Finance Tools & Calculators
Free, practical tools for your money and your business — size up a loan, project your retirement, measure an investment's return, find your break-even point, schedule depreciation, and plan a monthly budget.
Loan Calculator
Find your fixed monthly payment, total interest, and total cost from the principal, rate, and term — and see how an extra monthly payment shortens the payoff and cuts interest
Retirement Calculator
Project your nest egg by compounding current savings and monthly contributions at an assumed return to your target retirement age — and see how much is contributions versus growth
ROI Calculator
Measure the return on any investment — net profit and simple ROI from what you put in versus what you got back, plus an annualized (CAGR) return when you supply a holding period
Break-Even Calculator
Find the units and revenue you need to cover every cost and start turning a profit, from your fixed costs, selling price, and variable cost per unit, plus the contribution margin
Depreciation Calculator
Build a year-by-year depreciation schedule for a fixed asset using the straight-line or declining-balance method — the annual expense and the falling book value at a glance
Budget Planner
Total your monthly expenses against your income to see what's left over, your savings rate, and how your spending splits into needs, wants, and savings against the 50/30/20 rule
Financial Health Scorecard
Score your financial health out of 100 from your income, debt payments, savings, emergency-fund months, and expenses — sub-scores for debt, savings, and emergency coverage plus an overall grade
Invoice Generator
Build an invoice line by line and watch the totals update — subtotal, an optional discount, then tax on the discounted amount, all the way to the grand total
Cash Flow Calculator
Net your cash inflows against outflows to find the net cash flow for a period and the ending balance — and see at a glance whether the period ran positive or negative
Emergency Fund Calculator
Find the emergency fund you should hold, how far your savings fall short, how many months of contributions close the gap, and how many months of expenses you already cover
Business Expense Tracker
Log expenses by category for an instant total, a per-category breakdown with each category's share, your biggest spending category, and a count of the categories you track
Tax Withholding Calculator
A rough, simplified federal-style estimate of income-tax withholding from your salary and filing status — taxable income, annual withholding, per-paycheck amount, and effective rate