Investing & wealth
Track fee drag, withdrawals, and rebalance decisions in one flow.
Key tools: Fee drag / Withdrawal / Rebalance
Favorites
Save a calculator to keep it here and on the home page.
Browse by goal
Pick a topic first, then move into the calculators that match your task.
Finance functions
Use TVM, XIRR, and XNPV for cash-flow and rate-based decisions.
Bonds & rates
Move from YTM to duration and rate conversion without context switching.
Key tools: Bond YTM / Duration/DV01 / Rate conversion
Real estate
Compare rent vs buy, rate shocks, and refinance timing.
Key tools: Rent vs buy / Rate scenarios / Refinance break-even
Business finance
Connect pricing, payback, and DCF in one decision chain.
Filter finance calculators
All finance tools
- APR to APY (EAR) Calculator
Use this interest rate converter to switch between APR, APY/EAR, monthly, and daily rates, or run the reverse conversion to compare loans, cards, and savings.
- Biweekly loan amortization schedule (CSV export)
Compute a biweekly amortization schedule (26 payments/year), include extra payments, and export the table to CSV.
- Bond Duration / DV01 / Convexity Calculator
Calculate Macaulay duration, modified duration, DV01, and convexity.
- Bond Price ↔ Yield (YTM) Calculator
Compute bond price and yield to maturity (YTM) from coupon, maturity, and price or yield.
- Bonds & Rates Calculators (YTM, Duration, DV01)
Compare calculators for bond price, yield to maturity, duration, DV01, and rate conversion in one place.
- Break-even Point and Required Sales Calculator
Calculate the break-even point, required sales to reach a target profit, and profit at your planned sales volume.
- Business Finance & Accounting (Margin/Breakeven/NPV/IRR)
Estimate pricing, margin/markup, breakeven, and investment evaluation (NPV/IRR).
- Compound Interest Calculator
Estimate future value and Effective Annual Rate from APR, compounding frequency, years, and optional monthly contributions.
- Consumption Tax Calculator
Calculate Japanese consumption tax with standard 10%, reduced 8% or custom rates per item.
- Credit card minimum payment simulator – payoff time
Estimate months to payoff and total interest by entering balance, APR, and your card’s minimum payment policy (rate and/or fixed amount).
- Credit Card Payoff & Debt Snowball Calculator
Estimate payoff time, total interest, and compare snowball and avalanche payoff methods.
- DCF Calculator — Simple valuation with sensitivity
Estimate enterprise value from an FCF forecast with discount rate, terminal value, net debt, per-share value, sensitivity matrix, CSV export, and shareable URLs.
- Debt-to-income (DTI) ratio calculator
Enter monthly income and monthly debt payments to compute your DTI percentage and a quick category label.
- Deposit interest calculator: future value & EAR
Find future value, interest, and EAR from deposit amount, rate, years, and compounding choice.
- Discount calculator – stacked percentage, amount
Enter a list price and stack percentage cuts, fixed-amount deals and coupons to see final price and savings.
- Electricity Cost Calculator
Estimate electricity use and running cost from watts, hours per day, quantity, and your own price per kWh.
- EMI calculator (loan EMI, monthly payment)
Calculate India loan EMI in INR from principal, annual interest rate, and term.
- Fee Drag Calculator – How fund fees reduce long-term returns
Compare 0% vs annual fees (expense ratio). See ending balance, total fees paid, and the compounding drag over time with charts, tables, share links, and CSV export.
- Finance Function Calculators (PV/FV/PMT/NPV/IRR)
Use calculators for PV/FV/PMT, NPV/IRR, and interest-rate conversion.
- Fixed Deposit (FD) calculator
Compute maturity value, interest earned, and effective annual rate (EAR) from principal, annual rate, years, and compounding frequency.
- Fuel Economy, Gas Cost and Trip Cost Calculator
Estimate your real-world fuel economy, gas cost for a drive, and total trip cost including tolls and parking.
- GST Calculator (Add/Inclusive)
Calculate India GST from exclusive or inclusive amounts using current 5% and 18% presets, special 40%, historical rates, or a verified custom rate.
- India Income Tax Calculator FY 2026-27
Estimate India income tax for FY 2023-24 through tax year 2026-27 with verified slabs, Section 87A relief, standard deduction and 4% cess.
- Interest Rate Calculator (RATE) — Solve APR from Payments
Solve interest rate from loan amount, payments, and term (Excel RATE equivalent).
- Investing & Wealth Building (NISA/SIP/Compound/Retirement)
Compare long-term investing scenarios for NISA, SIP, compound growth, retirement, and savings goals.
- Invoice net ↔ gross calculator for VAT checks
Convert invoice amounts between net and VAT-inclusive totals.
- Lira ↔ kurus converter – Turkish currency units
Convert between Turkish lira and kurus with live calculations that respect 100 kurus = 1 lira.
- Live FX currency converter – ECB reference rates
Convert currencies with live FX rates from ECB or Open ER API, view recent history, and share results.
- Loan affordability calculator – max payment (DTI)
Estimate the maximum monthly payment (EMI) and loan amount from monthly income, EMI ratio (DTI), APR, and term.
- Loan amortization schedule (with CSV export)
Build an amortization schedule with principal, interest, and balance per payment.
- Loan calculator (monthly payment, interest, payoff)
Calculate monthly loan payment, total interest, and payoff timeline from principal, APR, and term.
- Margin & markup calculator – profit margin, markup
Enter cost, price, margin %, or markup % and instantly solve the remaining fields.
- Mortgage and Loan Repayment Burden Checker
Check your debt-to-income (DTI) ratio for a planned mortgage and other loans, and estimate how much you can safely borrow based on your income and target repayment burden.
- Mortgage Rate Increase Simulator — Payment and interest impact
Simulate mortgage rate increase scenarios and compare payments vs a fixed-rate baseline.
- Mortgage repayment planner – monthly payments, lump sums
Simulate mortgage repayments with equal payment or equal principal methods, include bonus payments, lump-sum prepayments, and compare refinance scenarios side by side.
- Net ↔ gross salary converter – illustrative tax
Quickly convert between gross and net salary using a simple example tax rate.
- New NISA savings simulator – allowance vs taxable
Project New NISA contributions versus a taxable account, track annual and lifetime allowance usage, and compare the after-tax difference with adjustable return, fee, and tax settings.
- NPV Profile Calculator – Discount Rate Sensitivity & IRR
Generate an NPV profile by sweeping discount rates. Plot NPV vs rate, export tables, share links, and identify IRR candidates via sign changes.
- Payback period calculator – simple & discounted payback
Compute simple and discounted payback from initial investment and periodic cash flows.
- Portfolio Rebalance Calculator
Compute buy/sell amounts from current holdings and target weights.
- PPF Calculator (Annual Contribution — Educational)
Estimate maturity, total invested, and gain from annual contribution, APR, and years with a simple annual-compounding model (educational).
- Price, Cost, Margin and Markup Calculator
Quickly calculate profit margin, markup, selling price and cost per unit.
- Recurring Deposit (RD) Calculator
Compute maturity amount, total invested, and estimated gain from monthly deposits, annual rate, and years.
- Refinance break-even calculator – when closing costs pay off
Compare current and refinanced loans. Estimate monthly payment differences, total interest, and the break-even month for closing costs with chart, table, CSV, and share URL.
- Rent vs Buy Calculator (Break-even with Costs & Investing)
Compare renting vs buying with mortgage, taxes, maintenance, selling costs, and investment opportunity cost.
- Retirement Savings Calculator
Project your retirement nest egg by combining current savings, recurring monthly contributions, investment growth, and inflation assumptions.
- ROI & CAGR Calculator
Calculate ROI, CAGR, gain or loss, and value multiple from an initial value and a final value.
- Salary gross ↔ net educational estimator – taxes
Convert gross ↔ net salary using simple flat or example progressive rates.
- Savings Goal & Monthly Contribution Calculator
Work out the monthly contribution to hit a savings goal, project how far deposits grow, or estimate the time needed with monthly compounding.
- Savings Goal Planner: Deposits, Time, Future Value
Work out the deposit needed to hit a savings target, the time required at a chosen deposit, or the future value of a plan using APR, EAR or continuous compounding.
- Simple & Compound Interest, NPV & IRR Calculator
Compare simple and compound present/future values alongside cash-flow NPV and IRR.
- SIP Calculator for Monthly Investment
Estimate SIP maturity amount, total invested, and expected gain from monthly investment, annual return, years, and contribution timing.
- Split Bill Calculator (tax, weights, rounding, QR)
Split a bill with inclusive or exclusive tax, custom weights, representative adjustments, and share the result via URL or QR code.
- Tip & split calculator – restaurant tip, bill sharing
Enter the bill total and tip percentage to instantly see the tip amount, new total, and per-person share when splitting the bill.
- TVM Solver (PV/FV/PMT/NPER/RATE)
Solve PV, FV, PMT, NPER, and RATE in one place for loans or investments.
- US CPI-U Inflation Calculator
Convert amounts by year with BLS U.S. CPI-U annual averages.
- VAT / Sales Tax calculator – exclusive ↔ inclusive
Convert between net and gross amounts for VAT or sales tax. Enter a price, tax rate and direction to see tax, net and total at once, with flexible rounding rules.
- VAT net ↔ gross quick converter – add VAT to net
Quickly convert between VAT-exclusive (net) and VAT-inclusive (gross) prices at standard rates.
- Withdrawal Simulator — How long your portfolio lasts
Simulate portfolio withdrawals with inflation adjustment and a max-withdrawal solver.
- XIRR Calculator (Irregular Cash Flows) – Paste CSV
Calculate XIRR from irregular dated cash flows online. Paste CSV/TSV, choose day-count basis, tune initial guess, and review convergence warnings.
- XNPV Calculator (Dated NPV for Irregular Cash Flows)
Calculate XNPV for irregular dated cash flows online. Paste CSV/TSV rows, choose day count basis, and compare discounted vs undiscounted totals with base date instantly.
New & featured
Five flagship calculators to start with.
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Rent vs buy
Compare total housing cost and find the break-even year.
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Fee drag
Quantify how annual fees reduce long-term portfolio value.
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TVM solver
Solve PV/FV/PMT/NPER/RATE in one workflow.
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XIRR
Compute IRR for irregular cash-flow dates.
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Bond price ↔ yield
Switch between price and YTM with cash-flow detail.
A–Z Index
Jump alphabetically within finance tools.
Choose the finance tool by the decision you need to make
Loans & amortization
Use loan schedule, refinance, and payment tools when the question is cash flow, payoff timing, or interest cost over time.
Interest growth
Use compound, CAGR, TVM, and present/future value tools when you need growth, discounting, or contribution planning.
Bonds & fixed income
Use bond price, duration, DV01, and convexity tools when yield sensitivity is the actual question.
Business finance
Use break-even, margin, markup, and sales target tools when the decision is operational rather than investment-focused.
Tax & invoice totals
Use VAT and sales-tax tools when you need fast net-to-gross conversion instead of a full finance model.
FAQ
Which finance page should I open first?
Start from the decision type: loan cash flow, investment growth, bond sensitivity, business margin, or tax-inclusive totals. Open the page that matches the real output you need.
When should I use TVM instead of a simple compound-interest tool?
Use TVM when one variable is unknown among PV, FV, PMT, NPER, or RATE. Use compound-interest pages when you mainly need straightforward growth from a known setup.
When should I switch from a calculator to a topic page?
Stay on a calculator when the method is already clear. Move to a topic or hub page when you are still deciding between several approaches or need definitions before choosing a tool.
Are values here suitable for regulated or high-stakes decisions?
These pages are useful for planning and review, but anything regulated, contractual, or high-value still needs assumption checks against official or professional guidance.
Next tools and related hubs
- Biweekly loan amortization scheduleOpen this when you need the payment-by-payment timeline, not just a single payment estimate.
- Bond Duration / DV01 / Convexity CalculatorUse this when price sensitivity to yield changes matters more than the bond price alone.
- Compound Interest CalculatorBest next step when the real question is long-term growth from a principal, rate, and compounding rule.
- Break-even Point and Required Sales CalculatorSwitch here when the job is business planning, cost recovery, or sales targets.