Financial & Utility Calculators
A complete suite of 100+ professional-grade tools designed to help you make smarter decisions. Browse our categories below.
Personal Finance
50/30/20 Budget
See how much of your take-home pay can go to needs, wants, and savings using the simple 50/30/20 split
Emergency Fund
Figure out a realistic cash cushion for unexpected bills based on your monthly spending
Net Worth
Add up what you own and subtract what you owe to see where you stand financially
Cost of Living Adjust
Compare what your current salary would need to be in another city to keep the same lifestyle
Discretionary Income
Find out how much money is left each month after taxes and must-pay bills
Sinking Fund
Plan monthly set-asides so a future expense does not wipe out your checking account
Latte Factor
See what small daily purchases can add up to over a year or longer
Family Budget
Build a household spending plan that covers everyone under one roof
Subscription Cost
Total the yearly cost of all those monthly streaming and app subscriptions
Healthcare Cost
Estimate what you might pay out of pocket for care this year
Envelope Budget
Divide cash into spending categories so each category has a clear limit
Investment & Trading
ROI Calculator
Measure how much gain or loss an investment produced relative to what you put in
CAGR Calculator
Find the steady yearly growth rate of an investment over multiple years
Dividend Yield
See what percentage of the share price you earn from annual dividends
Rule of 72
Quickly estimate how many years it may take for money to roughly double at a given rate
Capital Gains
Calculate the profit (or loss) when you sell an investment or property
Real Return
Adjust your investment return for inflation so you see the true purchasing-power gain
APY Calculator
Convert a stated interest rate into the effective yearly yield with compounding
Stock Average Price
Find your average cost per share after buying the same stock more than once
Mutual Fund Return
Estimate how a mutual fund investment might grow over time
Bond Yield
See the income yield on a bond based on its price and coupon
SIP Calculator
Project the future value of regular monthly investments into a fund or portfolio
Lumpsum Return
Estimate what a one-time investment could be worth after several years
Options Profit
Calculate profit or loss on a basic options trade after fees
Crypto ROI
Measure return on a crypto buy after accounting for purchase and sale prices
Asset Allocation
Get a simple stocks-versus-bonds mix based on age or risk comfort
Loans & Mortgages
EMI Calculator
Estimate the fixed monthly payment on a loan for a given amount, rate, and term
Loan Payoff Time
See how long it takes to clear a loan balance with a fixed monthly payment
Simple Interest
Calculate interest earned or owed when interest is not compounded
Compound Interest
See how balances grow when interest is added to the principal over time
Amortization
Break down each payment into interest and principal for the first months of a loan
Refinance Savings
Compare your current loan payment with a new rate and estimate monthly savings
Auto Loan
Estimate a typical car loan payment from price, down payment, rate, and term
Student Loan
Project a monthly student loan payment under standard repayment assumptions
Personal Loan
Estimate monthly payments on an unsecured personal loan
Debt Consolidation
Consolidate multiple loans
Interest Only
Monthly payment for IO loan
Loan Overpayment
Time saved by overpaying
Loan APR
Estimate real cost including fees
Guarantor Loan
High rate guarantor loan
Balloon Payment
Remaining balance after term
Real Estate
Mortgage
Calculate a basic home loan payment from loan amount, rate, and term
Down Payment
Plan how much cash you need upfront and how it affects the loan size
Home Affordability
Based on 28% rule
Rental Yield
Gross Rental Yield
Property Tax
Estimate annual property tax from home value and local tax rate
Stamp Duty
Est. stamp duty (flat %)
House Appreciation
Future value of property
Property ROI
Return on cash invested
Cap Rate
Capitalization Rate
LTV Ratio
Loan to Value Ratio
Closing Costs
Estimate closing costs (3%)
Tax & Salary
Flat Income Tax
Rough estimate of income tax on taxable income using simple brackets
Sales Tax
Calculate sales tax on a purchase and the total amount due
VAT Calculator
Add or remove sales tax (VAT/GST style) from a price
GST Add/Remove
Calculate GST
Salary to Hourly
Convert annual to hourly
Hourly to Salary
Convert hourly to annual
Effective Tax Rate
Simple progressive bracket est
Take Home Pay
Gross minus deductions
CGT Calc
Rough estimate of tax on investment gains under basic assumptions
Self Employed Tax
Estimate self-employment tax on net business income
Salary Increment Impact
See how a salary hike changes your annual and monthly pay, and what the raise is really worth after inflation
Business Finance
Break Even
Estimate units or revenue needed to cover fixed and variable costs
Gross Margin
Calculate gross profit margin from revenue and cost of goods
Net Margin
Calculate net profit margin after all expenses
Operating Margin
Measure operating profit as a share of revenue
Markup Calc
Turn cost into selling price using a markup percentage
Burn Rate
See how quickly a business is spending its cash each month
Cash Runway
Estimate how many months of cash remain at the current burn rate
CAC
Calculate average cost to acquire one customer
LTV
Estimate lifetime value of a customer from margin and retention
EBITDA
Compute earnings before interest, taxes, depreciation, and amortization
Free Cash Flow
Estimate free cash flow from operating cash and capital spending
Working Capital
Measure short-term liquidity as current assets minus current liabilities
Inventory Turnover
See how often inventory is sold and replaced over a period
Quick Ratio
Check short-term liquidity excluding inventory
Current Ratio
Compare current assets to current liabilities for a basic solvency check
Retirement
Retirement Corpus
Estimate the nest egg needed to support a target retirement income
401k Growth
Project 401(k) balance growth from contributions and expected returns
Pension Payout
Estimate a simple defined-benefit pension payout
FIRE Number
Calculate a rough Financial Independence number from annual spending
Est. SS Benefit
Rough estimate of Social Security benefits under simplified assumptions
RMD Calculator
Estimate a required minimum distribution from retirement account balance and age
Retirement Savings
See how much to save each month to reach a retirement goal
Post-Retirement Income
Estimate sustainable income from a retirement portfolio
Annuity Value
Find the present value of a stream of future annuity payments
Inflation Adjusted
Show what a future amount is worth in today’s dollars
Banking & Savings
Savings Goal
Estimate time needed to reach a savings target with regular deposits
CD Ladder Avg Yield
Average the yield across a simple ladder of certificates of deposit
Money Market Return
Estimate simple interest on a money market style balance
Overdraft Fee Calc
Add up the cost of an overdraft including fees and interest
Cheque Bounce Penalty
Estimate fees and interest tied to a returned check
Rate Converter
Convert between monthly and annual interest rate formats
Compounding Effect
Compare growth when interest compounds yearly versus more often
Time Deposit
Estimate maturity value of a fixed-term deposit
Credit Card & Debt
CC Payoff Time
See how long it takes to pay off a credit card balance at a fixed payment
Minimum Payment
Estimate a typical minimum payment as a percentage of the balance
CC Interest Charge
Calculate monthly interest charged on a revolving credit card balance
DTI Ratio
Measure monthly debt payments against gross income (debt-to-income ratio)
Credit Utilization
See what share of available credit is currently in use
Balance Transfer
Compare transfer fees against interest savings on a card balance move