Free Online Finance Calculators

Auto & Vehicle Finance Calculators help you compare the ways to pay for a car. Calculate an auto lease or use the car lease vs buy calculator and lease vs buy car calculator to weigh leasing against buying, or run an auto loan refinance calculator to see if refinancing saves money. The car rebate vs financing calculator compares manufacturer incentives against low-interest financing, while the auto loan vs home equity calculator checks whether tapping home equity beats a traditional auto loan. There's also a gas mileage calculator for estimating ongoing fuel costs.

Bonds & Fixed Income Calculators cover the pricing and yield math behind bond investing. Calculate bond price and bond yield, or work out bond YTM (yield to maturity) and current yield for a more complete return picture. The coupon rate calculator and bond equivalent yield calculator standardize returns for comparison, while duration and bond convexity calculators measure a bond's sensitivity to interest rate changes.

Business & Accounting Calculators cover the core financial metrics every business tracks. Calculate break-even point, profit margin, and contribution margin, or estimate EBITDA and cost of goods sold (COGS) for financial statements. The business valuation calculator and business startup costs calculator support planning a new venture, while burn rate and revenue per employee calculators track ongoing financial health.

This section also includes a FIFO calculator for inventory accounting, EOQ (economic order quantity) calculator, labor cost calculator, man-hours calculator, operating cost calculator, profit goal calculator, and turnover rate calculator for day-to-day business operations.

College & Education Finance Calculators help families plan and pay for education costs. Calculate the cost of college or use the 529 plan calculator and college savings calculator to plan ahead, or estimate the cost of raising a child for longer-term family budgeting. Once loans are needed, the student loan calculator, student loan payoff calculator, student loan refinance calculator, and PLUS loan calculator cover borrowing and repayment. There's also a student budget calculator for managing day-to-day college expenses.

Credit & Credit Cards Calculators help you manage credit card debt and build credit responsibly. Calculate credit card interest and minimum payment, or use the credit card payoff calculator to plan a debt-free timeline. The credit utilization calculator and credit score estimator show how your usage affects your score, while the credit card comparison calculator and rewards calculator help pick the right card for your spending habits.

Crypto & Digital Assets Calculators cover the math behind buying, mining, and taxing cryptocurrency. Calculate crypto profit and use the DCA (dollar-cost averaging) calculator to model a regular investment strategy, or estimate returns with the Bitcoin ETF calculator. The Bitcoin mining calculator estimates mining profitability from hardware and electricity costs, while the crypto tax calculator estimates tax owed on gains.

Debt Management Calculators help you build a plan to pay off debt faster. Compare the debt avalanche calculator and debt snowball calculator to choose a payoff strategy, or use the debt consolidation calculator and balance transfer calculator to evaluate combining multiple debts. The extra debt payment calculator shows how additional payments shorten a payoff timeline, the debt-to-income ratio calculator checks your borrowing capacity, and the pay off debt or invest calculator weighs which option makes more financial sense.

Depreciation Calculators cover the accounting methods used to spread an asset's cost over its useful life. Calculate straight line depreciation or declining balance depreciation, or use the MACRS depreciation calculator for US tax reporting. The sum of years digits depreciation and units of production depreciation calculators apply alternative depreciation schedules, while the accumulated depreciation calculator and general depreciation calculator track total value lost over time.

Financial Ratios & Analysis Calculators cover the metrics analysts use to evaluate a company's financial health. Calculate ROA, ROE, and ROIC to measure profitability, or check liquidity with the current ratio and quick ratio calculators. The DuPont analysis calculator breaks ROE into its component drivers, while the Altman Z-score calculator estimates bankruptcy risk.

This section also includes cash conversion cycle, cash flow to debt ratio, debt ratio, DSO (days sales outstanding), NOPAT, economic value added, and operating asset turnover calculators for deeper financial statement analysis.

Forex & Currency Trading Calculators cover position sizing and profit calculations for currency trading. Calculate forex position size and forex margin to manage risk, or work out forex pip value and forex profit for a specific trade. The forex compounding calculator projects account growth over time, while the exchange rate calculator converts between currencies directly.

This section also includes an inflation calculator, CPI calculator, and purchasing power calculator for understanding how currency value changes over time.

Insurance Calculators help you estimate coverage needs and costs across major insurance types. Calculate life insurance and disability insurance needs, or estimate health insurance and long-term care insurance costs for future planning. The car insurance calculator and home insurance calculator estimate premiums for common policies, while the insurance needs calculator gives an overall picture of how much coverage you need across categories.

Interest & APR Calculators cover every way interest is calculated, compounded, and compared. Calculate simple interest or compound interest, or compare rates with the APR calculator, APY calculator, and effective annual rate (EAR) calculator. The nominal interest rate calculator and effective interest rate calculator convert between stated and true rates, while the Rule of 72 calculator estimates how long it takes money to double.

This section also includes daily compound interest, periodic compound interest, periodic interest rate, equivalent interest rate calculators, and an interest rate table generator for building custom rate schedules.

Investment & Returns Calculators measure how well an investment has performed or is likely to perform. Calculate CAGR (compound annual growth rate), annualized return, and rate of return, or use the ROI calculator for a straightforward return-on-investment figure. The payback period and profitability index calculators evaluate whether an investment is worth pursuing, while the opportunity cost calculator compares an investment against its next-best alternative.

This section also includes a holding period return calculator, expected return calculator, discount rate calculator, million dollar calculator, and a taxable vs tax-deferred growth calculator for comparing account types.

Loans & Borrowing Calculators cover payment schedules and comparisons for every kind of loan. Calculate a loan payment or full amortization schedule with the loan calculator, amortization schedule generator, and loan payment table generator, or use the EMI calculator for equated monthly installment loans common outside the US. Home-secured borrowing is covered by the HELOC calculator, home equity loan calculator, and loan-to-value (LTV) calculator, while the business loan calculator supports commercial borrowing.

This section also includes an interest-only loan calculator, loan comparison calculator, loan vs line of credit calculator, personal loan calculator, payday loan calculator, and a how much loan can I afford calculator to check borrowing capacity before applying.

Marketing & Advertising Calculators measure the return on marketing spend and campaign performance. Calculate CAC (customer acquisition cost) and LTV (lifetime value) to see if your marketing spend pays off, or estimate ROAS (return on ad spend) for a specific campaign. The CPC, CPM, and CTR calculators cover common digital advertising metrics, while conversion rate and churn rate calculators track funnel and retention performance.

This section also includes a bounce rate calculator, Google AdSense calculator, website ad revenue calculator, and YouTube money calculator for content monetization.

Mortgage & Real Estate Calculators cover buying, financing, and investing in property. Calculate a mortgage payment or full mortgage amortization, or use the how much house can I afford and home affordability calculators to set a realistic budget. Compare loan types with the FHA loan calculator, VA loan calculator, and ARM mortgage calculator, or evaluate refinancing with the mortgage refinance calculator and mortgage refinance break-even calculator.

For real estate investing, this section also includes cap rate, cash on cash return, rental yield, net operating income (NOI), and DSCR calculators, plus a rent vs buy calculator, closing costs calculator, down payment calculator, and PITI mortgage payment calculator for a complete picture of homeownership costs.

Paycheck & Benefits Calculators help you understand what actually lands in your bank account from a paycheck. Calculate take home pay and use the paycheck calculator to see gross-to-net deductions, or estimate bonus tax withholding with the bonus tax calculator. The 401k employer match calculator shows the value of employer retirement contributions, while the cafeteria plan tax savings calculator and employee compensation calculator round out total compensation planning.

Personal Finance & Budgeting Calculators cover the fundamentals of managing everyday money. Build a budget with the budget calculator, or track spending with the spending tracker calculator and cash flow calculator. The FIRE calculator estimates progress toward financial independence and early retirement, while the how much do I need to save calculator works backward from a savings goal to a required monthly contribution.

Retirement & Pension Calculators help you plan and track savings for life after work. Calculate 401k and 403b growth, or project income with the retirement calculator, retirement income calculator, and retirement savings calculator. IRA savers can use the IRA calculator, Roth IRA calculator, and Roth IRA conversion calculator, while the RMD calculator and retirement withdrawal calculator plan how savings are drawn down later in life.

This section also includes an annuity calculator, annuity payout calculator, pension calculator, Social Security calculator, state pension age calculator, and an early retirement/FIRE calculator for those aiming to retire ahead of schedule.

Salary & Income Calculators help you understand and compare your earnings. Convert salary to hourly pay or hourly to salary with the salary to hourly calculator and wage conversion calculator, or calculate gross to net pay after taxes and deductions. Freelancers and consultants can use the freelance rate calculator and consulting fees calculator to set rates, while the cost of living calculator adjusts salary comparisons across different cities.

This section also includes a salary calculator, salary sacrifice calculator, US minimum wage calculator, and liquid net worth calculator for a broader view of personal finances.

Sales & Retail Calculators cover pricing and fee math for sellers and retailers. Calculate a sale price or markdown with the sale price calculator and list price markdown calculator, or compare margin vs markup to price products correctly. Online sellers can use the Amazon FBA calculator, eBay fee calculator, and PayPal fee calculator to account for marketplace fees, while the commission calculator and profit calculator estimate take-home earnings.

This section also includes a unit price/price per unit calculator, layaway plan calculator, and a sales calculator (all variables) for solving any combination of price, quantity, and total.

Savings & Deposits Calculators help you grow money safely in savings accounts and deposit products. Calculate CD (certificate of deposit) and CD ladder returns, or estimate growth with a high-yield savings calculator and money market account calculator. Budgeting frameworks like the 50/30/20 rule calculator and 70/20/10 rule calculator allocate income toward savings, while the how long to double money calculator estimates growth timelines.

This section also includes an HSA calculator, FD calculator (fixed deposit), RD calculator (recurring deposit), PPF calculator, sinking fund calculator, and a save now vs save later calculator for comparing the cost of delaying savings.

Stock Market & Equity Calculators cover valuation, returns, and risk for stock investors. Calculate P/E ratio, PEG ratio, EPS, and market cap to evaluate a stock, or estimate intrinsic value with the Graham number calculator and intrinsic value calculator. The dividend calculator, dividend yield calculator, and DRIP calculator cover income investing, while beta, CAPM, Sharpe ratio, and WACC calculators measure risk and required return.

This section also includes a stock average calculator, stock profit calculator, stock split calculator, ETF calculator, mutual fund calculator, SIP calculator, enterprise value calculator, and a US Treasury bill calculator for fixed-income comparisons.

Tax Calculators cover federal, state, and specialty tax calculations for individuals and businesses. Estimate income tax with the income tax calculator and tax return estimator, or find your bracket with the tax bracket calculator and marginal tax rate calculator. Investors can calculate capital gains tax and dividend tax, while business owners have corporate tax rate, corporation tax, and self-employment tax calculators.

This section also includes property tax, estate tax, and US gift tax calculators for wealth transfer planning, plus a sales tax with state/local options calculator, reverse sales tax calculator, GST calculator, earned income credit (EIC) calculator, MAGI calculator, mileage reimbursement calculator, and a wage garnishment calculator for less common but important tax situations.

Time Value of Money Calculators cover the core finance formulas that compare cash flows across different points in time. Calculate present value and future value directly, or run a full NPV (net present value) or IRR (internal rate of return) analysis for an investment decision. The DCF (discounted cash flow) calculator values a business or asset based on projected cash flows, while PV of annuity, FV of annuity, and perpetuity calculators handle recurring payment streams.

This section also includes PV of cash flows, FV of cash flows, and FV of investment calculators for modeling more complex cash flow scenarios.