All Calculators

Investment Calculators 26

• Compound Interest Calculator See how a deposit grows when interest is reinvested year after year — and what contributions, inflation and tax change.
• Annualized Return Calculator Turn a total gain over months or years into a comparable per-year return — by duration or exact dates, including any income.
• CAGR Calculator Work out the steady annual rate behind a change in value — the single number that turns a start, an end and a time span into an annualized growth rate.
• Crypto Profit Calculator Calculate the real profit or loss on a crypto trade after exchange fees, gas, staking rewards, and tax. Enter buy and sell details by quantity or amount invested, then see take-home profit, breakeven price, return, and annualized return.
• Dollar-Cost Averaging Calculator Invest a fixed amount on a schedule and project where it lands — your contributions plus growth at an expected return, year by year.
• Future Value Calculator Find what a sum today plus a stream of regular payments is worth at a future date — the present value and the payments grown forward at your rate.
• Inflation Calculator See what inflation does to money over time — how much a sum will still buy in the future, and how much more the same things will cost.
• Inflation-Adjusted Return Calculator Turn a headline return into a real one — what is left after inflation — and see what an investment is really worth in today’s money.
• Investment Calculator Start from the figure you want to reach and solve for what gets you there — the monthly contribution, the starting amount, the return, or the time.
• Investment Goal Calculator Check whether your plan reaches your target — project a starting amount plus regular contributions forward and see it against your goal.
• Lump Sum vs Monthly Investment Calculator Compare putting a lump sum in all at once against spreading the same money in monthly — and see when an early dip lets monthly win.
• Lumpsum Investment Calculator Invest a single amount once and let it compound — see what it grows to, and how much of the result is gains.
• Monthly Contribution Calculator See how a regular monthly contribution — on top of anything you have already saved — grows over time.
• Monthly Investment Required Calculator Set a target and find the monthly investment that gets you there — the reverse of projecting a fixed contribution forward.
• Mutual Fund Expense Ratio Impact Calculator See what a fund’s expense ratio really costs — a “small” 1% fee can quietly swallow a large share of your gains over the years.
• Mutual Fund Return Calculator Estimate what a mutual fund investment grows to — a one-time amount, a recurring monthly investment (SIP), or both together — after fund costs and tax.
• Present Value Calculator Find what money you will receive in the future is worth today — a future amount discounted back at your chosen rate.
• RD Calculator (Recurring Deposit) Work out what a recurring deposit grows to — a fixed amount paid in every month, compounded quarterly the way banks do it.
• ROI Calculator Work out the return on an investment — the percentage gain or loss on what you put in.
• Reinvestment Calculator See what reinvesting your income — dividends, interest, payouts — is worth over time, compared with taking it as cash.
• Required Rate of Return Calculator Find the annual return you would need to turn what you have today into your goal — with or without ongoing contributions.
• Rule of 72 Calculator A fast way to estimate how long money takes to double — divide 72 by the return — or the return you’d need to double in a set time.
• SIP / Recurring Investment Calculator Invest a fixed amount on a regular schedule and let it compound — see what your recurring investment (SIP) grows to, and how much of it is returns.
• Simple Interest Calculator Work out simple interest — interest paid only on the original principal — and see at a glance how far it falls behind compound interest over time.
• Time Value of Money Calculator The classic five-variable solver — number of periods, interest rate, present value, payment and future value. Enter any four and it works out the fifth.
• XIRR Calculator Find the true annualized return on a portfolio with messy, real-world dates — uneven investments, top-ups and withdrawals.

Loan & Debt Calculators 23

• EMI Calculator Find your equated monthly instalment and see, at a glance, how much of it goes to interest versus paying down the loan.
• Loan Calculator Work out any part of a loan — the EMI, how much you can borrow, the tenure, or the rate — with the full repayment picture.
• APR Calculator The interest rate is not the whole cost. See the real APR once fees are included, and how far it sits above the rate you were quoted.
• Auto Loan Calculator Work out your car payment on the amount you actually finance — after down payment, trade-in, tax and fees — and see how long you stay underwater.
• Balance Transfer Calculator Thinking of moving a balance to a 0% card? See whether the interest you save beats the transfer fee — and whether you can clear it before the promo rate ends.
• Balloon Payment Calculator A balloon loan keeps the monthly payment low, then asks for a large lump at the end. See the periodic payment, the balloon due at maturity, and what it really costs.
• Credit Card Interest Calculator Credit-card interest is not balance × rate. See how it really works — charged daily on your average balance, free only if you pay in full, and with no grace at all on cash advances.
• Credit Card Payoff Calculator Find out how long your card will take to clear and what the interest really costs — and see why paying only the minimum can trap you for years.
• Debt Avalanche Calculator Pay the minimums on every debt and pour everything extra into the highest interest rate first. It is the mathematically optimal route — the least interest, usually the soonest.
• Debt Payoff Calculator List your debts and what you can pay each month. See your debt-free date, the interest it costs, and which payoff strategy wins.
• Debt Snowball Calculator Pay the minimums on every debt and pour everything extra into the smallest balance. Clear it, roll its payment to the next, and build unstoppable momentum.
• Debt-to-Income Ratio Calculator Your debt-to-income ratio is the number lenders lean on most. See where you stand against the usual thresholds — and whether a new loan would still qualify.
• Early Loan Payoff Calculator Want to be debt-free sooner? Set your goal — finish a few years early — and see exactly what payment it takes, and how much interest and time you save.
• Flat vs Reducing Interest Calculator A “flat” rate sounds cheaper than a reducing one with the same number — but it costs far more. See the real gap, and what a flat quote really is in reducing terms.
• Interest Rate Calculator (from your payment) Given a loan amount, a payment and a tenure, what rate are you really paying? Back it out, check it against the quote, and add fees for the true APR.
• Loan Amortization Calculator See every payment broken into principal and interest with the running balance — and the month your payment finally tips toward principal.
• Loan Comparison Calculator Two offers, three offers — different rates, tenures and fees. See which is genuinely cheaper once everything is counted, not just the lowest advertised rate.
• Loan Payment Calculator Find your loan payment — and see how paying biweekly or adding a little extra each time clears the loan years sooner.
• Loan Prepayment Calculator Putting extra money against your loan saves interest — often a lot. See exactly how much, and whether to shorten the loan or shrink the payment.
• Loan Tenure Calculator Know the payment you can afford? Find out how long the loan will take to clear — and how much sooner you would finish by paying just a little more.
• Minimum Payment Calculator Find your card’s minimum payment due — and see the trap it sets. Because the minimum shrinks as you pay, paying only it can take decades and cost several times what you owe.
• Personal Loan Calculator Personal loans hide their cost in the fees. See the real monthly payment, the effective APR after the processing fee, and whether prepaying actually pays.
• Student Loan Calculator See how interest builds while you study, how much capitalizes onto your balance at graduation, and what the loan really costs once repayment begins.

Mortgage & Property Calculators 22

• Biweekly Mortgage Calculator Pay half your mortgage every two weeks instead of once a month. Those 26 half-payments equal 13 monthly payments a year, so one extra payment hits principal. See how much time and interest biweekly payments save.
• Cap Rate Calculator Calculate a property’s cap rate: net operating income as a percentage of value. Enter NOI directly or build it from income and expenses, then invert the math to estimate property value at a target cap rate.
• Closing Cost Calculator Estimate the cash needed to close on a home beyond the down payment. Itemise lender fees, title charges, taxes, prepaids, and seller concessions, then total the one-time closing costs that usually run 2–5% of the purchase price.
• Down Payment Calculator Your down payment changes everything downstream — the loan, the monthly payment, whether you pay PMI, and the total interest over the life of the loan. See it all at once, with the all-important 20% threshold made plain, and compare the common down-payment levels side by side.
• Extra Mortgage Payment Calculator See how extra mortgage payments change the loan. Add a recurring extra amount, annual bonus, or one-time lump sum, then compare the new payoff date, years saved, and interest saved against the original schedule.
• Fixed vs Adjustable Rate Mortgage Calculator Compare a fixed mortgage with an adjustable-rate mortgage (ARM). See the lower intro payment, what happens after the rate adjusts, the worst case at the cap, and when the fixed loan overtakes the ARM over your expected stay.
• HELOC Calculator Model a HELOC from draw period to repayment. Enter home value, mortgage balance, rate, and amount drawn to see interest-only payments, the later payment jump, your combined loan-to-value limit, and the cost if rates rise.
• Home Affordability Calculator Not the most a bank will lend — the most you can comfortably spend. This factors in your down payment, closing costs, an emergency fund kept aside and a comfort budget, then shows a realistic price range and the cash you’ll need at closing.
• Home Equity Loan Calculator Borrow a lump sum against your home equity and repay it as a fixed second loan. See the monthly payment, total interest, and the maximum you can borrow under the combined loan-to-value cap, including loan-against-property cases.
• Home Loan EMI Calculator Plan the biggest loan you will ever take. See your EMI, how much interest 20–30 years really costs, your LTV, and the tax it can save.
• House Price Appreciation Calculator Project what a home may be worth in the future, or work backwards from purchase price and current value to find its annualized growth rate. Add inflation adjustment to see the real return, not just the headline appreciation.
• Lease vs Buy Calculator Compare leasing business premises with buying them. Enter purchase price, lease cost, mortgage terms, and your horizon to see the net-worth outcome, including equity built, capital tied up, opportunity cost, and the break-even year.
• Mortgage APR Calculator Compare mortgage offers using true APR, not just the quoted rate. Add points and lender fees to see the loan’s annual cost, how far fees push APR above the note rate, your holding-period APR, and when paying points breaks even.
• Mortgage Affordability Calculator How much house can you afford? This works the way a lender does — starting from your income, your existing debts and the standard DTI limits, then back-solving the largest loan and home price that fit.
• Mortgage Amortization Calculator The whole schedule, month by month: every payment split into principal and interest, the balance falling, and your equity building — plus the crossover month where your payment finally tips toward principal. Download the lot.
• Mortgage Calculator Your real monthly housing payment — not just principal and interest, but taxes, insurance and PMI too. See the full PITI, the total cost over the term, and when PMI drops off.
• Mortgage Payment Calculator What you actually pay each month — principal & interest plus the escrowed taxes and insurance — and how switching to biweekly payments quietly shaves years and thousands in interest off the loan.
• Mortgage Refinance Calculator Should you refinance? Compare your current loan with a new rate and term to see the monthly saving, how long it takes to recoup the closing costs, and the catch lenders gloss over — whether a lower payment actually means more interest over the life of the loan.
• Property Tax Calculator Estimate the property tax on a home — annual and monthly — from its value and the local rate, whether that rate is quoted as a percentage or a mill rate. Handles the US wrinkles too: assessment ratios, homestead and other exemptions, and a multi-year projection that respects reassessment caps.
• Real Estate ROI Calculator Measure a rental property’s return from rent, appreciation, mortgage paydown, and sale proceeds. Enter price, rent, financing, and hold period to see total ROI, cash-on-cash return, cap rate, and IRR over the full investment.
• Rent vs Buy Calculator Compare renting with buying over the years you expect to stay. Weigh home equity against the portfolio you could build by renting and investing the difference, then find the break-even year where one path pulls ahead.
• Rental Yield Calculator Screen a rental property by yield. Enter price and rent for gross yield, then add expenses and vacancy to see net yield and net operating income before doing a full investment analysis.

Everyday Math Calculators 19

• Average Calculator Type, comma-separate or paste a list of numbers to get the mean, median, mode, range and count at once — with optional standard deviation, variance and the geometric and harmonic means, a running-sum table, and a chart of how the data is distributed.
• Basis Points Calculator Convert basis points to percentages, decimals, or rate changes. One basis point is 0.01%, so this helps translate small finance moves, apply them to a base rate, and optionally estimate the fee or interest cost on an amount.
• Discount Calculator Enter a price and a discount to see what you pay and what you save — take a percentage or a flat amount off, stack two or three offers, add sales tax, or work backwards from a sale price to the percentage off.
• Growth Rate Calculator Calculate growth three ways: simple percentage change, compound annual growth rate (CAGR), or average growth across a series. Enter the values to see the rate, total growth, period-by-period breakdown, and optional inflation-adjusted result.
• Loss Percentage Calculator Calculate loss when something sells for less than it cost. Enter cost and selling price to see the loss percentage, money lost, breakeven price, and whether the percentage is measured on cost or on sale price.
• Margin Percentage Calculator Margin is profit measured against the selling price — the share of each sale you keep as gross profit. Enter the cost and either the price or a target margin, and the calculator solves for the rest: the margin percentage, the profit, and the equivalent markup.
• Markup Percentage Calculator Markup is profit measured against cost — the amount you add to what something costs you to set its selling price. Enter the cost and either the price or the markup, and the calculator solves for the rest: the markup percentage, the profit, and the equivalent profit margin.
• Percentage Calculator The three percentage questions everyone needs, in one place: what is X% of Y, what percent X is of Y, and the reverse — X is Y% of what number. Pick a mode and enter the two values; it also shows the decimal and fraction equivalents and handles chained percentages.
• Percentage Change Calculator The signed percentage change between two numbers — one tool for both directions. Positive means it went up, negative means down. Built for comparing periods: revenue year-over-year, a metric this month versus last, a price now versus then.
• Percentage Decrease Calculator Work out a percentage decrease two ways: find the percentage a value fell from old to new — a price drop, a decline, a loss — or apply a reduction to a number to get the new figure. It shows the absolute change and the multiplier too.
• Percentage Difference Calculator Comparing two independent values where neither is the “original” — two lab readings, two vendor quotes, two measurements? That’s a percentage difference, not a percentage change. It divides by the average of the two, so the order doesn’t matter and the answer is always positive.
• Percentage Increase Calculator Work out a percentage increase two ways: find the percentage a value grew from old to new — a pay rise, a price hike, a year of growth — or apply an increase to a number to get the new figure. It shows the absolute change and the multiplier too.
• Percentage of Total Calculator Work out what percentage a part is of a total — or paste a whole list of values and see each one as a percentage of their sum, with the running cumulative share. There’s a reverse mode too: if X is Y% of a total, what is the total?
• Profit Percentage Calculator Calculate profit percentage without mixing up markup and margin. Enter cost and price, or revenue and profit, choose the base for the headline figure, and see both profit on cost and profit on revenue clearly labelled.
• Proportion Calculator Solve a proportion where two ratios are equal: a : b = c : d. Enter the three known values, choose the missing position, and the calculator cross-multiplies to find the fourth, with support for inverse proportion too.
• Ratio Calculator Everything you do with a ratio in one place: simplify it to its lowest terms, solve a proportion to find a missing value, scale it up or down, or convert it to a fraction, decimal and percentage. Works with two- or three-part ratios.
• Reverse Percentage Calculator The undo button for percentages. You have the figure after a discount, a tax or a markup was applied, and you want the original — the pre-discount price, the pre-tax amount, the number before it grew. Pick which way the percentage went and this works backwards to the starting value.
• Tip Calculator Enter the bill and a tip percentage to see the tip and the total — then split it between any number of people, round up to a clean figure, or tip on the pre-tax amount. Tap a preset for the usual 15, 18 or 20%.
• Weighted Average Calculator Calculate a weighted average where some values count more than others. Enter values and weights to see the weighted result beside the plain average, useful for GPAs, course grades, weighted scores, and any mix where each item has different importance.

Tax, VAT & Sales Calculators 18

• Bonus Tax Calculator Estimate how a bonus is withheld and what it really costs in tax. Enter your bonus to see flat supplemental withholding, FICA, take-home pay, and the actual ordinary-income tax that gets reconciled when you file.
• Capital Gains Tax Calculator Estimate US tax on an investment gain. Enter purchase and sale prices, income, and holding period to see the gain, tax, after-tax proceeds, and how long-term capital-gains rates compare with short-term ordinary-income treatment.
• Crypto Tax Calculator Estimate US crypto tax across capital gains and ordinary income. Enter one trade or paste a buy/sell ledger, choose a cost-basis method, and include staking, mining, or airdrops to see gains, income, and total tax.
• Dividend Tax Calculator Estimate tax on qualified or ordinary dividends. Qualified dividends use long-term capital-gains rates; ordinary dividends use regular income-tax rates. Enter dividends and income to see tax, after-tax income, and how much qualified treatment saves.
• Effective Tax Rate Calculator Calculate your effective tax rate: total tax divided by total income. Enter tax paid or let the calculator use federal brackets for your filing status, then compare your average rate with your marginal rate.
• Freelance Tax Calculator Estimate freelance tax on your business profit. Enter income and expenses to see self-employment tax, income tax, total tax, and the quarterly estimated payment to set aside when no employer is withholding for you.
• GST Calculator Add GST to a price or strip it out of a GST-inclusive total. Pick an Indian slab (5, 12, 18 or 28%) and the calculator splits the tax into CGST and SGST for intra-state supply, or IGST for inter-state — or choose another GST country, or enter any rate.
• HRA Calculator Calculate India HRA exemption when you pay rent. Enter basic salary, HRA received, rent paid, and city type to see the exempt amount, taxable HRA, and estimated tax saved.
• Import Duty Calculator Estimate the landed cost of an import after customs duty, import VAT or GST, and fees. Enter goods value, duty rate, and destination country to see each charge and the final cost.
• Income Tax Estimator Estimate US federal income tax from progressive brackets. Enter income, filing status, deductions, pre-tax contributions, and credits to see total tax, take-home pay, effective and marginal rates, per-bracket tax, and optional state tax.
• Marginal Tax Rate Calculator Find your marginal tax rate: the rate on your next dollar of taxable income. Enter year, filing status, and taxable income to see your bracket, room before the next bracket, and effective-rate comparison.
• Reverse VAT Calculator Strip VAT out of a tax-inclusive price. Enter the gross amount and rate, or pick a country, to see the net price and VAT component. The same arithmetic works for reverse GST or tax-inclusive sales tax.
• Sales Tax Calculator Calculate sales tax on a price, or back it out of a tax-inclusive total. Enter a rate directly or pick a US state to use its combined state and local rate, with the tax and total shown.
• Self-employment Tax Calculator Calculate self-employment tax for Social Security and Medicare. Enter net self-employment income to see total SE tax, the Social Security and Medicare portions, and the half that can be deducted against income tax.
• Tax Bracket Calculator See which federal tax brackets your taxable income spans. Enter year, filing status, and income to get tax by bracket, total tax, and a clear reminder that your top bracket is not your rate on every dollar.
• Tax Refund Calculator Estimate your federal tax refund or amount due. Enter income and tax withheld, and the calculator works out your bracket-based liability, then shows whether you are getting money back or need to pay more.
• Taxable Income Calculator Work from gross income to taxable income. Subtract pre-tax contributions, above-the-line adjustments, and the standard or itemized deduction to see AGI, taxable income, each subtraction, and which deduction gives the larger benefit.
• VAT Calculator Add VAT to a net price or remove VAT from a VAT-inclusive total. Enter a rate directly or pick a country to use standard, reduced, or zero rates, with VAT, net, and gross shown.

Money Converters 16

• Crore Rupees to Dollars Calculator Convert crore of Indian rupees into US dollars at a recent daily exchange rate. Enter an amount in crore and see it in dollars — roughly ₹83 to the dollar means 1 crore is about $120,000. Two steps in one: the rupee figure, then the currency conversion.
• Crore to Billion Calculator Convert crore to billion and back. A billion is one hundred crore: a crore is 10⁷ and a billion is 10⁹. Enter an amount, flip direction with one click, and see the value in both number systems with a reference table.
• Crore to Lakh Calculator Convert crore to lakh and back. One crore equals one hundred lakh, because a crore is 10⁷ and a lakh is 10⁵ — two powers of ten apart. Enter an amount, flip the direction with one click, and read it in both groupings with a reference table.
• Crore to Million Calculator Convert crore to million and back. One crore equals ten million: a crore is 10⁷ and a million is 10⁶. Enter an amount, flip direction with one click, and see the value in both number systems with a reference table.
• Currency Converter Convert between major world currencies using a recent daily snapshot of exchange rates. Choose any pair and amount; the rate is shown both ways, and the date of the snapshot is displayed.
• Currency to Crore Converter Convert major currencies into Indian rupees expressed in crore and lakh. Enter an amount in millions, billions, or plain units, choose the currency, and see the rupee value at the daily exchange rate. Flip direction to convert rupees back.
• EUR to USD Calculator Convert Euros (EUR) to US Dollars (USD) using a recent daily exchange-rate snapshot. Enter an amount in euros to see it in dollars, with the rate shown both ways. Switch the currencies to convert any other pair.
• INR to USD Calculator Convert Indian Rupees (INR) to US Dollars (USD) using a recent daily exchange-rate snapshot. Enter an amount in rupees to see it in dollars, with the rate shown both ways. Switch the currencies to convert any other pair.
• Indian to International Number Converter Convert numbers between the Indian system (lakh, crore, lakh crore) and the international system (thousand, million, billion, trillion). Pick units on both sides, flip direction, and see the value, full digit groupings, and reference table.
• Lakh Crore to Billion Calculator Convert lakh crore to billion and back. One lakh crore equals one thousand billion, because a lakh crore is 10¹² (the same as a trillion) and a billion is 10⁹. Enter an amount, flip the direction, and read it in both number systems with a reference table.
• Lakh Crore to Trillion Calculator Convert lakh crore to trillion and back. One lakh crore equals one trillion — both are 10¹², so they are the same size. Enter an amount and flip the direction with one click; the value is shown in both number systems with a full reference table.
• Lakh to Million Calculator Convert lakh to million and back. Ten lakh make one million — a lakh is 10⁵ and a million 10⁶, so a million is ten lakh. Enter an amount and flip the direction with one click; the value appears in both number systems with a full reference table.
• Trillion Rupees to Dollars Calculator Convert trillion of Indian rupees into US dollars at a recent daily exchange rate. One trillion rupees is the same as one lakh crore, and at about ₹83 to the dollar it is roughly $12 billion. Enter an amount in trillion and read it in dollars.
• USD to EUR Calculator Convert US Dollars (USD) to Euros (EUR) using a recent daily exchange-rate snapshot. Enter an amount in dollars to see it in euros, with the rate shown both ways. Switch the currencies to convert any other pair.
• USD to GBP Calculator Convert US Dollars (USD) to British Pounds (GBP) using a recent daily exchange-rate snapshot. Enter an amount in dollars to see it in pounds, with the rate shown both ways. Switch the currencies to convert any other pair.
• USD to INR Calculator Convert US Dollars (USD) to Indian Rupees (INR) using a recent daily exchange-rate snapshot. Enter an amount in dollars to see it in rupees, with the rate shown both ways. You can switch the currencies to convert any other pair too.

Salary & Income Calculators 20

• Annual Income Calculator Add up everything you earn in a year. Convert hourly, weekly, biweekly, monthly, or annual pay, then add bonus, freelance, investment, and rental income. See total annual income, monthly equivalent, and a per-source breakdown. Gross figures, before tax.
• Bonus Calculator Calculate a work bonus and what actually reaches you. Enter salary plus a bonus percentage or flat amount, with optional performance multiplier or part-year proration, to see bonus pay, total compensation, and take-home after withholding.
• Commute Cost Calculator Estimate the real cost of commuting. Add driving or transit costs, parking, tolls, vehicle wear, and optional time value to see daily, monthly, and annual totals plus the hours spent getting to work.
• Contractor Rate Calculator Calculate the hourly or day rate to charge as an independent contractor. Start from the W-2-equivalent income you want, add taxes, benefits, expenses, and bench time, then divide by realistic billable hours.
• Cost of Living Calculator International Compare cost of living between world cities and estimate the salary needed abroad to keep your current lifestyle. Results show your home-currency salary, the destination local-currency equivalent, exchange-rate impact, and cost index comparison.
• Cost of Living Calculator US Compare cost of living between two US cities and estimate the salary needed to keep your current lifestyle. See equivalent pay, overall difference, and a category breakdown for housing, groceries, and eating out.
• Freelance Rate Calculator Find the hourly or day rate to charge as a freelancer. Enter target income, billable hours, expenses, benefits, and tax assumptions to see the rate needed after utilisation, self-employment tax, and non-billable time.
• Gross to Net Pay Calculator Turn a gross salary into net pay. Enter the annual gross — the headline figure on an offer or contract — and this works out what actually reaches you after federal income tax, FICA, state tax and any deductions, with the full line-by-line path from gross to net.
• Hourly to Salary Calculator Convert an hourly wage to annual salary, plus monthly, weekly, and biweekly equivalents. Enter hourly rate, hours per week, and weeks per year to see gross pay before tax, with assumptions shown.
• Monthly Income Calculator Add up what you earn in a month. Convert hourly, weekly, biweekly, yearly, or salary pay to monthly income, then add bonus, freelance, investment, and rental income. See monthly total, annual equivalent, and source breakdown. Gross figures, before tax.
• Net to Gross Salary Calculator Know the take-home you want? Work backwards to the gross. Enter your desired net pay and this finds the gross salary that lands exactly there after federal income tax, FICA and any deductions — so you know what to negotiate. It’s the inverse of the take-home calculator.
• Overtime Pay Calculator Add up weekly pay with overtime. Enter hourly rate, regular hours, overtime hours, and multiplier to see overtime pay, total pay, blended hourly rate, and annualized income, with an optional double-time tier.
• Pay Raise Calculator Calculate salary after a raise. Enter current pay and a percentage or dollar increase to see the new salary, cash increase, percentage increase, after-tax take-home bump, and inflation-adjusted real raise.
• Paycheck Calculator See what actually lands each payday. Enter your gross pay and how often you’re paid, add your W-4 details, and this estimates federal withholding, FICA and state tax to give your net pay per paycheck — with the line-by-line breakdown and an annual projection. US federal method.
• Remote Work Savings Calculator Estimate money and time saved by working from home. Add avoided fuel or transit, parking, lunches, coffee, clothes, and commute hours, then subtract home-office costs or factor in moving to a cheaper area.
• Salary Calculator Convert salary across pay frequencies. Enter an amount and how often it is paid, then see annual, monthly, biweekly, weekly, daily, and hourly equivalents. Gross pay before tax, with hours-per-week and weeks-per-year assumptions adjustable.
• Salary Comparison Calculator Compare two salary offers by real spending power. Enter salaries and cities to compare take-home pay after federal, FICA, and state tax, then adjust for cost of living to see which offer is genuinely ahead.
• Salary to Hourly Calculator Convert an annual salary to an hourly rate. Enter pay, hours per week, weeks per year, and paid time off to see gross hourly pay and the effective rate over the hours you actually work.
• Severance Pay Calculator Estimate a severance package after job loss or during negotiations. Enter salary, years of service, severance formula, accrued PTO, and notice pay to see gross payout, after-tax amount, and how many months of runway it covers.
• Take-home Pay Calculator See what actually lands in your account. Enter your gross salary and how often you’re paid, and this nets out federal income tax, FICA (Social Security + Medicare), state tax and your deductions — showing take-home per paycheck and per year, with the full gross-to-net breakdown.

Retirement & FIRE Calculators 24

• The 4% Rule Calculator Use the 4% rule to turn annual expenses into a retirement corpus, or a corpus into first-year withdrawal. See the classic 25× target plus 3% and 3.5% alternatives, with a year-by-year look at how the pot holds up.
• Annuity Calculator Turn a lump sum into retirement income, or work backwards from the income you want to the capital required. Choose payment timing, escalation, deferral, survivor share, or life-annuity payout rate to see income, lump sum, or future value.
• Barista FIRE Calculator Calculate your Barista FIRE number: the portfolio needed when part-time income covers part of your spending. Enter expenses, savings, return, and expected part-time income to see the smaller target, years to reach it, and corpus saved versus full FIRE.
• Coast FIRE Calculator Find your Coast FIRE number: the amount that can grow to your full FIRE target by retirement with no new contributions. Enter age, savings, target, and return to see whether you can coast and how far you still need to go.
• EPF Calculator Project your EPF corpus at retirement from employee and employer contributions, interest, salary growth, and optional Voluntary PF. See the EPF balance, EPS pension split, yearly growth, and how salary increments change the final amount.
• Early Retirement Calculator Estimate the earliest age you can retire and whether your money survives a long drawdown. Enter savings, spending, returns, Social Security timing, and health-insurance costs to see the target corpus, bridge years, and retirement sustainability.
• FIRE Calculator Find when you can stop working. Enter expenses, savings, contributions, return, and withdrawal rate to calculate your FIRE number, progress, years to reach it, FI age, and lean, fat, and coast-FIRE milestones in today’s money.
• Fat FIRE Calculator Calculate the FIRE number for a generous retirement budget. Enter target spending, savings, return, and withdrawal rate to see the fat FIRE corpus, years to reach it, progress, and how taxes, legacy goals, or cautious withdrawal assumptions change the target.
• Financial Independence Calculator Find your financial independence number and timeline. Enter expenses, savings, savings rate or contributions, and expected return to see the corpus needed, years to FI, age reached, progress so far, and how savings rate changes the path.
• Gratuity Calculator Calculate statutory gratuity in India from last drawn salary and years of service. Apply the covered or non-covered employer formula, rounding rules, and tax exemption cap to see gross gratuity, tax-free amount, and taxable balance.
• How Long Will My Money Last Calculator See how long your savings last in retirement. Enter corpus, withdrawals, return, and inflation to get depletion age and years covered, with options for pension income, fees, large expenses, inheritance, or preserving a legacy.
• Inflation-adjusted Retirement Calculator Plan retirement in today’s money. Enter savings, contributions, expenses, return, and inflation to see real purchasing power, nominal values, required corpus, and how fixed versus inflation-linked income changes the result.
• Lean FIRE Calculator Calculate the FIRE number for a deliberately frugal budget. Enter bare-bones expenses, savings, return, and withdrawal rate to see the lean FIRE corpus, years to reach it, progress, and how relocation, savings rate, or medical buffers affect the target.
• NPS Calculator Project your National Pension System corpus at 60. Enter contributions, expected return, step-ups, and employer contributions to see the maturity corpus, tax-free lump sum, annuity purchase amount, estimated monthly pension, and 80CCD tax benefit.
• Pension Calculator Estimate either a defined-contribution pension pot or a salary-based defined-benefit pension. Enter contributions, employer match, tax relief, service, salary, and payout options to see the retirement pot, annual pension, monthly income, survivor benefit, and inflation impact.
• Required Retirement Contribution Calculator Find the monthly contribution needed to hit your retirement goal. Enter target corpus or desired retirement income, current savings, years to retirement, and expected return to see monthly and annual savings required, including employer match or windfalls.
• Retirement Calculator Build a full retirement plan from savings to drawdown. Enter age, savings, contributions, return, and target spending to see projected corpus, surplus or shortfall, supported monthly income, extra savings needed, and a year-by-year glide path.
• Retirement Corpus Calculator Calculate how big a retirement corpus you need. Enter target income, withdrawal rate or retirement length, return, tax, pension income, and legacy goal to see the required nest egg in today’s and future money.
• Retirement Gap Calculator Check whether you’re on track for retirement. Compare projected savings with the corpus needed for your desired income, then see any surplus or shortfall and the monthly savings, later retirement age, or spending cut needed to close the gap.
• Retirement Income Calculator Estimate the income your retirement corpus can support. Enter savings, withdrawal method, retirement length, return, tax, and pension or Social Security income to see sustainable annual and monthly income, total retirement income, and whether the pot lasts.
• Retirement Savings Calculator Project your retirement savings from current balance, monthly contributions, return, and years to retirement. See the final corpus split between contributions and growth, or switch to target mode to solve the monthly contribution needed.
• Retirement Withdrawal Calculator Model retirement withdrawals year by year. Enter corpus, withdrawal amount or target duration, return, inflation, and pension income to see how long the money lasts, the sustainable withdrawal amount, depletion age, and withdrawal rate.
• Safe Withdrawal Rate Calculator Find a sustainable withdrawal rate for your retirement savings, or test a rate like the 4% rule. Enter corpus, horizon, return, and inflation to see whether withdrawals last, with options to spend down or preserve capital.
• Social Security & State Pension Estimator Estimate government retirement benefits for the US or UK. For the US, compare Social Security at 62, full retirement age, and 70; for the UK, estimate State Pension from qualifying National Insurance years.

Stock Market Calculators 22

• P/E Ratio Calculator Calculate a stock’s P/E ratio from price and EPS, or market cap and net income. See earnings yield, forward P/E, PEG, and comparison with an industry average to judge whether valuation looks rich or cheap.
• Alpha Calculator Calculate Jensen’s alpha: the return earned above what CAPM predicts for the risk taken. Enter actual return, risk-free rate, beta, and market return — or expected return directly — to see whether a stock, fund, or portfolio outperformed its benchmark.
• Beta Calculator Calculate a stock’s beta, its movement relative to the market. Paste stock and market returns to compute beta as the regression slope, with alpha and R², or enter covariance and market variance directly.
• CAPM Calculator Use CAPM to estimate expected return or cost of equity from the risk-free rate, beta, and market return. See the risk premium, Security Market Line position, and alpha if you add the actual return.
• Dividend Discount Model Calculator Value a dividend-paying stock from the present value of future dividends. Use the Gordon Growth model for steady growth or a two-stage model for faster growth now and slower growth later, then compare intrinsic value with market price.
• Dividend Income Calculator Estimate dividend income from shares owned and dividend per share. See annual and monthly income, project dividend growth over time, model reinvestment with DRIP, or work backwards from a target income to the shares or capital needed.
• Dividend Reinvestment Calculator Compare reinvesting dividends with taking them as cash. Enter starting shares, dividend yield, growth, price appreciation, tax, fees, and contributions to see the extra value DRIP compounding can create over time.
• Dividend Yield Calculator Calculate dividend yield from dividend per share and stock price. Add purchase price for yield on cost, dividend growth for forward yield, tax for net yield, and payout frequency to annualize quarterly or half-yearly dividends.
• Earnings Per Share (EPS) Calculator Calculate basic and diluted earnings per share from net income, preferred dividends, shares outstanding, and dilutive securities. See how much profit belongs to each share and the more conservative EPS used in valuation.
• Market Cap Calculator Calculate market capitalization from share price and shares outstanding. See the company size category, enterprise value after debt and cash, float-adjusted cap, fully diluted cap, and compare multiple companies side by side.
• PEG Ratio Calculator Calculate the PEG ratio by dividing P/E by earnings growth. Enter P/E or price and EPS, add growth rate and optional dividend yield for PEGY, then test how sensitive the valuation is to growth assumptions.
• Portfolio Allocation Calculator Set a target portfolio allocation across assets or holdings. Enter total investment and target weights to see how much goes into each, then add current values to find gaps and what to top up.
• Portfolio Rebalancing Calculator Rebalance a drifted portfolio back to target weights. Enter current values and target allocations to see the buys and sells required, or use contribution-only mode to direct new money toward underweight holdings.
• Portfolio Return Calculator Measure total portfolio return across holdings. Enter invested amount and current value for each position to see total gain, return, annualized CAGR, holding weights, contribution to return, benchmark comparison, and allocation chart.
• Price-to-Book Ratio Calculator Calculate price-to-book from stock price and book value per share, or market cap and total equity. Add intangibles to get price-to-tangible-book and compare market value with the company’s accounting net worth.
• Price-to-Sales Ratio Calculator Calculate price-to-sales for companies where revenue matters more than earnings. Enter market cap and sales, or price and sales per share, then add debt and cash for EV/Sales and growth to see how the multiple changes.
• Sharpe Ratio Calculator Calculate Sharpe ratio to compare risk-adjusted returns. Enter return, risk-free rate, and volatility, compare multiple portfolios, or paste return data to compute mean return, volatility, Sharpe ratio, and Sortino ratio.
• Sortino Ratio Calculator Calculate Sortino ratio, a risk-adjusted return measure that counts only downside volatility. Enter return, target return, and downside deviation, paste a returns series, or compare portfolios with the Sharpe ratio shown alongside.
• Stock Average Calculator Find your weighted-average cost after buying a stock at different prices. Add each purchase price and quantity to see average cost, total shares, total invested, unrealized profit or loss, and shares needed to reach a target average.
• Stock Profit / Loss Calculator Calculate real profit or loss on a stock trade after brokerage, charges, and capital-gains tax. Enter buy price, sell price, and quantity to see net profit, return, breakeven sell price, annualized return, and target-price needs.
• Stock Return Calculator Calculate total and annualized stock return from buy price, sell or current price, and holding period. Add dividends, taxes, inflation, and a benchmark to see net return, real return, CAGR, and whether you beat the market.
• Volatility Calculator Measure investment volatility from returns or prices. Paste a return series, or prices to derive returns, and see periodic and annualized volatility, variance, downside deviation, and the inputs used for Sharpe and Sortino ratios.

Budgeting Calculators 17

• 50/30/20 Budget Calculator Apply the 50/30/20 rule to monthly take-home pay: 50% needs, 30% wants, 20% savings and debt. Adjust the ratios, compare actual spending, and see exactly which buckets are over target.
• Affordability Calculator Work out what you can really afford for a home, car, rent, or big purchase from income, existing EMIs, living costs, and rates. See Comfortable, Stretch, and Ceiling figures, implied payment, down-payment gap, and rate-stress test.
• Baby Cost Calculator Estimate what a baby costs across setup, delivery, and monthly run-rate. Add gear, insurance, childcare, feeding, medical costs, lost income, and age-5 projection to see upfront cash needed, recurring budget impact, and which choices move the number most.
• Budget Calculator Build a monthly budget from income and expenses by category. See surplus or deficit, savings rate, where every dollar goes, budgeted versus actual spending, and automatic needs, wants, and savings split.
• Cash Flow Calculator See where your money goes each month and what is left. Enter income and expenses by category to build a personal cash-flow statement with net cash flow, savings rate, ratios, and a Sankey view of every dollar.
• College Savings Calculator Estimate what college will cost when your child enrolls and how much to save monthly. Add current savings, expected return, tuition inflation, course length, living costs, and scholarships to see the future cost and savings plan.
• Emergency Fund Calculator Find how large your emergency fund should be. Enter essential monthly expenses, months of cover, current savings, and income stability to see your target, coverage today, savings gap, recommendation, and time needed to reach it.
• Emergency Savings Time Calculator Answer both emergency-fund timing questions. Build mode shows how many months of saving it takes to reach your target. Last mode shows how long savings would last if income stopped, with interest, partial income, and spending cuts included.
• Expense Split Calculator Split shared expenses for trips, roommates, dinners, or households. List people, expenses, and who paid, then see each person’s fair share, net balance, and the shortest settlement plan for who pays whom.
• Family Budget Calculator Build a household budget from income, family size, city, and a chosen framework such as 50/30/20. Get recommended category allocations, then add actual spending to see where you are over or under the guideline.
• Monthly Expense Calculator Add up monthly spending by category and see the total, composition, per-day and per-year equivalents, and largest category. Add income to see the share you spend and how much could be saved.
• Moving Cost Calculator Budget a move beyond the truck. Estimate movers from home size, distance, and service level, then add deposits, brokerage, overlap rent, setup, and packing costs to see upfront cash needed, net cost, and peak-cash timing.
• Net Worth Calculator Calculate net worth: assets minus debts. Enter accounts, property, investments, loans, and other liabilities to see total assets, total debts, liquid and investable net worth, debt-to-asset ratio, and projected wealth trend.
• Savings Goal Calculator Plan how to reach a savings goal by a target date. Enter goal, current savings, return, and deadline to find the monthly amount needed, or fix the monthly saving and solve for how long it will take.
• Subscription Cost Calculator Add up recurring subscriptions across billing cycles. List monthly, quarterly, or yearly services to see true monthly and annual cost, daily cost, 10-year spend, investment opportunity cost, and which subscriptions cost the most.
• Vacation Budget Calculator Plan a trip budget from transport, accommodation, daily spending, activities, fixed costs, adults, children, and contingency. See total trip cost, cost per person and per day, budget tiers, and monthly saving needed.
• Wedding Budget Calculator Plan a wedding budget from guest count, per-plate costs, events, categories, and contingency. Build an estimate or allocate a fixed budget, then see total cost, cost per guest, funding gap, monthly saving, and guest-count sensitivity.

Business & Valuation Calculators 33

• Bond Yield Calculator Calculate a bond’s current yield, yield to maturity, yield to call, and yield to worst from price, coupon, face value, and dates. Or enter a target yield to estimate price, duration, cash-flow present values, and the price-yield curve.
• Break-even Calculator Find the units and revenue needed to cover fixed and variable costs. Add a profit target, tax rate, current sales, or product mix to see break-even, margin of safety, profit, and the CVP chart.
• Burn Rate Calculator Measure gross burn, net burn, runway, and burn multiple from cash, revenue, and expenses. See how efficiently cash turns into growth, what runway current cash implies, and how revenue and spending scenarios change the zero-cash date.
• CAC Payback Calculator Calculate CAC payback: months of gross margin needed to recover customer acquisition cost. Build CAC from sales and marketing spend, compare channels or segments, and see LTV:CAC, benchmark bands, and the cumulative recovery curve.
• CAGR Revenue Growth Calculator Calculate revenue CAGR from start and end revenue or a year-by-year series. Compare the smoothed CAGR line with actual revenue, project forward, find growth needed for a target, and adjust for inflation or segments.
• Churn Rate Calculator Measure customer churn, gross revenue churn, net revenue churn, retention, and implied customer lifetime. Enter customers or MRR movements to see churn correctly compounded between monthly and annual rates, plus net revenue retention.
• Cost of Debt Calculator Estimate pre-tax and after-tax cost of debt for WACC. Enter a borrowing rate, blend multiple debt tranches, or build a synthetic rate from risk-free rate and spread, then see the tax shield’s value.
• Cost of Equity Calculator Estimate the return shareholders require using CAPM, dividend growth, or build-up methods. Compare the cost of equity from risk-free rate, beta, equity risk premium, dividends, growth, and risk premiums for valuation and WACC.
• Customer Lifetime Value (CLV / LTV) Calculator Calculate margin-adjusted customer lifetime value from ARPU, gross margin, and churn. Add CAC to see LTV:CAC, CAC payback, discounted LTV, expansion revenue, benchmarks, and churn sensitivity.
• DCF Calculator Value a business from projected free cash flows, terminal value, and WACC. Forecast growth, discount cash flows to today, bridge enterprise value to equity value per share, and test sensitivity to discount rate and terminal growth.
• Discount Rate Calculator Build a discount rate from risk-free rate and risk premiums, derive cost of equity with CAPM, or infer the rate from present and future value. Convert real, nominal, discrete, and continuous rates.
• EBITDA Multiple Calculator Value a business using EV/EBITDA. Enter EBITDA and a multiple to estimate enterprise value, back out the implied multiple from a price, or use peer ranges, with reported versus adjusted EBITDA and add-backs shown.
• Enterprise Value Calculator Calculate enterprise value by bridging from market cap to the full takeover cost. Add debt, leases, minority interest, preferred stock, and subtract cash or investments, then see net debt and EV valuation multiples.
• Equity Dilution Calculator Track how ownership dilutes through funding rounds and option-pool increases. Enter starting stake, round valuations, investment amounts, and pro-rata choices to see percentage ownership, value, dilution points, and cap-table evolution.
• Equity Value Calculator Calculate equity value from enterprise value or market capitalization. Bridge down from EV by subtracting net debt and senior claims, or use share price and diluted shares, then compare intrinsic and market equity value.
• Founder Ownership Dilution Calculator Model founder ownership through funding rounds, option-pool top-ups, and exit preferences. See each co-founder’s stake after dilution, the option pool’s cumulative impact, and what common shareholders receive after liquidation preferences.
• Free Cash Flow Calculator Calculate free cash flow to the firm and to equity from EBIT, EBITDA, net income, or cash from operations. Walk through taxes, working capital, capex, debt flows, and growth projections for valuation.
• Gross Margin Calculator Calculate gross profit, gross margin, markup, and target price from revenue, cost, or unit economics. See margin versus markup clearly, convert between them, and find the price needed for a target margin.
• IRR Calculator Calculate IRR for periodic cash flows or XIRR for dated, irregular flows. See NPV at your hurdle rate, MIRR, sign-change warnings for multiple IRRs, and the NPV profile curve.
• MIRR Calculator Calculate modified internal rate of return using explicit finance and reinvestment rates. Compare MIRR with IRR, see present value of negative flows, future value of positive flows, and the single realistic return.
• MRR Calculator Build a monthly recurring revenue bridge from beginning MRR, new business, expansion, reactivation, contraction, and churn. See ending MRR, net new MRR, ARR, growth rate, quick ratio, and normalized monthly value of annual plans.
• NPV Calculator Calculate net present value from upfront investment, future cash flows, and discount rate. See whether a project clears its hurdle, plus profitability index, payback, discounted payback, IRR, and the NPV-versus-rate profile.
• Net Profit Margin Calculator Calculate net profit margin from the income statement after COGS, operating expenses, interest, and tax. See gross, operating, and net margins together, earnings per share, benchmark comparison, and margin trend.
• Operating Margin Calculator Calculate operating margin from EBIT and revenue, or build EBIT from revenue, COGS, and operating expenses. Compare gross, EBITDA, operating, and net margins, with benchmark and multi-period trend views.
• Payback Period Calculator Find how long an investment takes to recover its initial cost. Enter level or uneven cash flows to see exact payback, discounted payback, NPV, IRR, and what happens after break-even.
• Pre-money Valuation Calculator Solve pre-money valuation, investment amount, or investor ownership from any two inputs. See post-money value, price per share, founder dilution, existing-holder dilution, and how pre-money versus post-money option pools change ownership.
• Profit Margin Calculator Calculate gross, operating, EBITDA, and net profit margins from one income statement. See each profit layer, margin, benchmark comparison, markup conversion, and trend so revenue’s path to net profit is clear.
• Revenue Multiple Calculator Value a company using EV/Revenue or EV/ARR multiples. Estimate enterprise value from revenue and a multiple, back out the implied multiple from price, or use peer ranges with recurring-revenue share and Rule of 40 context.
• Runway Calculator Calculate startup runway from cash on hand and net monthly burn. See flat runway, zero-cash date, projected cash as revenue and expenses change, default-alive status, scenario comparison, and funding needed for a target runway.
• SaaS ARR Calculator Build a SaaS ARR bridge from beginning ARR, new business, expansion, contraction, and churn. See ending ARR, net new ARR, retention, quick ratio, year-over-year growth, Rule of 40, and waterfall chart.
• Startup Valuation Calculator Estimate startup valuation with revenue multiples, VC method, Berkus, and Scorecard approaches. Compare the range, then model pre-money, post-money, investor ownership, founder dilution, option pool, and SAFE or convertible-note conversion.
• Terminal Value Calculator Calculate terminal value in a DCF using Gordon growth and exit multiple methods. Discount each to today, compare their implied assumptions, and see how much of total value comes from the terminal period.
• WACC Calculator Calculate weighted average cost of capital from cost of equity, after-tax debt, preferred equity, and market-value weights. Build equity with CAPM, blend debt tranches, see component contributions, and test how leverage changes WACC.