Finance Calculators

Financial calculators for loans, investments, and monetary calculations

Bonds

BondsYield to Maturity CalculatorCalculate a bond's yield to maturity from its price, coupon, and years to maturity, or price a bond from a required yield. Includes current yield, effective yield, net present value, yield to call, and yield to worst.

BondsForward Rate CalculatorCompute the implied forward interest rate from two spot rates, or solve for either spot rate or either maturity, under annual or continuous compounding.

BondsBond Yield CalculatorFind a bond's yield to maturity, current yield, and effective annual yield from its price, coupon, and maturity, or solve for the price at a target yield. Includes yield to call, a tax-equivalent yield, and interest-rate risk.

BondsBond Price CalculatorPrice a bond from its face value, coupon, maturity, and yield, or solve for the yield to maturity. See accrued interest, the dirty price, duration, interest-rate risk, and a price-yield curve.

BondsAccrued Interest CalculatorCalculate the accrued interest on a bond between coupon dates, with full day-count conventions, clean-to-dirty price conversion, and a coupon schedule.

Corporate Finance

Corporate FinanceWin Rate CalculatorCalculate your sales win rate from won and lost deals, with loss rate, win/loss ratio, benchmark guidance, and a target-win-rate planner.

Corporate FinanceWACC CalculatorCalculate weighted average cost of capital (WACC) from equity, debt, their costs, and the tax rate. Includes a CAPM cost-of-equity helper, an ROIC value-creation check, and reverse solving.

Corporate FinanceTime Value of Money CalculatorSolve any time-value-of-money problem: enter four of present value, interest rate, years, payment, and future value, and the calculator finds the fifth, with compounding, payment timing, and inflation adjustment.

Corporate FinanceStock Average CalculatorWork out your average cost per share across several stock purchases, with brokerage, profit and loss against a current price, and an average-down target planner.

Corporate FinanceStock Price CalculatorCalculate your profit or loss and return on a stock trade, with commissions, dividends, capital gains tax, break-even price, and annualized return.

Corporate FinanceStamp Duty Land Tax CalculatorWork out the Stamp Duty Land Tax on a property purchase in England and Northern Ireland, including first-time buyer relief, the additional-property surcharge, and the non-UK resident rate.

Corporate FinanceSavings CalculatorProject how a savings account grows with an initial deposit, regular contributions, and compound interest. Adjust for tax and inflation, and solve for the deposit, rate, time, or savings goal.

Corporate FinanceSales Tax CalculatorCalculate sales tax, the pre-tax price, the total price, or the tax amount. Enter any two of the four values and the rest fills in, with reverse de-tax and a combined state and local rate builder.

Corporate FinanceRule of 72 CalculatorEstimate how long an investment takes to double at any annual rate with the Rule of 72, and compare the shortcut against the exact compound formula. Solve for the rate or the years, switch the rule number, and project growth on an amount.

Corporate FinanceReturn on Sales (ROS) CalculatorCalculate return on sales, operating profit, or net sales from any two values, with a sales breakdown, gross-margin buildup, net-profit-margin comparison, and industry benchmarking.

Corporate FinanceROI CalculatorCalculate return on investment (ROI), net profit, and the return multiple. Solve for any value, annualize over a holding period, and compare two investments.

Corporate FinanceROE CalculatorCalculate return on equity, net income, or shareholders' equity from any two values, with a 3-step DuPont breakdown, a ROA and leverage comparison, the sustainable growth rate, average equity, and an industry benchmark.

Corporate FinanceROA CalculatorCalculate return on assets, net income, or total assets from any two values, with a DuPont margin-and-turnover breakdown, return on equity and leverage, average total assets, and an industry benchmark.

Corporate FinanceRevenue Per Employee CalculatorCalculate revenue per employee from revenue and headcount, or solve for either input. Benchmark against your industry, track growth and CAGR, and add profit per employee.

Corporate FinanceRevenue CalculatorCalculate total revenue, price, or quantity from the price-times-quantity formula, with net revenue after returns and discounts, a total-revenue-test price scenario, and an annual run-rate.

Corporate FinanceRetirement CalculatorProject your retirement savings, see what you'll have versus what you'll need, and find the monthly saving to reach your goal, with Social Security, inflation, and returns.

Corporate FinanceReal Rate of Return CalculatorCalculate your real rate of return after inflation with the Fisher equation. Solve for the nominal rate, inflation, or real rate, with after-tax and investment-growth options.

Corporate FinanceReal GDP CalculatorConvert nominal GDP to real GDP using the GDP deflator, or solve for any of the three. Includes magnitude scales, a real-GDP growth rate, and a real-versus-inflation breakdown.

Corporate FinanceRate of Return CalculatorFind the annualized rate of return on an investment from its initial and final value, with compounding and optional regular deposits or withdrawals. Solve for the rate, the final value, or the starting amount.

Corporate FinanceQuick Ratio CalculatorCalculate the quick ratio (acid-test) from cash, marketable securities, receivables, and current liabilities, or solve for any figure. Adds quick assets, a composition pie, the current and cash ratios, a target planner, and a plain-English health read.

Corporate FinanceProperty Depreciation CalculatorCalculate property and asset depreciation with straight-line, declining balance, sum-of-years-digits, or units of production, plus a full schedule.

Corporate FinancePresent Value of Perpetuity CalculatorCalculate the present value of a perpetuity, including level perpetuities, perpetuities due, and growing perpetuities, and solve for the cash flow or discount rate.

Corporate FinancePresent Value of Annuity CalculatorCalculate the present value of an annuity, including ordinary annuities, annuities due, growing annuities, and perpetuities, and solve for the payment, rate, or term.

Corporate FinancePresent Value CalculatorFind the present value of a future sum or an annuity by discounting cash flows, with reverse solving for the rate or time, a sensitivity band, and a year-by-year discounting schedule.

Corporate FinancePPP Calculator (Purchasing Power Parity)Compare purchasing power across countries: convert a salary for equal cost of living, find the implied PPP exchange rate and currency valuation, and forecast a rate from inflation differences.

Corporate FinancePayback Period CalculatorCalculate the payback period and discounted payback period of an investment from even or irregular cash flows, with the totals, ROI, schedule, and break-even chart.

Corporate FinanceNet Profit Margin CalculatorCalculate net profit margin, net profit, or revenue from any two values, with a revenue breakdown, gross and operating margins, markup, and industry benchmarking.

Corporate FinanceMilitary Retirement CalculatorEstimate military retired pay under Final Pay, High-3, REDUX, and BRS, with COLA projection, Survivor Benefit Plan, and a side-by-side system comparison.

Corporate FinanceMarkup CalculatorCalculate markup, margin, selling price, cost, and profit. Enter any two values and solve for the rest, price a batch of units, and see the cost-vs-profit split.

Corporate FinanceMarket Value CalculatorCalculate the market value of equity (market capitalization) from share price and diluted shares, solve for any input, and compare it to intrinsic, book, and enterprise value.

Corporate FinanceMarginal Cost CalculatorFind marginal cost, the cost of making one more unit, from a cost change, two production levels, or a cost function. Also shows average cost, marginal profit, and more.

Corporate FinanceLevered Free Cash Flow CalculatorCalculate levered free cash flow (free cash flow to equity) from net income, D&A, the change in working capital, CapEx, and net borrowing. Solve for any component, build net income from EBIT or EBITDA, and compare against unlevered free cash flow.

Corporate FinanceLand Transaction Tax CalculatorWork out the Welsh Land Transaction Tax (LTT) on a property or land purchase, with a band-by-band breakdown, effective rate, and higher rates for additional properties.

Corporate FinanceIRR CalculatorCalculate the internal rate of return (IRR) for a series of cash flows, with net present value, payback, profitability index, and modified IRR.

Corporate FinanceInvestment CalculatorProject how an investment grows with compound returns, regular contributions, inflation, and capital-gains tax — and solve for the amount, rate, or years you need.

Corporate FinanceIRA CalculatorProject the after-tax value of a Traditional, Roth, SEP, SIMPLE, or taxable retirement account and compare which IRA leaves you with more at retirement.

Corporate FinanceInterest Coverage Ratio CalculatorCalculate the interest coverage ratio from EBIT and interest expense, or solve for either figure. Adds the interest and cushion share of EBIT, EBITDA and EBITDA-less-Capex coverage, a target planner, and industry benchmarks.

Corporate FinanceInflation CalculatorSee how inflation changes the value of money. Convert an amount between two years with real U.S. CPI data, or project it forward and back at a rate you choose.

Corporate FinanceGDP Per Capita CalculatorCalculate GDP per capita from GDP and population, or solve for either input. Convert nominal GDP to real, track growth and CAGR, and compare against world benchmarks.

Corporate FinanceGDP Deflator CalculatorCalculate the GDP deflator, nominal GDP, or real GDP from the price-index formula, with magnitude scales, a two-period inflation rate, and a real-versus-inflation breakdown.

Corporate FinanceFuture Value CalculatorProject the future value of an investment with compound interest, regular deposits or withdrawals, inflation adjustment, tax on gains, and reverse solving.

Corporate FinanceFIRE CalculatorFind your FIRE number and the age you can retire early. See how your savings rate sets the timeline, with Coast, Barista, Lean, and Fat FIRE targets.

Corporate FinanceEnterprise Value CalculatorCalculate enterprise value from market cap, debt, preferred equity, minority interest, and cash. Solve for any component, see net debt, and compare EV against EBITDA, EBIT, and revenue.

Corporate FinanceEffective Annual Interest Rate CalculatorConvert a nominal interest rate into the effective annual rate (EAR / APY) for any compounding frequency, including continuous compounding, and solve the nominal rate in reverse.

Corporate FinanceEBITDA CalculatorCalculate EBITDA from operating profit and D&A, or back-solve any input, with a net-income bridge, EBITDA margin, EV/EBITDA multiple, and composition breakdown.

Corporate Finance401(k) Early Withdrawal CalculatorEstimate the taxes, 10% penalty, and net cash from an early 401(k) withdrawal, and the future growth you give up by cashing out early.

Corporate FinanceDiscount Factor CalculatorFind the discount factor from a rate and a number of periods, discount a future cash flow to present value, solve for the rate or periods, and switch to continuous compounding or a cumulative annuity factor.

Corporate FinanceDiscount Rate CalculatorCalculate the discount rate that links a present and future value, or solve for the present value, future value, or number of periods. Includes WACC and CAPM estimators, a discount factor, a present-value chart, and a discounting schedule.

Corporate FinanceDepreciation CalculatorCalculate depreciation by the straight-line, declining-balance, or sum-of-the-years'-digits method, with a full year-by-year schedule, book value over time, partial-year proration, and a value-at-a-year lookup.

Corporate FinanceDeposit Interest CalculatorWork out the interest your deposit earns with compound interest, regular top-ups, inflation, and tax. Compare simple and compound interest and solve for the deposit, rate, or term.

Corporate FinanceDebt-to-Equity Ratio CalculatorCalculate the debt-to-equity ratio from total liabilities and stockholders' equity, or solve for either figure. Adds the debt and equity share of capital, a long-term D/E option, a target planner, and an industry benchmark.

Corporate FinanceCurrent Ratio CalculatorCalculate the current ratio from current assets and current liabilities, or solve for either figure. Adds working capital, quick and cash ratios, a target planner, and a plain-English health read.

Corporate FinanceCTR Calculator (Click-Through Rate)Work out your click-through rate from clicks and impressions, solve for any value, and compare it to channel benchmarks for search, email, social, and display.

Corporate FinanceCAGR CalculatorCalculate the compound annual growth rate (CAGR) of an investment, or solve for the starting value, ending value, or number of years. Includes total return, doubling time, a benchmark comparison, a growth chart, and a year-by-year table.

Corporate FinanceCommission CalculatorWork out sales commission from the sale and rate, or solve for either. Add a base salary, gross-profit basis, tiered rates, an agent/brokerage split, or a draw.

Corporate FinanceCD Rate CalculatorWork out what a certificate of deposit pays at maturity, then check the tax, the early withdrawal penalty, a rival bank's APY, and whether the yield beats inflation.

Corporate FinanceCD CalculatorWork out what a certificate of deposit is worth at maturity from either an APY or an interest rate plus compounding. Price the early-withdrawal penalty, compare against another bank's rate, and see the balance after tax and inflation.

Corporate FinanceCAPM CalculatorCalculate expected return and cost of equity with the Capital Asset Pricing Model (CAPM). Solve for any of the risk-free rate, beta, market return, or expected return, with a Security Market Line chart.

Corporate FinanceCapital Gains Tax CalculatorEstimate capital gains tax on a sale in any country: an automatic US federal bracket engine (0/15/20% long-term, NIIT) or a flat-rate mode with optional exclusion, inclusion-rate, long-term-discount, and surcharge levers.

Corporate FinanceCall & Put Option CalculatorWork out the profit, loss, break-even price and return on an option position at expiration. Covers all four positions - buying and selling calls and puts - with the maximum profit and loss, the intrinsic and time value split, a payoff diagram and a price ladder.

Corporate FinanceCAGR CalculatorWork out a compound annual growth rate over a period entered as years, months and days or as two exact dates. Solves for the rate, the ending value, the starting value or the time required, and shows compounding against a simple average.

Corporate FinanceCustomer Acquisition Cost (CAC) CalculatorCalculate customer acquisition cost from your marketing and sales spend, then check it against lifetime value and payback period.

Corporate FinanceBurndown Chart CalculatorWork out your sprint burndown: current and required burn rate, the ideal line, the variance against it, a projected finish day, scope changes and team capacity, from totals or a day-by-day log.

Corporate FinanceBreak-Even CalculatorWork out the break-even point in units and revenue from fixed costs, price, and variable cost per unit, with contribution margin, margin of safety, a profit target, and a cost-volume-profit chart.

Corporate FinanceBounce Rate CalculatorFind your bounce rate from total and one-page visits, see the engagement rate and engaged-visit split, and compare against an industry benchmark.

Corporate FinanceBlack-Scholes CalculatorPrice European call and put options with the Black-Scholes-Merton model. Get the call price, put price, the Greeks, and the volatility implied by a market price.

Corporate FinanceBill Rate CalculatorTurn a worker's pay rate into a client bill rate using markup, labor burden, and gross margin; price to a target margin; or set a freelance rate from your target income.

Corporate FinanceBeta Stock CalculatorCalculate a stock's beta from covariance and variance or from correlation and volatility, unlever and relever beta with the Hamada equation, and turn beta into an expected return with CAPM. Solve for any input.

Corporate FinanceBasis Point CalculatorConvert basis points to percent, permille and decimal, find the money value of a number of basis points, and turn a rate change into basis points or back.

Corporate FinanceAverage Variable Cost CalculatorFind average variable cost per unit (AVC = total variable cost divided by output) and solve for any value. Add fixed costs for average total cost and break-even, and see the cost-structure and cost-curve breakdowns.

Corporate FinanceAverage Collection Period CalculatorWork out the average number of days your business takes to collect payment on credit sales, from receivables and credit sales or from your receivables turnover ratio.

Corporate FinanceARV Calculator (After Repair Value)Estimate a property's after repair value from comparable sales, then run the 70% rule for a maximum offer and project profit, ROI, equity, and BRRRR refinance.

Corporate FinanceAPY CalculatorCalculate annual percentage yield from a nominal rate and compounding frequency, solve backward for the stated rate, and project savings growth with optional monthly deposits.

Corporate FinanceAppreciation CalculatorProject the future value of an appreciating asset with compound growth, then solve for the starting value, rate, or years. Includes inflation adjustment, tax on the gain, a sensitivity band, and profit and return metrics.

Corporate FinanceAppliance Depreciation CalculatorEstimate an appliance's current value and depreciation using actual cash value, straight-line, declining balance, or the IRS MACRS 5-year schedule.

Corporate FinanceAPC CalculatorFind the average propensity to consume (APC) from consumption and disposable income, with the saving rate, marginal propensity to consume, and the consumption function.

Corporate FinanceFuture Value of Annuity CalculatorCalculate the future value of an annuity — ordinary or due — with a separate payment and compounding frequency, continuous compounding, growing payments, and reverse solving for the payment, rate, or term.

Corporate FinanceAnnuity Payout CalculatorFind the payout a lump sum can fund over a fixed length, or how long a fixed payout lasts, with the total paid out, interest earned, and a drawdown schedule.

Corporate FinanceAnnuity CalculatorCalculate the present value and future value of an annuity, with ordinary annuities, annuities due, growing annuities, and perpetuities, and solve for the payment, rate, or term.

Corporate FinanceAnnual Interest Rate CalculatorFind the annual interest rate on a loan or investment from the principal, final amount, and time. Solve for any variable under simple, compound, or continuous interest, and see the effective rate (APY).

Corporate FinanceADR Calculator (Average Daily Rate)Calculate a hotel's average daily rate from room revenue and rooms sold, or solve backward. Add occupancy, RevPAR, and an ADR index against your comp set.

Corporate FinanceActual Cash Value CalculatorWork out the actual cash value of a car, home, or asset from its replacement cost, useful life, and age. Solve for any input and add salvage, condition, deductible, and total-loss layers.

Corporate FinanceAccounting Profit CalculatorCalculate accounting profit (net income) from revenue and explicit costs, with the full profit ladder, net and gross margins, and an optional economic-profit view.

Corporate Finance50/30/20 Rule CalculatorApply the 50/30/20 budgeting rule: split your take-home pay into 50% needs, 30% wants, and 20% savings, customize the split, and compare it to what you actually spend.

Corporate Finance403(b) CalculatorProject your 403(b) retirement balance from your salary, contribution percent, employer match, expected return, and years to retirement, with inflation and the annual IRS limit.

Corporate Finance401(k) Early Withdrawal Penalty CalculatorSee what an early 401(k) withdrawal really costs: the 10% penalty, federal and state income tax, the cash you keep, and the future growth you give up.

Corporate Finance401(k) CalculatorProject your 401(k) balance at retirement, find the contribution that earns the full employer match, and estimate the tax and penalty on an early withdrawal.

Loans

LoansSimple Interest CalculatorCalculate simple interest and the total repayment from a principal, rate, and term, solve for any missing value, and compare it against compound interest.

LoansReal Interest Rate CalculatorFind the real interest rate from the nominal rate and inflation with the Fisher equation. Solve for any of the three rates, compare the exact and approximate formulas, and add purchasing-power and after-tax layers.

LoansMortgage Affordability CalculatorEstimate how much you can borrow for a mortgage from your income, deposit, and outgoings. See the property price it supports, the monthly payment, and whether the income multiple or affordability is your limit.

LoansMortgage CalculatorEstimate your monthly mortgage payment with principal, interest, taxes, insurance, PMI, and HOA. See the amortization schedule, adjust for extra payments, and solve for price, rate, or term.

LoansLoan Payment CalculatorCalculate a fixed loan payment from the amount, rate, and term, or solve for the term, loan amount, or rate. See total interest, an amortization schedule, and a balance chart.

LoansLoan Comparison CalculatorCompare two or three loans side by side. See each loan's monthly payment, total interest, and total cost, and find the cheapest option by cost and by payment.

LoansLoan CalculatorWork out a loan payment, the amount you can borrow, the term, or the interest rate. Leave any one field blank and the calculator solves for it.

LoansLease Buyout CalculatorEstimate the cost to buy out your car lease from the residual value, sales tax, fees, and any remaining payments, then compare it to the car's market value and finance the buyout.

LoansHome Affordability CalculatorFind out how much house you can afford from your income, debts, and down payment using the 28/36 debt-to-income rule. Solve for a target price or the income it needs, and fold in taxes, insurance, PMI, and closing costs.

LoansEquity Release CalculatorEstimate the tax-free cash you could release from your home with a lifetime mortgage or home reversion, and project the rolled-up interest and equity left over time.

LoansCompound Interest CalculatorCalculate compound interest and the future value of a deposit, with optional regular contributions, any compounding frequency, the effective annual rate (APY), a simple-versus-compound comparison, a growth chart, and a year-by-year table. Works in reverse to solve for the rate, time, or starting amount.

LoansCell Phone Plan CalculatorCompare buying a phone outright against taking a carrier's deal over the whole time you keep the handset. See both monthly bills, the break-even month, the APR hiding inside a bundled phone, and what your bill really costs once lines, taxes, add-ons and credits are counted.

LoansBusiness Loan CalculatorWork out the payment, the total cost and the real APR of a business loan, whether it is quoted as an interest rate, as add-on interest or as a factor rate. Includes origination and closing fees, daily and weekly repayment, interest-only and balloon structures, and a DSCR cash-flow check.

LoansBoat Loan CalculatorEstimate your monthly boat payment, the loan amount, sales tax, and total cost, or work backward from a budget to the boat you can afford.

LoansBlended Rate CalculatorFind the weighted average (blended) interest rate across up to five loans or balances, see what your debt costs each month and year, and check whether a single consolidation loan would cost less.

LoansBiweekly Mortgage CalculatorCompare biweekly and monthly mortgage payments: see the biweekly payment, the interest you save, and the years you cut off your loan by paying half your monthly amount every two weeks. Add extra principal, and solve for amount, rate, or term.

LoansBalloon Payment CalculatorCalculate the regular payment and the balloon due at the end of a balloon loan. Handles amortized, interest-only, and target-balloon structures, with total interest, an amortization schedule, and a balance chart.

LoansBalance Transfer CalculatorSee how much a balance transfer saves you: compare interest and fees on your current card against a low or 0% intro APR card, and find the payment to clear it in time.

LoansAuto Loan CalculatorEstimate your monthly car payment, the loan amount, sales tax, and total cost, or work backward from a budget to the car you can afford.

LoansARM Mortgage CalculatorProject payments on any adjustable-rate mortgage. Choose the fixed period and how often the rate adjusts, and see the initial payment, the payment after the rate resets to the fully-indexed rate, and the worst-case payment at the lifetime cap, with a year-by-year schedule and a fixed-rate comparison.

LoansAPR CalculatorCalculate the real APR of a loan or mortgage, including fees and points, with the monthly payment, total interest, and total cost of borrowing.

LoansAmortization CalculatorSee how a loan is paid down: the monthly payment, the total interest, and a full amortization schedule splitting each payment into principal and interest. Add extra or biweekly payments, and solve for the amount, rate, or term.

LoansAfter-Tax Cost of Debt CalculatorWork out the after-tax cost of debt from a pre-tax rate and tax rate. Solve for any input, find the pre-tax rate from interest expense or a bond's yield, and see the tax shield in dollars.

Loans28/36 Rule CalculatorApply the 28/36 rule: find your maximum housing payment and total-debt budget from your income, check a payment's DTI, and estimate the home price you can afford.

Loans10/1 ARM CalculatorProject payments on a 10/1 adjustable-rate mortgage: the fixed ten-year payment, the payment after the rate resets to the fully-indexed rate, and the worst-case payment at the lifetime cap, with a year-by-year schedule and a fixed-rate comparison.