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
Split income into 50% needs, 30% wants, 20% savings
Emergency Fund
Target emergency fund
Net Worth
Assets minus Liabilities
Cost of Living Adjust
Adjust salary for new city
Discretionary Income
Income left after taxes and essentials
Sinking Fund
Save for a specific goal
Latte Factor
Cost of small daily expenses over time
Family Budget
Total household budget
Subscription Cost
Annual cost of subscriptions
Healthcare Cost
Estimate out of pocket
Envelope Budget
Cash envelope system allocation
Investment & Trading
ROI Calculator
Return on Investment
CAGR Calculator
Compound Annual Growth Rate
Dividend Yield
Annual dividend per share / Price per share
Rule of 72
Years to double investment
Capital Gains
Profit from sale of asset
Real Return
Inflation adjusted return
APY Calculator
Annual Percentage Yield
Stock Average Price
Average price of multiple buys
Mutual Fund Return
Estimated MF returns
Bond Yield
Current Yield of a Bond
SIP Calculator
Systematic Investment Plan
Lumpsum Return
One time investment return
Options Profit
Profit on option trade
Crypto ROI
Crypto return calculator
Asset Allocation
Stocks vs Bonds rule of thumb
Loans & Mortgages
EMI Calculator
Equated Monthly Installment
Loan Payoff Time
Months to payoff loan
Simple Interest
PRT/100
Compound Interest
A=P(1+r/n)^nt
Amortization
First month interest vs principal
Refinance Savings
Calculate monthly savings
Auto Loan
Car payment
Student Loan
Monthly payment
Personal Loan
Unsecured loan payment
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
Standard Mortgage
Down Payment
Percentage to absolute
Rent vs Buy
Basic monthly cost comparison
Home Affordability
Based on 28% rule
Rental Yield
Gross Rental Yield
Property Tax
Annual property tax
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
Simple flat tax calculation
Sales Tax
Add tax to price
VAT Calculator
Extract VAT from gross 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
Capital Gains Tax (15%)
Self Employed Tax
SE Tax (15.3%)
Business Finance
Break Even
Units to break even
Gross Margin
Gross Profit Margin
Net Margin
Net Profit Margin
Operating Margin
Operating Profit Margin
Markup Calc
Cost to Price Markup
Burn Rate
Monthly Cash Burn
Cash Runway
Months until cash runs out
CAC
Customer Acquisition Cost
LTV
Customer Lifetime Value
EBITDA
Earnings before interest, taxes, etc.
Free Cash Flow
Operating cash minus CapEx
Working Capital
Current Assets - Current Liabs
Inventory Turnover
COGS / Average Inventory
Quick Ratio
(Assets-Inventory)/Liabs
Current Ratio
Assets / Liabs
Retirement
Retirement Corpus
Find required retirement fund
401k Growth
Estimate 401k balance
Pension Payout
Simple defined benefit
FIRE Number
Financial Independence Retire Early
Est. SS Benefit
Rough SS estimate
RMD Calculator
Required Minimum Distribution
Retirement Savings
Monthly savings needed
Post-Retirement Income
Income from corpus
Annuity Value
Present value of annuity
Inflation Adjusted
Value in today dollars
Banking & Savings
Savings Goal
Time to reach goal
CD Ladder Avg Yield
Average yield of 3 CDs
Money Market Return
Simple interest
Overdraft Fee Calc
Total cost of overdraft
Cheque Bounce Penalty
Penalty interest
Rate Converter
Monthly to Annual
Compounding Effect
Diff between Annual/Daily
Time Deposit
Maturity Value
Credit Card & Debt
CC Payoff Time
Months to zero balance
Minimum Payment
Usually 2% of balance
CC Interest Charge
Monthly interest
DTI Ratio
Debt to Income Ratio
Credit Utilization
Used vs Available
Balance Transfer
Transfer fee vs Interest