Calculators
Planning tools related to wealth & business stories, with visible assumptions and clearly explained results.
Estimate the compound annualized return between a starting value and ending value over a holding period. The calculation assumes no deposits or withdrawals during the period and excludes taxes, fees, and inflation.
Estimate your monthly remaining balance by subtracting planned expenses and savings from monthly take-home income. Enter amounts in one currency and use consistent monthly figures.
Estimate the holding cost of inventory over a chosen period by multiplying the number of units by cost per unit and the holding rate for that period. Enter the holding rate as a fraction, such as 0.25 for 25%.
Estimate an illustrative business value by applying an assumed earnings multiple to annual owner earnings, then adjusting for debt and excess cash. This simplified model does not account for every asset, liability, or valuation method.
Estimate gross commission from eligible sales and a commission rate, with an optional fixed bonus. This simple model does not account for taxes, chargebacks, or plan-specific rules.
Estimate the ending balance of an initial deposit with compound interest over time, using a stated annual rate and compounding frequency. This principal-only model does not include ongoing contributions.
Estimate the average cost basis per share from a purchase price, share count, and purchase commission. This simple model assumes one purchase and does not account for taxes, corporate actions, or other adjustments.
Estimate interest on a credit card balance for a chosen number of days using a simple daily-rate calculation. This estimate assumes the balance and APR stay constant, with no payments, purchases, fees, or compounding during the period.
Calculate your overall credit utilization percentage from your current revolving balances and credit limits. This is a simple snapshot and does not predict a credit score.
Estimate revenue-based customer lifetime value from average purchase value, purchase frequency, and customer lifespan. This simple model does not subtract acquisition or service costs.
Estimate how many months it may take to repay a debt and how much interest may accrue when you make a fixed monthly payment. This simplified estimate assumes a constant annual interest rate, monthly compounding, and payments made at the end of each month.
Estimate your debt-to-income ratio by comparing your monthly debt payments with your gross monthly income. The result is a percentage based on the figures you enter.
Estimate annual dividend income from shares owned, dividend per share, and the number of payments per year. The estimate assumes the entered dividend and payment schedule remain unchanged throughout the year.
Estimate a stock's annual dividend yield as a percentage of its share price using the annual dividend per share and share price you enter.
Estimate an effective tax rate by dividing total tax paid by total income, using the amounts you enter. This simple estimate does not determine tax liability or account for tax rules, deductions, credits, or filing details.
Estimate an emergency savings target by multiplying your monthly essential expenses by the number of months you want your fund to cover. This simple worksheet does not account for interest, taxes, changing expenses, or individual financial circumstances.
Estimate the future value of a single lump-sum investment using a user-provided rate per period and number of periods. This calculation assumes the same rate applies throughout and does not account for taxes, fees, or inflation.
Convert an hourly wage into estimated gross annual pay using your hours worked per week and weeks worked per year.
Estimate gross monthly income by multiplying an hourly wage by hours worked per week and weeks worked per month. The estimate does not subtract taxes or other deductions.
Estimate the future cost of an amount after annual inflation compounds over a chosen number of years. Enter an annual inflation rate as a percentage. This is a simplified estimate using one constant rate.
Estimate the annual interest rate implied by a fixed loan amount, regular payment, loan term, and payment schedule. The estimate assumes equal payments, a fixed rate, and no fees or extra payments.
Estimate the future value of an investment using an initial amount, monthly contributions, an assumed annual return, and a time period. The estimate assumes a fixed annual return compounded monthly and does not account for taxes, fees, or inflation.
Estimate the future value and total investment return from an initial investment and annual contributions using a user-entered annual return rate. This simplified estimate assumes contributions are made at each year-end and does not account for taxes, fees, or changing returns.
Estimate the monthly payment and total interest for a fixed-rate loan from the principal, annual interest rate, and term in months. This estimate excludes fees and does not provide a full payment schedule.
Estimate the monthly principal and interest payment for a fixed-rate loan using the amount borrowed, annual interest rate, and number of monthly payments. This estimate excludes taxes, fees, insurance, and other charges.
Calculate a selling price and gross margin from your cost and target markup percentage. Enter the item cost and markup rate to see the price before tax and other charges.
Estimate projected net worth from your current net worth, monthly contributions, annual return assumption, and time horizon. This transparent model assumes contributions are made at the end of each month and the annual return is compounded monthly.
Estimate how many months it may take to save a target mortgage down payment based on a home price, down payment rate, and monthly savings amount.
Estimate net profit and net profit margin from revenue and operating costs, taxes, and other expenses you enter. The calculation treats all amounts as belonging to the same period and currency.
Estimate your net worth by subtracting total liabilities from total assets. Enter the value of each asset and debt in the same currency and use current balances for a clear snapshot.
Estimate your new annual salary and gross increase from a raise, using your current annual salary and raise percentage.
Calculate the discount amount and the price after a percentage discount using the original price and discount rate.
Estimate the compound annual growth rate of a portfolio from its starting value, ending value, and holding period. This basic calculation excludes contributions, withdrawals, taxes, fees, and inflation.
Estimate the present value of a future cash amount using a chosen annual discount rate and compounding frequency. This simplified model assumes a fixed rate and one future payment.
Estimate a service price from labor, materials, overhead, and a target profit margin. The result is a planning estimate based on the values you enter.
Calculate net profit margin from total revenue and total costs. Enter amounts in the same currency and the calculator reports profit as a percentage of revenue.
Estimate a target annual retirement income by applying a chosen replacement percentage to current annual income. This simple planning estimate does not account for taxes, inflation, benefits, savings, or other income sources.
Estimate the future value of your retirement savings from your current balance, monthly contributions, years until retirement, and an assumed annual return compounded monthly. The estimate does not account for inflation, taxes, fees, or changing returns.
Calculate return on equity (ROE) as net income divided by average shareholders’ equity, using beginning and ending equity supplied by the user.
Estimate return on investment as a percentage from the initial investment and its net gain or loss. Enter both amounts in the same currency and time period.
Estimate how many years an investment may take to double by dividing 72 by its annual rate of return. This is a simplified estimate that assumes a steady annual return and excludes taxes, fees, and contributions.
Estimate annual total compensation by combining annual salary, a bonus calculated as a percentage of salary, and other compensation. Enter amounts in USD and the bonus rate as a ratio, such as 0.15 for 15%.
Estimate sales tax collected by multiplying taxable sales by the tax rate you enter. This simple estimate assumes all entered sales are taxable at one uniform rate and does not account for exemptions, local rate differences, or adjustments.
Estimate the regular amount to save to reach a target balance by a chosen date, using a simple no-interest model.
Estimate the interest earned and ending balance on savings deposits using a fixed annual interest rate and compounding schedule. Assumes one initial deposit, no additional contributions or withdrawals, and a constant rate for the full term.
Calculate the percentage of monthly income you save using monthly savings and monthly income measured in USD.
Calculate the simple interest earned or owed from a principal amount, annual interest rate, and time period. The calculation assumes a constant rate and does not compound interest.
Estimate simple interest on a small business loan from its principal, annual interest rate, and term. This worksheet-style estimate excludes compounding, fees, and payments made during the term.
Estimate the net profit or loss from a stock sale using your share count, purchase price, sale price, and total transaction costs.
Estimate the future value of a one-time amount using an assumed annual return compounded yearly. This simplified model excludes taxes, fees, inflation, and additional contributions.