Financial
Calculators
Free calculators for loans, bonds, options, portfolio theory and risk — from a first mortgage to stochastic volatility surfaces. Every result is computed locally in your browser: no signup, nothing uploaded. Each calculator ships with its formula, a worked example and its assumptions, so you can check the math, not just trust it.
401(k) Calculator
Project a 401(k) balance with salary growth, contribution rate and employer match, and see the match value you would leave on the table.
Open instrument529 College Savings Calculator
Project a 529 plan to enrolment, with the state deduction, the tax-free growth and the cost of a non-qualified withdrawal.
Open instrumentAlternative Minimum Tax Calculator
AMT exemption, phase-out, 26/28% tentative tax and the excess over regular tax for 2026.
Open instrumentAmerican Option Calculator
Price American options by least-squares Monte Carlo (Longstaff-Schwartz).
Open instrumentAmortization Calculator
Full amortization schedule with month-by-month principal and interest breakdown.
Open instrumentAnnuity Calculator
Present and future value of an ordinary or due annuity, with payment growth, effective annual yield and the payout that a lump sum buys.
Open instrumentAPR Calculator
APR from the note rate, term and closing costs, solved from the discounted payment stream, with the monthly payment and total cost of credit.
Open instrumentAPY Calculator
Convert a nominal rate into the effective annual rate for any compounding frequency, including continuous compounding.
Open instrumentARM Calculator
Adjustable-rate mortgage payments at the teaser rate, the first capped reset and the lifetime ceiling, with the payment jump.
Open instrumentAsset Location Calculator
After-tax future value in a taxable versus a tax-deferred account.
Open instrumentAuto Lease Calculator
Lease payment split into depreciation and rent, money factor converted to APR, total lease cost and a like-for-like comparison with buying.
Open instrumentAuto Loan Calculator
Car loan payment including sales tax, trade-in credit, down payment and dealer fees, with total cost of ownership over the term.
Open instrumentAutocallable Note Calculator
Monte Carlo pricing for a Phoenix autocallable with coupon memory, the fair coupon and the autocall distribution.
Open instrumentAverage Return Calculator
Arithmetic average against compound annual growth.
Open instrumentBlack-Litterman Portfolio Calculator
Blend market equilibrium with your own views to set portfolio weights (Black-Litterman).
Open instrumentBlack-Scholes Options Calculator
Price European call and put options with the Black-Scholes model.
Open instrumentBoat Loan Calculator
Level payment amortisation at a fixed rate.
Open instrumentBond Duration Calculator
Price a coupon bond from its yield, then compute Macaulay and modified duration, convexity and DV01.
Open instrumentBond Yield Calculator
Compute a bond's yield, price and duration.
Open instrumentBreak-Even Calculator
Find the unit volume and revenue needed to cover fixed costs, with contribution margin and margin of safety at your planned output.
Open instrumentBudget Calculator
Split take-home pay into needs, wants and savings, compare with the 50/30/20 benchmark, and see unassigned income explicitly.
Open instrumentBurn Rate and Runway
Runway in months, the date cash runs out, the break-even month and the month-by-month cash curve with revenue and expense growth.
Open instrumentBusiness Loan Calculator
Level amortisation plus the DSCR coverage test.
Open instrumentCAGR Calculator
Convert a start value, end value and holding period into a compound annual growth rate, with total growth and doubling time.
Open instrumentCanadian Mortgage Calculator
Canadian convention: nominal rate compounded semi-annually, paid monthly.
Open instrumentCap Rate Calculator
Cap rate, DSCR, cash-on-cash and gross rent multiplier for a rental deal, with the loan terms that turn an unlevered yield into a levered one.
Open instrumentCap Table Calculator
Model a priced round with a pre-money option pool: price per share, shares issued, and every holder’s post-money ownership and paper value.
Open instrumentCapital Allocation Calculator
Allocate capital across assets to balance risk and return.
Open instrumentCapital Gains Tax Calculator
Long-term capital gains tax with 0/15/20% bracket stacking on ordinary income and the 3.
Open instrumentCaplet Bootstrap Calculator
Bootstrap caplet volatilities from a cap strip, with the forward vol curve and the repricing check.
Open instrumentCAPM Calculator
Estimate an asset's expected return from its beta with the Capital Asset Pricing Model.
Open instrumentCash Back vs Low Interest
Both offers compared over the same term and price.
Open instrumentCD Calculator
Certificate of deposit maturity value and APY from the nominal rate, compounding frequency and term, with the early-withdrawal penalty.
Open instrumentCDO Tranche Calculator
CDO tranche expected loss and wipe-out probability under the one-factor Gaussian copula, with base correlation.
Open instrumentCharitable Trust Calculator
Charitable remainder and lead trust mechanics: §7520 valuation, the deduction or taxable gift, and the income, charity and family split.
Open instrumentCIR Interest Rate Calculator
Model short-term interest rates with the Cox-Ingersoll-Ross process.
Open instrumentClosing Costs Calculator
Itemised buyer and seller closing costs, cash to close and the round-trip transaction friction a property has to clear.
Open instrumentCollege Cost Calculator
Cost inflation compounding to the first year of study.
Open instrumentCommission Calculator
Tiered commission and the effective rate on the sale.
Open instrumentCommodity Mean-Reversion Calculator
Model mean-reverting commodity prices with the Schwartz model.
Open instrumentCompound Interest Calculator
Project savings growth with contributions, compounding frequency, fees and taxes.
Open instrumentConstruction Loan Calculator
Interest reserve, loan-to-cost and equity gap for a drawn construction facility.
Open instrumentCorporate Debt Calculator
Analyze corporate debt financing cost and structure.
Open instrumentCovenant Headroom
Net leverage, interest cover and DSCR against their covenant limits, with the headroom in ratio units and in EBITDA.
Open instrumentCredit Card Payoff Calculator
Time and cost to clear a credit card balance at a given payment, or the payment to hit a deadline.
Open instrumentCredit Default Swap (CDS) Calculator
Price a credit default swap from its hazard (default) rate.
Open instrumentCredit Risk Capital Calculator
Credit valuation adjustment and regulatory capital from the same exposure.
Open instrumentCurrency Converter
Convert between USD, EUR, GBP, JPY and CHF at the ECB daily reference rate, with the bank fee shown separately.
Open instrumentCVA Hedge and Capital Calculator
CVA from the CDS curve, the hedge notional that neutralises its spread sensitivity, and Basel internal-model capital for the same exposure.
Open instrumentDCF Valuation Calculator
Value a company or project from its discounted future cash flows.
Open instrumentDebt Consolidation Calculator
Compare consolidating several debts against keeping them, at the same monthly outlay, with the interest saved and the fee break-even.
Open instrumentDebt Sculpting
Debt capacity as the present value of the maximum annual service.
Open instrumentDebt Snowball Calculator
Compare snowball (smallest balance first) and avalanche (highest rate first) payoff orders across multiple debts with one extra payment.
Open instrumentDebt-to-Income Calculator
Front-end and back-end debt-to-income ratios against the 28/36/43/50 thresholds, with the maximum housing payment and indicative loan capacity.
Open instrumentDepreciation Calculator
Build a depreciation schedule under straight-line, double-declining-balance or sum-of-years-digits, with book value by year.
Open instrumentDevelopment Feasibility
Residual land value after build cost, fees and profit.
Open instrumentDiscount Calculator
Apply one or two stacked discounts plus sales tax, and see the true effective markdown rather than the advertised percentages.
Open instrumentDistribution Waterfall
Whole-fund distribution waterfall: return of capital, preferred return, GP catch-up and the carried-interest split.
Open instrumentDividend Reinvestment Calculator
Dividend reinvestment modelled as a share count: income, the shares each dividend buys, and the value against taking the cash.
Open instrumentDown Payment Calculator
Time to reach a down payment target with monthly contributions, and the mortgage insurance cost at each LTV under the Homeowners Protection Act.
Open instrumentDSCR Calculator
Debt service coverage ratio, supported debt service at a covenant, and the loan that payment supports.
Open instrumentDual-Curve Swap Calculator
Price a swap with a term projection curve and an OIS discount curve, with the collateral basis against single-curve pricing.
Open instrumentDynasty Trust Calculator
Generation-skipping trust modelling across generations, with the inclusion ratio, GST on distributions and the state tax that survives the structure.
Open instrumentEmergency Fund Calculator
Months of cover your savings buy, the balance a real safety net needs, and how long a monthly deposit takes to close the gap.
Open instrumentEstate Tax Calculator
Federal estate tax from gross estate, deductions, exemption and portability, with annual gifting capacity.
Open instrumentExpected Loss Calculator
Expected loss from PD, LGD and EAD, with the loss rate and allowance buffer.
Open instrumentExpected Shortfall Calculator
Expected shortfall at any confidence for normal and fat-tailed books, against the 99% VaR, with the Basel 97.
Open instrumentFederal Income Tax Calculator
2025 federal income tax from gross income, pre-tax deductions and filing status, with the bracket table, effective rate and marginal rate.
Open instrumentFHA Loan Calculator
FHA monthly payment with the 1.
Open instrumentForex & Currency Calculator
Convert currencies and gauge cross-border FX liquidity.
Open instrumentFRTB GIRR Calculator
Weighted sensitivities aggregated with the GIRR correlation function, with the correlation matrix and the hedging benefit shown.
Open instrumentFund Metrics Calculator
TVPI, DPI, RVPI and net IRR for a fund or portfolio, with the IRR solved on dated cash flows rather than approximated.
Open instrumentFuture Value Calculator
What a lump sum and monthly contributions grow to.
Open instrumentGARCH Volatility Calculator
Forecast volatility with a GARCH model.
Open instrumentGDP & Macroeconomics Calculator
Estimate macroeconomic output and GDP components.
Open instrumentGift Tax Calculator
Federal gift tax with the $19,000 annual exclusion, the $13.
Open instrumentGRAT and IDGT Sale Calculator
Estate freeze structures compared: GRAT annuity and remainder against a sale to a defective grantor trust with a note at the AFR.
Open instrumentGST and Charitable Estate Calculator
Generation-skipping transfer tax, charitable bequest savings and trust administration drag.
Open instrumentHELOC Calculator
HELOC payment during the interest-only draw and the amortising repayment, with total interest and the payment step-up.
Open instrumentHeston Volatility Calculator
Price options under Heston stochastic volatility.
Open instrumentHJM Interest Rate Calculator
Model the forward interest-rate curve with the Heath-Jarrow-Morton framework.
Open instrumentHome Equity Loan Calculator
Home equity loan payment and combined LTV, with the borrowing capacity at the lender limit and a HELOC comparison.
Open instrumentHome Sale Proceeds Calculator
Net proceeds from a home sale after commission, the loan payoff and the §121 exclusion, with the capital-gains tax on any excess.
Open instrumentHouse Affordability Calculator
The home price your income, debts and down payment support, with DTI limits made explicit.
Open instrumentHousehold Cash Flow Plan
Year-by-year inflows and outflows across a household plan, with the home sale as a cash event.
Open instrumentHousehold Financial Plan
A multi-year household projection: income, spending, tax, three account buckets and drawdown on one timeline.
Open instrumentHSA Calculator
Project a health savings account against the IRS limit, with the income tax and payroll tax avoided and the after-tax value of the balance.
Open instrumentInflation Calculator
Convert nominal amounts into real purchasing power, and find the nominal return needed to beat inflation after tax.
Open instrumentInterest Rate Calculator
Solve the annual rate implied by a loan amount, a monthly payment and a term, by bisection on the amortising balance equation.
Open instrumentInterest Rate Swap Calculator
Annual net payment, NPV and break-even floating rate for a fixed-for-floating interest rate swap.
Open instrumentIRMAA and Medicare Premium Calculator
2026 Part B and Part D IRMAA tiers, the annual cost and the distance to the next cliff.
Open instrumentIRR Calculator
Find the internal rate of return of a cash-flow stream.
Open instrumentIRRBB Calculator
Interest-rate risk in the banking book: EVE, NII, the repricing gap and the Basel standardised scenarios.
Open instrumentJump-Diffusion Option Calculator
Price options with Merton jump-diffusion dynamics.
Open instrumentKelly Criterion Calculator
Growth-optimal stake from an edge, with the log-growth curve, fractional Kelly and the over-betting threshold.
Open instrumentLBO Calculator
Entry and exit multiples, debt package, equity cheque, MOIC and IRR for a leveraged buyout.
Open instrumentLife Insurance Needs
DIME: debt, income, mortgage, education, less existing assets.
Open instrumentLoan Payment Calculator
Monthly payment, total interest and full amortization schedule for any fixed-rate amortizing loan, with extra-payment payoff effects.
Open instrumentLocal Volatility Calculator
Dupire local volatility from a parametric implied surface, with the smile, the risk-neutral density and the local-vol grid.
Open instrumentLong-Term Care Cost
Inflated care costs against available assets and income.
Open instrumentM&A Accretion / Dilution
Pro forma EPS after synergies and financing cost.
Open instrumentMargin & Leverage Calculator
Calculate margin, leverage and liquidation levels for a position.
Open instrumentMarket Microstructure Calculator
Analyze high-frequency market microstructure signals.
Open instrumentMarkup & Margin Calculator
Convert between cost, selling price, markup on cost and gross margin on price, and see the profit per unit each way.
Open instrumentMarriage Penalty Calculator
Federal marriage penalty or bonus from the 2025 schedules, with the SALT cap that does not double and the income at which the penalty starts.
Open instrumentMBS Prepayment Calculator
Mortgage pool cash flows under the PSA prepayment model, with weighted average life, prepayment share and price at a discount rate.
Open instrumentMonte Carlo Simulation Calculator
Run Monte Carlo simulations of stochastic price paths.
Open instrumentMortgage Calculator
Monthly mortgage payment with taxes, insurance and HOA, plus the amortisation schedule, interest-to-principal split and rate sensitivity.
Open instrumentMortgage Payoff Calculator
See how extra monthly or one-time payments pay off your mortgage early and cut total interest.
Open instrumentMortgage Recast Calculator
Re-amortising the remaining balance over the original term.
Open instrumentMutual Fund Calculator
Fund growth net of the expense ratio, and what the fee costs.
Open instrumentNet Investment Income Tax
IRC §1411; thresholds are statutory and not indexed for inflation.
Open instrumentNet Worth Calculator
Build a personal balance sheet and read net worth alongside liquid net worth, leverage and liquidity share.
Open instrumentNPV Calculator
Discount a five-year cash-flow forecast to today: net present value, IRR, profitability index and discounted payback, with a sensitivity grid.
Open instrumentOption Pool Dilution
The pool is carved out before the round.
Open instrumentPayback Period Calculator
See how many years a project needs to repay its initial outlay, both on undiscounted and discounted cash flows, with interpolated fractions of a year.
Open instrumentPaycheck Calculator
Gross salary to take-home pay: federal brackets, social security, Medicare, state tax, pre-tax and post-tax deductions, per pay period.
Open instrumentPension Calculator
Project a defined-benefit pension's future payout.
Open instrumentPersonal Loan Calculator
Payment, total interest and the effect of an extra payment.
Open instrumentPMI Calculator
Monthly PMI from loan-to-value and rate, with the LTV path and the month automatic termination is reached.
Open instrumentPortfolio Optimization Calculator
Build the efficient frontier and optimize a portfolio (Markowitz mean-variance).
Open instrumentPresent Value Calculator
What a future amount is worth today at a discount rate.
Open instrumentProperty Pro Forma
Gross rent to NOI, cap rate, loan, cash-on-cash and DSCR for a rental property.
Open instrumentProperty Tax Calculator
Annual property tax from market value, assessment ratio, exemption and mill rate, with the monthly escrow and the effective rate.
Open instrumentPSLF Calculator
PSLF eligibility across all five rules, with the remaining payments, projected tax-free forgiveness and the cost of payments that did not qualify.
Open instrumentQBI Deduction (199A) Calculator
20% qualified business income deduction with the wage/property limit and the SSTB phase-out.
Open instrumentQuarterly Estimated Tax Calculator
Federal income and self-employment tax on the 2025 schedule, with the 90% and 100/110% safe harbours and the four quarterly instalments.
Open instrumentReal Estate Investment Calculator
Estimate rental yield and returns on a real-estate investment.
Open instrumentRefinance Calculator
Compare refinancing a loan against keeping your current one.
Open instrumentRegime-Switching Model Calculator
Model markets that switch between regimes (Hamilton Markov switching).
Open instrumentRent Affordability Calculator
How much rent you can afford under the HUD 30% threshold, the 40× landlord screen and the residual income method, with the binding rule identified.
Open instrumentRent vs Buy Calculator
Rent versus buy on net cost, with equity, appreciation, transaction costs and the opportunity cost of the down payment, and the year buying breaks even.
Open instrumentRetirement Calculator
Monte Carlo retirement projection with survival percentiles and market stress scenarios.
Open instrumentRetirement Plan Monte Carlo
Seeded Monte Carlo over the household plan: success rate, ending-balance percentiles and the effect of volatility.
Open instrumentRetirement Tax & Withdrawal
RMD, withdrawal order across taxable, tax-deferred and Roth accounts, 2025 federal brackets, taxable Social Security and the marginal cost of a Roth conversion.
Open instrumentRMD Calculator
Required minimum distributions year by year from the IRS Uniform Lifetime Table, with the SECURE 2.
Open instrumentROI Calculator
Net profit, return on investment and annualized ROI for any investment, with the cost base made explicit.
Open instrumentRoth IRA Calculator
Compare Roth and traditional IRA outcomes after tax, including contribution limits, growth and the tax rate at withdrawal.
Open instrumentRough Volatility Calculator
Model rough volatility with fractional Brownian motion.
Open instrumentRSU Calculator
Ordinary income at vest; flat supplemental withholding rate.
Open instrumentSABR Swaption Calculator
Price swaptions and build volatility smiles with the SABR model.
Open instrumentSalary to Hourly Calculator
Convert a salary to an hourly rate and back, with paid leave, holidays and overtime, reporting both the payslip rate and the rate per hour worked.
Open instrumentSales Tax Calculator
Add or extract US sales tax with state and local rates stacked, and split the tax by jurisdiction.
Open instrumentSavings Calculator
Compound growth of a savings balance with regular deposits, interest and inflation.
Open instrumentSavings Goal Calculator
Turn a target balance and a deadline into the monthly deposit required, after growing what you already have.
Open instrumentScenario DCF Valuation Calculator
Run best, base and worst-case DCF valuations side by side.
Open instrumentScenario Provision Calculator
Probability-weighted credit allowance across base, downturn and severe scenarios.
Open instrumentSelf-Employment Tax Calculator
Self-employment tax from net profit with the 92.
Open instrumentSequence-of-Returns Backtest
Replay a retirement plan against every 30-year window of real US equity returns since 1926: success rate, worst start year, drawdown and ending-balance spread.
Open instrumentSeries I Bond Calculator
Series I savings bond value from the fixed rate and semiannual inflation, with the Treasury composite-rate formula and the early-redemption penalty.
Open instrumentSharpe Ratio Calculator
Risk-adjusted performance for a return series: Sharpe, Sortino, Treynor and information ratio from annual return, volatility and drawdown.
Open instrumentSimple Interest Calculator
Simple interest on the original principal with no compounding, in years and months, with the daily accrual and the compound comparison.
Open instrumentSocial Security Claiming Calculator
Compare retired-worker claiming ages 62–70 using SSA birth-cohort full retirement ages, early reductions and delayed credits, with lifetime totals and break-even age.
Open instrumentState Estate Tax Calculator
Federal plus state estate tax, with valuation discounts and credit-shelter trust savings.
Open instrumentState Income Tax Calculator
State income tax on 2026 brackets for all 50 states and DC, with the standard deduction and marginal rate.
Open instrumentStudent Loan Calculator
Standard and extended student-loan repayment: monthly payment, total interest and the effect of extra monthly payments.
Open instrumentStudent Loan IDR Calculator
Income-driven repayment under IBR, PAYE, ICR and SAVE, with the forgiven balance, the tax on it and the total cost across plans.
Open instrumentStudent Loan Refinance Calculator
Compare refinancing student loans against the interest saved, with the PSLF and income-driven forgiveness forfeited by going private.
Open instrumentSwap Curve Calculator
Par curve interpolation, bootstrapped discount factors and swap NPV against the curve.
Open instrumentTax Return Analyzer (1040)
Build a 2026 federal return from income, gains, adjustments, deductions and credits, bracket by bracket.
Open instrumentTax-Loss Harvesting
Immediate tax saving and the time value of the deferral.
Open instrumentThree-Statement Model
Income statement, cash flow and balance sheet from one set of drivers.
Open instrumentTip Calculator
Tip on the pre-tax subtotal, total on the cheque, per-person split and the effective tip rate after tax.
Open instrumentTrade Execution Calculator
Plan optimal trade execution that balances cost against risk (Almgren-Chriss).
Open instrumentTraditional IRA Calculator
Traditional IRA deduction under the 2025 phase-out, with the after-tax value at retirement against the same outlay in a Roth.
Open instrumentTreasury Bill Calculator
Treasury bill price, discount and coupon-equivalent yield from the quoted discount rate and days to maturity.
Open instrumentTreasury Futures Hedge Calculator
Contracts needed to hedge a bond portfolio with Treasury futures, with residual exposure and rate sensitivity.
Open instrumentUK Income Tax Calculator
UK income tax, National Insurance and pension contributions, with the personal allowance taper and the 62% marginal band.
Open instrumentUK Mortgage Calculator
Repayment mortgage with a product fee.
Open instrumentUK VAT Calculator
UK VAT in both directions at the standard, reduced or zero rate, with the reclaimable cost and the registration threshold.
Open instrumentUnit Economics Calculator
LTV, CAC payback, LTV/CAC and net revenue retention from five inputs, with the churn sensitivity that shows why retention beats acquisition.
Open instrumentUnit Price Calculator
Compare packages of different sizes on price per unit, and price the quantity you actually need including leftover.
Open instrumentVA IRRRL Calculator
VA IRRRL payment saving and the 36-month recoupment test, with the 0.
Open instrumentVA Loan Calculator
VA mortgage payment with the 2.
Open instrumentValue at Risk (VaR) Calculator
Estimate Value at Risk and portfolio volatility.
Open instrumentVAT Calculator
Add or remove VAT or GST from a price, with the net, tax and gross amounts and the effective tax rate.
Open instrumentWACC Calculator
Blend after-tax cost of debt and CAPM cost of equity by capital structure to get the weighted average cost of capital used as a discount rate.
Open instrumentWorking Capital and Cash Cycle
Days inventory, days sales outstanding, days payable and the cash conversion cycle, with the cash the cycle ties up.
Open instrumentXVA Calculator
Funding, margin and capital valuation adjustments on one exposure profile, with and without a collateral agreement.
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