357+ Free Financial Calculators

Budget planning, debt payoff, mortgage analysis, investment tracking, and more. All calculations happen locally in your browser — your data never leaves your device.

357 tools

23 categories

100% private

Budgeting and Personal Finance

50/30/20 Budget Calculator

Split your income using the popular 50/30/20 budgeting rule

Zero-Based Budget Calculator

Assign every dollar a job with zero-based budgeting

Paycheck Budget Planner

Plan your budget around biweekly or semi-monthly paychecks

Monthly to Annual Budget Converter

Convert your monthly budget to annual figures for better planning

Expense Category Calculator

Categorize and analyze your spending from bank statements

Irregular Income Budget Planner

Create a sustainable budget for variable or seasonal income

Sinking Fund Calculator

Plan your savings for specific financial goals

Emergency Fund Calculator

Calculate your emergency fund goal and track your progress

Net Worth Calculator

Calculate your net worth by tracking assets and liabilities

Bill Calendar Generator

Visualize your monthly bills on a calendar with due date tracking

Cost of Living Calculator

Compare cost of living between cities and calculate equivalent salaries

Percentage Change Calculator

Calculate percentage increase or decrease between two values

Debt, Credit, and Borrowing

Debt Snowball Calculator

Calculate your debt payoff plan using the snowball method

Debt Avalanche Calculator

Pay off debts fastest by targeting highest interest rates first

Debt Consolidation Calculator

Compare your current debts to a consolidation loan to see if you can save money

Credit Card Payoff Calculator

Calculate how long it will take to pay off your credit card and total interest cost

Balance Transfer Savings Calculator

Calculate savings from a 0% balance transfer offer

Debt-to-Income Calculator

Calculate your DTI ratio to understand your financial health

Credit Utilization Calculator

Calculate credit utilization ratio across all cards and get improvement strategies

Credit Limit Calculator

Calculate the credit limit needed to maintain a target utilization rate

Credit Card Payment Date Planner

Align your credit card due dates with your pay schedule to avoid late payments

Late Fee Cost Calculator

See the annualized impact of late payment fees

Loan Payment Calculator

Calculate your monthly payment and total cost for any loan

Loan Amortization Schedule Calculator

Generate a complete loan payment schedule

Extra Loan Payment Calculator

See how extra payments can help you pay off loans faster and save on interest

Interest-Only Payment Calculator

Calculate interest-only loan payments

True Cost of Borrowing Calculator

Calculate effective APR including all fees

Payoff Date Calculator

Calculate when you will pay off a debt

HECS-HELP Calculator

Calculate your HECS-HELP student loan repayments based on income thresholds and project payoff timeline

Student Loan Calculator

Calculate your monthly student loan payment and total interest

Student Loan Payoff Calculator

Calculate your payoff date and see how extra payments can save you money

Student Loan Refinance Calculator

Compare your current loan with refinancing options to see potential savings

Income-Driven Repayment Calculator

Estimate your monthly payment under IBR, PAYE, REPAYE, and ICR plans

Public Service Loan Forgiveness Calculator

Track your PSLF progress and estimate your forgiveness amount

Education ROI Calculator

Calculate the return on investment for your education

Mortgages and Housing

Mortgage Payment Calculator

Calculate your monthly mortgage payment with taxes and insurance

Mortgage Amortization Schedule

See a detailed breakdown of your mortgage payments over time

Mortgage Affordability Calculator

Find out how much house you can afford based on your income

Refinance Break-Even Calculator

Calculate when refinancing pays off closing costs

Rent vs Buy Calculator

Compare the long-term financial outcomes of renting versus buying a home

Down Payment Savings Calculator

Plan your savings timeline for a home down payment

HELOC Payment Calculator

Calculate home equity line of credit payments

Fixed vs Variable Mortgage Calculator

Compare fixed-rate and adjustable-rate mortgages to find the best option

Biweekly vs Monthly Mortgage Calculator

See savings from biweekly mortgage payments

Closing Costs Calculator

Estimate the closing costs for purchasing a home

Mortgage Points Buydown Calculator

Determine if buying mortgage points makes financial sense for you

Rent Affordability Calculator

Determine how much rent you can afford based on your income and expenses

Rental Property Cash Flow Calculator

Calculate cash flow and key metrics for rental property investments

Cap Rate Calculator

Calculate the capitalization rate for real estate investments

Cash-on-Cash Return Calculator

Calculate cash-on-cash return for real estate investments

Home Equity Loan Calculator

Calculate home equity loan payments and total interest costs

Down Payment Calculator

Calculate how much you need to save for a home down payment

FHSA Calculator

Calculate First Home Savings Account growth and tax benefits

CMHC Insurance Calculator

Calculate mortgage default insurance premiums for Canadian home purchases

Land Transfer Tax Calculator

Calculate provincial land transfer taxes by province

Stamp Duty Calculator

Calculate Stamp Duty Land Tax (SDLT) for property purchases in England and Northern Ireland, or Land Transaction Tax (LTT) for Wales

Australian Stamp Duty Calculator

Calculate stamp duty (transfer duty) for property purchases across all Australian states and territories

FHSS Calculator

Calculate the tax benefits of the First Home Super Saver scheme for buying your first home in Australia

Negative Gearing Calculator

Calculate the tax benefits of negative gearing for Australian investment property including depreciation

Rental Yield Calculator

Calculate gross and net rental yield for investment properties

Property ROI Calculator

Calculate total return on investment including cash flow and appreciation

House Flip Calculator

Calculate profit and ROI for house flipping projects

Commercial Real Estate Calculator

Calculate NOI, cap rate, and cash flow for commercial properties

Home Improvement ROI Calculator

Calculate ROI for home renovations and compare to industry averages

Saving, Goals, and Purchases

Savings Goal Calculator

Calculate how much to save each month to reach your financial goal

Multiple Savings Goals Splitter

Allocate savings across multiple goals

Savings Rate Calculator

Calculate your savings rate and path to financial independence

Opportunity Cost Calculator

Compare buying now versus investing the money to understand the true cost of purchases

Pay Cash vs Finance Calculator

Decide whether to pay cash or finance a large purchase

Lifestyle Creep Calculator

Track how spending growth compares to income growth and see the wealth impact

Round-Up Savings Calculator

See how much you could save by rounding up your purchases

Income Needed for a Purchase Calculator

Calculate how much pre-tax income you need to earn to afford a purchase

Affordability Rule Calculator

Calculate housing and car affordability using common financial rules like 28/36, 30%, and 20/4/10

College Savings Calculator

Plan for college costs with 529 savings projections

ISA Calculator

Calculate tax-free growth projections for your Stocks and Shares ISA or Cash ISA

Lifetime ISA Calculator

Calculate your Lifetime ISA growth with the 25% government bonus for first home or retirement

Severance Calculator

Calculate your severance pay based on years of service and salary

Wedding Budget Calculator

Plan your wedding budget and estimate costs by category

Baby Cost Calculator

Estimate first-year costs for a new baby

Pet Cost Calculator

Calculate annual pet ownership costs for dogs and cats

Moving Cost Calculator

Estimate your moving costs for local or long-distance moves

Solar Panel Calculator

Calculate solar panel payback period and long-term savings

Everyday Money and Shopping

Tip Calculator

Calculate restaurant tips and split bills among multiple people

Bill Split Calculator

Split a bill between multiple people with tip calculation

Unit Price Calculator

Compare prices per unit to find the best value

Discount Calculator

Calculate the final price after discounts and see your savings

Coupon vs Cashback Calculator

Compare using a coupon/discount versus earning cashback rewards to find the best deal

Subscription Cost Calculator

Calculate the true cost of your recurring subscriptions over time

Subscription Audit Calculator

Track all your subscriptions, see the true annual cost, and identify which ones to cancel

Price Per Square Foot Calculator

Calculate property price per square foot for comparison

Cost Per Use Calculator

Calculate the cost per use of purchases and subscriptions

Rates, Interest, and Compounding

Simple vs Compound Interest Calculator

Compare simple and compound interest over time

Compound Interest Calculator

Calculate compound interest and see how your money grows over time

Continuous Compounding Calculator

Calculate continuous compounding and compare with other compounding frequencies

APY Calculator

Calculate Annual Percentage Yield (APY) from APR and compare compounding frequencies

APR to EAR Converter

Convert between Annual Percentage Rate (APR) and Effective Annual Rate (EAR)

Nominal Rate to Periodic Rate Converter

Convert annual rates to periodic rates

Discount Rate to Required Return Converter

Convert between discount and return rates

Rule of 72 Calculator

Estimate how long it takes to double your money

Doubling Time Calculator

Calculate how long it takes for your investment to double

Simple Interest Calculator

Calculate simple interest for loans and investments

CD Calculator

Calculate certificate of deposit returns and interest earnings

Net Present Value Calculator

Calculate NPV and profitability index for investment decisions

Internal Rate of Return Calculator

Calculate IRR to evaluate investment profitability and viability

Time Value of Money Calculator

Multi-mode TVM calculator for present value, future value, payment, rate, and periods

Investment Fee Drag Calculator

See how investment fees compound over time and impact your portfolio growth

Inflation, Currency, and Purchasing Power

Exchange Rate Fee Calculator

Calculate true cost of currency exchange including spread and fees

Inflation Calculator

Calculate how inflation affects purchasing power over time

Inflation-Adjusted Budget Calculator

See how inflation affects your budget over time and plan for future expenses

Cost of Living Raise Calculator

Calculate the raise percentage needed to maintain your purchasing power against inflation

Real Salary Calculator

See your true earning power by comparing your salary growth to inflation

Currency Converter

Convert between currencies with custom exchange rates

Real Rate of Return Calculator

Calculate inflation-adjusted investment returns

Investing Basics

CAGR Calculator

Calculate compound annual growth rate for investments

Average Annual Return Calculator

Calculate arithmetic and geometric (CAGR) average returns from a series of annual returns

Future Value Calculator

Calculate the future value of investments with compound interest

Present Value Calculator

Calculate the present value of future payments

PV/FV/Rate/Time Calculator

Solve for present value, future value, interest rate, or time period

Time to Reach Goal Calculator

Calculate how long it will take to reach your savings goal with regular contributions

Lump Sum vs Dollar-Cost Averaging Calculator

Compare investing strategies

Dividend Yield Calculator

Calculate dividend yield and income potential from dividend-paying investments

Dividend Growth Calculator

Project dividend growth over time and calculate your yield on cost (YOC)

Dividend Reinvestment (DRIP) Calculator

See the power of compounding by reinvesting dividends back into shares

Dividend Payout Ratio Calculator

Calculate dividend payout ratio to analyze how much earnings are distributed to shareholders

Fee Drag Calculator

See how investment fees compound over time and impact your portfolio growth

Portfolio Fee Calculator

Calculate the impact of fees on your portfolio growth

Dividend Calculator

Calculate dividend income and project portfolio growth with DRIP reinvestment

Dollar Cost Averaging Calculator

Compare DCA versus lump sum investing strategies

Investment Return Calculator

Calculate total return on investments

Stock Total Return Calculator

Calculate total return including price appreciation and dividends

Bond Yield Calculator

Calculate current yield for bonds based on price and coupon rate

Yield to Maturity Calculator

Calculate the yield to maturity (YTM) for bonds

Effective Annual Rate Calculator

Convert nominal interest rates to effective annual rates (EAR)

Portfolio Return Calculator

Calculate the weighted average return of your investment portfolio

Asset Allocation Calculator

Get suggested stock and bond allocation based on your age and risk tolerance

Portfolio

Time-Weighted Return Calculator

Calculate portfolio performance independent of cash flows using the time-weighted return method

Money-Weighted Return Calculator

Calculate your personal investment return (IRR/XIRR) accounting for cash flow timing

Volatility Calculator

Calculate standard deviation and variance to measure investment risk

Max Drawdown Calculator

Calculate the maximum peak-to-trough decline in your portfolio

Sharpe Ratio Calculator

Calculate risk-adjusted returns for your investment portfolio

Sortino Ratio Calculator

Calculate the Sortino Ratio to measure risk-adjusted returns focusing only on downside volatility

Beta Calculator

Measure your portfolio's volatility relative to a benchmark

Correlation Matrix Calculator

Analyze how your portfolio assets move relative to each other

Rolling Returns Calculator

View 1-year, 3-year, and 5-year rolling returns to understand performance consistency

Drawdown Duration Calculator

Measure how long it takes to recover from portfolio declines

Ulcer Index Calculator

Measure the depth and duration of drawdowns to understand portfolio stress

Tracking Error Calculator

Measure how closely your portfolio follows its benchmark

Information Ratio Calculator

Measure active management skill by comparing excess returns to tracking error

Alpha Calculator (Jensen's Alpha)

Calculate Jensen's Alpha to measure portfolio performance against market expectations

Standard Deviation Calculator

Calculate mean, variance, and standard deviation for a dataset

Correlation Calculator

Calculate Pearson correlation coefficient between two data series

Treynor Ratio Calculator

Calculate Treynor Ratio to measure risk-adjusted returns relative to systematic risk

Value at Risk (VaR) Calculator

Calculate parametric Value at Risk to assess potential portfolio losses

Portfolio Rebalancing Calculator

Generate rebalancing trades to align your portfolio with targets

Portfolio Drift Calculator

Analyze how your portfolio has drifted from target allocation

Tax-Aware Rebalancing Helper

Rebalance your portfolio while minimizing tax impact by selling least-gain lots first

Efficient Frontier Calculator

Visualize the optimal risk-return tradeoff for your portfolio using Modern Portfolio Theory

Risk Parity Calculator

Calculate risk parity weights for your portfolio

Minimum Variance Portfolio Calculator

Find the optimal asset allocation that minimizes portfolio risk

Correlation Stress Test Calculator

Test how rising correlations during market crises affect portfolio risk

Risk Contribution Calculator

Analyze how each asset contributes to total portfolio risk

Trading and Position Sizing

Position Sizing Calculator

Calculate optimal position size based on risk

Volatility Position Sizing Calculator

Size positions based on ATR or volatility to adapt to market conditions

Risk/Reward Ratio Calculator

Calculate risk/reward ratio for trades

Stop Loss Calculator

Calculate the stop loss price based on your risk tolerance

Capital Gains Harvesting Calculator

Optimize realized gains to take advantage of the 0% long-term capital gains bracket

Tax Loss Harvesting Helper

Identify harvestable losses and track wash sale timing

Margin Call Calculator

Calculate the price at which you would receive a margin call

Short Selling Calculator

Calculate profit/loss and ROI for short selling positions

Options and Volatility

Options Payoff Diagram Calculator

Visualize profit/loss at expiration for any options strategy

Options Breakeven Calculator

Calculate the breakeven price for options trades

Options Profit Calculator

Calculate profit/loss at expiration for calls and puts

Covered Call Calculator

Analyze covered call outcomes, returns, and annualized yields

Cash-Secured Put Calculator

Analyze cash-secured put outcomes and calculate annualized yields

Implied Move Calculator

Calculate expected move from straddle

Put-Call Parity Calculator

Check put-call parity and detect arbitrage opportunities

Options Greeks Calculator

Educational tool to explore Delta, Gamma, Theta, Vega, and Rho

Implied Volatility Calculator

Calculate implied volatility from option prices and compare to historical volatility

IV Rank / IV Percentile Calculator

Compare current implied volatility to historical levels

Options Premium Annualized Return Calculator

Convert option premium returns to annualized rates

Probability of Profit Calculator

Calculate the probability of profit for options strategies

Options Margin Requirement Calculator

Estimate margin requirements for options positions

Black-Scholes Calculator

Calculate call and put option prices using the Black-Scholes model

Put Option Calculator

Calculate breakeven, max profit, and max loss for put options

Bonds and Fixed Income

Bond Price Calculator

Calculate the fair price of a bond based on coupon, yield, and maturity

Bond Duration Calculator

Calculate Macaulay and Modified duration to measure interest rate sensitivity

Yield Curve Spread Calculator

Analyze Treasury yield spreads and curve shape

Yield-to-Worst Calculator

Calculate the minimum potential yield for callable bonds considering all call dates

Bond Ladder Calculator

Plan a bond ladder strategy with staggered maturities and reinvestment assumptions

Real Yield Calculator

Calculate inflation-adjusted investment returns

Duration Hedge Calculator

Calculate the hedge ratio needed to adjust portfolio interest rate sensitivity

GIC / CD Calculator

Calculate effective yield and growth for GICs and Certificates of Deposit

GIC / CD Ladder Calculator

Plan a CD or GIC ladder strategy with term splits and renewal calendar

Corporate Actions and Cap Tables

Stock Split Calculator

Calculate the impact of stock splits on your holdings

Rights Offering Calculator

Analyze rights offerings and exercise options

Spin-Off Cost Basis Calculator

Allocate cost basis between parent and spin-off companies using IRS-approved FMV method

Cap Table Waterfall Calculator

Model equity waterfall scenarios for startups

Option Pool Calculator

Calculate option pool size, dilution impact, and effective pre-money valuation

Dilution Calculator

Calculate ownership dilution from funding rounds, option pools, and multiple investment rounds

Business, Freelancing, and Operations

Hourly Rate to Salary Calculator

Convert hourly wages to annual salary with overtime and schedule options

Freelance Rate Calculator

Calculate your freelance hourly rate based on target income and expenses

Break-Even Point Calculator

Find your break-even point - where revenue equals costs and profit begins

Gross Margin / Markup Calculator

Calculate and convert between gross margin and markup percentages

Cash Runway Calculator

Calculate how long your cash will last based on burn rate

Working Capital Calculator

Calculate working capital and key liquidity ratios

Days Sales Outstanding (DSO) Calculator

Measure accounts receivable collection efficiency and cash flow timing

Inventory Carrying Cost Calculator

Calculate inventory holding costs

COGS Calculator

Calculate cost of goods sold and gross margin

Revenue Recognition Calculator

Generate revenue recognition schedules for contracts

Project Quote Calculator

Build project quotes with hours, rates, and margins

Client Profitability Calculator

Analyze profitability by client including labor costs, overhead allocation, and margin analysis

Payroll Burden Calculator

Calculate true cost of employees including all employer costs

Retainer Utilization Calculator

Track retainer hours usage and remaining value

Retainer Scope Creep Calculator

Analyze scope creep and financial impact on retainer contracts

Invoice Profit Calculator

Calculate profit per invoice by tracking hours, rate, and direct costs

Break-Even Calculator

Calculate the break-even point for your business or product

Hourly to Salary Calculator

Convert between hourly wages and annual salary

Margin Calculator

Calculate profit margin and markup for your products

Profit Margin Calculator

Calculate profit margin percentage from revenue and costs

Markup Calculator

Calculate selling price from cost and markup percentage

Gross Profit Calculator

Calculate gross profit and gross margin from revenue and COGS

Net Profit Calculator

Calculate net profit and net margin from revenue and all expenses

Business Loan Calculator

Calculate monthly payments and total cost for business loans

Inventory Turnover Calculator

Calculate inventory turnover ratio and days in inventory

Invoicing, Fees, and Payment Terms

Sales Tax Calculator

Add or remove sales tax (GST/HST/VAT)

Sales Tax Filing Summary Calculator

Consolidate and reconcile sales tax across multiple jurisdictions

Merchant Fee Calculator

Calculate payment processing fees for credit cards and payment processors

Bank Fee Break-Even Calculator

Should you maintain a minimum balance to avoid fees, or pay the fee and invest elsewhere?

ATM Fee Calculator

Calculate the annual cost of ATM fees and discover strategies to reduce them

Invoice Factoring Calculator

Calculate factoring fees, effective APR, and cash flow for selling invoices to a factor

Net Terms APR Calculator

Calculate the implied APR of early payment discounts and trade credit terms

Late Payment Interest Calculator

Calculate late fees and accrued interest on overdue invoices

Pay, Benefits, and Taxes

Gross Pay to Net Pay Calculator

Calculate take-home pay from gross salary including taxes and deductions

Pay Raise Calculator

Calculate raise amounts and percentages

Bonus Tax Calculator

Estimate taxes on your bonus and compare withholding methods

Overtime Pay Calculator

Calculate overtime earnings with time-and-a-half or custom multipliers

Commission Calculator

Calculate earnings from tiered commission structures

Contractor vs Employee Calculator

Compare take-home income between employment types

Payroll Frequency Converter

Convert between pay frequencies

Tax Bracket Calculator

Calculate your federal tax bracket and see how your income is taxed at each level

Canadian Marginal Tax Calculator

Calculate combined federal and provincial marginal tax rates

Capital Gains Tax Calculator

Estimate federal taxes on investment gains based on holding period and income

Tax Withholding Calculator

Compare your expected tax liability to your current withholding to avoid surprises at tax time

RRSP/401(k) Tax Refund Calculator

Calculate your tax savings from retirement account contributions

Charitable Donation Tax Credit Calculator

Calculate tax savings from charitable contributions and optimize your giving strategy

Self-Employment Quarterly Tax Calculator

Estimate quarterly tax payments for freelancers, contractors, and self-employed individuals

Vehicle Mileage Deduction Calculator

Calculate tax deductions for business, medical, and charitable driving

Home Office Deduction Calculator

Calculate your home office tax deduction using simplified or actual expense methods

Overtime Calculator

Calculate overtime earnings with time-and-a-half, double time, and tax withholding

Salary Paycheck Calculator

Estimate your take-home pay after taxes and deductions

Self-Employment Tax Calculator

Calculate self-employment taxes including Social Security and Medicare

Capital Gains Calculator

Calculate capital gains tax on investment sales

HSA Calculator

Calculate HSA tax savings and growth projections

Canadian Dividend Tax Credit Calculator

Calculate tax on eligible and non-eligible Canadian dividends

UK Income Tax Calculator

Calculate your UK income tax, National Insurance, and take-home pay for the 2024-25 tax year

UK Dividend Tax Calculator

Calculate UK dividend tax based on your dividend income and tax band for 2024-25

UK Capital Gains Tax Calculator

Calculate UK Capital Gains Tax on shares, investments, and property for the 2024-25 tax year

UK Inheritance Tax Calculator

Calculate UK Inheritance Tax (IHT) on estates including nil-rate band and residence nil-rate band allowances

UK National Insurance Calculator

Calculate UK National Insurance contributions for employees (Class 1) and self-employed (Class 2 & 4)

Australian Income Tax Calculator

Calculate your Australian income tax, Medicare levy, and take-home pay with the 2024-25 Stage 3 tax cuts

Australian CGT Calculator

Calculate Australian Capital Gains Tax on shares, property, and other assets including the 50% CGT discount

Franking Credits Calculator

Calculate Australian dividend franking credits and your tax position on franked dividends

Medicare Levy Calculator

Calculate your Medicare Levy and Medicare Levy Surcharge based on income and private health insurance status

Effective Tax Rate Calculator

Calculate your effective tax rate based on total taxes paid and taxable income

Marginal Tax Rate Calculator

Find your federal tax bracket and marginal tax rate based on your taxable income

Income Tax Calculator

Estimate your federal income tax based on income, deductions, and filing status

Dividend Tax Calculator

Calculate taxes on qualified and ordinary dividends including NIIT

Quarterly Estimated Tax Calculator

Calculate quarterly estimated tax payments for self-employed and freelance income

Payroll Tax Calculator

Calculate Social Security and Medicare (FICA) taxes for employees and employers

Alternative Minimum Tax (AMT) Calculator

Calculate whether you owe Alternative Minimum Tax and estimate the amount

Estate Tax Calculator

Estimate federal estate tax and plan for wealth transfer

Gift Tax Calculator

Calculate gift tax implications and filing requirements

Tax Loss Harvesting Calculator

Calculate potential tax savings from harvesting investment losses

Wash Sale Calculator

Determine if the wash sale rule applies and calculate adjusted cost basis

Roth Conversion Tax Calculator

Calculate the tax cost of converting a traditional IRA to a Roth IRA

Salary to Hourly Calculator

Convert your annual salary to an hourly rate

Raise Calculator

Calculate your new salary after a raise

Net Income Calculator

Calculate your take-home pay after taxes and deductions

Insurance

Insurance Deductible Calculator

Find the optimal deductible by comparing premium savings against potential costs

Life Insurance Calculator

Calculate how much life insurance coverage you need using the DIME method

Home/Renters Insurance Calculator

Calculate the value of your belongings to determine appropriate insurance coverage

Insurance Claim Payout Calculator

Estimate your insurance payout after deductibles, depreciation, and limits

Health Plan Comparison Calculator

Compare health insurance plans to find the best option based on your expected healthcare usage

Warranty vs Self-Insure Calculator

Compare extended warranty cost against expected repair costs to make an informed decision

Term Life Insurance Calculator

Estimate monthly premiums for term life insurance based on age, health, and coverage amount

Disability Insurance Calculator

Calculate disability insurance coverage amount and estimate premiums based on your income

Health Insurance Comparison Calculator

Compare health insurance plans by total annual cost across different usage scenarios

Umbrella Insurance Calculator

Calculate recommended umbrella insurance coverage based on your net worth and risk factors

Long-Term Care Calculator

Calculate long-term care insurance benefits and estimate premiums based on coverage options

Cars and Transportation

Car Affordability Calculator

Determine how much car you can afford based on your income and budget

Car Loan vs Cash Calculator

Compare financing vs paying cash for a vehicle

Lease vs Buy Calculator

Compare the true cost of leasing versus buying a vehicle

Total Cost of Ownership Calculator

Calculate the true 5-year cost of vehicle ownership including depreciation, fuel, insurance, and more

Fuel Cost Calculator

Calculate fuel cost for trips and compare costs between vehicles

EV vs Gas Calculator

Compare the total cost of ownership between electric and gas vehicles over time

Cash Back vs Low Interest Calculator

Compare rebate vs low APR offers

Car Loan Calculator

Calculate auto loan payments and costs

Car Lease Calculator

Calculate monthly car lease payments with depreciation and finance charges

Car Depreciation Calculator

Calculate how your car's value declines over time with standard or custom depreciation rates

Gas Mileage Calculator

Calculate your vehicle's fuel economy (MPG) and cost per mile

Car Total Cost Calculator

Calculate the true total cost of vehicle ownership including depreciation, financing, insurance, fuel, and maintenance

Car Insurance Calculator

Estimate auto insurance costs based on vehicle value, driver age, driving record, and coverage options

Travel Money

Travel Budget Calculator

Plan and estimate your trip expenses by category

Per Diem Calculator

Calculate per diem allowances for business travel

Foreign Exchange: Cash vs Card Calculator

Compare the true cost of exchanging currency via credit cards, cash exchange, or ATM withdrawals

Travel Points Value Calculator

Calculate the cents-per-point value of your reward redemptions to maximize value

Hotel Points vs Cash Calculator

Compare using hotel points versus paying cash and calculate cents per point value

Car Rental Insurance Calculator

Check rental insurance coverage overlap with existing policies

Crypto

Crypto Cost Basis Calculator

Calculate FIFO/LIFO/HIFO cost basis for cryptocurrency holdings

Crypto Profit and Loss Calculator

Calculate crypto P&L with fees included

Financial Statement Builders

Profit & Loss Statement Generator

Generate a P&L statement from revenue and expenses

Cash Flow Statement Builder

Build a cash flow statement from net income adjustments

Balance Sheet Ratio Calculator

Calculate balance sheet ratios for liquidity and leverage health check

Common-Size Financial Statements Calculator

Create common-size financial statements for analysis

Valuation and Ratios

PE Ratio vs PEG Ratio Calculator

Compare PE and PEG ratios with implied growth sanity check

ROE/ROA/ROIC Calculator

Calculate return ratios with DuPont analysis

Current Ratio and Quick Ratio Calculator

Calculate liquidity ratios

EV/EBITDA Calculator

Calculate Enterprise Value to EBITDA multiple for company valuation and comparison

Margin Waterfall Calculator

Visualize how revenue flows through costs to profit with waterfall analysis

Owner Earnings Calculator

Calculate Buffett-style owner earnings - the true cash available to owners

WACC Calculator

Calculate weighted average cost of capital

DCF Valuation Calculator

Perform discounted cash flow analysis with sensitivity table to estimate intrinsic value

ROI Calculator

Calculate return on investment with annualized returns and benchmark comparisons

Payback Period Calculator

Calculate investment payback period

Accounts Receivable Turnover Calculator

Calculate AR turnover ratio and days sales outstanding to measure collection efficiency

Cash Flow Calculator

Calculate net cash flow and free cash flow from operating, investing, and financing activities

Customer Lifetime Value Calculator

Calculate the total value a customer generates over their entire relationship with your business

Customer Acquisition Cost Calculator

Calculate the cost to acquire new customers and analyze CLV:CAC ratio

Depreciation Calculator

Calculate asset depreciation using straight-line, declining balance, sum-of-years, or MACRS methods

Retirement Planning

FIRE Calculator

Calculate your Financial Independence, Retire Early (FIRE) number

Retirement Savings Calculator

Plan your retirement savings and see if you're on track

RMD Calculator

Calculate your Required Minimum Distribution from retirement accounts

Social Security Calculator

Estimate your Social Security retirement benefits

CPP Retirement Calculator

Estimate Canada Pension Plan retirement benefits

OAS Calculator

Estimate Old Age Security pension and clawback

TFSA Calculator

Calculate Tax-Free Savings Account growth and contribution room

RRIF Minimum Withdrawal Calculator

Calculate required minimum RRIF withdrawals by age

RESP Calculator

Calculate RESP growth with CESG government grants

SIPP Calculator

Calculate your Self-Invested Personal Pension growth with tax relief projections

UK State Pension Calculator

Estimate your UK State Pension based on National Insurance qualifying years and planned retirement age

Superannuation Calculator

Project your Australian superannuation balance at retirement with employer contributions, salary sacrifice, and investment returns

Age Pension Calculator

Estimate your Australian Age Pension eligibility and payment amount based on the assets and income tests

Roth vs Traditional IRA Calculator

Compare Roth and Traditional IRA growth and after-tax retirement values

Roth Conversion Calculator

Calculate tax impact and projected growth of converting Traditional IRA to Roth

Safe Withdrawal Rate Calculator

Calculate sustainable withdrawal amounts and project portfolio longevity in retirement

Retirement Income Calculator

Project your retirement nest egg and calculate sustainable monthly income

Annuity Calculator

Calculate annuity payments, present value, future value, or number of periods

Pension Calculator

Calculate defined benefit pension payments based on years of service and salary

IRA Contribution Calculator

Calculate IRA contribution limits and eligibility based on age and income

Required Minimum Distribution Calculator

Calculate your RMD using the IRS Uniform Lifetime Table

Social Security Estimator

Estimate Social Security benefits at different claiming ages

Social Security Break-Even Calculator

Find the optimal age to claim Social Security benefits

Lean FIRE Calculator

Calculate years to achieve financial independence with minimal expenses

Coast FIRE Calculator

Calculate if your current savings will coast to your retirement target

Barista FIRE Calculator

Calculate when part-time work plus investments can cover your expenses

Retirement Spending Calculator

Calculate sustainable monthly spending during retirement

Annuity Payout Calculator

Estimate monthly income from an immediate annuity purchase