Annualized Return Calculator
Calculate the compound annualized return from an investment's starting value, ending value, and holding period. The result is a mathematical estimate before fees, taxes, inflation, or cash flows.
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Calculators
Calculators
Planning tools related to money & business literacy, with visible assumptions and clearly explained results.
Average Purchase Price Calculator
Calculate the weighted average price per unit across two purchases using the quantities and prices you enter. The result excludes fees, taxes, and other costs unless you include them in the entered prices.
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Monthly Budget Balance Calculator
Estimate the money left in a monthly budget after planned expenses by subtracting total monthly expenses from monthly take-home income. This simple worksheet-style estimate assumes all amounts use the same currency and cover the same month.
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Business Asset Value Calculator
Estimate a business's net assets by subtracting accumulated depreciation and liabilities from asset cost plus other assets. Enter amounts in the same currency and valuation basis.
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Commission Calculator
Estimate commission earnings from a sale amount and commission rate, with an optional fixed base payment and a share adjustment for split commissions.
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Compound Interest Calculator
Estimate an account's future balance from an initial deposit, regular contributions, an annual interest rate, compounding frequency, and investment period. This simplified estimate assumes a constant rate and contributions made at the end of each month.
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Credit Card Interest Cost Calculator
Estimate simple interest on a credit card balance over a chosen number of months using the entered annual percentage rate. This worksheet assumes the balance stays constant and does not include payments, new purchases, fees, or compounding.
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Credit Utilization Calculator
Estimate overall credit utilization by dividing the combined balances on two credit accounts by their combined credit limits, then expressing the result as a percentage.
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Customer Lifetime Value Calculator
Estimate gross-profit customer lifetime value from average monthly revenue, gross margin, and expected customer lifespan. This simplified model assumes revenue and margin remain constant over the stated lifespan.
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Debt Repayment Amount Calculator
Estimate the total amount paid toward debt by multiplying a monthly payment by the number of months. This simple estimate does not account for interest, fees, or changes in payment amount.
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Debt-to-Income Ratio Calculator
Estimate your debt-to-income (DTI) ratio by comparing your monthly debt payments with your gross monthly income. Enter amounts for the same month. This is a budgeting estimate and does not predict loan approval.
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Dividend Reinvestment Growth Calculator
Estimate how a dividend investment may grow when dividends are reinvested, using a simplified annual compounding model. Enter your starting balance, annual dividend yield, annual share-price growth, investment period, and annual contribution. The estimate assumes the inputs remain constant and excludes taxes, fees, and fractional-share restrictions.
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Dividend Yield Calculator
Calculate a stock's annual dividend yield as a percentage of its current share price using the annual dividend per share and share price you enter.
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Effective Tax Rate Calculator
Estimate an effective tax rate by dividing the tax amount entered by the income amount entered. This simple calculation does not account for tax rules, deductions, credits, or filing circumstances.
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Emergency Fund Target Calculator
Estimate an emergency savings target by multiplying your monthly essential expenses by the number of months you choose to cover. This is a user-selected arithmetic target, not individualized financial guidance.
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Future Value Calculator
Estimate the future value of savings with monthly contributions and an assumed annual return compounded monthly. The estimate excludes taxes, fees, and inflation.
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Home Closing Cost Budget Calculator
Add user-entered title, inspection, appraisal, and other fees to estimate a simple home closing fee budget in USD. This estimate includes only the amounts entered and does not determine a complete closing disclosure or every cost of buying a home.
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Hourly to Salary Calculator
Estimate gross annual salary from an hourly wage and typical paid work hours. Enter your rate, weekly hours, and paid work weeks to calculate an annualized amount before taxes and deductions.
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Income Quintile Share Calculator
Calculate the percentage of total income represented by one income group using the same currency and time period for both amounts. This simple share does not determine quintile boundaries or compare a population with published statistical data.
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Inflation Calculator
Estimate how the purchasing-power equivalent of an amount changes over time at a constant annual inflation rate. Enter an amount, an annual rate, and a number of years.
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Simple Interest Rate Calculator
Estimate the annual simple interest rate implied by an amount borrowed or invested, the interest earned or paid, and the time period. This assumes interest does not compound.
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Investment Growth Calculator
Project an investment balance over time using an assumed annual return, regular monthly contributions, and monthly compounding. This is a mathematical illustration, not a forecast or investment advice.
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Investment Return Calculator
Estimate the ending value and total return of a one-time investment using an assumed annual return compounded over a chosen period. This simplified estimate excludes taxes, fees, inflation, and additional contributions.
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Fixed-Rate Loan Amortization Calculator
Estimate the monthly payment and total interest for a fixed-rate loan from the principal, annual interest rate, and term in months. This estimate excludes fees and does not provide a full payment schedule.
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Fixed-Rate Loan Payment Calculator
Estimate the monthly principal and interest payment for a fixed-rate loan using the amount borrowed, annual interest rate, and repayment term.
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Markup and Selling Price Calculator
Calculate a selling price and gross profit from a product's unit cost and target markup percentage. The calculation applies markup to cost and does not account for operating expenses, taxes, or fees.
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Monthly Savings Gap Calculator
Estimate the monthly difference between your income and expenses using the same currency and time period for both amounts.
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Monthly Savings Goal Timeline Calculator
Estimate how many months it may take to reach a savings goal based on your current savings and a steady monthly contribution. The estimate assumes no interest, withdrawals, fees, or changes in contributions.
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Monthly Work Hours Calculator
Calculate scheduled work hours for a month by multiplying the number of workdays by hours worked per day. This simple estimate does not account for holidays, leave, overtime, or varying daily schedules.
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Net Profit Calculator
Estimate net profit and net profit margin for a business period from revenue and the costs entered. This simplified model subtracts cost of goods sold, operating expenses, interest, and taxes from revenue.
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Net Worth Calculator
Estimate your net worth by adding the values of your assets and subtracting your debts. Enter amounts in one currency and use consistent, current estimates.
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Pay Raise Calculator
Estimate your new annual gross pay and the increase from a raise percentage using your current annual gross salary. Results are before taxes, deductions, and other compensation changes.
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Percentage Discount Calculator
Calculate the discount amount and discounted price from an original price and a percentage discount. The result is the amount taken off the original price.
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Portfolio Return Calculator
Estimate a portfolio's total return over a holding period from its starting value, ending value, cash contributions, and cash withdrawals. This simple calculation treats flows as if they occurred at the end of the period and does not account for timing, fees, taxes, or inflation.
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Present Value Calculator
Estimate the value today of a future cash amount using an annual discount rate and a compounding period. This calculation assumes one future payment, a constant rate, and matching annual periods.
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Pricing Calculator for Service Projects
Estimate a project price from labor, materials, overhead, and a target markup. This simple worksheet model assumes markup is applied to the combined direct and allocated costs.
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Profit Margin Calculator
Calculate gross profit and gross profit margin from revenue and cost of goods sold. This simple model excludes operating expenses, taxes, interest, and other costs outside cost of goods sold.
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Project Inventory Turnover Calculator
Calculate how many times project inventory is used or sold during a period by dividing cost of goods sold by average inventory value. Enter both amounts in the same currency and for the same period.
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Retirement Contribution Total Calculator
Estimate the total amount contributed through regular monthly deposits over a chosen number of months. This simple estimate adds contributions only and does not include investment growth, fees, taxes, or employer contributions.
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Return on Equity Calculator
Calculate a user-input return on equity ratio from net income and average shareholder equity for the same period and in the same currency.
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Return on Investment Calculator
Estimate simple return on investment as a percentage from an investment's total cost and its resulting value. This calculation does not account for timing, taxes, financing, or risk.
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Rule of 72 Calculator
Estimate how many years an investment may take to double by dividing 72 by its annual rate of return. This is a simplified estimate and does not account for taxes, fees, or changing returns.
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Sales Tax Calculator
Estimate sales tax and the total price from a taxable purchase amount and a tax rate you provide. This arithmetic tool does not determine which tax rules apply to a transaction.
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Savings Goal Calculator
Estimate the monthly amount to set aside to reach a savings goal by a target date. This simple planning worksheet assumes regular monthly deposits, no starting balance, and no interest or investment growth.
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Savings Interest Calculator
Estimate simple interest earned on savings from an opening balance, annual interest rate, and time period. This estimate assumes the rate and balance stay constant and does not include compounding, taxes, fees, or additional deposits.
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SBA Loan Monthly Payment Calculator
Estimate the monthly principal and interest payment for a fully amortizing loan using the amount borrowed, annual interest rate, and repayment term. This worksheet does not determine SBA eligibility, approval, or final loan terms.
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Simple Interest Calculator
Calculate the simple interest and total balance on a principal amount over a stated time period using an annual interest rate. This estimate assumes the rate stays constant and interest is not compounded.
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Stock Profit Calculator
Estimate the gross profit or loss from a stock sale after entering your purchase price, sale price, share quantity, and total trading fees. The calculation excludes taxes and other costs not entered.
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Take-Home Pay Estimator
Estimate pay after the deductions and withholding amounts you enter. This worksheet does not calculate taxes under any jurisdiction's rules.
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Time Value of Money Calculator
Estimate the future value of a present amount or the present value of a future amount using an assumed annual rate, compounding frequency, and number of years. This calculator uses a fixed-rate model and does not account for taxes, fees, inflation, or changing returns.
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