — auto, personal, student or home equity.

Compare the true annual cost of a remote workforce versus on-site employees — salary, office space, equipment, stipends and overhead.

Calculate your new monthly rent after a percentage or flat-amount increase, plus the annual impact.

Compare the total net cost of renting vs buying a home over your chosen time horizon, accounting for mortgage, equity, and investment returns.

Calculate the real estate agent commission on a rental property — as a percentage of annual, total, or monthly rent.

Analyse a rental property investment: monthly cash flow, cap rate, cash-on-cash return, NOI and gross rent multiplier.

Calculate required reserves, loanable funds and the money multiplier from bank deposits and the reserve requirement ratio.

Calculate residual income (RI) — the profit left after subtracting the equity charge — to assess whether a business creates or destroys economic value.

Calculate ending retained earnings using the formula: Beginning RE + Net Income − Dividends Paid, with the retention ratio.

Calculate the retention (plowback) ratio — the share of net income reinvested rather than paid as dividends.

Calculate sustainable retirement withdrawals, portfolio longevity, and the year-by-year balance using real returns and inflation-adjusted withdrawals.

Calculate ROCE — EBIT divided by capital employed — to measure how efficiently a company uses its long-term capital to generate profit.

Calculate total revenue, gross profit, operating profit and margins from unit price, units sold, COGS and operating expenses.

Calculate revenue growth rate between two periods and CAGR across multiple years from previous and current revenue figures.

Calculate revenue per employee — divide annual revenue by headcount to measure workforce productivity and benchmark against industry peers.

Project your Roth IRA balance at retirement. Enter annual contribution, current balance, expected return and years to see tax-free growth.

Estimate how many years it takes to double money at a fixed rate using the Rule of 72 — plus the exact doubling time.

Calculate your monthly RV loan payment, total interest and full cost of ownership from the price, down payment, APR and loan term.

Calculate the gross-margin-adjusted customer lifetime value (LTV) of a SaaS product from ARPU, monthly churn, and gross margin.

Calculate core SaaS metrics: MRR, ARR, customer LTV, LTV:CAC ratio and CAC payback period from your subscription data.

Calculate how much money you need to take a sabbatical: living costs, emergency buffer, savings shortfall and months until you can go.

Find out if your salary has kept pace with inflation. Enter your base pay, years elapsed, and inflation rate to see your required salary and lost purchasing power.

Convert an annual, monthly, or weekly salary to an hourly rate. Enter your pay and working hours to see hourly, daily, weekly and monthly breakdowns.

Calculate weekly and annual pay including overtime — enter hourly rate, regular hours, overtime hours and the overtime multiplier.

Calculate total revenue, gross profit, profit margin and markup from selling price, cost price and units sold.

Calculate commission earned on any sales amount and total pay including base salary — supports any flat commission rate.

Find the periodic contribution needed to hit a savings goal by a target date, factoring in compound interest.

Calculate the annual interest rate required to grow savings to a target balance with regular monthly contributions.

Calculate the future value of a savings plan: an initial deposit plus regular contributions growing with compound interest.

Find how much you can withdraw per period from savings, or how long savings will last at a given withdrawal rate with compound interest.

Calculate the melt value and scrap payout of gold jewellery or coins by weight, karat, and the current spot price per troy ounce.

Calculate the melt value and dealer scrap payout of silver jewellery, cutlery or coins by weight, hallmark purity, and the current spot price per troy ounce.

Estimate the second federal stimulus check (EIP-2, $600 per adult) based on your 2019 AGI, filing status and qualifying children.

Calculate sell-through rate: what percentage of received inventory was sold, plus optional revenue and gross profit.

Convert annual salary to semi-monthly (twice-a-month) gross and net pay, with tax and deduction breakdown.

Calculate the Sharpe ratio: excess portfolio return above the risk-free rate divided by portfolio volatility (σ).

Calculate the intrinsic melt value of silver coins, bars or jewellery from weight, purity and the spot price.

Calculate your monthly mortgage payment, total interest paid and remaining balance using the standard amortisation formula.

Calculate how much your savings will grow with regular monthly contributions and compound interest over any period.

Calculate the equal periodic deposit needed to accumulate a target lump sum by a set date, accounting for compound interest earned.

Calculate the maturity corpus of a monthly SIP in Indian mutual funds, with invested vs gains breakdown and month-by-month growth.

Estimate the total additional annual cost (CTC) a smoking employee imposes on an employer: smoke-break productivity loss, healthcare premium surcharge, and extra sick days.

Calculate TCV, ACV, ARR, MRR and LTV for a SaaS or software contract from seats, price per seat, term, and discount.

Calculate the Sortino ratio — a risk-adjusted return metric that penalises only downside volatility, unlike the Sharpe ratio.

Calculate the Keynesian spending multiplier and total GDP impact of an initial government or investment injection from MPC.

Estimate your US state income tax for 2024 across all 50 states and D.C. — effective rate, marginal rate, and after-tax income.

Estimate stimulus check size under a hypothetical $40,000 AGI phase-out scenario — editable payment amounts and phase-out rate.

Estimate your US stimulus check for any of the three COVID-19 rounds (CARES, Dec 2020, ARP) based on filing status, AGI and dependents.

Calculate the weighted average cost per share across multiple purchase lots — ideal for dollar-cost averaging and averaging-down strategies.

Calculate a stock's CAPM required return: E(r) = Rf + β × (Rm − Rf). Plot the Security Market Line.

Calculate profit or loss on a stock trade — enter shares, buy and sell price and commissions to get net gain, return, and annualized return.

Calculate your new share count and adjusted price after a stock split or reverse split — total portfolio value is always preserved.

Calculate monthly student loan payments, total interest, and overall cost from your balance, annual rate, and repayment term.

Estimate how much of your federal student loan will be forgiven under PSLF (10 years) or income-driven repayment (20–25 years) based on your income and family size.

Calculate monthly student loan payments accounting for the grace period — see how unpaid grace-period interest capitalizes into principal and raises the total cost.

Compare US federal student loan repayment plans side by side: Standard 10-year, Extended 25-year, and Income-Driven Repayment — monthly payments and total cost.

Find how much money you waste each year on unused subscriptions — enter your total spend and how many services you actually use.

Calculate the maximum sustainable growth rate a company can achieve without changing its financial structure or issuing new equity.

Calculate your 2024 US federal income tax, effective tax rate, and per-bracket breakdown from gross income, filing status, and deduction.

Calculate the taxable equivalent yield of a tax-exempt bond (municipal bond) to compare it fairly with taxable bonds at your marginal tax rate.

Calculate the Taylor Rule benchmark policy interest rate from current inflation, output gap, neutral rate and coefficients.

Calculate TDS deducted on bank FD / savings interest under Section 194A for FY 2024-25 — with senior-citizen threshold and PAN/non-PAN rates.

Calculate Texas overtime pay: federal FLSA rules apply — time and a half (1.5×) for hours over 40 per workweek, with no Texas state income tax.

Calculate Texas sales tax — 6.25% state rate plus up to 2% local, combined maximum 8.25%. Enter price and local rate for the total cost.

Calculate time-and-a-half overtime pay: enter your hourly rate, regular hours and overtime hours to get total earnings.

Calculate the future value of a lump sum and regular payments at any annual interest rate using the standard TVM formula.

Calculate the Times Interest Earned ratio (EBIT ÷ Interest Expense) to assess a company's ability to service its debt from operating profit.

Calculate total asset turnover ratio — how efficiently a company uses its assets to generate revenue. Formula: Revenue ÷ Average Assets.

Calculate the Treynor ratio — a portfolio's excess return per unit of systematic (market) risk (beta). Compare risk-adjusted performance across portfolios.

Apply three successive percentage discounts to a price and find the final amount, total savings, and the equivalent single discount rate.

See what a real estate commission truly costs — as a share of your equity, per year held, and the home appreciation needed just to break even.

Estimate the cost of 2025 Trump tariffs on imported goods. Select a tariff category (10% baseline, 25% Canada/Mexico, 145% China) or enter a custom rate.

Estimate 2025 US federal income tax using TCJA brackets (10%–37%). Enter income and filing status to see tax owed, effective rate and bracket breakdown.

Calculate the trailing twelve months (TTM) total for revenue, earnings, EBITDA or any financial metric from the four most recent quarters.

Estimate UK Capital Gains Tax on shares, property or business assets using 2025/26 rates (18%/24%), with annual exempt amount and BADR.

Calculate the total weight and monetary value of any mix of UK coins (1p–£2) using Royal Mint 2024 specifications.

Calculate UK National Insurance contributions for employees (Class 1) and self-employed (Class 4) using 2024–25 thresholds and rates.

Calculate Stamp Duty Land Tax (SDLT) for residential property purchases in England and Northern Ireland — standard, first-time buyer and additional-property rates.

Estimate weekly and total unemployment benefits from your wages using a replacement rate — with presets for US, UK, Germany, France, Canada and more.

Calculate the unemployment rate from the number of unemployed and employed people using the official ILO formula.

Strip out financial leverage to find a company's unlevered (asset) beta using the Hamada equation: βU = βL ÷ (1 + (1−t) × D/E).

Calculate unlevered free cash flow (FCFF) from EBIT, tax rate, D&A, working capital changes and CapEx — the key input for DCF valuation.

Calculate the monetary value of unpaid household work, childcare and caregiving using a market replacement-cost approach.

Find your US income percentile for individual or household income using 2022 IRS and Census data — see how your earnings compare to all Americans.

Calculate your VA combined disability rating using the VA whole-person method — not a simple sum. Enter up to 5 service-connected ratings and see each step.

Calculate your VA home loan monthly payment including the VA funding fee. Supports first/subsequent use, regular and Reserve/Guard service types, and disability exemptions.

Project the future value of a variable annuity and estimate monthly retirement income from contributions and an assumed market return.

Calculate the velocity of money (V = GDP ÷ M2) and explore the Fisher equation linking money supply, velocity, prices and output.

Calculate WACC (Weighted Average Cost of Capital) from equity and debt values, cost of equity, pre-tax cost of debt and the corporate tax rate.

Convert any wage or salary between hourly, daily, weekly, bi-weekly, monthly and annual figures, with estimated net take-home after tax.

Convert an hourly wage to an annual salary — accounting for overtime, paid leave, employer benefits and an estimated income-tax rate.

Estimate website advertising revenue from CPM display ads and CPC click earnings based on pageviews, CPM rate, CTR and cost per click.

Allocate your wedding budget across venue, catering, photography, decor, music and attire — see each category amount and a visual breakdown.

Calculate the week-over-week percentage change between two values — shows absolute change and WoW % for any metric or KPI.

Calculate gross weekly pay from an hourly rate, regular hours and overtime hours — supports any overtime multiplier including time-and-a-half.

Estimate a smart offer price on a home based on market conditions, property condition, days on market, and comparable sales.

Calculate working capital (current assets minus current liabilities) and the current ratio to assess short-term financial health.

Calculate the working capital turnover ratio from net revenue and opening/closing current assets and liabilities to measure operational efficiency.

Calculate year-over-year (YoY) growth rate as a percentage. Enter this year's and last year's value for any metric — revenue, users, sales or KPIs.

Calculate your annual (yearly) gross wage from an hourly, daily, weekly or monthly rate. Adjust hours, days and weeks for your actual schedule.

Calculate the yield to call of a callable bond from its price, coupon rate, call price and years to the call date.

Calculate the yield to maturity of a bond from its price, coupon rate, face value and years to maturity — annual, semiannual or quarterly coupons.

Estimate monthly and annual YouTube earnings from RPM, channel views, sponsorships and memberships. Based on your YouTube Studio RPM.

Calculate your annual Zakat obligation: 2.5% of net zakatable wealth above the gold or silver nisab threshold.