Finance
Tools for financial management and investing.
Risk-Adjusted Portfolio Calculator
Compare portfolio return with volatility, beta, benchmark return, Sharpe ratio, Treynor ratio, and alpha.
Call Option Break-Even Calculator
Estimate call option premium cost, break-even price, intrinsic value, and possible return at a planned exit price.
Bond Duration and Convexity Calculator
Estimate bond price, Macaulay duration, modified duration, and convexity from coupon, yield, maturity, and payment frequency.
Mortgage Stress Test Calculator
Test a mortgage payment against a higher interest rate and compare the stressed housing ratio and debt-to-income ratio.
Real Return After Tax Calculator
Convert nominal investment return into after-tax, after-fee, inflation-adjusted annual return and long-term purchasing-power growth.
Cash Conversion Cycle Calculator
Estimate cash conversion cycle, cash tied in operations, carrying cost, and days of revenue locked in working capital.
EBITDA Debt Service Coverage Calculator
Calculate debt service coverage after maintenance capex and cash taxes, including covenant cushion and cash reserve months.
Dividend Discount Model Calculator
Estimate Gordon-growth intrinsic value, dividend yield, margin of safety, and future value from dividend growth assumptions.
Parametric Value at Risk Calculator
Estimate portfolio value at risk from value, expected return, volatility, confidence z-score, and time horizon.
Commercial Rent Indexation Calculator
Forecast indexed rent, present value, vacancy impact, effective monthly rent, and fit-out payback for a commercial lease.
Rental Property Cash Flow Calculator
Rental Property Cash Flow Calculator models income, recurring costs, debt service, vacancy, reserves, and yield for a more realistic cash-flow view.
Commercial Lease Yield Calculator
Commercial Lease Yield Calculator models income, recurring costs, debt service, vacancy, reserves, and yield for a more realistic cash-flow view.
Equipment Lease ROI Calculator
Equipment Lease ROI Calculator models income, recurring costs, debt service, vacancy, reserves, and yield for a more realistic cash-flow view.
Real Estate Vacancy Stress Calculator
Real Estate Vacancy Stress Calculator models income, recurring costs, debt service, vacancy, reserves, and yield for a more realistic cash-flow view.
Debt Snowball vs Avalanche Calculator
Debt Snowball vs Avalanche Calculator compares payoff speed, interest, fees, and extra-payment impact using an amortization-style simulation.
Loan Comparison Calculator
Loan Comparison Calculator compares payoff speed, interest, fees, and extra-payment impact using an amortization-style simulation.
Credit Card Interest Stress Calculator
Credit Card Interest Stress Calculator compares payoff speed, interest, fees, and extra-payment impact using an amortization-style simulation.
Student Loan Extra Payment Calculator
Student Loan Extra Payment Calculator compares payoff speed, interest, fees, and extra-payment impact using an amortization-style simulation.
Capital Gains Tax Scenario Calculator
Capital Gains Tax Scenario Calculator projects growth after contributions, fees, and taxes so long-term drag is visible.
Portfolio Fee Drag Calculator
Portfolio Fee Drag Calculator projects growth after contributions, fees, and taxes so long-term drag is visible.
Dividend Reinvestment Calculator
Dividend Reinvestment Calculator projects growth after contributions, fees, and taxes so long-term drag is visible.
Tax-Equivalent Yield Calculator
Tax-Equivalent Yield Calculator projects growth after contributions, fees, and taxes so long-term drag is visible.
FIRE Number Calculator
FIRE Number Calculator compares target capital with projected savings under return, contribution, and withdrawal assumptions.
Safe Withdrawal Calculator
Safe Withdrawal Calculator compares target capital with projected savings under return, contribution, and withdrawal assumptions.
Pension Lump Sum Calculator
Pension Lump Sum Calculator compares target capital with projected savings under return, contribution, and withdrawal assumptions.
College Savings Projection Calculator
College Savings Projection Calculator compares target capital with projected savings under return, contribution, and withdrawal assumptions.
SaaS MRR Forecast Calculator
SaaS MRR Forecast Calculator turns revenue, margin, expenses, growth, and risk into profit and valuation indicators.
Customer Lifetime Value Calculator
Customer Lifetime Value Calculator turns revenue, margin, expenses, growth, and risk into profit and valuation indicators.
Business Valuation Calculator
Business Valuation Calculator turns revenue, margin, expenses, growth, and risk into profit and valuation indicators.
Churn Impact Calculator
Churn Impact Calculator turns revenue, margin, expenses, growth, and risk into profit and valuation indicators.
Bond Yield Calculator
Estimate coupon income, current yield, and approximate yield to maturity for a bond.
Annuity Payout Calculator
Calculate a level withdrawal from a balance over a fixed period with investment return.
Advanced Compound Interest Calculator
Project savings with principal, monthly deposits, return, years, and compounding frequency.
Investment Fee Impact Calculator
Compare portfolio growth before and after annual fund or advisory fees.
Cash Flow NPV Calculator
Estimate net present value, profitability index, and discounted payback for a growing cash flow.
Effective Annual Rate Calculator
Convert nominal interest and compounding frequency into an effective annual rate.
Lease Payment Calculator
Estimate a lease payment from asset price, residual value, money factor, term, and down payment.
Inventory Carrying Cost Calculator
Estimate annual carrying cost from capital, storage, insurance, tax, and shrinkage assumptions.
Working Capital Calculator
Measure working capital, current ratio, and quick ratio from balance-sheet inputs.
Currency Hedge Calculator
Compare hedged and unhedged domestic value for a future foreign-currency cash flow.
APR Calculator
Estimate annual percentage rate from loan amount, finance charges, and term.
Auto Loan Calculator
Calculate car loan payments after down payment, trade-in value, interest, and term.
Mortgage Payoff Calculator
See how extra monthly payments can shorten a mortgage and reduce interest.
House Affordability Calculator
Estimate an affordable home price from income, debts, down payment, rate, and term.
Refinance Break-Even Calculator
Calculate how many months it takes for refinancing savings to cover closing costs.
Retirement Savings Calculator
Project retirement savings from current balance, monthly deposits, return, and years.
Inflation Calculator
Estimate future prices and purchasing power after annual inflation.
Emergency Fund Calculator
Calculate how many months your savings cover and how much more you need.
Credit Card Payoff Calculator
Estimate payoff time and interest for a credit card balance with fixed monthly payments.
Net Income Calculator
Convert gross income to estimated net income after taxes and deductions.
Commission Calculator
Calculate commission, base pay, and total pay from sales and commission rate.
Markup Calculator
Find markup, margin, and profit from item cost and selling price.
Rule of 72 Calculator
Estimate doubling time for savings or prices from an annual growth rate.
Sinking Fund Calculator
Calculate the monthly deposit needed to reach a future savings target.
ROI Calculator
Calculate return on investment from initial cost, final value, and extra expenses.
Profit Margin Calculator
Work out gross profit, margin, markup, and cost ratio from revenue and cost.
Break-Even Calculator
Find the sales volume and revenue needed to cover fixed and variable costs.
Discount Calculator
Calculate sale price, savings, and effective discount when one or two discounts apply.
Sales Tax Calculator
Add sales tax to a pre-tax amount and see the tax amount and final total.
Hourly to Salary Calculator
Convert an hourly wage into annual and monthly gross and estimated net pay.
Rent Affordability Calculator
Compare rent and utilities with monthly income and a target housing-cost ratio.
Debt-to-Income Calculator
Estimate your debt-to-income ratio with current debts and a proposed new payment.
Pay Raise Calculator
Calculate a salary increase, new annual pay, monthly difference, and first-year compensation.
Straight-Line Depreciation Calculator
Calculate annual depreciation, accumulated depreciation, and book value for an asset.
Compound Interest Calculator
Calculate the future value of your investment with compound interest.
Loan Calculator
Calculate monthly payments, total costs, and loan amortization schedule.
Mortgage Calculator
Calculate mortgage payments with payment holidays, interest rate comparisons, and detailed amortization schedules.
Fuel Cost Calculator – Trip Consumption & Price
Estimate fuel use, euro cost per trip, unit cost per km, and annual impact for repeating the same route.
Late Payment Interest Calculator
Calculate late payment interest and total amount for overdue payments.
Finnish VAT calculator – calculating value-added tax
With the VAT calculator, you can calculate the amount of value-added tax and the price including/excluding VAT at the selected tax rate.
Savings Goal Calculator
Calculate how much you need to save monthly to reach your savings goal.