Calculators for investments, loans, and financial planning.
Our finance calculators help you plan investments, understand loans, and make smarter day‑to‑day money decisions.
Compute two-asset tangency portfolio weights that maximize Sharpe relative to a risk-free rate.
Visualize pairwise correlations between assets and identify clusters driving portfolio risk.
Compute CML slope and expected returns at target volatility given risk-free rate and market stats.
Estimate expected return using CAPM given beta, risk-free rate, and market return.
Measure average return difference between a fund and its benchmark over time.
Compare portfolio factor exposures to a benchmark to identify potential style drift.
Calculate rolling period returns (1-year, 3-year, 5-year) from a time series to assess performance consistency.
Calculate portfolio sector allocation and concentration risk from position weights and sector classifications.
Measure portfolio trading activity by calculating turnover ratio from purchases, sales, and average portfolio value.
Compute tax-equivalent yield for municipal bonds given tax-free yield, marginal tax rate, and taxable equivalent.
Match portfolio duration to liability duration for immunization, minimizing interest rate risk.
Analyze asset-liability matching for portfolios with future liabilities, ensuring cash flows align with obligations.
Calculate expected shortfall (CVaR) to measure tail risk and potential losses beyond VaR at a given confidence level.
Plan portfolio rebalancing by calculating target allocations, current drift, and required trades to restore target weights.
Calculate optimal position sizes based on portfolio value, risk tolerance, stop loss, and account risk percentage.
Calculate risk/reward ratio from entry price, stop loss, and target price to assess trade attractiveness.
Calculate optimal position size using the Kelly Criterion based on win probability and average win/loss ratio.
Calculate stop loss and take profit levels from entry price, risk amount, and risk/reward ratio for trade management.
Calculate maximum drawdown from portfolio value series to measure peak-to-trough decline and downside risk.
Calculate win rate, expectancy, and expected value from trade history to assess trading strategy performance.
Calculate compound annual growth rate (CAGR) from trade history, including returns, dates, and contributions.
Calculate position size based on target portfolio volatility, asset volatility, and correlation for risk targeting.
Calculate position size based on Average True Range (ATR) to set stop losses and manage risk relative to volatility.
Calculate positions needed to create a delta-neutral portfolio using options and underlying assets to hedge directional risk.
Calculate optimal hedge ratio for futures contracts to minimize basis risk and hedge spot positions effectively.
Calculate basis risk between spot and futures prices to assess hedging effectiveness and price convergence.
Calculate arbitrage profit from price differences between markets, assets, or instruments to identify trading opportunities.
Check put-call parity relationship between put and call options to identify arbitrage opportunities and verify option pricing.
Calculate fair value of futures contracts from spot price, interest rate, dividends, and time to expiration to identify pricing discrepancies.
Simulate option time decay (theta) over time to understand how option prices change as expiration approaches.
Calculate breakeven price for call and put options to determine the underlying price needed to profit at expiration.
Analyze returns from covered call strategies by calculating income, capital gains, and total return from selling calls against stock positions.
Calculate profit and loss for iron butterfly options strategies with multiple strike prices to analyze risk and reward.
Calculate profit and loss for straddle and strangle options strategies to analyze volatility trading opportunities.
Calculate the bridge between equity value and enterprise value by accounting for debt, cash, and other adjustments.
Calculate free cash flow to equity from net income, capital expenditures, and changes in working capital for equity valuation.
Get the global minimum variance allocation for two assets from volatilities and correlation.
Estimate overall portfolio beta to a benchmark from position weights and individual betas.
Measure maximum and current drawdown from a series of portfolio values or NAVs.
Approximate inverse-volatility risk parity allocations across up to three assets.
Assess property cash flow strength by comparing NOI to annual debt service.
Benchmark property price against annual gross rent using GRM.
Estimate value change given basis‑point moves in capitalization rates.
Find the minimum‑variance mix of two assets and explore correlation effects.
Solve two‑asset weights to reach a target expected return with minimal variance.
Estimate the maximum home price you can afford based on income, debts, down payment, and loan terms.
Project future property value with a constant annual appreciation rate and optional extra equity.
Compute gross and net rental yield after vacancy and operating expenses.
Estimate after-tax cash flow using NOI, interest, depreciation, principal, and tax rate.
Measure leverage by comparing loan balance to property value to get LTV ratio.
Simulate dividend reinvestment with recurring contributions to see compounding over time.
Analyze how profit changes with sales volume adjustments, given price, variable cost, and fixed costs.
Calculate operating cycle and cash conversion cycle from DIO, DSO, and DPO metrics.
Estimate COGS using the periodic inventory formula: Beginning Inventory + Purchases − Ending Inventory.
Compare gross and net profitability and understand margin drivers across revenue, COGS, and expenses.
Compute ROI for up to three segments and the overall weighted ROI to guide capital allocation.
Compute the annual cash flow required to achieve NPV = 0 at a chosen discount rate and horizon.
Estimate WACC for a chosen debt ratio and compare nearby leverage levels to inform financing policy.
Find the break-even quantity using price, variable cost per unit, and fixed costs.
Estimate payment reduction, breakeven time, and total savings from buying mortgage points.
Compare long-term costs and net position of renting versus buying a home under simplified assumptions.
Estimate price change from a credit spread move using spread duration and clean price.
Compute PVBP/DV01 from modified duration and clean price to manage rate risk.
Compute dollar duration (duration × price) for a 1% parallel yield move.
Compute Black–Scholes Greeks for calls and puts to assess option risk sensitivities.
Back out implied volatility from market option price using Black–Scholes inversion.
Estimate risk-neutral probability that an option expires in-the-money using Black–Scholes.
Analyze profit/loss for covered call and protective put strategies at various price scenarios.
Analyze profit/loss for iron condor and butterfly spreads at expiry across price scenarios.
Estimate initial and maintenance margin requirements for futures positions.
Calculate basis (futures minus spot) and compare to theoretical pricing based on cost of carry.
Compute cost of carry and theoretical futures price from spot, rates, storage, convenience yield, and dividends.
Compute current mark-to-market value of a forward contract from spot, forward price, rate, and time.
Estimate current value of an interest rate swap using fixed/floating rates, notional, and discount factors.
Estimate swaption value using Black model with forward swap rate, strike, volatility, and time to expiry.
Estimate expected credit loss from exposure at default, probability of default, and loss given default.
Estimate PD using Merton structural model from asset value, debt, volatility, and time horizon.
Estimate total exposure at default including drawn amounts and undrawn commitments using credit conversion factors.
Calculate loss given default from exposure, recovery amount or rate, and estimate total credit loss.
Compute EVA as NOPAT minus capital charge to measure true economic profit and value creation.
Calculate market value added as the difference between market value and book value of capital.
Calculate the cost of preferred stock from annual dividend, price, and flotation costs.
Calculate APV by adding tax shield value to base NPV for projects with financing effects.
Calculate how much emergency fund you need based on monthly expenses and desired coverage period.
Plan and track your monthly budget by income and expense categories.
Calculate how long it will take to reach your savings goal with current contributions and expected returns.
Compare wealth accumulation when starting early vs delaying investment by showing the cost of procrastination.
Calculate hours needed or monthly income potential from side work based on hourly rate and availability.
Calculate your FIRE number and timeline to financial independence using savings rate, expenses, and withdrawal rate.
Project future passive income from investments based on contributions, returns, and withdrawal rate.
Track progress toward investment goals, calculate remaining amount, and project future value.
Compare final value of lump sum investment versus systematic investment plan (SIP) over the same period.
Adjust your savings goals for inflation to determine the future value needed to maintain purchasing power.
Calculate future education costs, required savings, and projected fund value for your child\'s education.
Plan and track your wedding budget across all major expense categories.
Calculate down payment needed, remaining amount to save, and timeline to reach your home purchase goal.
Compare total cost of buying a car with a loan versus leasing to determine the better financial option.
Calculate credit utilization ratio to understand how much of your available credit you\'re using.
Compare debt snowball and avalanche repayment strategies to find the best approach for paying off multiple debts.
Estimate how debt ratios (utilization and DTI) impact your credit score and loan eligibility.
Calculate potential savings from transferring credit card balance to a card with lower APR or promotional rate.
Calculate interest-only payment amount and total interest for loans with interest-only periods.
Compare initial and maximum payments for adjustable-rate loans and estimate total interest costs.
Calculate break-even point in units and revenue where total costs equal total revenue (zero profit/loss).
Calculate contribution margin per unit or total to measure how much revenue contributes to covering fixed costs and profit.
Calculate degree of operating leverage to measure how operating income changes with sales volume changes.
Calculate growth rates, compound annual growth rate (CAGR), and forecast future financial values based on growth patterns.
Calculate working capital, working capital ratio, cash conversion cycle, and assess liquidity requirements for business operations.
Forecast future cash flows by projecting operating, investing, and financing cash flows over specified periods.
Calculate receivables turnover ratio and days sales outstanding to measure efficiency of credit sales collection.
Calculate inventory turnover ratio and days inventory outstanding to measure efficiency of inventory management.
Calculate payables turnover ratio and days payable outstanding to measure efficiency of supplier payment management.
Calculate fixed asset turnover ratio to measure efficiency of using fixed assets to generate sales revenue.
Calculate expected NPV, standard deviation, and risk measures for capital budgeting decisions using scenario analysis.
Compare project internal rate of return (IRR) with weighted average cost of capital (WACC) to evaluate project viability and value creation.
Compute PPP-implied exchange rate from domestic and foreign prices and compare to spot.
Check deviations from interest rate parity and infer covered arbitrage direction.
Convert forward vs spot into forward points and percentage premium/discount.
Estimate duration gap to assess asset-liability interest rate risk exposure.
Estimate convexity adjustment to translate forward bond price to futures price.
Compute the information ratio from active return and tracking error to assess benchmark-relative performance.
Estimate alpha relative to CAPM expected return using portfolio return, beta, market return, and risk-free rate.
Estimate the standard deviation of active returns from portfolio and benchmark series.
Assess how leverage changes ROE given ROA, debt cost, and tax rate.
Compute theoretical forward FX rates from spot and interest rates based on interest rate parity.
Compare actual portfolio return to CAPM-expected return, estimate alpha, and view beta-adjusted performance.
Find the minimum-variance weights for two risky assets based on volatility and correlation, with expected portfolio return and risk.
Generate efficient frontier points for two assets across weight combinations to explore risk-return trade-offs.
Quantify diversification benefit by comparing weighted average risk versus portfolio risk given correlation.
Compute a 3×3 correlation matrix from pasted return series to assess co-movement and diversification potential.
Compute current dividend yield and yield on cost for income investing analysis.
Estimate intrinsic value using Gordon constant-growth dividend discount model.
Shortcut to constant-growth DDM valuation using D1, required return, and growth.
See how share count and price change under split ratios while market value remains constant.
Compute weighted average cost basis across multiple purchase lots including fees.
Find the price needed to reach your desired return over a chosen holding period.
Determine the sale price per share to break even after commissions and taxes on gains.
Estimate gross gain/loss, tax owed on gains, and net proceeds from a sale.
Calculate annualized growth between beginning and ending values over time.
Compute total holding period return including income.
Combine multiple asset returns by portfolio weights.
Project the future value of your Systematic Investment Plan (SIP) or Dollar-Cost Averaging (DCA) strategy. See how regular, disciplined investing can help you reach your financial goals.
Calculate your monthly payment (EMI) for any loan, including mortgages, auto loans, or personal loans. Understand your repayment schedule with a detailed amortization graph.
Plan for your future by estimating your retirement corpus based on current savings, contributions, and expected returns. Find out if you are on track to meet your retirement goals.
Calculate the future value of an investment using the power of compound interest. Visualize how your savings can grow over time with different compounding frequencies.
Estimate your 401(k) growth by retirement, including your contributions, employer match, and investment returns. Visualize your path to a secure retirement.
Get a clear picture of your financial health by calculating your net worth. Track your assets and liabilities to understand your overall wealth and financial progress.
Find out how long it will take to pay off your credit card balance based on your monthly payment. See the total interest you\'ll pay and get a plan to become debt-free.
Estimate your monthly mortgage payment. See how principal, interest, and loan term affect your payment and view a detailed amortization schedule.
Understand your student loan repayment options. Calculate your monthly payment and the total interest you\'ll pay over the life of the loan.
See how the value of your money may decrease over time due to inflation. Understand the future purchasing power of your savings.
Determine your maximum allowed contribution for the current tax year based on your income, filing status, and age.
Calculate the current worth of a future sum of money. This is a fundamental concept in finance that allows you to evaluate whether an investment is worth making today by understanding what a future cash flow is worth in today\'s dollars.
Project the future worth of a current investment given a specific rate of return. This tool helps you visualize how your money can grow over time, demonstrating the power of compounding interest on your initial savings.
Determine the fixed periodic payment required for a loan or to reach a specified future savings goal. This is useful for understanding mortgage payments, car loans, or planning contributions for a retirement fund.
Calculate the present value of an infinite series of equal payments. While a theoretical concept, it is crucial in finance for valuing assets with indefinite cash flows, such as preferred stocks or certain types of real estate.
Value a stream of cash flows that is expected to grow at a constant rate, either for a finite number of periods (annuity) or indefinitely (perpetuity). This is useful for valuing dividend-paying stocks or rental income that is projected to increase over time.
Determine the difference between the present value of cash inflows and the present value of cash outflows over a period of time. A positive NPV indicates a profitable investment, making it a critical tool for capital budgeting.
Estimate the required rate of return for an investment using the Capital Asset Pricing Model (CAPM). This helps in assessing the risk and potential return of an asset compared to the overall market.
Estimate the intrinsic value of an investment or a company based on its expected future cash flows. DCF analysis helps you determine if an asset is undervalued or overvalued in the current market.
Determine the length of time required for an investment to generate cash flows sufficient to recover its initial cost. This is a simple way to assess the risk and liquidity of a project.
Calculate the P/E ratio to gauge a company\'s valuation, indicating how much investors are willing to pay per dollar of earnings. A key metric for value investing.
Determine a company\'s profitability on a per-share basis. EPS is a fundamental metric used in calculating the P/E ratio and assessing a company\'s financial health.
Measure how effectively a company is using its shareholders\' equity to generate profits. A high ROE can indicate strong management efficiency and profitability.
Evaluate how efficiently a company is using its total assets to generate earnings. ROA provides insight into a company\'s operational performance and asset management.
Calculate the percentage return on an investment relative to its cost. ROI is a universal metric for evaluating the profitability of any investment.
Measures a company\'s financial leverage by comparing its total liabilities to its shareholders\' equity. A higher ratio indicates more debt financing, which can mean higher risk but also potentially higher returns.
Shows how easily a company can pay the interest on its outstanding debt. A higher ratio indicates a better ability to meet its interest obligations, signaling lower risk to creditors and investors.
Evaluates a company\'s short-term liquidity by comparing all of its current assets to its current liabilities. It indicates a company\'s ability to pay back its short-term obligations.
Measures a company\'s ability to meet its short-term obligations with its most liquid assets, excluding less liquid inventory. It provides a more conservative measure of liquidity than the current ratio.
Indicates the liquidity available to a business to meet its short-term obligations. Positive working capital means you have enough assets to cover liabilities, while negative working capital can be a sign of financial trouble.
Measures the time it takes for a company to convert its investments in inventory and other resources into cash from sales, indicating working capital efficiency.
Calculates the cash a company generates after accounting for capital expenditures, showing the cash available for distribution to investors or to reinvest.
Determines the profitability of a company\'s core business operations before deducting interest and taxes, expressed as a percentage of revenue.
Calculates the percentage of revenue that exceeds the cost of goods sold (COGS), providing insight into a company\'s production efficiency.
Measures how much net income is generated as a percentage of revenue. It is the ratio of net profits to revenues for a company or business segment.
Measure a company\'s earnings before interest, taxes, depreciation, and amortization (EBITDA) or before only interest and taxes (EBIT).
Represents the total value of a company, including debt and cash, often used in valuation.
Key valuation multiples comparing Enterprise Value (EV) to EBIT or EBITDA.
Evaluates risk-adjusted return of an investment.
Similar to Sharpe ratio but penalizes only downside risk.
Measures risk-adjusted return based on systematic risk (beta).
Indicates the excess return of an investment relative to its expected performance based on market risk.
Measures the dispersion of returns around the mean.
Measures the strength and direction of relationship between two assets\' returns.
Measures an asset\'s volatility relative to the market (systematic risk).
Measures the overall risk (variance) of a multi-asset portfolio.
Estimates the weighted average expected return of a portfolio.
Calculates the expected return of an asset using market risk.
Computes a firm\'s average cost of capital from equity and debt.
Examines how changing debt levels affect a company\'s return on equity or earnings per share.
Determines the theoretical value of a European call or put option.
Shows the profit or loss of a call or put at different underlying prices at expiration.
Prices options using a multi-period binomial tree.
Uses random sampling to estimate the probability distribution of future portfolio values.
Estimate the maximum potential loss a portfolio could experience over a specific time period.
Measure the average loss that can be expected if the VaR threshold is breached.
Calculate the total annualized rate of return an investor will earn if they hold a bond to maturity.
Calculate the fair market price of a bond based on its characteristics and current market yield.
Measure a bond\'s price sensitivity to changes in interest rates.
Measure the curvature in the relationship between a bond\'s price and its yield for a more accurate risk estimate.
Measure the difference in yield between two bonds, often to quantify credit risk.
Calculate the yield of a callable bond assuming it is redeemed early.
Determine the fair price of a bond that does not pay periodic interest.
Quickly estimate an investment\'s return after accounting for inflation.
Precisely calculate an investment\'s return after accounting for inflation using the Fisher Equation.
Determine the cushion between a company\'s current sales and its break-even point.
Establish a rate to apply indirect manufacturing costs to products.
Allocate overhead costs more accurately based on specific activities.
Calculate asset depreciation evenly over its useful life.
Calculate accelerated depreciation for an asset.
Calculate accelerated depreciation using the Sum-of-the-Years-Digits method.
Calculate tax-deductible depreciation for US tax purposes.
Create a detailed payment schedule for any loan.
Calculate the time required to recover the initial cost of a project.
Analyze how changing one variable impacts a financial model\'s outcome.
Evaluate a project\'s financial outcome under different scenarios (pessimistic, optimistic, and base case).
Convert a monetary amount from one currency to another based on a given exchange rate.
Quantify the potential gain or loss on a foreign currency holding due to exchange rate fluctuations.
Compare the total interest cost of a loan under a fixed rate versus a projected floating rate.
Calculate the difference between a swap rate and a benchmark government bond yield.
Calculate the settlement payment for a Forward Rate Agreement.
Derive the market\'s inflation expectation from bond yields.
Conceptually illustrate how a CDS premium is determined.
Check for arbitrage opportunities using Put-Call Parity.
Calculate margin requirements, leverage ratios, and risk metrics for leveraged trading positions. Assess margin call risk and optimize capital utilization.
Calculate maintenance margin requirements, assess margin call risk, and optimize your leveraged trading positions for better risk management.
Calculate loan amortization schedules with extra payments to save interest and pay off loans faster. See the impact of additional payments on your loan.
Calculate balloon payment loans with lower monthly payments and large final payments. Assess balloon payment risk and plan for loan payoff.
Calculate graduated payment mortgages with lower initial payments and increasing payments over time. Assess GPM risk and plan for payment increases.
Project how ARM interest rates and monthly payments may change after the fixed period given index, margin, caps, and adjustment intervals.
Compare your current mortgage vs a new refinance. See new payment, lifetime interest, breakeven point, and total savings after closing costs.
Estimate your home equity, combined loan-to-value (CLTV), and potential HELOC or home equity loan amount based on lender LTV limits.
Compute cap rate from purchase price and net operating income (NOI). Optionally derive NOI from rent and expenses.
Estimate cash-on-cash return based on cash invested, financing terms, and annual cash flow from operations.
Estimate equity value using residual income model: book value plus present value of residual income.
Calculate adjusted book value of equity by modifying reported book value to reflect economic reality through goodwill, intangible, and other adjustments.
Estimate company value using comparable company valuation multiples including EV/Revenue, EV/EBITDA, and P/E ratios.
Calculate pre-money and post-money valuations, ownership percentages, and dilution for startup funding rounds.
Calculate startup runway - how long your cash will last based on current cash balance and monthly burn rate.
Calculate startup runway accounting for revenue growth projections. Projects cash flow over time as revenue increases, showing path to profitability.
Compare gross burn rate (total expenses) vs net burn rate (expenses minus revenue) for SaaS companies. Analyze revenue coverage and path to profitability.
Calculate startup burn rate - monthly cash consumption rate based on cash balance changes over time.
Calculate life insurance coverage needs based on income replacement, debts, final expenses, education funds, and emergency fund requirements.
Compare term life and whole life insurance costs, cash value, and break-even analysis to make informed insurance decisions.
Estimate life insurance premiums based on age, gender, coverage amount, term length, health status, and smoking status.
Compare term insurance and ULIP (Unit Linked Insurance Plan) to find break-even point and analyze investment value vs cost.
Calculate human life value - the economic value of a person\'s life based on present value of future earnings minus expenses.
Calculate disability insurance coverage needs based on income, expenses, spouse income, and existing coverage.
Calculate critical illness insurance benefit needs based on income, expenses, treatment costs, and recovery period.
Calculate health insurance premium affordability based on income, expenses, premiums, deductibles, and out-of-pocket maximums.
Estimate out-of-pocket maximum costs and assess affordability based on deductible, coinsurance, copays, and expected medical costs.
Calculate long-term care costs and insurance needs based on care duration, monthly costs, inflation, and existing coverage.
Calculate homeowners insurance coverage needs including dwelling, personal property, and liability coverage based on home value and replacement cost.
Calculate renters insurance coverage needs including personal property, liability, and additional living expenses coverage.
Calculate car insurance coverage needs based on vehicle value, net worth, state requirements, and financing status.
Compare deductible and premium options to find the optimal balance between cost savings and risk tolerance.
Calculate insurance replacement value and actual cash value based on replacement cost, age, and useful life.
Calculate probability of claim impact using single loss expectancy (SLE) and annual loss expectancy (ALE) based on asset value, exposure factor, and annual rate of occurrence.
Calculate insurance reserve requirements including ultimate losses, total reserves, and IBNR reserves using expected loss ratio method.
Calculate expected loss from insurance risk based on probability of loss event and loss severity.
Calculate insurance loss ratio based on incurred losses and earned premiums to evaluate underwriting performance and profitability.
Calculate combined ratio for insurance profitability by combining loss ratio and expense ratio to assess underwriting performance.
Calculate Value-at-Risk (VaR) using historical simulation method based on portfolio value, historical returns, and confidence level.
Backtest Conditional Value-at-Risk (CVaR) models by comparing predicted CVaR against actual losses to assess model accuracy and tail risk capture.
Simulate portfolio stress testing by evaluating portfolio performance under extreme but plausible market shock scenarios.
Perform Monte Carlo simulation for scenario analysis to estimate potential losses and assess risk using random sampling and probability distributions.
Calculate probability of ruin for insurance companies based on initial surplus, premium rate, claim arrival rate, and average claim size.
Calculate Total Cost of Risk (TCOR) including insurance premiums, retained losses, risk control costs, administrative costs, and indirect costs.
Calculate insurance portfolio loss distribution based on expected claim frequency, average claim severity, and claim severity standard deviation.
Calculate expected loss from loss frequency and average severity for insurance and risk management.
Calculate risk exposure (VaR) at different confidence levels based on portfolio value, volatility, time horizon, and confidence level.
Calculate catastrophe ratio and average annual loss for catastrophic event risk assessment.
Calculate solvency margin, available solvency margin, and solvency ratio for insurance companies.
Calculate Risk-Based Capital (RBC) requirement for insurance companies based on asset risk, insurance risk, interest rate risk, and business risk.
Calculate reinsurance retention and cession amounts for quota share and surplus share treaties.
Calculate insurance premium including expected losses, expenses, profit margin, and risk loading factor.
Calculate expected utility of wealth for decision-making under uncertainty using different utility functions.
Calculate certainty equivalent and risk premium for evaluating risky investments and prospects.
Calculate absolute and relative risk aversion coefficients using Arrow-Pratt measures for different utility functions.
Calculate optimal insurance deductible using break-even analysis to balance premium savings and out-of-pocket risk.
Calculate risk tolerance score based on financial goals, time horizon, personal attitude, and other risk factors.
Analyze investment biases including anchoring and overconfidence to improve investment decision-making.
Calculate optimal asset allocation for goal-based investing based on goal amount, time horizon, required return, and risk tolerance.
Segment budget into mental accounts for better spending control and financial management using mental accounting principles.
Simulate loss aversion impact on financial decisions using prospect theory to understand how losses are perceived relative to gains.
Assess comprehensive risk profile by evaluating risk capacity, risk tolerance, and risk need to determine appropriate investment strategy.
Assess your financial stress level through self-assessment of bill paying ability, emergency funds, debt burden, income stability, and financial control.
Calculate the long-term opportunity cost of lifestyle inflation by determining the future value of increased spending if invested instead.
Calculate the opportunity cost of delaying financial decisions, showing how postponement impacts wealth accumulation through lost compound growth.
Analyze spending habits by splitting expenses into needs vs wants and comparing against the 50/30/20 budgeting rule.
Project future wealth with behavioral adjustments such as increased savings rates to show the impact of behavior changes on wealth accumulation.
Calculate equity value from enterprise value using the EV bridge by adjusting for debt, cash, preferred equity, minority interest, and investments.
Value a company using comparable company analysis by applying trading multiples (EV/Revenue, EV/EBITDA, EV/EBIT) from similar companies.
Value a company using precedent transaction analysis by applying transaction multiples from past M&A deals, which include control premiums and synergies.
Create a sensitivity grid for DCF valuation showing how enterprise value changes across different discount rate and terminal growth rate assumptions.
Calculate terminal value using the Gordon Growth Model (perpetuity growth model) for DCF valuation.
Calculate terminal value using exit multiple method (EV/EBITDA or EV/Revenue) for DCF valuation.
Calculate weighted average exit multiple by weighting multiple exit multiples based on their relative importance or relevance.
Value a company using Sum-of-the-Parts (SOTP) method by valuing each business segment separately and summing those values.
Estimate synergy value in M&A transactions by calculating NPV of cost and revenue synergies minus integration costs.
Calculate accretion/dilution analysis for M&A transactions, assessing how deals affect acquiring company EPS.
Calculate deal value from enterprise value using the deal value bridge, adjusting for cash, debt, working capital, and debt-like items.
Allocate purchase price among assets and liabilities based on fair values, calculating goodwill and net identifiable assets in business combinations.
Calculate goodwill impairment loss when carrying value exceeds fair value, testing for impairment under accounting standards.
Calculate intangible asset amortization using straight-line method, allocating asset cost over useful life.
Calculate stock-for-stock M&A exchange ratio from offer price and acquirer share price.
Calculate MOIC and IRR for leveraged buyout investments based on exit value and holding period.
Build LBO debt repayment schedules with amortization, optional prepayments, and interest expense.
Calculate IRR for PE/VC deals using detailed cash flows, exit value, and holding period.
Estimate IRR from exit multiple and holding period for PE/VC investments.
Optimize debt/equity mix by calculating WACC and leverage metrics.
Calculate post-money valuation and ownership percentages from pre-money valuation and investment.
Estimate founder dilution from a funding round based on pre-money valuation and raise size.
Calculate SAFE/note conversion price, shares issued, and ownership using cap/discount terms.
Calculate SAFE (Simple Agreement for Future Equity) conversion price, shares issued, and ownership using valuation cap and discount. No interest—principal only.
Calculate convertible note conversion including accrued interest. Converts principal + interest at the lesser of cap or discount price.
Generate a simplified cap table showing ownership percentages for founders, option pool, and investors.
Size an option pool pre- or post-money and see dilution across founders, investors, and employees.
Estimate runway, burn after savings, and runway extension from new capital.
Calculate burn multiple, period burn, and cash-to-ARR efficiency.
Compute net new ARR, growth percentage, and annualized CAGR over any period.
Calculate ending MRR, net new MRR, growth rate, and net dollar retention.
Calculate CAC and adjusted CAC including onboarding costs to measure acquisition efficiency.
Calculate Net Revenue Retention from beginning ARR, expansion, contraction, and churn. NRR above 100% means expansion from existing customers exceeds churn.
Calculate Customer Acquisition Cost and adjusted CAC from sales and marketing spend and new customers. Pair with LTV and payback for unit economics.
Calculate how many months it takes to recover CAC from monthly gross profit per customer. Essential SaaS unit economics metric.
Calculate monthly burn multiple: net burn in a month divided by net new ARR in that month. Measures capital efficiency.
Calculate LTV using ARPA, gross margin, churn rate, and discount rate.
Calculate CAC payback period from CAC and monthly gross profit per customer.
Calculate potential savings by switching from brand-name prescription drugs to generic equivalents over time.
Estimate cost savings for medical procedures abroad including travel, accommodation, and improved purchasing power.
Compare the long-term costs of dental implants versus bridges or dentures to find the break-even point.
Calculate the financial impact of delayed insurance claim payouts, including inflation loss and opportunity cost.
Calculate your tax savings by paying health insurance premiums with pre-tax dollars through an employer plan.
Calculate the depreciation of medical equipment over time using Straight Line or Double Declining methods.
Compare the cost of regular preventive checkups vs the potential cost of treating undetected conditions.
Estimate the lifetime financial impact of a chronic condition including medications, visits, and inflation.
Compare the total cost of surgery across different countries including travel and accommodation expenses.
Measure the difference between an investment\'s potential return and the investor\'s actual return to quantify the cost of emotional decision-making.
Calculate the long-term financial impact of compulsive buying habits and see how much you could save or invest.
Assess your overall financial wellness based on savings, debt, insurance, and investment metrics.
Project how small, daily money habits compound over time to create significant wealth.
Determine how much you can afford to pay for insurance premiums without compromising your budget.
Measure your psychological readiness and confidence level for investing based on your knowledge and risk perception.
Estimate your final medical bill after insurance payments, deductibles, coinsurance, and out-of-pocket maximums.
Project your total annual out-of-pocket healthcare costs based on premiums, usage, and plan details.
Track the consistency of your savings and investment contributions to build long-term financial discipline.
Calculate the Return on Investment (ROI) of career decisions like education, certification, or job changes.
Compare health insurance plans to find the breakeven point between higher premiums and lower deductibles.
Visualize how delaying purchases and investing the money instead can grow your wealth over time.
Compare the long-term costs of proactive dental care versus reactive treatment of issues.
Estimate your eligibility for government health insurance subsidies based on income and household size.
Identify potential "donut holes" or coverage gaps in your health insurance plan.
Estimate the potential out-of-pocket cost of a hospital stay based on procedure type and insurance coverage.
Calculate the tax savings and potential investment growth of using a Health Savings Account (HSA).
Estimate the future cost of long-term care services like nursing homes or assisted living.
Calculate the annual cost of your prescriptions and compare generic vs. brand name savings.
See how finding a higher savings rate can dramatically shorten the time to reach your financial goals.
Analyze your spending habits to identify leakages and opportunities for saving.
Calculate startup runway with a dynamic hiring plan to see how headcount growth impacts cash flow.
Estimate your monthly burn rate and runway based on detailed expenses for early-stage startups.
Calculate the sales volume needed to cover all fixed costs and debt payments to achieve positive cash flow.
Calculate when your startup reaches cash flow break-even: revenue covers operating expenses. Uses current revenue and monthly growth rate.
Calculate how many months your pre-revenue startup can run on current cash at a given monthly burn rate. Runway = cash ÷ burn.
After closing a round: see cash at close (burn until close), extended runway from new capital, and optional post-raise burn. Startup-specific.
See founder ownership and dilution after a single funding round. Optional pre-money option pool. Startup-specific.
Suggest co-founder equity split from idea, time, capital, and lead role. Startup-specific. Use as a starting point and document with vesting.
Compare pre-money vs post-money: post-money valuation, investor ownership %, and price per 1%. Optional second scenario for side-by-side comparison. Startup-specific.
See how creating or expanding an employee option pool dilutes existing shareholders. Enter shares outstanding and new ESOP pool % to get post-ESOP fully diluted shares and dilution %.
See how new hires affect runway. Enter current cash, monthly burn, cost per hire, and number of hires to get new runway and months lost. Optional one-time cost per hire.
See how additional marketing spend affects runway. Enter current cash, monthly burn, and additional monthly marketing spend to get new runway, months lost, and percentage impact. Optional one-time campaign cost.
Calculate startup unit economics: LTV (Lifetime Value), LTV:CAC ratio, CAC payback period in months, contribution margin per customer, and customer lifetime. Uses ARPU, gross margin %, monthly churn %, and CAC.
Calculate bootstrapped startup growth: months to reach target monthly revenue at compound monthly growth rate, revenue at 6/12/24 months, and optional profit/reinvestment capacity. No external funding assumed.
Calculate emergency fund target for single-income households: recommended 6–12 months of essential expenses, no backup earner. Includes housing, food, utilities, debt, insurance, and risk factors (income stability, dependents).
Calculate emergency fund target for dual-income families: recommended 3–9 months of essential expenses when one income can cover while the other searches. Includes housing, food, utilities, debt, insurance, and risk factors (earner stability, dependents).
Calculate emergency fund target for freelancers: recommended 6–12+ months of essential expenses given variable income, no employer benefits, and client concentration risk. Includes housing, food, utilities, debt, insurance, and freelancer-specific risk factors.
Calculate emergency fund target for business owners: recommended 6–12+ months of personal essential expenses given income tied to business, revenue concentration, and industry risk. Includes housing, food, utilities, debt, insurance, and business-owner risk factors.
Assess paycheck-to-paycheck risk: expense-to-income ratio, months of buffer from liquid savings, and risk level. See how close income is to covering essential expenses and how much buffer you have.
Calculate the gap between required monthly savings to reach a goal and your current monthly savings. See how much more to save per month or how long it would take at your current rate.
See how lifestyle inflation—spending more as income rises instead of saving the raise—impacts your savings. Compare income and savings rate before vs after a raise.
See how much less you end up with if you delay starting to save by one year. Compares future value starting now vs starting in 1 year.
See how side income boosts your savings. Enter current savings, side income, and % to save; get additional monthly and annual savings and months sooner to goal.
Compare two ways to add the same amount to monthly savings: cut expenses (1:1) or increase income. Shows exact expense cut or gross income needed with optional marginal tax rate.
Compare future value of investing the same total as lump sum at start vs equal monthly SIP. Same cash outlay, same period, same return; only timing differs.
Calculate the dollar cost of delaying a lump-sum investment by X years. Same lump sum, same end date—compare FV if you invest now vs after the delay.
Convert nominal (stated) return to real (inflation-adjusted) return. See purchasing power growth and optional future value in today's dollars.
See how much your portfolio allocation has drifted from target when you do not rebalance. Enter initial value, target % stocks, returns, and years.
Compare terminal value with rebalancing (annual, semi-annual, quarterly, monthly) vs without rebalancing. See the impact of rebalancing frequency on portfolio value.
See how the order of returns affects a portfolio with withdrawals. Compare bad years first vs good years first—same average return, different outcome.
See how much future growth you give up by withdrawing money early. Enter amount withdrawn, expected return, and years remaining—get the compounding loss in dollars.
Compare after-tax proceeds from selling an asset as long-term vs short-term capital gain. See how much more you keep with long-term rates.
See how taxes reduce your investment return. Enter nominal return, dividend yield, and tax rates on dividends and capital gains—get after-tax return and optional FV impact.
Project long-term portfolio growth with dividend reinvestment (DRIP). Enter initial investment, contributions, yield, dividend growth rate, and price appreciation—get future value, total dividends, shares accumulated, and effective CAGR.
Find your retirement shortfall or surplus. Enter age, target income, savings, contributions, return and inflation—get required nest egg, projected savings, gap, and monthly savings to close the gap.