Finance

Simple and compound interest, annuities, CAGR and inflation.

• Annuity Calculator Future value and present value of a series of equal payments.
• CAGR Calculator Compound annual growth rate between two values, with the average annual return next to it.
• Compound Interest Calculator How savings grow with compound interest and regular deposits, year by year.
• Continuous Compounding Calculator Growth under continuous compounding, compared with monthly and yearly compounding.
• Dollar-Cost Averaging Calculator Average purchase price when investing a fixed amount at different prices, against the simple average price.
• Effective Annual Rate Calculator (APR to APY) Converts a nominal rate or APR into the effective annual rate or APY, by compounding frequency.
• Future Value Calculator What a sum today will be worth in the future at a given rate of return.
• Inflation Calculator What prices and purchasing power become over time at an inflation rate you choose.
• Lump Sum vs Periodic Investing Calculator Investing all at once against spreading it over several months, at a return you assume.
• Perpetuity Calculator The present value of a payment that continues forever, with optional growth.
• Present Value Calculator What a future sum is worth today at a given discount rate.
• Real Return Calculator Investment return after inflation, using the exact Fisher formula.
• Rule of 72 Calculator How long money takes to double at a given rate, by the rule of 72 and exactly — or the rate needed to double in a given time.
• Simple Interest Calculator Simple interest and the total owed or earned, from the principal, rate and time.

Payments, amortisation, overpayments, refinancing and paying off debt.

• Amortisation Calculator A year-by-year amortisation schedule, and the balance, principal and interest paid at any point in the loan.
• Balloon Payment Calculator The monthly payment and final balloon on a loan with a shorter term than its amortisation.
• Biweekly vs Monthly Payment Calculator How much paying half your monthly payment every two weeks saves.
• Car Lease Payment Calculator Monthly lease payment from the price, residual value, money factor or APR, and term.
• Car Loan Calculator Monthly car payment from the price, deposit, trade-in, sales tax, rate and term.
• Credit Card Payoff Calculator How long a card takes to clear at the minimum payment against a fixed payment, and the interest each way.
• Debt Snowball vs Avalanche Calculator Compares paying off the smallest debt first with paying off the highest rate first.
• Debt-to-Income Ratio Calculator Front-end and back-end debt-to-income ratios from your monthly income and debts.
• Down Payment Calculator The deposit for a home, the resulting loan, and how long it will take to save.
• EMI Calculator Equated monthly instalment, total interest and total payment for a home, car or personal loan.
• Fixed vs Adjustable Mortgage Calculator A fixed rate against a low introductory rate that then resets to a rate you assume.
• Interest-Only Loan Calculator Payments during and after an interest-only period, and what it adds to total interest.
• Loan Calculator Monthly payment, total interest and a year-by-year schedule for any fixed-rate loan.
• Loan Comparison Calculator Two loan offers side by side: payment, total interest, fees and which costs less overall.
• Loan Extra Payment and Payoff Calculator How much interest and time extra payments save, and your new payoff time.
• Loan-to-Value (LTV) Calculator Loan-to-value ratio, your equity, and how much to pay down to reach a target LTV.
• Mortgage Calculator Monthly mortgage payment with property tax and insurance, total interest and loan-to-value.
• Mortgage Overpayment and Payoff Calculator How monthly or lump-sum overpayments shorten a mortgage and cut the interest.
• Refinance Break-Even Calculator Monthly saving, break-even time and lifetime cost of refinancing a loan.
• Student Loan Calculator Monthly payment and total interest on a student loan at a fixed rate.

Savings goals, retirement, withdrawal rates and FIRE.

• Coast FIRE Calculator How much you need invested now so that growth alone reaches your retirement target.
• Emergency Fund Calculator Your emergency fund target from monthly essentials, and how long it will take to build.
• FIRE Calculator Your financial independence number, lean and fat FIRE targets, and years to get there.
• Net Worth Calculator Add up what you own and what you owe to get your net worth.
• Retirement Calculator How large a retirement pot you need for your spending, and the monthly saving to get there.
• Retirement Withdrawal Calculator (4% Rule) What a withdrawal rate gives you each year and how long the money lasts at a steady return.
• Savings Goal Calculator How much to save each month to reach a target by a given date.
• Sinking Fund Calculator How much to set aside each month for a known future cost.

ROI, NPV, IRR, bonds, dividends and position sizing.

• Bond Price Calculator The fair price of a bond from its coupon, yield to maturity and term, with current yield.
• Bond Yield to Maturity Calculator Yield to maturity and current yield from a bond’s price, coupon and term.
• Break-Even and Margin of Safety Calculator Units and revenue needed to break even, and how far your sales are above it.
• Dividend Reinvestment (DRIP) Calculator How reinvesting dividends compares with taking them as cash over time.
• Dividend Yield Calculator Dividend yield and yearly income from a share price and dividend.
• IRR Calculator Internal rate of return from an investment and its cash flows.
• Kelly Criterion Calculator The Kelly fraction of capital to stake, from your win probability and payoff ratio.
• NPV Calculator Net present value and profitability index of an investment from its cash flows.
• Payback Period Calculator How long an investment takes to pay for itself, simple and discounted.
• Position Size Calculator How many shares to buy so that a stop-loss costs a set share of your account.
• Risk-Reward Ratio Calculator Risk-reward ratio of a trade and the win rate it needs to break even.
• ROI Calculator Return on investment and annualised ROI from what you put in and got back.
• Stock Average and Cost Basis Calculator Average purchase price across several buys, with gain or loss at the current price.

Cap rate, rental yield, cash flow and flipping.

• 70 Percent Rule Calculator The most to pay for a flip under the 70 percent rule.
• Cap Rate Calculator Capitalisation rate and net operating income of a rental property.
• Cash-on-Cash and Real Estate ROI Calculator Cash-on-cash return on a financed rental property, and total ROI including sale.
• Price-to-Rent Ratio Calculator The price-to-rent ratio for a home, a rough first check on renting or buying.
• Property Appreciation Calculator Future value of a property at a rate you assume, or the rate between two prices.
• Rental Cash Flow Calculator Monthly cash flow from a rental after vacancy, mortgage, management and running costs.
• Rental Yield Calculator Gross and net rental yield from the price, rent and yearly costs.

Tips, discounts, unit prices and budgets.

• 50/30/20 Budget Calculator Splits your take-home pay into needs, wants and savings.
• Discount Calculator Sale price, amount saved, double discounts, and the original price or percentage off.
• Tip Calculator The tip, the total and each person’s share of the bill.
• Unit Price Comparison Calculator Which of two pack sizes is better value, by price per unit.