Finance calculators

See how a starting balance and monthly contributions grow over time with compound interest.

See how long it will take to pay off a credit card or loan balance at a fixed monthly payment.

Find out how long it will take to reach a savings goal based on your monthly contribution and interest rate.

Estimate your take-home pay after federal tax and FICA, per paycheck.

Calculate the tip amount and split the total bill evenly among a group.

Calculate interest earned using the simple interest formula: I = P × r × t.

Calculate markup and profit margin from cost and selling price - and see why they're not the same thing.

Work backward from your income goal to the hourly rate you need to charge, accounting for non-billable time, expenses, and taxes.

Calculate how many units you need to sell to cover your fixed costs.

See how long paying only the minimum on a credit card really takes - and how much interest it costs.

Calculate your net worth by adding up your assets and subtracting your liabilities.

Calculate your emergency fund target and how long it will take to reach it.

Calculate your credit utilization ratio - one of the biggest factors in your credit score.

Estimate payoff time, total interest, and savings from making extra credit card payments.

Convert hourly pay into weekly, monthly, and annual salary using your schedule and paid weeks.

Calculate weekly gross pay with regular hours, overtime, double time, and blended pay rate.

Calculate a raise by percentage, monthly increase, biweekly impact, and inflation-adjusted gain.

Estimate sales commission from revenue, quota, base commission rate, accelerators, and draw repayment.

Estimate whether a 0% balance transfer saves money after transfer fees and promo-period payments.

Compare salaries between cities using cost indexes, rent differences, and tax assumptions.

Calculate EBITDA, EBITDA margin, approximate EBIT, and EV/EBITDA valuation multiple.

Calculate gross profit, gross margin, markup, and target selling price from COGS.

Estimate remaining balance forgiven after a required number of qualifying loan payments under a public service forgiveness program.

Estimate how a credit limit increase affects your credit utilization ratio.

Estimate deposit required and utilization ratio for a secured credit card building credit.

Calculate break-even unit volume and revenue from fixed costs, variable cost per unit, and price per unit.

Calculate contribution margin and contribution margin ratio from revenue and variable costs.

Calculate cost of goods sold from beginning inventory, purchases, and ending inventory.

Calculate days payable outstanding from accounts payable balance and cost of goods sold.

Calculate true total cost to employer of an employee including base salary, employer taxes, and benefits.

Calculate net cash advance and factoring fee cost from selling accounts receivable invoices to a factor.

Calculate cash conversion cycle from days inventory outstanding, days sales outstanding, and days payable outstanding.

Build a smallest-balance-first payoff plan with monthly payment allocation, payoff order, and interest cost.

Build a highest-interest-first payoff plan with interest savings, payoff sequence, and monthly debt strategy.

Convert APR to APY using compounding frequency so savings, credit, and investment rates can be compared correctly.

Estimate minimum payment, payoff time, and interest cost from balance, APR, and issuer payment rules.

Estimate gross pay, payroll taxes, deductions, employer cost, and net pay from wage and schedule assumptions.

Estimate income remaining after federal tax, state tax assumptions, payroll tax, deductions, and benefits.

Estimate credit utilization targets, payoff needs, and score-factor improvement priorities.

Estimate monthly credit card interest from balance, APR, payment timing, and payoff plan.

Compare consolidating card balances into a loan using payment, fees, APR, and payoff time.

Estimate savings gap, spending pressure, and budget allocation across core expense categories.

Estimate monthly savings needed for planned expenses such as repairs, insurance, tuition, or travel.

Estimate net income after tax, deductions, benefits, retirement contributions, and payroll costs.

Estimate annual, monthly, and paycheck take-home pay after tax and deductions.

Estimate biweekly net pay from salary, taxes, deductions, benefits, and retirement contributions.

Estimate contractor hourly rate from salary goal, taxes, expenses, unpaid time, and profit margin.

Estimate business value from EBITDA, revenue, growth, margin, and valuation multiple.

Estimate monthly business or household cash flow from income, fixed costs, variable costs, and debt.

Calculate working capital, current ratio, and liquidity cushion from current assets and liabilities.

Estimate AR turnover, days sales outstanding, and cash collection efficiency.

Calculate inventory turnover, days inventory outstanding, and carrying cost pressure.

Estimate LTV from average order value, margin, purchase frequency, churn, and retention.

Calculate CAC from marketing spend, sales cost, new customers, and payback period.

Estimate monthly recurring revenue, expansion, contraction, churn, and net revenue retention.

Calculate customer churn, revenue churn, retention, and monthly recurring revenue risk.

Estimate purchasing-power change, inflation-adjusted value, and real return across time.

Estimate adjusted cost basis after purchases, reinvested dividends, fees, and partial sales.

Estimate long-term investment fee drag from fund expense ratio, balance, growth, and time.

Estimate tax impact on bank interest, after-tax yield, and real return after inflation.

Estimate student aid index planning value from income, assets, household size, and college costs.

Estimate moving budget from distance, home size, labor, truck rental, storage, and packing supplies.

Estimate annual subscription spending, price increases, cancellation savings, and budget impact.

Estimate dataset storage cost from file size, replication count, retention period, and access tier.

Estimate grant burn rate, personnel cost, supply spend, indirect cost, and months of runway.

Estimate open-access publication cost after waivers, institutional support, currency conversion, and tax.

Estimate total conference travel cost from registration, airfare, hotel, meals, visa, and poster expenses.

Estimate RA labor cost from hourly rate, hours, benefits load, project weeks, and grant overhead.

Estimate annualized equipment cost, depreciation, utilization cost per hour, and replacement reserve.

Estimate fieldwork per diem, lodging, mileage, reimbursements, and out-of-pocket research cost.

Estimate how long supplies last from usage rate, stock level, reorder time, and budget constraints.

Estimate emergency savings target for students from rent, food, transport, medical, and tuition risk.

Compare academic offers using salary, cost of living, relocation, teaching load, research support, and benefits.

Estimate productivity value from hours, grant cost, publication output, collaboration load, and opportunity cost.

Estimate conference return from cost, contacts, presentations, citations, recruiting, and collaboration value.

Calculate simple or compound interest growth from principal, rate, term, and compounding assumptions.

Model core finance variables including present value, future value, payment, rate, and time for planning decisions.

Convert salary across hourly, weekly, monthly, and annual pay while accounting for work schedule assumptions.

Estimate the implied interest rate from loan amount, payment, term, and payoff structure.