Calculators for investments, loans, and financial planning.
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.