💰 Finance Calculators
Understand your money.
Know what to do next.
Free finance calculators across five categories — banking & rates, business metrics, debt & credit, mortgage & real estate, and personal finance. Every result comes with a plain-English explanation, not just a raw number.
40+finance tools
5categories
100%free, no signup
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Browse by category
🏦
Banking & Rates
CDs, compound interest, blended rates, savings accounts
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Business Metrics
Overhead, cost savings, inventory, labor, depreciation
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Debt & Credit
Debt payoff, bankruptcy, credit fees, tax rates
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Mortgage & Real Estate
Payoff, biweekly savings, HELOC, house flipping
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Personal Finance
Net worth, returns, balance sheet, pricing tools
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📄Popular
Share Certificate Calculator
Calculate CD or share certificate interest, maturity value, and yield — with CD ladder mode.
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🪜Strategy
CD Ladder Calculator
Build a certificate ladder across staggered maturities to maximise yield and maintain liquidity.
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📈Popular
Compound Interest Calculator
Model savings or investment growth with compounding over multiple years and optional contributions.
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⚖️Rates
Blended Interest Rate Calculator
Calculate the weighted average rate across multiple loans or deposit accounts.
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💰Savings
Money Market Account Calculator
Estimate earnings from a money market account and compare compounding effects.
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📊Rates
Basis Points Calculator
Convert between basis points and percentages — essential for reading rate movements.
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🧾Interest
Interest Expense Calculator
Calculate total interest paid over the full term of any loan — the true cost of borrowing.
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☕Planning
Barista FIRE Calculator
Calculate your part-time FIRE number — savings needed to cover expenses with a small side income.
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🏗️Popular
Overhead Calculator
Calculate total overhead, overhead rate by cost driver, and overhead % of revenue — 4 methods.
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💡Popular
Cost Savings Calculator
Quantify savings, net of implementation cost, payback period, and cumulative impact over time.
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📈Accounting
EBITA Calculator
Calculate EBIT, EBITA, and EBITDA simultaneously with income statement waterfall and margin bars.
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📦Popular
Average Inventory Calculator
Calculate average inventory, turnover ratio, days inventory outstanding, and period trend.
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📅Supply Chain
Weeks of Supply Calculator
Calculate inventory coverage in weeks, reorder zone status, and demand scenario comparison.
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🎯Revenue
Expected Revenue Calculator
Calculate expected revenue using funnel, units, or probability methods — with scenario comparison.
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📋Accounting
Period Cost Calculator
Separate period costs from product costs — essential for income statement classification.
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📊Accounting
Vertical Analysis Calculator
Express each line item as a % of base — for income statement and balance sheet analysis.
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👥HR
Employee Growth Rate Calculator
Calculate headcount growth rate, net additions, and trend across periods.
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⚖️Accounting
Average Total Assets Calculator
Calculate average total assets for ROA and other efficiency ratios — opening plus closing balance.
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🖱️Marketing
CTR Calculator
Calculate click-through rate from impressions and clicks. Benchmark ad and SEO performance.
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❄️Popular
Debt Snowball Calculator
Plan your payoff order, see your exact debt-free date, and calculate interest savings.
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⚖️Popular
Debt-to-Income Calculator
Calculate your DTI ratio — the key metric lenders use when evaluating loan applications.
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⚖️Legal
Chapter 13 Payment Calculator
Estimate monthly Chapter 13 repayment plan amounts based on disposable income.
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📋Legal
Chapter 13 Bankruptcy Calculator
Estimate eligibility and plan structure for Chapter 13 debt reorganization.
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💳Merchant
Credit Card Processing Fee Calculator
Calculate merchant processing fees and net revenue after card transaction costs.
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💰Popular
Cashback Calculator
Calculate cash back rewards and compare credit card offer value by spending category.
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🧾Tax
Federal Tax Rate Calculator
Estimate effective and marginal federal income tax rate by income and filing status.
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⏰Tax
Overtime Tax Calculator
Calculate take-home pay on overtime hours accounting for marginal tax and withholding.
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Mortgage & Real Estate
Plan your home purchase, refinance, or investment property numbers
🏠Popular
Mortgage Payoff Calculator
Find your payoff date and total interest cost. Test extra payment scenarios.
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📅Popular
Biweekly Mortgage Calculator
See how biweekly payments reduce your loan term and total interest paid.
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🏦HELOC
HELOC Payment Calculator
Estimate monthly payments during draw and repayment periods for a home equity line of credit.
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🔨Popular
House Flipping Calculator
Estimate profit, ROI, and break-even for a fix-and-flip real estate investment.
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🏗️CapEx
Net Capital Spending Calculator
Calculate net capital expenditure from fixed assets and depreciation for the period.
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💼Popular
Net Worth Calculator
Add all assets and liabilities to calculate total net worth — with balance sheet breakdown.
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🏷️Popular
Discount Calculator
Find sale price, amount saved, and original price from any discount percentage.
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%Popular
Percentage Calculator
Calculate percentage of a number, percent change, increase, or decrease instantly.
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📐Finance
Margin Calculator
Calculate gross profit margin, markup, and net revenue from cost and price inputs.
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📉DCF
Discount Factor Calculator
Calculate present value of a future cash flow — with NPV mode and rate sensitivity comparison.
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🏗️Accounting
Tangible Net Worth Calculator
Calculate TNW by removing intangibles — the stricter net worth metric lenders use.
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💹Accounting
Retained Earnings Calculator
Calculate ending retained earnings from opening balance, net income, and dividends paid.
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📋Accounting
Total Liabilities Calculator
Sum current and non-current liabilities for the complete liabilities figure on your balance sheet.
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📉Accounting
Straight-Line Depreciation Calculator
Calculate annual depreciation, book value schedule, and accumulated depreciation.
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🧮Pricing
Cost Per Item Calculator
Calculate cost per unit from total cost and quantity — for inventory valuation and pricing decisions.
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About these finance calculators
These tools are built for people making real money decisions — not finance professionals with spreadsheets. Each calculator gives you an accurate result and explains what it means in plain English, so you can actually act on the number rather than just stare at it.
The five categories cover the most common personal finance and business needs: banking and savings rates, business cost and accounting metrics, debt payoff planning, mortgage and real estate decisions, and personal finance tools from everyday pricing to investment return analysis. All tools are free — no account required.
Related guides
Looking for step-by-step explanations behind the math? The Finance Guides section covers the formulas with worked examples, common mistakes, and plain-language walkthroughs for every major calculation covered by these tools.