Finance Tools

Project a 401(k) balance to retirement, including the employer match and the fee drag most projections omit.

Calculate Amazon referral fees, FBA fulfilment fees, profit margin and ROI for any product price point.

Calculate the payment a lump sum produces, or the sum needed for a target income.

Convert an interest rate plus fees into an APR so loan offers can be compared fairly, and see why the advertised rate understates the cost.

Convert a nominal interest rate into annual percentage yield, and compare accounts honestly.

Calculate the monthly payment and final balloon on a loan amortised over a longer term than its maturity, with the refinance risk and a comparison against full amortisation.

Price European calls and puts with the Black-Scholes model, get all five Greeks, and solve for implied volatility from a market price.

Work out the real cost of a buy now pay later plan including late fees, and compare it against paying outright or using a credit card.

Calculate a bond yield to maturity from its price, or the price from a target yield, plus current yield, Macaulay and modified duration, convexity and the price change for a rate move.

Calculate compound annual growth rate between two values, and know what it hides.

Estimate capital gains tax, with the holding period and cost basis rules that change the bill most.

Estimate your monthly car lease payment from the vehicle price, down payment, residual value, money factor and lease term, with depreciation and finance breakdown. Private.

Calculate car loan monthly payments, total interest and the effect of a deposit or trade-in. Compare terms and see the true cost of a longer loan.

Calculate days sales outstanding, days inventory outstanding and days payable outstanding to get the cash conversion cycle, and see the cash each day of the cycle ties up.

Estimate the closing costs of a property purchase beyond the deposit: taxes, legal fees, survey, lender charges and moving expenses.

Find the portfolio value at which existing investments alone grow to fund retirement, so further contributions become optional.

Project how savings or investments grow with compound interest and regular contributions, in both nominal and inflation-adjusted terms.

Compare how daily, monthly, quarterly and annual compounding change a balance, and see the effective annual rate behind each nominal rate.

Calculate contractor invoice total with GST, TDS deduction, and net receivable.

Calculate how long a credit card balance takes to clear and what the interest costs at each payment level.

Estimate crypto gains using FIFO lots from buy/sell trades (simple CSV-style input).

Work out profit or loss on a crypto trade including fees, and find the price you need to break even.

Value a business by discounting projected free cash flows and a terminal value, with a sensitivity grid across discount rate and growth, and a check on how much of the value is terminal.

Model the debt avalanche method, which clears the highest interest rate first and costs the least overall.

Calculate the debt service coverage ratio for a property or business, find the maximum loan a lender would approve at a target DSCR, and see the break-even occupancy.

Model the debt snowball method, where the smallest balance is cleared first regardless of interest rate.

Calculate your debt-to-income ratio the way lenders do, see where you sit against approval thresholds, and what moves the number fastest.

Build a full depreciation schedule under straight line, double declining balance, sum of years digits or MACRS, with book value by year and the switch point where methods cross.

Project share growth from dividend reinvestment using yield and payout frequency (constant price estimate).

Calculate dividend yield and annual income, and spot the yields that signal trouble.

Model a regular investing plan against a lump sum, see the average cost achieved, and understand why buying a fixed amount produces a lower average price than a fixed quantity.

Calculate the final price after two stacked discounts (e.g. 50% off then extra 20% off) and see the true combined discount percentage. Free, private, instant.

Work out the deposit needed for a property, including the thresholds that change your rate.

Estimate eBay final value fees by category, per-order fees and your net payout and profit on any sale.

Calculate EBITDA from either net income or revenue, build an adjusted figure with add-backs, and see the margin, coverage ratio and implied enterprise value at a multiple.

Work out the emergency fund you need from your actual essential monthly costs, job security and dependants, and how long it will take to build.

Calculate equated monthly instalments for a loan, with total interest, amortisation breakdown and the effect of prepayment.

Calculate interest saved and tenure reduction when you prepay a loan at a specific month.

Estimate EPF retirement corpus from salary, contribution rates, growth, and EPF interest (approximate).

Calculate exactly what Etsy takes from a sale — listing, transaction, payment processing and Offsite Ads fees — and your real profit.

See what a fund expense ratio costs over an investing lifetime in currency rather than basis points, compare two funds side by side, and find the break-even outperformance a fee requires.

Calculate fixed deposit maturity for cumulative or interest payout options (monthly/quarterly/annual).

Estimate fuel required and trip cost from distance, mileage, and fuel price (supports round-trip).

Calculate the future value of a lump sum or regular contributions, and see why timing beats amount.

Work out the monthly saving needed to reach a target by a date, with interest and inflation factored in. Adjust the amount, date or return.

Calculate gratuity under the Payment of Gratuity Act 1972 from last drawn basic and DA, with the five-year rule and tax exemption applied.

Estimate monthly grocery budget from household size, daily spend, and fixed monthly items.

Split bills among a group from payer/amount lines and compute settlement transfers.

Split an invoice amount into taxable value and GST components. Supports intra-state (CGST+SGST) and inter-state (IGST).

Reverse-calculate GST from an inclusive amount to find base price, GST amount, and total.

Model a home equity line of credit through both phases: interest-only payments during the draw period and the payment jump when principal repayment begins.

Estimate the house price you can afford from income, deposit, debts and rate, including the running costs buyers routinely leave out.

Convert an hourly wage into weekly, monthly and annual salary based on hours per week and weeks per year. Free, private and instant.

Calculate the exempt portion of House Rent Allowance under Indian income tax rules, using the three-way least-of test.

Estimate impermanent loss for a 50/50 AMM pool from price change and initial position (fees not included).

Compare estimated income tax under old vs new regime from income and deductions (simplified slab-based estimate).

Convert a factoring discount rate into a genuine annualised cost, compare recourse and non recourse pricing, and check it against an early payment discount or a line of credit.

Compute late fees and updated total from invoice amount, late days, and flat/percent/daily penalty terms.

Find the holding period at which buying becomes cheaper than leasing, and see how mileage, resale value and rates move the crossover point.

Compare leasing against buying over the same period, including depreciation, interest, resale value and the cost of tied-up capital.

See how extra payments reduce interest and payoff time by generating an updated amortization schedule.

Plan loan payoff timeline and total interest from principal, interest rate, monthly payment, and extra payments.

Estimate the loan amount you qualify for from income, existing commitments and term, and see which factors actually change a lender's answer.

Calculate the price at which a margined position triggers a maintenance call, how much cash the call would require, and how leverage magnifies both gain and loss.

Convert a merchant cash advance factor rate into a genuine annual percentage rate, model the daily or weekly holdback against real revenue, and compare it with a term loan.

Generate a mortgage amortization schedule showing monthly payment breakdown, principal, interest, and remaining balance.

Calculate mortgage payments from price, deposit, rate and term, with total interest, amortisation and the costs beyond principal and interest.

Calculate how long a refinance takes to pay back its closing costs, and when the answer is still no.

Calculate net worth from lists of assets and liabilities.

Calculate net present value, internal rate of return, modified IRR, profitability index and discounted payback from a series of cash flows, with a sensitivity table across discount rates.

Build a multi leg option position and see the payoff at expiry: break-even points, maximum profit and loss, net debit or credit, and the profit or loss at any underlying price.

Calculate overtime pay at any multiplier, using the regular rate that law actually requires.

Calculate price-to-earnings ratio and earnings yield, and know what a low P/E usually means.

Calculate a raise in percentage and absolute terms, and check whether it beats inflation.

Calculate how long an investment takes to recover its cost, with both simple and discounted payback, and where the metric misleads.

Work out net pay per paycheck after tax and deductions, including the extra-paycheck months.

Calculate PayPal fees on a payment, and work out what to charge to receive an exact amount.

Find the month private mortgage insurance can be cancelled at 80 percent loan to value, when it terminates automatically at 78 percent, and what an extra payment or a rising home value does to that date.

Work out exactly what to buy and sell to return a portfolio to its target allocation, with a drift threshold, a cash-only rebalancing option and the tax cost of selling.

Size a trade from account risk and stop distance, so no single loss can do lasting damage.

Project PPF maturity value, yearly interest and total investment over the 15-year term, including extensions and partial withdrawals.

Estimate PPF maturity value from annual contribution, interest rate, and years.

See how much interest a lump sum or extra monthly payment saves, and whether reducing the term or the instalment is the better choice.

Discount future cash flows to today's value, and choose a discount rate you can defend.

Calculate recurring deposit maturity value and interest earned, with quarterly compounding and the TDS treatment banks apply.

Convert a nominal return into a real one using the exact Fisher equation rather than simple subtraction, then apply tax to see what actually remains in purchasing power.

Calculate RD maturity value from monthly deposit, interest rate, and tenure (approximate).

Work out affordable rent from income, and check it against what landlords will actually require.

Split rent and utilities equally or by custom shares among roommates.

Compare renting vs buying in India using a simple model: EMI, rent inflation, property appreciation, and investment returns.

Calculate risk-reward ratio and the win rate it requires to be profitable.

Compare Roth vs Traditional IRA under assumed tax rates now vs retirement and expected returns (simplified).

Estimate how long money takes to double at a given rate, using the mental shortcut and its exact counterpart.

Model how long a portfolio lasts at a given withdrawal rate, and understand where the 4 percent rule came from and where it breaks.

Generate a salary breakup from CTC into Basic, HRA, Employer PF, and remaining allowances.

Calculate a salary increase in percentage or absolute terms, compare offers, and check whether a rise actually beats inflation.

Convert annual salary to hourly, daily, weekly, and monthly rates based on hours/week and paid weeks/year.

Calculate sales commission and total earnings from sales amount and commission rate, with an optional base salary. Great for reps and managers. Free, private, instant.

Work out how much to save each month to reach a savings goal by a target date, factoring in any current savings and interest. Free, private, instant.

Calculate your savings rate and the years of work it implies before financial independence.

Calculate the Sharpe ratio from a return series, plus Sortino, Calmar, maximum drawdown, volatility and the annualisation that makes periods comparable.

Calculate simple interest and see exactly how far it diverges from compound interest over time.

Calculate SIP returns with an annual step-up in monthly investment and expected annual return rate.

Estimate solar generation and electricity bill savings. Optional payback estimate from system cost.

Calculate your average cost per share across multiple buys (averaging down or up), with total shares, total invested and break-even price. Free, private, instant.

Calculate profit or loss on a share trade after fees, with break-even and percentage return.

Compare your current student loans against a refinance offer, see the interest saved and the payment change, and weigh the federal protections refinancing gives up.

Estimate net pay from gross salary after tax, social contributions and payroll deductions.

Compute income tax from a bracket table you supply, with a per-band breakdown, effective and marginal rates, and an optional second contribution layer with its own thresholds.

Calculate TDS and net receivable for service invoices with optional GST handling.

Calculate the time weighted return that measures investment performance independently of deposits and withdrawals, alongside the money weighted return that measures your actual outcome.

Calculate your tithe and offerings from weekly, bi-weekly, monthly or yearly income, with per-period breakdowns.

Generate a token vesting schedule with cliff, duration, and cadence, including unlocked totals over time.

Plan a trip budget across flights, accommodation, food, transport and activities, with a contingency and daily spend breakdown.

Split trip expenses among friends. Paste participants and expenses to get who owes whom.

Estimate trip budget from days, flights, hotel, food, local transport, activities, and buffer.

Convert between a treasury bill discount rate, purchase price, investment yield and bond equivalent yield, and compare a bill against a certificate of deposit or money market fund.

Compare products by price per unit across different pack sizes and units, so the cheaper option is obvious.

Generate a UPI payment URI with payee details, amount, and note. Copy and share the UPI link.

Generate a UPI payment QR code from VPA (UPI ID), name, amount, and note. Download as PNG.

Calculate weighted average cost of capital from the capital structure, cost of equity via CAPM, cost of debt and tax rate, with the levered beta and a sensitivity view.

Plan a wedding budget with a category breakdown (venue, catering, attire, decor, photo/video, etc.).

Calculate working capital, current and quick ratios, working capital as a share of revenue, and how much additional funding a planned growth rate will require.

Estimate YouTube AdSense earnings from views using realistic RPM ranges by niche, with monthly and yearly projections.

Calculate zakat due on cash, gold, investments and receivables minus debts, checked against the nisab threshold.