All 150+ Financial Calculators
Search and filter across our complete collection of 150 client-side financial engines.
US Fixed Mortgage Calculator
30-year & 15-year fixed mortgage with property taxes, home insurance, and PMI breakdown.
UK Repayment & Stamp Duty (SDLT) Calculator
UK standard capital repayment & interest-only mortgage with Stamp Duty Land Tax (SDLT) tiers.
ARM Adjustable Rate Mortgage Calculator
5/1 and 7/1 ARM rate adjustment simulator with interest rate reset caps.
PMI Removal & 80% LTV Date Calculator
Calculates exact date loan-to-value drops to 80% and 78% for automatic PMI cancellation.
Mortgage Payoff Accelerator
Extra monthly, yearly, or lump-sum principal payments payoff booster.
Bi-Weekly Mortgage Savings Calculator
Bi-weekly vs monthly payment 13th-payment annual savings simulator.
Mortgage Refinance Break-Even Calculator
Calculates months to break even on closing costs with lower interest rate.
Rent vs Buy 30-Year Net Worth Calculator
30-year net worth comparison of homeownership vs renting and investing the difference.
Maximum Home Affordability Calculator
Front-end (28%) and back-end (36%-43%) DTI maximum purchase price.
Amortization Schedule Exporter
Full year-by-year & month-by-month principal/interest schedule with Excel (.xlsx) export.
FHA Loan & Upfront MIP Calculator
FHA loan with 3.5% down, 1.75% Upfront MIP, and 0.55% Annual MIP.
VA Home Loan & Funding Fee Calculator
0% down VA loan with tiered VA Funding Fee percentage estimator.
Reverse Mortgage (HECM) Calculator
Home Equity Conversion Mortgage (HECM) principal limit & line of credit payout.
HELOC Draw & Repayment Calculator
Home Equity Line of Credit draw period interest-only vs 20-year repayment phase.
Mortgage Discount Points Calculator
Discount points cost vs monthly interest rate savings breakeven.
Jumbo Mortgage Loan Calculator
Non-conforming jumbo mortgage interest and down-payment estimator.
Interest-Only Mortgage Calculator
Interest-only initial period vs full amortization balloon payment.
Property Tax & Escrow Estimator
Assessed home value × millage rate annual and monthly tax escrow.
Homeowners Insurance Premium Estimator
Estimated annual hazard and disaster insurance by home replacement value.
True Mortgage APR Calculator
True Annual Percentage Rate factoring lender fees, points, and closing costs.
80-10-10 Piggyback Second Mortgage
Piggyback 80-10-10 loan structure eliminating private mortgage insurance.
Down Payment Savings Goal Planner
Monthly savings required to reach 5%, 10%, or 20% down payment target.
Mortgage Recast Savings Calculator
Re-amortization of remaining balance after large lump-sum principal reduction.
Title & Closing Settlement Fee Estimator
Average closing settlement, title search, insurance, and recording fees.
Commercial Real Estate Mortgage Calculator
5-year/10-year balloon commercial real estate mortgage with 25-yr amortization.
401(k) Growth & Employer Match Calculator
401(k) employee contribution + employer match with 30-year compounding timeline.
Traditional vs Roth IRA Comparison
Pre-tax traditional IRA vs post-tax Roth IRA future purchasing power comparison.
FIRE Number & Safe Withdrawal Rate Calculator
Financial Independence Retire Early target nest egg (25x expenses) and safe withdrawal rate (4%).
Social Security Claiming Age Optimizer
Retirement benefit comparison starting at age 62, 67 (FRA), and 70 (Delayed credits).
Coast FIRE Target Calculator
Calculates amount needed today to stop saving and coast to full retirement.
Pension Annuity vs Lump Sum Buyout
Defined benefit monthly pension annuity vs lump-sum buyout present value.
IRS Rule 72(t) SEPP Early Withdrawal
Substantially Equal Periodic Payments penalty-free early retirement distribution.
Required Minimum Distribution (RMD) Calculator
Required Minimum Distribution calculation by IRS Uniform Lifetime Table.
Mega Backdoor Roth 401(k) Calculator
After-tax 401(k) non-deductible contributions to Roth rollover limit ($69,000+).
HSA Triple-Tax-Advantaged Growth
Health Savings Account triple-tax-free healthcare and retirement compounding.
Lifetime Immediate Annuity Payout
Fixed immediate annuity monthly payout rate by premium and age.
SIMPLE IRA Small Business Match
Small business SIMPLE IRA 3% matching contribution and employee elective deferral.
SEP-IRA Self-Employed Contribution
Self-employed SEP-IRA 25% of net adjusted business profit maximum contribution.
Backdoor Roth IRA & Pro-Rata Tax Planner
Traditional IRA non-deductible conversion to Roth with Pro-Rata tax rule.
Early Retirement Readiness Financial Score
Comprehensive financial score assessing retirement readiness.
Guyton-Klinger Dynamic Spending Guardrails
Dynamic spending guardrails (Guyton-Klinger) retirement cash flow simulation.
Inflation Impact on Fixed Pension Purchasing Power
Purchasing power erosion of fixed pension over 10, 20, 30 years.
Medicare Part B & D IRMAA Surcharge
Income-Related Monthly Adjustment Amount premium surcharge brackets.
403(b) Educator & Non-Profit Retirement
Non-profit and public school employee 403(b) retirement growth.
457(b) Deferred Compensation Growth
Government 457(b) retirement plan with no 10% early withdrawal penalty.
Solo 401(k) Owner & Profit-Sharing Planner
Owner-only business employee + employer profit-sharing maximum $69,000+ contribution.
Defined Benefit Cash Balance Pension
High-income small business owner maximum tax-deductible pension contribution.
Rule of 55 Penalty-Free 401(k) Withdrawal
401(k) penalty-free separation from service at age 55 withdrawal planner.
Barista FIRE Part-Time Income Planner
Partial retirement cash flow needed with part-time low-stress income.
Social Security Spousal Survivor Benefit
Social Security and pension spousal survivor benefit estimation.
DRIP Dividend Reinvestment Compounding Calculator
Dividend compounding reinvestment simulator with dividend growth rate and share accumulation.
Options Profit & Loss Visualizer
Interactive payoff diagram for Calls, Puts, Covered Calls, and Cash-Secured Puts.
Dollar-Cost Averaging vs Lump-Sum Comparator
Dollar-Cost Averaging vs Lump-Sum investing historical return comparator.
Stock Average Down Cost Basis Calculator
Calculates new weighted average share price after purchasing market dips.
Portfolio Drawdown Recovery Calculator
Percentage gain required to break even after a 10%, 30%, 50% loss.
Compound Annual Growth Rate (CAGR)
Compound Annual Growth Rate over multi-year investment periods.
Stock Capital Gains Tax Calculator
Short-term ordinary income vs long-term preferential capital gains tax rate.
US Treasury Bill Yield (APY) Calculator
US T-Bill discount rate to Investment Yield (APY) and state-tax-free return.
Portfolio Asset Allocation Rebalancer
Rebalancing cash allocation to bring target asset percentages back to balance.
Sharpe Ratio Risk-Adjusted Return
Risk-adjusted return calculation measuring excess return per unit of volatility.
Dividend Yield & Payout Safety Ratio
Annual dividend per share divided by stock price and dividend safety ratio.
Stock Split Share & Price Adjuster
Forward (2:1, 3:1) and reverse stock split share quantity and price adjuster.
Margin Call Trigger Price Calculator
Maintenance margin requirement (25%-30%) and stock drop trigger price.
Short Selling Profit & Borrow Fee
Borrowing stock, selling high, buying back low with borrow fees.
Portfolio Beta Systematic Risk
Portfolio systematic market risk and sensitivity vs S&P 500 benchmark.
Treynor Ratio Systematic Performance
Excess return per unit of systematic risk (Beta).
Sortino Ratio Downside Risk Metric
Return per unit of downside deviation volatility.
ETF Expense Ratio 30-Year Fee Drag
30-year cost difference between 0.03% vs 0.75% expense ratio ETFs.
P/E, Forward P/E & PEG Ratio Model
Price-to-Earnings, PEG Ratio, and forward P/E intrinsic value estimator.
Discounted Cash Flow (DCF) Valuation
DCF valuation model with terminal value and weighted average cost of capital (WACC).
Bond Yield to Maturity (YTM) Model
Bond coupon rate, par value, market price, and years to maturity.
Bond Macaulay Duration & Convexity
Macaulay and modified duration measuring interest rate price sensitivity.
Covered Call Annualized Income Yield
Annualized option premium income from selling out-of-the-money calls.
Cash-Secured Put Annualized Yield
Annualized option premium return on cash held for selling puts.
Wash Sale 30-Day Cost Basis Adjuster
30-day rule disallowed loss adjustment to new share cost basis.
SaaS ARR, MRR & Growth Velocity Calculator
Monthly Recurring Revenue to Annual Recurring Revenue with net new ARR breakdown.
SaaS LTV : CAC Ratio & Payback Period
Customer Lifetime Value (LTV) divided by Customer Acquisition Cost (CAC) benchmark.
Startup Runway & Cash Burn Rate Calculator
Cash in bank divided by net monthly cash burn rate to project runway months.
Rule of 40 SaaS Health Calculator
SaaS Growth Rate (%) + Profit Margin (%) health score.
CAC Payback Period in Months
Months required for gross margin from a customer to pay back acquisition cost.
Startup Seed & Series A Equity Dilution
Pre-money valuation, seed/Series A investment, and founder ownership dilution.
SAFE Note Valuation Cap & Discount Conversion
Y-Combinator Post-Money SAFE note valuation cap and discount conversion.
Employee Stock Option (ESOP) Windfall Value
Employee stock option strike price vs company valuation windfall estimator.
Break-Even Sales Revenue & Units
Fixed costs divided by contribution margin ratio to find break-even revenue.
Working Capital & Current Ratio Liquidity
Current Assets ÷ Current Liabilities short-term liquidity score.
Days Sales Outstanding (DSO) Receivables
Average collection period for accounts receivable.
Stripe & Merchant Processing Fee Net Payout
Stripe / Square / PayPal flat fee + percentage net payout.
NPS Customer Satisfaction ROI Model
NPS customer satisfaction link to retention and revenue expansion.
Gross Margin vs Markup % Converter
Product cost vs selling price gross margin and markup percentage.
Degree of Operating Leverage (DOL)
Degree of operating leverage (DOL) impact on operating income.
Free Cash Flow to Firm (FCFF) Model
Cash flow from operations minus capital expenditures (Capex).
Quick Ratio Acid-Test Liquidity Model
(Cash + Marketable Securities + Receivables) ÷ Current Liabilities.
EBITDA & Adjusted Operating Profit
Earnings Before Interest, Taxes, Depreciation, and Amortization.
Inventory Turnover & Days on Hand
Cost of Goods Sold (COGS) ÷ Average Inventory.
Debt-to-Equity (D/E) Leverage Ratio
Total Liabilities ÷ Total Shareholders' Equity.
Return on Equity (ROE) DuPont Model
Net Income ÷ Average Shareholders' Equity.
Return on Assets (ROA) Profitability
Net Income ÷ Total Assets.
Customer Churn & Revenue Attrition
Lost customers percentage and annual revenue impact.
Net Revenue Retention (NRR) SaaS Benchmark
Expansion revenue minus churn percentage (100%+ SaaS benchmark).
SDE & EBITDA Business Valuation Multiples
SDE (Seller's Discretionary Earnings) and EBITDA valuation multiplier.
US Gross-to-Net Take-Home Paycheck Calculator
All 50 US States gross-to-net paycheck calculator with FICA (Social Security & Medicare) and Federal brackets.
UK PAYE Take-Home Salary & NI Calculator
UK Gross salary to net pay with £12,570 Personal Allowance, Basic/Higher/Additional rate & NI.
1099 Contractor vs W2 Employee Tax Comparator
Self-employment tax (15.3%) vs W2 employer split take-home comparison.
Canada Federal & Provincial Net Paycheck
Canada Federal and Provincial tax with CPP and EI contributions.
Australia PAYG Income Tax & Superannuation
Australia individual income tax brackets, Medicare levy, and Superannuation.
Freelance Billable Hourly Rate Calculator
Target annual income + business expenses ÷ billable hours.
Overtime (1.5x Time-and-a-Half) Paycheck
1.5x time-and-a-half and 2.0x double-time overtime wage calculator.
Bonus Tax Supplemental Withholding (22%)
22% federal supplemental wage flat rate vs aggregate withholding.
Remote Worker Multi-State Tax Credit
Convenience of the employer rule dual-state tax credit estimator.
City Cost of Living Salary Equivalence
City-to-city purchasing power salary equivalent (e.g. NYC to Austin).
Hourly Wage to Annual Salary Converter
Hourly wage to weekly, monthly, and annual gross income.
Sales Commission & Tiered Bonus Accelerators
Base salary + tiered percentage commission earnings.
Employer FUTA & SUTA Payroll Tax
Employer Federal Unemployment (FUTA) and State Unemployment (SUTA) taxes.
Severance Package Net Payout Calculator
Lump-sum severance package net payout after withholding.
Pre-Tax 401(k) Immediate Income Tax Savings
Immediate income tax deduction savings from pre-tax contributions.
HSA Triple-Tax Deduction Cash Savings
Federal, State, and FICA tax savings from pre-tax HSA contributions.
Child Tax Credit ($2,000 CTC) Phaseout
$2,000 per child CTC phase-out threshold calculator.
Earned Income Tax Credit (EITC) Refund
Low-to-moderate income working individual and family refundable credit.
Standard vs Itemized Deductions (SALT $10k)
Standard deduction vs mortgage interest, state tax (SALT $10k), charity.
Quarterly Estimated Tax Safe Harbor
100% or 110% prior year tax safe harbor quarterly payment.
Section 179 First-Year Equipment Deduction
First-year immediate full equipment deduction tax savings.
Home Office Deduction (Simplified vs Actual)
Simplified ($5/sq ft) vs Actual expense allocation method.
IRS Standard Business Mileage Deduction
IRS standard business mileage rate (67¢/mile) deduction.
Marriage Tax Penalty vs Bonus Calculator
Dual-income filing jointly vs single tax bracket differences.
Student Loan Interest Tax Deduction ($2,500)
Up to $2,500 above-the-line deduction phase-out calculator.
Crypto Profit & Loss & Fee Calculator
Buy price, sell price, exchange fees, and net profit percentage.
Crypto Staking APY Compounding Rewards Calculator
Daily, weekly, monthly compounding rewards on Proof-of-Stake tokens.
Uniswap & AMM Impermanent Loss Calculator
Uniswap / PancakeSwap AMM 50/50 liquidity pool impermanent loss.
Ethereum Gas Fee & USD Transaction Cost
Gwei gas price × transaction gas limit converted to live USD equivalent.
Crypto Futures Leverage & Liquidation Price
Isolated and cross-margin leverage (2x to 100x) liquidation price.
Bitcoin & Ethereum DCA Backtester
Bitcoin and Ethereum historical recurring purchase simulator.
Crypto ASIC & GPU Mining Profitability
Hashrate, wattage, electricity rate ($/kWh), and pool fee net profit.
Crypto Capital Gains Tax (FIFO vs LIFO)
First-In-First-Out vs Last-In-First-Out capital gains tax liability.
Bitcoin 4-Year Halving Supply Schedule
Historical block reward reduction (3.125 BTC) supply schedule.
Crypto Market Cap Price Multiplier
If Token X had Token Y's Market Cap price multiplier simulator.
DeFi Yield Farming APY to APR Converter
APR (Simple) to APY (Compounding) frequency converter.
Crypto Airdrop Fair Market Value Tax
Fair market value at receipt ordinary income tax calculator.
DEX Trade Price Slippage & Impact
Expected vs executed trade price slippage in decentralized exchanges.
NFT Creator Royalty & Secondary Volume
Mint price, secondary sales volume, creator royalty percentage, and platform fees.
Perpetual Funding Rate Cash & Carry
Perpetual futures 8-hour funding rate annualized return.
Satoshis to Bitcoin & USD Converter
Satoshis (sats) to Bitcoin (BTC) and USD instant converter.
Crypto Fear & Greed Sentiment Correlator
Sentiment index score historical correlation tool.
Offline Client-Side Crypto Asset Allocator
Browser-stored crypto asset allocation and target percentage rebalancer.
Solana Lamports & Priority Micro-Fee
Lamports to SOL and USD micro-transaction cost.
Crypto Tax Loss Harvesting Calculator
Offset stock and crypto capital gains with realized crypto losses.
BIP-39 2048-Word Seed Phrase Lookup
BIP-39 2048-word lookup and checksum validator.
DeFi Collateralized Crypto Loan LTV
Collateral deposit to stablecoin borrowing loan-to-value liquidation buffer.
Stablecoin Depeg Loss & Arbitrage Model
Arbitrage and loss percentage calculator during stablecoin depegs.
Token Burn Deflationary Price Model
Circulating supply reduction impact on token market cap and price.
Self-Directed Crypto IRA Tax Shelter
Self-Directed Crypto IRA tax-deferred vs Roth tax-free compounding.