121+ Financial Calculators
Investing, loans, mortgage, retirement, taxes, business, crypto — instant answers.
Everyday tool
Basic Calculator
Add, subtract, multiply, divide — with currency selector.
Open →
Investing (25)
Compound Interest
Grow a principal with monthly contributions.
Future Value
FV of a lump sum at compound rate.
Present Value
How much a future amount is worth today.
CAGR
Compound annual growth rate.
ROI
Return on investment (simple).
Annualized Return
Convert a total return to yearly.
Rule of 72
Estimate doubling time.
Dollar-Cost Averaging
Monthly investing with growth.
Real Return
Nominal minus inflation, Fisher-adjusted.
Dividend Yield
Annual dividend divided by price.
DRIP Growth
Reinvested dividends with price growth.
Stock Total Return
Price change plus dividends.
Bond Price
Present value of coupons + face.
Bond Current Yield
Coupon divided by price.
Sharpe Ratio
Excess return per unit risk.
Capital Gains
Gain minus tax at chosen rate.
Portfolio Allocation
Weighted blended return.
REIT Return
Yield + capital appreciation.
Fee Drag
How fees eat compound returns.
Call Option Breakeven
Strike + premium.
Put Option Breakeven
Strike minus premium.
Margin Interest
Cost of borrowing on margin.
Startup Equity Value
Your share × valuation, diluted.
ESPP Return
15% discount on lookback price.
Annuity Payout
Monthly payment from a lump sum.
Retirement (10)
Retirement Savings
Grow contributions to retirement.
FIRE Number
25× annual expenses (4% rule).
Coast FIRE
Amount that grows to FIRE with no more contributions.
Safe Withdrawal Rate
Annual & monthly withdrawal.
401(k) Growth
With employer match.
Roth IRA
Tax-free retirement growth.
Traditional IRA
Pre-tax growth, taxed on withdrawal.
Required Minimum Distribution
IRS Uniform Lifetime, approx.
SS Delay Bonus
8% per year from 67 to 70 (approx).
Pension Lump vs Annuity
Compare lump growth to annuity income.
Loans (14)
Personal Loan
Fixed monthly loan payment.
Auto Loan
Car loan with down payment.
Auto Lease
Depreciation + finance charge.
Student Loan
Federal/private student loan payment.
Loan Payoff Time
How long to pay a fixed monthly.
Extra Payment Savings
Add extra monthly to shorten a loan.
Loan Affordability
Max loan for a target payment.
Loan A vs B
Compare two loan offers.
APR → Monthly Rate
Convert APR to periodic rate.
Interest-Only Payment
For interest-only period.
Balloon Payment
Remaining balance at end of term.
Biweekly Loan
Biweekly instead of monthly.
Debt Consolidation
Compare current total to a consolidated loan.
Loan Refinance
Old vs refinanced payment.
Mortgage & Real Estate (14)
Mortgage Payment
Principal + interest only.
Mortgage PITI
Principal, interest, tax & insurance.
Home Affordability
28/36 rule house budget.
Refinance Savings
Savings vs. closing costs breakeven.
ARM vs Fixed
Compare after N years.
Closing Costs
Typical 2–5% of price.
Loan-to-Value
LTV ratio.
Debt-to-Income
Front-end and back-end DTI.
Rent vs Buy
Simple 10-year cost comparison.
Rental Yield
Gross rental yield %.
Cap Rate
NOI ÷ property value.
Cash-on-Cash Return
Annual cash flow ÷ cash invested.
Gross Rent Multiplier
Price ÷ annual rent.
Property Tax
Annual & monthly property tax.
Savings (8)
Savings Goal
Monthly required to hit a target.
Emergency Fund
Recommended 3–6 months.
High-Yield Savings
Compound daily interest.
Certificate of Deposit
CD maturity value.
529 College Savings
Save for college.
How to Save a Million
Monthly needed to reach $1M.
Sinking Fund
Set aside monthly for a future expense.
Vacation Savings
Save for a specific trip.
Credit & Debt (8)
Credit Card Payoff
Fixed monthly payoff time.
Minimum Payment Trap
Payoff with 2% min payment.
Balance Transfer
Payoff during 0% intro period.
Credit Utilization
Balance ÷ credit limit.
Debt Snowball Timeline
Payoff months across N equal-sized debts.
Cash Advance Cost
Fee + higher APR interest.
Late Fee Impact
Cost of a single late payment.
Debt-to-Income Detailed
Health check for lenders.
Taxes (8)
Business (12)
Break-Even Point
Units to cover fixed costs.
Gross Margin
(Revenue − COGS) ÷ revenue.
Net Margin
Net profit ÷ revenue.
Markup
Cost to selling price.
Discount
Sale price after discount.
Customer Acquisition Cost
Marketing ÷ new customers.
Customer Lifetime Value
ARPU × gross margin × 1/churn.
LTV : CAC Ratio
SaaS efficiency ratio.
MRR → ARR
Monthly to annual recurring revenue.
Startup Runway
Months until cash out.
Revenue Multiple Valuation
ARR × multiple.
Marketing ROI
(Revenue − spend) ÷ spend.
Crypto (6)
Personal Finance (12)
Net Worth
Assets minus liabilities.
50/30/20 Budget
Needs / wants / savings.
Savings Rate
Saved ÷ income.
Hourly → Salary
Annual salary from hourly.
Salary → Hourly
Hourly rate from salary.
Cost of Living Adjustment
Adjusted salary for new city index.
Inflation Impact
What today's $ is worth tomorrow.
Latte Factor
Small daily spend, huge impact.
Fuel Cost / Trip
Cost of driving X miles.
Age to Reach $1M
When your investments hit a million.
Expense Ratio Impact
Fees over a career.
Time to FI
Years until 25× expenses.