Finance & Tax

Loans, savings, taxes and everyday money questions, worked out step by step. Each calculator shows how the result is reached, so you can check it against your bank's or your tax office's figures.

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50/30/20 Budget Calculator Split your take-home pay into needs, wants and savings with the 50/30/20 rule or your own shares. See each group's amount and a check that the shares add up. Annuity Calculator Solve any one of the payment, present value, balance, rate or number of payments for a loan or savings, with a period-by-period schedule. APR to APY Calculator Turn a nominal yearly rate into the effective yearly rate (APY) for monthly, daily or continuous compounding, and back, with the monthly rate. Bond Yield Calculator Work out a bond's price from its yield, or its yield to maturity from the price, with accrued interest, current yield and Macaulay and modified duration. Break-Even Point Calculator Find how many units you must sell to cover your fixed costs, the revenue that takes and the contribution margin, with a chart of revenue against total cost. CAGR Calculator Find the compound annual growth rate between a start and end value over any number of years, or the end value a yearly rate gives. Yearly table included. Compound Interest Calculator See how savings grow with monthly or yearly deposits, interest added daily to yearly, tax on each year's interest and inflation. Year-by-year table included. Credit Card Payoff Calculator See how many months a card balance takes to clear with a fixed or a minimum payment, and the interest you pay. Month-by-month table and balance chart. Debt Payoff Planner Plan several debts with one monthly budget. Compare the snowball and avalanche methods: months to be debt-free, interest paid and the balance month by month. Debt-to-Income Ratio Calculator Work out your debt-to-income ratio from your monthly debt payments and gross monthly income. See where it sits against the CFPB guideline, with the steps shown. Dividend Reinvestment (DRIP) Calculator See how a holding grows when each dividend buys more shares (a DRIP): value, share count and a year-by-year table, against dividends paid out in cash. Dividend Yield and Payout Calculator Work out a share's dividend yield and payout ratio, and the dividend income of your shares, gross and net of a withholding rate you enter. Steps shown. Emergency Fund Calculator Work out your emergency fund target from your monthly essential costs. See the amount still to save, the 3 to 6 month range and how many months it takes. FIRE Calculator Find the savings you need to live on a yearly withdrawal, the years of saving to reach them and the age you get there. Uses the 4% rule, with a year table. Freelance Hourly and Day Rate Calculator Work out the hourly and day rate you need to keep your yearly income after business costs and tax. Enter your hours and days, and see the steps of the sum. Installment vs Cash Calculator Compare cash after a discount with monthly installments valued today at the rate you keep money at. See which costs less, by how much, payment by payment. Lease vs Buy Car Calculator Compare what a car costs to lease against buying it with a loan over the same term: total paid, the residual value and the saving, with the steps shown. Loan Amortization Schedule Calculator See every payment of a loan: principal, interest and balance month by month. Add an extra monthly payment to see the new payoff date and the interest saved. Loan Comparison Calculator Compare two or three loans side by side: monthly installment, total repaid, cost of credit and the APR including fees, and see which one is cheaper. Markup Calculator Turn a markup on cost into a selling price and profit per unit, see the margin that the same price gives, and compare markups and margins in a table. Net Worth Calculator Add up what you own and what you owe, item by item, and see your net worth: assets minus liabilities. A breakdown table shows each figure you entered. NPV and IRR Calculator Enter the yearly cash flows of an investment and a discount rate to get the net present value, the internal rate of return, and payback in years, with a table. Position Size Calculator Work out how many units to buy so that a loss at your stop-loss price costs a set share of your account. See the money at risk and the distance to the stop. Profit Margin Calculator Work out the gross margin, the markup and the profit per unit from a cost and a selling price, or the price you need for a target margin. Steps shown. Rent or Buy Calculator Compare buying a home with renting and investing the money you do not put down, year by year, with the break-even year and a chart. Enter your own figures. Rental Yield Calculator Work out the gross and net rental yield from a property's price, yearly rent and yearly running costs. See the income after costs and the working. ROI Calculator Work out the return on investment from what you paid and what you got back, and the yearly return over the time you held it. Steps and formulas shown. Rule of 72 Calculator Find how many years a sum takes to double at a yearly rate, or the rate that doubles it, with the rule of 72 and 70 beside the exact formula and a table. Salary Raise Calculator Enter your salary and one or more raises in percent or amounts. See the new salary, the total raise, and whether you gained after inflation. Steps shown. Savings Goal Calculator Find the monthly deposit you need to reach a savings goal in a set time, or how long your deposits take to reach it. Year-by-year balance table. Stock Average Cost Calculator Find the average cost per share from several purchases at different prices, with commission, the break-even price and the effect of one planned purchase. Successive Discount Calculator Apply several discounts one after another, with a coupon before or after them, to get the final price and the single equivalent discount, next to the wrong way. Unit Price Comparison Enter products with their price, quantity and pack count to see the price per kilogram, litre or piece, the cheapest one and the money saved on your amount. US Inflation Calculator See what a dollar amount was worth in another year or month, using the BLS consumer price index (CPI-U) back to 1913, with the price change and a yearly table. VAT Calculator Add VAT to or take it out of an invoice with several lines at different rates. Each line is rounded to the cent, with totals per VAT rate. XIRR Calculator Enter each cash flow with its date and get the annual return of irregular cash flows (XIRR), as Excel's XIRR function calculates it, with a table.

Nothing you enter leaves your browser. Results are estimates for planning: for a binding figure, ask your lender or a tax adviser.

Finance & Tax

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