Savings & budgeting
Compound interest, regular contributions and the horizon needed to reach a target amount. 34 tools, including 529 College Savings Calculator, Acid-Test (Quick) Ratio Calculator, Actual cash value calculator and Alimony / Spousal Support Calculator. All free, with no account and nothing to install.
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.CD Ladder CalculatorSplit a total across staggered-maturity CDs at their own APYs, with each rung's value and the blended APY.Certificate of Deposit (CD) CalculatorSee what a CD really pays: APR vs APY made explicit, after-tax return from your marginal rate, and the cost of an early-withdrawal penalty in months of interest.Child Support Calculator (Income Shares Model)Applies the income-shares model — the framework used by most US states — using the published Michigan Child Support Formula 2025 schedule. Shows the combined obligation, each parent's share of it, the parenting-time offset and the child-care, health-premium and extraordinary-medical add-ons, line by line.College Cost CalculatorProjects tuition, housing and food, and books and other costs forward year by year at a cost-inflation rate you set, from the year the student starts through to graduation. Shows the year-by-year table, the first-year and final-year costs and the total, in your currency.Compound growth calculatorGrow an initial value at a steady compound rate over a number of periods: final value, total gain and the overall percentage growth. Periods can be years, months or anything consistent.Compound interest calculatorSee how your money grows with compound interest and contributions.Continuous compounding calculatorCompounding at every instant instead of yearly: FV = P·eʳᵗ. It gives the future value, the interest earned and the effective annual yield — the ceiling that ordinary compounding approaches as it compounds more often.Cost of Living CalculatorFind the equivalent salary you'd need in another city using cost-of-living indexes.Cost of Raising a Child CalculatorBuilds on the USDA Expenditures on Children by Families tables (2015 data, the last edition published), restated in today's money and projected forward at your inflation rate. Applies the economies of scale the source measured — an only child costs 27% more, a third child 24% less — and optionally adds four years of college.Depreciation calculator (SL / DDB / SYD)First-year depreciation and the book value it leaves, by any of the three standard methods: straight-line, double-declining-balance and sum-of-years'-digits. Enter cost, salvage value and useful life.Emergency fund calculatorFind out how large an emergency fund you need from your monthly expenses.Equity Ratio CalculatorEquity divided by total assets, with the complementary debt ratio, the equity multiplier and a clear reading when equity is negative.Fixed Deposit (FD) CalculatorWork out the maturity value of a fixed deposit with any compounding — simple, annual, quarterly, monthly, daily or continuous — plus the effective annual yield.Goodwill to Assets Ratio CalculatorMeasure how much of the balance sheet is goodwill, against equity and tangible book value, and see what a full impairment would destroy.Inflation calculatorSee how inflation changes the value of money over a number of years.Interest Rate CalculatorFind the interest rate of a loan from its amount, term and monthly payment.Life Insurance Calculator (DIME)Estimate the life insurance coverage you may need using the DIME method (Debt, Income, Mortgage, Education).Nominal Interest Rate CalculatorWork back from an effective rate (APY/EAR) to the stated nominal rate.Percent Growth Rate CalculatorCompute the total change, simple annual growth and CAGR between two values.RD calculator (recurring deposit)The maturity value of a recurring deposit — a fixed amount paid in every month that earns compound interest. Enter the monthly deposit, the annual rate, the compounding (quarterly is the bank standard) and the tenure; it returns the maturity amount, the total you paid in and the interest earned.Retention Ratio (Plowback) CalculatorThe share of profit kept in the business, the payout ratio as its exact complement, and the sustainable growth rate g = ROE × retention.Savings calculatorProject your savings from monthly deposits and an interest rate.Savings Goal CalculatorFind out how long it takes to reach a savings goal with regular contributions.Savings rate calculatorCompute what share of your income you save each month.Simple interest calculatorCompute simple interest and the final amount from principal, rate and time.Time to reach a savings goal calculatorFind how long it takes to reach a savings goal from a fixed monthly contribution.Will asset distribution calculatorEstimate how an estate is shared out and what each heir actually receives after duty. Pick the country whose succession law applies: allowances and rate bands differ enormously by relationship, and forced-heirship rules limit what a will can do.Zakat calculatorWork out the Zakat due on your wealth — the 2.5% annual almsgiving in Islam. Add your zakatable assets (cash, gold, silver, business stock, investments, money owed to you), subtract immediate debts, and if the net exceeds the nisab threshold it shows the Zakat payable.