Finance calculators
Loan, savings, tax and salary calculators for the moment a decision has a number attached to it — what an offer really costs over its term, what a goal takes to reach, what lands in your account. Each states the assumptions it makes, because a figure without them is not comparable to the one your bank quoted.
APR CalculatorCompute the true APR of a loan including fees, plus the monthly payment and total cost.APR to APY CalculatorConvert a nominal APR into the effective APY for any compounding frequency.APY to APR CalculatorConvert an effective APY back into the nominal APR for any compounding frequency.Balloon Loan CalculatorWorks out the instalment and the balloon lump sum for a loan amortised over one term but repaid in full after a shorter one. The balloon is the true remaining principal after k payments, not the amount borrowed minus the payments made — the two differ by tens of thousands. Interest-only balloons are handled too, with the full schedule.Biweekly mortgage payment calculatorPaying half your monthly mortgage every two weeks means 26 half-payments — the equivalent of 13 monthly payments a year instead of 12. That extra payment goes straight to principal, so you finish years early and save interest. The calculator compares biweekly against standard monthly and shows the time and interest saved.Boat loan calculatorEstimate the monthly payment on a boat loan from the purchase price, down payment, trade-in, sales tax and APR. It works out the amount financed, the monthly payment, the total interest over the term and the total cost, so you can size a marine loan before you sign.
529 College Savings CalculatorProject a 529 balance to college and compare it with the inflated cost, with the monthly needed to fully fund.Acid-Test (Quick) Ratio CalculatorAdd cash, securities and receivables, divide by current liabilities, and see exactly what excluding inventory and prepaid expenses costs the ratio.Actual cash value calculatorEstimate an item's actual cash value (ACV) — its depreciated worth for an insurance claim. Enter the replacement cost, age and expected lifespan, choose straight-line or declining-balance depreciation, and it returns the current value, the total depreciation and the percentage of life used.Alimony / Spousal Support CalculatorRuns three published US guideline formulas side by side — the AAML 2007 guideline, the New York statutory maintenance formula and the Massachusetts Alimony Reform Act — so the spread between them is visible. Models the duration limits and the 2017 Tax Cuts and Jobs Act split: agreements executed after 31 December 2018 are no longer deductible to the payer nor taxable to the recipient.APY calculatorConvert a nominal interest rate into annual percentage yield (APY) with compounding.Budget Calculator (50/30/20)Split your monthly income into needs, wants and savings using the 50/30/20 rule.
CAGR calculatorCompute the compound annual growth rate between a start and end value.Capital Gains CalculatorEstimate the taxable gain and tax due on the sale of an asset.Capital Gains Yield CalculatorCompute the capital gains yield from the purchase and current price, with dividend yield, total return and the annualised equivalent.Cost of equity calculator (CAPM & DDM)The return shareholders expect, by both standard models. CAPM: Rf + β·(Rm − Rf), the risk-based approach. DDM (Gordon growth): D₁/P₀ + g, for dividend-paying stocks. Enter the inputs and it returns each estimate side by side — a key ingredient of the WACC.Break-even price calculatorFees on both sides mean you don't break even at your buy price — you break even a little above it. Enter the buy price and the buy/sell fees and get the exact sell price that gets you back to zero, plus the minimum gain that price represents.Crypto DCA calculatorDollar-cost averaging: enter your fixed buy amount and the prices you bought at, and get coins accumulated, true average cost, current value and profit/loss. Break-even is your average cost — you are ahead the moment price passes it.
Tax & VAT (4)
Crypto tax calculatorCapital gain on a crypto sale: proceeds minus cost basis, the tax at your rate, and what you keep. Enter the rate that applies where you live (many countries tax long-held crypto differently). It shows your effective rate on the whole sale so the real bite is obvious.Income tax calculatorEstimate French income tax from taxable income and household parts.Tax-equivalent yield calculatorCompare a tax-free yield with a taxable one by computing its tax-equivalent yield.VAT calculatorAdd or remove VAT from a price at any rate.
Salary & payroll (5)
Hourly to salary calculatorConvert an hourly wage into a monthly and annual salary.Net worth calculatorWork out your net worth by subtracting liabilities from assets.Paycheck by pay frequency calculatorBreak a gross annual salary into weekly, biweekly, semi-monthly and monthly pay.Gross/net salary calculatorEstimate net pay from gross across many countries (FR, DE, ES, IT, PT, BE, NL, UK, US, Switzerland, Mexico) — pick yours.Salary raise calculatorSee your new salary and the amount of the increase after a percentage raise.
Annuity Payout CalculatorSolves any of the three questions a pot of capital raises: how long it lasts at a given withdrawal, how much you can withdraw for a chosen number of years, or how much principal a target income needs. Prints the full depletion schedule and restates every figure in today's money at your inflation rate.401(k) employer match calculatorCompute your employer's 401(k) match and your total yearly contribution.FIRE calculator (financial independence)Your FIRE number is the pot that funds your spending forever at a safe withdrawal rate — annual expenses ÷ SWR (4% → 25×). From your savings, income and expected return it estimates the years, and age, at which you reach it.FIRE number calculatorFind the savings target for financial independence from your annual expenses.Fixed Indexed Annuity (FIA) CalculatorRuns a real index path through the crediting filter in the order the contract applies it — index return × participation rate, then the cap, then the floor — and shows what each stage removed, year by year, beside a plain fixed annuity. Historical S&P 500 paths included; the filter lab traces one sample year through all four stages.Immediate Annuity CalculatorThe payment that exhausts a lump sum exactly over a chosen number of years: PMT = P·r / [1 − (1+r)⁻ⁿ]. Monthly, quarterly or annual, payment at the end or at the start of the period, with the year-by-year balance table and the split between capital returned and interest earned.