Financial Calculators
Free, professional-grade financial calculators to help you make informed investment and planning decisions
Most Popular Calculators
The six calculators people find and use most on Google, based on Search Console clicks over the last three months.
Portfolio Volatility Drag Calculator
Understand how volatility reduces actual portfolio returns through geometric vs. arithmetic return differences.
Required Win Rate Calculator
Find your breakeven win rate based on risk-reward ratio and trading expectancy.
Core-Satellite Portfolio Calculator
Design an optimal portfolio strategy balancing passive core holdings with active satellites.
Inflation Break-Even Calculator
Calculate the real purchasing power of your savings and the returns needed to beat inflation.
Sequence of Returns Risk Calculator
See how the order of returns impacts retirement withdrawals and portfolio survival.
Portfolio Concentration Risk Calculator
Measure single-position exposure and diversification quality (effective positions).
All Calculators
Browse our complete collection of financial calculators organized by category.
Investment Planning
Retirement
Real Estate
Mortgage vs Investing Calculator
Compare extra mortgage payments with investing the same monthly budget, with a return sensitivity table.
Mortgage Calculator
Monthly mortgage payment with taxes, insurance, PMI and HOA, yearly cost growth, dated extra payments, a biweekly comparison and a full schedule.
Amortization Calculator
Monthly or yearly amortization schedule with dated extra payments, a with-and-without comparison and a downloadable CSV.
Debt-to-Income Ratio Calculator
Front-end and back-end DTI from gross income, housing and required debt payments, with a replacement-housing comparison.
House Affordability Calculator
Estimate a house price from income and debts or from a fixed monthly budget, with costs, cash needed and higher-rate scenarios.
Rent Affordability Calculator
Rent budget from income and debts, with a take-home cash-flow check, housing extras and an estimate of move-in cash.
Investment Strategy
Portfolio Management
Portfolio Rebalancing Calculator
Split new contributions across assets without selling, or calculate the buys and sells that restore your target allocation.
VaR & CVaR Calculator
Value at Risk and Expected Shortfall from your returns or from mean and volatility.
Core-Satellite Portfolio Calculator
Design an optimal portfolio strategy balancing passive core holdings with active satellites.
Debt Management
Loan Payment Calculator
Monthly payment, interest saved by extra payments and an estimated APR with included fees, with a full schedule you can export.
Debt Payoff Calculator
Compare debt avalanche vs snowball strategies to eliminate debt faster.
Mortgage Payoff Calculator
Start from your current balance and test monthly, annual or one-time extra payments, or a target payoff month.
Balance Transfer Calculator
Keep a credit-card balance or transfer it: fee, promotional APR, later APR and the same monthly payment compared.
Refinance Break-Even
Compare a refinance with your current loan, fees counted once: cash-cost recovery, balance-adjusted break-even and reversal warnings.
Financial Planning
Professional Tools
Risk Management
Portfolio Drawdown Recovery Calculator
Calculate the return you need to recover from portfolio losses and drawdowns.
Portfolio Concentration Risk Calculator
Measure single-position exposure and diversification quality (effective positions).
Portfolio Breakeven Time Calculator
Calculate how long it takes to recover from investment losses based on expected returns.
Safe Position Size Calculator
Calculate optimal position sizes for trading based on risk tolerance and stop-loss levels.
Portfolio Volatility Drag Calculator
Understand how volatility reduces actual portfolio returns through geometric vs. arithmetic return differences.
Trading Strategy
Required Win Rate Calculator
Find your breakeven win rate based on risk-reward ratio and trading expectancy.
Binary Options Breakeven Calculator
Breakeven win rate and expected value for any binary options payout and refund.
Risk of Ruin Simulator
Estimate the chance of hitting a drawdown floor within a number of trades, and compare risk per trade, with a seeded Monte Carlo.
Investment Analysis
Real Return Calculator (After Inflation)
Calculate your inflation-adjusted returns to understand true purchasing power growth.
Dividend Yield & Income Growth Calculator
Calculate dividend income, growth projections, and total returns with or without reinvestment.
Tax-Adjusted Investment Return Calculator
Calculate your true after-tax investment returns and understand the impact of taxes on long-term wealth.
Inflation Break-Even Calculator
Calculate the real purchasing power of your savings and the returns needed to beat inflation.
Effective Annual Rate (APR to APY)
Convert a nominal annual rate to APY or APY back to a nominal rate at any compounding frequency, and compare two rates.
Small Business
Margin and Markup Calculator
Compare margin with markup, include selling fees, and find the price for a target contribution margin.
Business Break-Even
Units and revenue needed to cover fixed costs and reach a target profit, after selling fees, in whole units.
Dimensional Weight
DIM and billable package weight from size, actual weight and the divisor and rounding rules you enter; compare two box sizes.
Safety Stock and Reorder Point
Safety stock and reorder point from daily demand and lead time, with inventory position including stock on order and backorders.
Work & Time
Hours Between Times Calculator
Hours and minutes between two times, minus a break, including overnight shifts, in decimal hours.
Time Card Calculator
A full week of shifts with unpaid breaks, explicit overnight and split shifts, overlap checks and a free CSV export.
Hourly to Salary Calculator
Convert hourly pay to annual, monthly and biweekly gross salary with paid weeks and shift hours, and back again.
Overtime Calculator
Regular, time-and-a-half and double-time gross pay from your rate, hours and multipliers, with the premium shown separately.
Billable Rate Calculator
Freelance hourly and day rate from owner pay, overhead, billable hours, platform fees and profit margin, with a utilization sensitivity table.
Automotive
Car Affordability
Start from your total monthly car budget, reserve insurance, fuel and other running costs, and see the price the rest can finance.
EV vs Gas Cost Calculator
Compare yearly EV charging and gas costs per mile or kilometer at your own prices, with home and public charging, or price a single charge.
Auto Loan Payoff Calculator
Payoff time and interest from your current car loan balance and payment, with extra monthly payments, a timed lump sum and an entered fee.
New vs Used Car Calculator
Compare a new and a used car quote over the same holding period: loan interest, running costs, repairs, resale value and selling costs.
Lease vs Buy Car
Compare a lease quote with buying the same car over the lease term, including mileage charges, running costs and the equity left after your loan.
Negative Equity and Trade-In Calculator
Compare rolling negative equity from your old car loan into a new loan with paying it upfront.
Statistics
Normal Distribution Calculator
Probabilities below, above or between values, z-scores and inverse percentiles, with the tail shaded on the curve.
Survey Sample Size Calculator
Completed responses for a chosen confidence level and margin of error, with finite population and invitation estimates.
Education
Final Grade Calculator
The exam score you need for a target course grade, with already-secured and out-of-reach cases and extra credit.
Weighted Grade Calculator
Your current grade from weighted categories, with equal-weight or points scoring and one dropped score per category.
Everyday
Unit Price Calculator
Compare price per ounce, kilogram, litre, square metre or item across packs, discounts and added costs.
Tax and Tip Calculator
Tax, tip and discount calculator with a choice of tip base, a separate service charge and an exact-cent bill split between diners.
Construction
Tile Calculator
Tiles and whole boxes from room or wall area, with cutouts, waste before rounding and material cost.
Paint Calculator
Paint needed from room size or surface area, with doors and windows, coats and an allowance, rounded to whole cans with cost.
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