Finance Calculators

Estimate fixed loan payments, repayment totals and interest costs.

Project compound growth from principal, rate, time and recurring contributions.

Estimate mortgage payments, interest and recurring housing costs.

Estimate auto-loan payments and total interest from amount financed, rate and term.

Works backward from the goal, starting balance and time available, with optional growth assumptions.

Is useful when the monthly payment alone does not tell the full story.

Simple interest grows only from the original principal, not from previously accumulated interest.

Return on investment compares the gain or loss from an investment with the amount committed to it.

Calculate retirement for financial planning and comparison.

Calculate apr for financial planning and comparison.

House affordability is broader than the largest mortgage payment a lender might approve.

Estimates that time and interest effect.

A down payment changes both the amount financed and the amount of cash needed at closing.

Renting and buying create different cash flows rather than one simple monthly-payment comparison.

Debt-to-income ratio compares recurring monthly debt obligations with gross monthly income.

Is best used to compare scenarios rather than to predict a guaranteed outcome.

Inflation changes what money can buy over time.

Calculate present value for financial planning and comparison.

Future value projects what money today could become after earning a specified return over time.

Refinancing replaces an existing loan with a new one, usually to change the interest rate, payment or term.

Calculate auto lease for financial planning and comparison.

Return on equity measures how much net income a company generates relative to shareholders’ equity.

Return on assets measures how efficiently a company generates net income from the assets it controls.

Calculate current ratio for financial planning and comparison.

Calculate quick ratio for financial planning and comparison.

Working capital is the dollar difference between current assets and current liabilities.

Bond yield expresses return relative to a bond’s price or cash flows.

Calculate cagr for financial planning and comparison.

Effective interest rate shows the annual rate after accounting for compounding within the year.

Dividend yield compares annual dividend income with the current share price.

Calculate loan comparison for financial planning and comparison.

Net present value converts future cash flows into today’s value and subtracts the initial investment.

Internal rate of return is the discount rate that makes a project’s net present value equal to zero.

Calculate discounted payback period for financial planning and comparison.

An annuity is a series of equal payments made at regular intervals.

A perpetuity is a stream of equal payments expected to continue indefinitely.

Calculate credit card payoff for financial planning and comparison.

Loan-to-value ratio compares a loan balance with the value of the property or asset securing it.

Capitalization rate compares a property’s net operating income with its value or purchase price.

Mortgage points are upfront charges expressed as a percentage of the loan amount.

Estimates a cash reserve from essential monthly expenses and a chosen number of months of coverage.

Calculate savings withdrawal for financial planning and comparison.

Cost of debt estimates the effective rate a company pays on borrowed capital.

Calculate wacc for financial planning and comparison.

Calculate debt service coverage ratio for financial planning and comparison.

Organizes multiple debts so extra money is directed to the smallest balance first.

Debt-to-equity ratio compares a company’s debt with shareholders’ equity.

Interest coverage ratio measures how many times operating earnings can cover interest expense.

Return on invested capital measures operating profit after tax relative to the capital invested in the business.

Calculate free cash flow for financial planning and comparison.

Operating cash flow ratio compares cash generated from operations with current liabilities.

Calculate annualized return for financial planning and comparison.

Calculate rule of 72 for financial planning and comparison.

Gross rent multiplier compares a property’s price with its gross rental income before operating expenses.

Debt yield compares a property’s net operating income with the loan amount secured against it.

Organizes multiple debts so extra money is directed to the highest interest rate first.

Price-to-earnings ratio compares a company’s share price with earnings per share.

Dividend payout ratio measures how much of a company’s earnings are distributed to shareholders as dividends.

Cash-on-cash return measures annual pre-tax cash flow relative to the actual cash invested in a property.

Rental yield compares rental income with the value or purchase price of a property.

Mortgage recasting recalculates the required payment after a borrower makes a substantial principal reduction.

An interest-only mortgage payment covers interest without reducing principal during the interest-only period.

Biweekly mortgage payments split the regular monthly payment into smaller payments made every two weeks.

Estimates the present value of a bond’s future coupon payments and principal repayment using a required yield.