Business Finance Calculators

Time-value-of-money and financial-statement-analysis calculators. Distinct from the consumer-/finance/ cluster of mortgages and loans.

All tools

67
Present Value Calculator
PV = FV / (1 + r)^n. The current worth of a future cash flow.
Future Value Calculator
FV = PV × (1 + r)^n. What today's amount grows to over time.
Annuity Payment Calculator
PMT = P · r / (1 − (1+r)^(−n)). Payment that fully amortizes a principal over n periods at rate r.
Perpetuity Value Calculator
V = C / r — present value of an infinite stream of equal cash flows.
NPV (Net Present Value) Calculator
NPV = sum of discounted future cash flows minus initial investment. Positive NPV = accept project.
IRR (Internal Rate of Return) Calculator
IRR = the discount rate that makes NPV = 0. Solved numerically via Newton's method.
Payback Period Calculator
How many years until cumulative cash flows equal the initial investment.
Discounted Payback Period Calculator
Years for discounted cash flows to recoup initial investment. Time-value-aware variant of payback.
MIRR (Modified IRR) Calculator
IRR with explicit reinvestment-rate assumption. Avoids the multiple-IRR problem.
Profitability Index Calculator
PI = (NPV + initial) / initial = PV of future flows / initial investment. >1 = accept.
Discount Calculator
Sale price and savings from a percent-off, dollar-off, or stacked-coupon discount.
Tip Percentage Finder
Reverse-tip calculator: enter the bill and the tip you left, get the implied tip %.
Bond Yield Calculator
Current yield and yield-to-maturity (YTM) for a fixed-coupon bond, solved numerically via Newton-Raphson.
Tip & Bill Split Calculator
Calculate tip, split the bill among any number of people with per-person subtotal/tip/total, and optionally round each share up to the next dollar.
Compound Interest Calculator (with Monthly Contributions)
See how an initial deposit + steady monthly contributions grow over time with compound interest.
WACC Calculator
WACC = (E/V)·Re + (D/V)·Rd·(1−T). Blended cost of capital weighted by debt + equity.
Dividend Discount Model (DDM)
P = D₁ / (r − g). Stock price = next dividend / (required return − growth rate).
Gordon Growth Model
Same as DDM: P = D₁ / (k − g). Single-stage constant-growth model.
Free Cash Flow (FCF)
FCF = EBIT(1−T) + D&A − CapEx − ΔNWC. Cash available to all capital providers.
EBITDA Calculator
EBITDA = Net Income + Interest + Tax + D&A. Operating earnings before financing + non-cash items.
Current Ratio
Current ratio = Current Assets / Current Liabilities. Liquidity benchmark.
Quick Ratio (Acid Test)
(Current assets − Inventory) / Current liabilities. Stricter than current ratio.
Debt-to-Equity Ratio
D/E = Total Debt / Total Equity. Leverage relative to ownership.
Return on Equity (ROE)
ROE = Net Income / Avg Shareholders' Equity. Profitability per dollar of equity.
Return on Assets (ROA)
ROA = Net Income / Avg Total Assets. Profitability per dollar of all assets.
Markup vs Margin Calculator
Markup % = (price − cost) / cost. Margin % = (price − cost) / price. Common confusion.
Break-Even Units
Units = Fixed Costs / (Price − Variable Cost per unit).
Customer Lifetime Value (LTV)
LTV = ARPU × gross margin × lifetime. Foundational SaaS unit economics.
CAC Payback Period
Months = CAC / (ARPU × gross margin). Time to recover acquisition cost.
Churn Rate Calculator
Monthly churn = customers lost / start customers. Annualized: 1 − (1−monthly)^12.
Gross Margin
Gross margin % = (Revenue − COGS) / Revenue. Profit before operating expenses.
Contribution Margin
CM = Revenue − Variable Costs. CM ratio = CM / Revenue.
MRR / ARR Growth Projection
MRR with monthly growth + churn → 12-month projection. ARR = MRR × 12.
US Sales Tax Calculator
Sales tax + total for a purchase amount in any US state using the 2026 state-level base rate. State rates only (no county / city add-ons).
Stock Dividend Yield Calculator
Simple dividend yield = annual dividend ÷ share price × 100. Quarterly payout breakdown and forward-yield comparisons.
Mortgage Points Break-Even Calculator
Cost of buying mortgage discount points vs. monthly payment savings → break-even month and lifetime savings.
APY ↔ APR Calculator
Convert between APR (nominal annual rate) and APY (effective annual yield) at any compounding frequency — both directions.
Stocks vs Bonds Asset Allocation Calculator
Recommended stock / bond / cash split by age and risk tolerance — age-in-bonds, "120-minus-age", and target-date glide-path conventions.
Sharpe Ratio Calculator
Risk-adjusted return: (mean return − risk-free rate) ÷ standard deviation. Cite Nobel-laureate convention.
Black-Scholes Options Calculator
European call + put prices and the 5 Greeks (delta, gamma, vega, theta, rho) under the Black-Scholes-Merton model.
Wedding Budget Calculator
Split a total wedding budget across industry-standard categories — venue, catering, photo, attire, flowers, etc. — with per-guest cost.
Roth vs Traditional IRA Calculator
Compare after-tax retirement balance for Roth (after-tax in, tax-free out) vs Traditional IRA (pre-tax in, taxable out).
RMD (Required Minimum Distribution) Calculator
Annual RMD = prior year-end balance ÷ IRS Uniform Lifetime Table divisor. SECURE 2.0 Act 2023 set RMD start age 73 (75 from 2033).
Social Security Benefit Estimator (rough)
Rough estimate of monthly Social Security retirement benefit based on AIME → PIA → claiming-age adjustment. For precise figure use ssa.gov "my Social Security".
Side Hustle Profit Tracker
Revenue − expenses − self-employment tax − income tax → real take-home from a side gig.
Future Value of Money Calculator (with Inflation)
Project the future value of a present sum at a nominal growth rate, then adjust for inflation to show its real, inflation-adjusted value.
Continuous Compounding Calculator
Compute the future value under continuous compounding (A = Pe^rt) and compare it with daily, monthly, and annual compounding.
Dividend Reinvestment (DRIP) Calculator
Project the growth of an investment when dividends are automatically reinvested, compared with taking dividends as cash.
Annuity Payment Calculator
Find the periodic payment of an annuity from its present value, interest rate, and number of periods — for both ordinary annuities and annuities-due.
Hourly to Annual Salary Converter
Convert an hourly wage to annual, monthly, and weekly pay, with an optional benefits load to estimate total compensation.
Stock Cost Basis Calculator (FIFO, LIFO, Average)
Compute the cost basis of shares sold from multiple purchase lots using FIFO, LIFO, or average-cost methods.
Loan Payoff Calculator with Extra Payments
See how extra monthly payments shorten a loan and cut total interest — compare payoff time and interest with and without overpayment.
Tax-Loss Harvesting Calculator
Estimate the tax savings from harvesting a capital loss, including the $3,000 annual ordinary-income offset and any loss carried forward.
Stock Options Vesting Schedule Calculator
Model a standard cliff-plus-monthly equity vesting schedule and see how much has vested and its value at several stock prices.
Net Pay Calculator (Take-Home After Deductions)
Estimate take-home pay from gross pay after pre-tax deductions (401(k), HSA, insurance), income tax, and other withholdings.
Bond Duration & Convexity Calculator
Compute a bond’s price, Macaulay duration, modified duration, and convexity from its coupon, yield to maturity, and term.
DRIP Future Value Calculator
Project the future value of a share holding when dividends are reinvested, from your initial shares, price, yield, and growth.
ESPP Discount Benefit Calculator
Calculate the immediate gain from an Employee Stock Purchase Plan discount, and the effective return on your contributions.
Contractor (1099) vs Employee (W-2) Calculator
Compare a W-2 salary plus benefits against a 1099 contractor rate, accounting for self-employment tax and self-purchased insurance.
Inflation-Adjusted Savings Goal Calculator
Find the future cost of a goal after inflation and the monthly contribution needed to reach it at a given rate of return.
Yield to Call (YTC) Calculator
Estimate a callable bond’s yield to call from its coupon, call price, current market price, and time until the call date.
Real Interest Rate Calculator (Fisher Equation)
Convert a nominal interest rate and inflation rate into the real interest rate using the exact Fisher equation.
Future Value of Uneven Cash Flows Calculator
Compute the future value of a series of unequal cash flows compounded forward at a given rate to the end of the period.
Emergency Fund Calculator
See how many months of expenses your savings covers and how much more you need to reach a 3–6 month emergency-fund target.
Treasury Bill Discount Rate Calculator
Compute a T-bill’s bank discount rate and bond-equivalent yield from its face value, purchase price, and days to maturity.
Effective Annual Rate (EAR) Calculator
Convert a nominal annual rate into the effective annual rate for any compounding frequency, including continuous compounding.
Convertible Bond Conversion Price Calculator
Find a convertible bond’s conversion price, conversion value, and conversion premium from its par value, conversion ratio, and the stock price.