Finance calculators

Loans, investing, and the math behind everyday money decisions.

Run the numbers on mortgages, loans, credit cards, investments, and retirement — with transparent formulas and editable assumptions.

Calculators

314

Topics: All Mortgage (23) Loans (11) Investing (65) Retirement (8) Budgeting (27)

Finance

Modified Internal Rate of Return (MIRR) Calculator

Compute the modified internal rate of return given the future value of all positive cash-flows compounded forward at the...

basic

13,358 4.4 1 min

Finance

Loan-to-Cost Ratio Calculator

Compute the loan-to-cost (LTC) ratio for a construction or value-add loan from the loan amount and the total project cos...

basic

13,169 4.5 1 min

Finance

Modified Duration from Macaulay Duration and YTM Calculator

Compute a bond's modified duration directly from its Macaulay duration and yield to maturity, given the coupon frequency...

basic

11,773 3.9 1 min

Finance

Contribution Margin Per Unit Calculator

Computes the contribution margin per unit (CM = selling price − variable cost per unit) and the contribution margin rati...

basic

11,467 5.0 1 min

Finance

Altman Z-Score for Public Manufacturers Calculator

Compute the Altman Z-score (1968) for predicting bankruptcy risk in publicly traded manufacturers. Z combines five ratio...

basic

8,271 4.2 1 min

Finance

Interest Tax Shield from Interest Expense and Tax Rate Calculator

Compute the annual interest tax shield — the value of deductibility of interest on debt: tax shield = interest expense ×...

basic

2,544 4.1 1 min

Finance

Forward Rate from Two Spot Rates Calculator

Compute the implied forward rate between two future periods from the corresponding zero-coupon spot rates: F = ((1 + s₂)...

basic

2,456 3.9 1 min

Finance

Sinking Fund Payment Calculator

Compute the periodic deposit (PMT) needed to accumulate a target future value (FV) by a target date, using the standard...

basic

2,137 4.1 1 min

Finance

Bond Modified Duration Calculator

Compute the Macaulay and modified durations of a vanilla annual-coupon bond from face value, coupon rate, yield-to-matur...

basic

24,296 4.2 1 min

Finance

Plowback (Retention) Ratio Calculator

Compute the plowback (retention) ratio — the share of earnings retained for reinvestment after dividends: retention = 1...

basic

23,391 4.2 1 min

Finance

Current Ratio Calculator

Compute a company's current ratio — a short-term liquidity measure: current assets / current liabilities. A ratio of 1.5...

basic

23,325 4.5 1 min

Finance

Net Operating Income (NOI) Calculator

Compute net operating income (NOI) for a rental / commercial property: gross potential income, less vacancy & credit los...

basic

21,391 4.9 1 min

Finance

Free Cash Flow to Firm (FCFF) Calculator

Compute the unlevered free cash flow available to all capital providers (debt and equity) of a firm: FCFF = Net income +...

basic

14,073 3.9 1 min

Finance

Price-to-Book (P/B) Ratio Calculator

Compute the price-to-book (P/B) ratio — a classic value-investing multiple comparing a stock's market price to its accou...

basic

13,615 4.5 1 min

Finance

Receivables Turnover Ratio and Days Sales Outstanding Calculator

Compute the receivables (accounts-receivable) turnover ratio = credit sales / average accounts receivable, and the resul...

basic

13,224 4.4 1 min

Finance

Equivalent Annual Cost (EAC) Calculator

Compute the equivalent annual cost (or annuity) of a project — the constant per-year cash flow that has the same present...

basic

12,192 4.4 1 min

Finance

Bond Accrued Interest (Actual/360) Calculator

Compute the accrued interest on a bond between the last coupon date and the trade-settlement date using the Actual/360 d...

basic

11,985 4.4 1 min

Finance

Days Inventory Outstanding (DIO) from COGS and Average Inventory Calculator

Compute Days Inventory Outstanding — the average number of days a company holds inventory before selling it. DIO = (aver...

basic

11,862 4.9 1 min

Finance

Emergency Fund Target Calculator

Compute the target dollar size of your emergency fund (months × monthly expenses) and how long it will take to fill from...

basic

10,893 4.6 1 min

Finance

Gordon Constant-Growth Stock Intrinsic Value Calculator

Compute the intrinsic value of a dividend-paying stock under the Gordon constant-growth assumption: P₀ = D₁ / (r − g), w...

basic

8,957 4.7 1 min

Finance

WACC (Weighted Average Cost of Capital) Calculator

Compute a firm's weighted average cost of capital (WACC) from the market values of equity and debt, the cost of equity,...

basic

8,784 3.8 1 min

Finance

Dividend Payout Ratio Calculator

Compute the dividend payout ratio of a company — the percent of net income returned to shareholders as dividends — from...

basic

7,529 4.1 1 min

Finance

College Cost Projection Calculator

Project future college costs by inflating today's annual tuition (plus room & board) at a chosen cost-growth rate, then...

basic

3,886 3.8 1 min

Finance

Accounts Payable Days (DPO) Calculator

Calculates Days Payable Outstanding (DPO) = AP / (COGS / Days), indicating how long a business takes to pay its invoices...

basic

3,209 4.6 1 min

Showing 121 to 144 of 314 results

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Finance calculators

Modified Internal Rate of Return (MIRR) Calculator

Loan-to-Cost Ratio Calculator

Modified Duration from Macaulay Duration and YTM Calculator

Contribution Margin Per Unit Calculator

Altman Z-Score for Public Manufacturers Calculator

Interest Tax Shield from Interest Expense and Tax Rate Calculator

Forward Rate from Two Spot Rates Calculator

Sinking Fund Payment Calculator

Bond Modified Duration Calculator

Plowback (Retention) Ratio Calculator

Current Ratio Calculator

Net Operating Income (NOI) Calculator

Free Cash Flow to Firm (FCFF) Calculator

Price-to-Book (P/B) Ratio Calculator

Receivables Turnover Ratio and Days Sales Outstanding Calculator

Equivalent Annual Cost (EAC) Calculator

Bond Accrued Interest (Actual/360) Calculator

Days Inventory Outstanding (DIO) from COGS and Average Inventory Calculator

Emergency Fund Target Calculator

Gordon Constant-Growth Stock Intrinsic Value Calculator

WACC (Weighted Average Cost of Capital) Calculator

Dividend Payout Ratio Calculator

College Cost Projection Calculator

Accounts Payable Days (DPO) Calculator