Finance
Rates, payback, DTI, and cash targets on this device.
VAT / Tax Calculator
Add or extract a tax rate.
Loan Calculator
Payment by schedule, with optional extras.
Compound Interest Calculator
Project compound growth with optional contributions.
Amortization Schedule
Payment schedule with optional extras.
Markup Calculator
Cost plus a markup percent to retail.
Rule of 72
Years to double at a rate, or rate for a target years.
Hourly to Salary
Turn an hourly rate into weekly and annual pay.
Simple Interest
Principal times rate times years.
CAGR Calculator
Compound annual growth rate between two values.
Stamp Duty Estimator
Estimate stamp tax from document type and amount.
Amount to Chinese RMB Words
RMB uppercase with yuan/cents.
FVIFA Factor
Annuity future-value factor ((1+r)^n−1)/r.
Bond YTM
Approximate annual yield to maturity.
Labor Remuneration Tax
Labor tax with bracket rate.
Loan True APR (with fees)
Estimate APR from principal, interest, fees, and term.
Name + ID Batch Check
Batch name,id lines — checksum only, not a police match.
Wage Cumulative Withholding
Estimate this-period wage tax from YTD income and deductions.
Chart of Accounts Lookup
Search common enterprise account codes and debit/credit side.
Break-Even Calculator
Units needed to cover fixed costs.
Savings Goal
Monthly deposit to reach a future amount.
APR to APY
APR to APY with period rate and spread.
Payback Period
Years until cash recovers cost.
Debt-to-Income Ratio
DTI percent with favorable/borderline tip.
Emergency Fund Target
Cash target plus implied daily spend.
Down Payment Split
Down, loan amount, and implied LTV.
Simple ROI
Profit, ROI %, and money multiple.
Cap Rate
Cap rate with NOI month and payback.
Loan to Value
LTV percent and equity percent.
Cash on Cash
Cash-on-cash with multiple.
Real Return
Real return with inflation drag.
Savings Rate
Savings rate with spend.
Inflation Adjust
Future dollars that match today's buying power.
Present Value
Discount a future lump sum.
Interest-Only Payment
Interest-only with annual/daily.
Debt Ratio
Debt ratio with equity/leverage.
Price-to-Rent
Price-to-rent with year/month.
After-Tax Return
After-tax return with keep %.
Net Worth
Assets minus debt with positive/negative tip.
Future Value
Compound growth of a lump sum.
Dividend Yield
Annual yield % and quarterly dividend.
P/E Ratio
P/E and earnings yield percent.
Gross Rental Yield
Gross yield with monthly views.
Commission
Sales amount times commission percent.
Remaining Loan Balance
Principal left after N payments.
Profit Margin %
Profit over revenue as percent.
Current Ratio
Current ratio with surplus and tip.
Quick Ratio
(Assets − inventory) / liabilities.
Debt to Equity
Debt/equity with share %.
Earnings Yield
Earnings yield % from P/E; echoes P/E.
Future Value of Annuity
FV of equal monthly payments.
Present Value of Annuity
PV of equal monthly payments.
Doubling Time
Rule-of-70 style doubling years, months, days.
Sales Tax Add
Add a tax percent to an amount.
Markup from Margin
Markup % from margin with tip band.
Interest Coverage
Interest coverage with tip.
Inventory Turnover
Inventory turns with days on hand.
Days Sales Outstanding
DSO with turnover.
Discount Stack
Apply two discounts in sequence.
Price Ex Tax
Back out tax from a gross price.
APY to APR
APY to APR with spread.
Contribution Margin
Price minus variable cost.
Break-Even Price
Price to cover fixed and variable costs.
Payment Split
Split a total among people.
ROI Multiple
ROI multiple with profit.
Operating Margin
Operating margin with inputs.
Asset Turnover
Asset turnover with inputs.
Equity Multiplier
Equity multiplier with inputs.
Working Capital
Working capital with tip.
Gross Margin %
Gross profit over revenue.
Tip Split
Tip a bill then split the total.
Price Inc Tip
Add a tip percent to a bill.
Margin of Safety
Sales cushion above break-even.
Cost-Plus Price
Price from cost and markup %.
Revenue per Employee
Revenue per employee with headcount.
Net Profit Margin
Net margin with inputs.
Return on Assets
ROA with inputs.
Return on Equity
ROE with inputs.
Quick Assets
Quick assets with inventory share.
Inventory Days
Inventory days with turns.
Receivable Turnover
Receivable turns with DSO.
Fixed Charge Coverage
(EBIT + fixed) / (interest + fixed).
Sales Growth
Sales growth with delta.
Price per Unit
Price per unit with totals.
Discount Amount
Savings from a discount %.
Tax Inclusive Split
Split gross into net and tax.
Effective Tax Rate
Effective tax rate with keep.
Profit per Unit
Price minus cost per unit.
Net from Markup
Price and profit from cost markup.
Break-Even Units at Price
Units needed at a given price.
Unit Contribution
Price minus variable cost.
Variable Ratio
Variable cost over price %.
Fixed Cost per Unit
Fixed costs divided by units.
Markup Dollars
Markup amount and percent from cost/price.
Discount Rate from Prices
Discount % from list and sale price.
Name + ID Format (Single)
One name + ID checksum — not a police-database match.
Name + ID + Phone Format
Three-field format check. Bad mobile numbers fail.
Manual FX Convert
Amount × the rate you type. No live quotes.
Mortgage Affordability
Max loan from income, rate, years, DTI.
Rent vs Buy
Rough rent total vs buy+interest over years.
Loan Comparison
Compare two fixed loans’ payments.
Refinance Savings
Old vs new rate on remaining balance.
Customs Duty
Duty + VAT on declared value.
Salary Hike
Delta and percent between two salaries.
50/30/20 Budget
Split income into needs/wants/savings.
Compound Frequency
Compare annual/monthly/daily/continuous FV.
Savings Goal Months
Months to hit a savings goal.
VAT from Gross
Back out net and VAT from a gross price.