Finance

Convert between hourly rate and annual salary, adjusting for hours and paid weeks.

Convert between markup (on cost) and margin (on price) — they're never the same number.

What you'd owe under a typical US plan's deductible, coinsurance, and out-of-pocket max.

Quarterly IRS estimated tax payments for self-employment income, with safe-harbor guidance.

Regular and time-and-a-half overtime pay for hours worked beyond 40 in a week.

Monthly installment, total interest, and payoff summary.

Home loan payments after down payment and term.

Growth of a lump sum with optional monthly contributions.

Interest and total payable on a fixed-rate loan.

Return on investment and annualized (CAGR) growth.

Estimate take-home pay from gross salary and deductions.

Tip amount and per-person split for a shared bill.

Itemized bill splitting with per-person tax and tip.

Yearly loan payoff chart with principal vs. interest breakdown.

Project retirement savings and income.

Estimate income tax and effective rate by bracket.

Compare the total cost of renting and buying over time.

Maximum home price from income, debts, and the 28/36 rule.

Monthly car payment including trade-in and sales tax.

Standard monthly payment and payoff time with extra payments.

How long to pay off a balance, and interest saved by paying extra.

Project retirement savings from salary, match, and contribution rate.

Break-even point and monthly savings from refinancing.

Compare the snowball and avalanche methods across up to 3 debts.

Check your spending against the 50/30/20 needs-wants-savings rule.

Compare after-tax retirement value between IRA types.

Total assets minus liabilities, tracked in one place.

How much to save for 3-9 months of essential expenses.

Estimate federal tax on a short- or long-term investment gain.

Social Security and Medicare tax owed on freelance or business income.

Estimate coverage using the DIME method: debt, income, mortgage, education.

Estimate annual property tax from your home's value and local rate.

Available equity to borrow, and the monthly payment on it.

Estimate lender and third-party fees on a home purchase.

How much car you can afford using the 20/4/10 rule.

Compare the total cost of leasing a car versus buying one.

Project a 529 plan's growth toward a college savings goal.

What you'd actually pay after grant/scholarship aid — not the sticker price.

Rough estimate of your Student Aid Index (SAI) from income alone — not an official number.

Monthly living-cost budget for a college student, against aid, job, and family income.

Time and interest saved by paying extra on your mortgage.

Loan amount from a home price and down payment, plus the PMI threshold.

Your DTI ratio against real mortgage-lending thresholds.

Monthly payment, total interest, and true cost after an origination fee.

Salary needed in a new city to match your current standard of living.

Periodic withdrawal a lump sum supports over a chosen payout length and return rate.

Units and revenue needed to cover fixed costs before turning a profit.

Workplace pension growth, tax relief, and the Annual Allowance — for UK savers.

Contribution room, tax refund, and growth projection for your RRSP.

SG contributions, salary sacrifice, and 15% contributions tax growth projection.

Break-even point for buying down your rate with discount points, vs. your planned hold length.

Total interest under a fixed-rate loan vs. an ARM at your own assumed post-adjustment rate.

Net monthly profit from a short-term rental vs. renting the same property long-term.

Current yield from price and dividend, plus a DRIP reinvestment projection.

Your FIRE number and years to financial independence at a chosen withdrawal rate.

Solve for future value or present value of a single lump sum at a fixed rate.

Discount an investment's future cash flows to today's dollars and see if it clears your required return.

The break-even discount rate for a series of cash flows, solved numerically like Excel's IRR.

Compare up to 3 loan offers side by side on monthly payment and total interest.

The hourly rate you need to charge to hit a take-home target, after self-employment tax and non-billable hours.

Estimated cost range for a local or long-distance move, by home size.

Split a total wedding budget across venue, catering, photography, and 9 more categories.

How many months of cash your startup has left at its current net burn rate.

Customer acquisition cost, lifetime value, and the LTV:CAC ratio investors look for.

Monthly and annual recurring revenue, plus a 12-month churn projection.

Federal withholding on a bonus — percentage method vs. aggregate method, side by side.

Compare take-home pay and true cost between a W-2 offer and a 1099 contract rate.

Check whether your expected withholding will leave you a refund or a bill at tax time.

Take-home pay after 2026/27 Income Tax bands and Class 1 National Insurance.

2026 federal tax owed and after-tax income, using CRA brackets and the Basic Personal Amount.

Take-home pay after 2026-27 ATO tax brackets and the Medicare levy.

Directional annual/monthly premium estimate from national averages and a few adjustment factors.

First-year baby costs across childcare, feeding, diapers, medical, and gear.

True annual cost to own a car — depreciation, insurance, fuel, maintenance, and fees.

How long minimum payments take to clear a balance, and interest saved by paying more.

Illustrative directional estimate of how common actions might move a FICO-style score.

Hypothetical dollar-cost-averaging outcome at an assumed price trend — not live prices.

Net profit per sale after marketplace referral, payment processing, and per-order fees.

Cost to charge your EV at home vs. public DC fast charging.

Total cost of ownership and breakeven point comparing an EV against a gas car.

See what a dollar amount from one year is worth in another, using historical US CPI-U rates.

Tax savings from contributing to an HSA or FSA for medical expenses.

Max rent under the 30% rule and the landlord 3x-income screening convention.

Realized gain or loss on a crypto trade, after buy- and sell-side exchange fees.

Projected staking rewards over time at an assumed APY and compounding frequency.

Estimated daily mining profit from hash rate, power cost, and pool fee.

Employee net pay plus your true employer cost — FICA match, FUTA, and SUTA.

Interest owed on an overdue invoice, using the common 1.5%/month convention.

Build a quote from hours × rate plus a buffer, compared against a flat project fee.

Track progress toward Public Service Loan Forgiveness — payments remaining and estimated forgiveness date.

The true APR of a loan once origination fees and points are rolled in, vs. the stated rate.

Multi-year 401(k) projection to a target retirement age, with compounding salary growth.

New rent from a % or flat increase, plus the annualized cost impact.

Project home value growth at an assumed annual appreciation rate.

True total management cost — monthly fee plus one-time leasing/placement fee.

How a funding round dilutes existing ownership — new % = old % × pre-money ÷ post-money.

The most you can spend to acquire a customer and still break even, from order value and margin.

Rough value estimate from monthly profit, using the 25-50x industry multiple range.

Convert a trip budget to destination currency, including the real cost of card foreign-transaction fees.

Estimate your weekly unemployment insurance benefit from your highest-earning quarter, with an editable state percentage and cap.

Employer cost/savings from a 4-day workweek — commute, office overhead, and a user-adjustable productivity assumption.

What a scholarship really covers, the out-of-pocket gap, and the difference renewable vs. one-time makes over 4 years.

Monthly payment, total interest, and total cost for a motorcycle loan, with down payment and trade-in.

Monthly payment and total interest for an RV or boat loan, with terms running up to 20 years.

Compare a low and high deductible — see the break-even years and claims where the higher one wins.

Total divorce cost from attorney hours, filing fees, and mediation — contested vs. uncontested.

Cost of a will, trust, power of attorney, and healthcare directive — bundled or separately.

Pre- and post-judgment interest on a small-claims court judgment, at your state's statutory rate.

Project UK ISA tax-free growth against the 2026/27 £20,000 annual allowance.

Track cumulative TFSA contribution room and project tax-free growth.

Average cost basis across multiple buy lots, with an optional stock-split adjustment.

Open rate, click-through rate, and click-to-open rate, benchmarked against industry averages.

Engagement rate by followers or by reach, benchmarked against platform averages.

Estimated gas cost in ETH (or another EVM token) and USD for minting or transferring an NFT.

Exactly how much to buy or sell of each holding to return a drifted portfolio to target.

Post-split share count and adjusted per-share cost basis for a forward or reverse split.

List every recurring subscription and see your true monthly and annual spend.

The true annual cost of your commute — fuel or transit, parking, and vehicle wear.

Is that extended warranty a good statistical bet? Compare price vs. expected payout.

See what a past salary is worth today, and whether a new offer really beats inflation.

Estimated dwelling coverage needed to rebuild your home — not its market value.

Crew size × hourly rate × hours — just the labor cost of a move, no truck.

True cost per visit, and the breakeven point vs. paying per session.

Capital gains tax deferred via a Section 1031 like-kind real estate exchange, including boot.

P/L at expiration for a long call, long put, covered call, or cash-secured put.

Check three cross-rates for a triangular arbitrage deviation — an educational illustration, not a trading tool.

Estimate your ACA Marketplace premium tax credit from income, household size, and the benchmark plan premium.

Months until a refinance's closing costs pay for themselves in lower monthly payments.

Your 2026 Medicare Part B premium, including IRMAA surcharges by income tier.

Split any event's budget across guests, overall and by category — not wedding-specific.

Monthly grocery budget by household size and USDA spending level (Thrifty to Liberal).

Annual and lifetime cost of owning a dog or cat, by size, food, vet care, and insurance.

Project a car's value over time using a realistic year-1-then-flattening depreciation curve.

Rough dealer trade-in estimate from a private-party value, adjusted for mileage and condition.

Monthly/annual parking cost, compared against a transit-pass alternative.

Directional monthly/annual premium estimate by age, coverage, term length, and smoking status.

Directional annual premium estimate for homeowners or renters coverage.

Monthly benefit and premium estimate from your income and a chosen replacement ratio.

Gross and net rental yield on a property, from rent and operating costs.

Capitalization rate from Net Operating Income — excludes financing, by design.

Cash-on-cash return on a rental property — your actual cash invested vs. cash flow.

PTO hours accrued to date, minus what you've used, from your accrual rate and pay frequency.

Estimated severance from years of service and weekly pay — not a legal entitlement in most of the US.

New salary from a raise, plus whether it actually outpaces inflation in real terms.

Customer and revenue churn rate side by side, plus implied average customer lifespan.

Flat-rate or tiered/accelerator commission earned on a sale.

Monthly payment and total interest, plus the DSCR lenders actually underwrite against.

Add tax to a price, or extract it from a tax-included total.

Illustrative monthly benefit from your AIME and claiming age, using the real SSA formula structure.

Add VAT to a net price or extract it from a VAT-inclusive gross price.

Return on ad spend and the break-even ROAS your gross margin actually requires.

Cost per 1,000 impressions — solve for CPM, impressions, or budget.

Click-through rate, cost per click, and CPM from one set of campaign numbers.

Split a total trip budget across flights, lodging, food, and 5 more categories, per day and per traveler.

Cents-per-point value of a redemption, compared against a typical good-value benchmark.

Zakat owed (2.5%) on eligible wealth above the Nisab threshold, gold or silver standard.

The 72÷rate doubling-time shortcut, compared against the exact compound-interest answer.