Finance Calculators
Free, verified finance calculators with step-by-step guides and reference data.
NPV Calculator — Net Present Value & Discounted Cash Flow
Calculate Net Present Value from an initial investment, discount rate, and multiple cash flow periods, with a year-by-year discounted cash flow table.
Basis Point Calculator — Convert bps, % and Decimal
Convert basis points to percent and decimal, then apply a bps change to a dollar value to see the exact impact on rates, fees, and balances.
Capital Adequacy Ratio Calculator — Basel III CAR
Calculate CET1, Tier 1, and Total Capital ratios against Basel III minimums and buffer thresholds. Built for banking students and finance professionals.
Dividend Reinvestment (DRIP) Calculator
Simulate dividend reinvestment quarter by quarter. See final shares, portfolio value, and income vs. taking the same dividends as cash.
Expense Ratio Calculator — Fee Drag & Future Value
See how a fund's expense ratio reduces your net return and future value over time, with a side-by-side comparison against a 0%-fee scenario.
Gratuity Calculator — Tip Amount & Bill Split
Calculate tip amount, total bill, and per-person split. Tips on the pre-tax subtotal when tax is entered, with service-context tipping guidance.
Prorated Rent Calculator — Actual Days vs Banker's 30-Day
Calculate prorated rent for a partial month using the actual days-in-month and banker's 30-day methods side by side, plus which states require which.
YTD Calculator — Investment Return & Earnings Tracker
Calculate year-to-date investment return (price or total return with dividends) or track YTD earnings with an annualized full-year projection.
529 College Savings Calculator — Growth & Superfunding
Project 529 plan growth from monthly contributions, plus a gift-tax exclusion and 5-year superfunding calculator for 2026 limits.
Home Appreciation Calculator — Historical CAGR & Forward Projection
Calculate your home's actual historical appreciation rate (CAGR) or project a future value using an adjustable annual rate, based on FHFA HPI data.
Cash Back Calculator — Flat-Rate vs Rotating Category
Calculate flat-rate or rotating-category cash back, including quarterly caps, then compare which card type earns more for your spend.
Niche Loan Calculator — Bridge Loan & Hard Money Loan
Calculate interest-only payments, points cost, and total cost for bridge loans and hard money loans — short-term, asset-based real estate financing.
Retirement Withdrawal Calculator — 401(k), Match & IRA RMD
Estimate 401(k) early withdrawal penalties, employer match dollars, and IRA required minimum distributions in one free calculator.
Reverse Mortgage Calculator — HECM Proceeds Estimate
Estimate HECM reverse mortgage principal limit and net proceeds using the 2026 $1,249,125 claim cap. Illustrative estimate, not the official HUD PLF.
Alimony Calculator — CA, NY & TX Spousal Support
Estimate spousal support with California's temporary guideline, New York's statutory formula, or Texas's cap — most states use judicial discretion instead.
Credit Card Minimum Payment Calculator — Payoff Trap
Calculate your credit card's minimum payment using two common issuer formulas, then see how many years paying only the minimum actually takes.
Import Duty Calculator — US Customs Duty & Fee Estimator
Estimate US import duty, MPF, and HMF using your own HTS duty rate. Covers the de minimis suspension, Section 122/232/301 surcharges, and FOB vs CIF value.
Real Estate Commission Calculator — Listing & Buyer Agent Split
Calculate real estate agent commission with independently adjustable listing and buyer-agent rates, reflecting the 2024 NAR settlement changes.
Unit Price Calculator — Compare Cost Per Oz, Liter & More
Compare 2-4 products of different sizes to find the true cost per ounce, pound, gram, liter, gallon, or item — and see which one is the best value.
Divorce Buyout Calculator — House Equity Buyout Estimate
Calculate the home equity buyout amount owed to a spouse in a divorce, with an optional notional selling-cost adjustment and refinance note.
Medical RVU Calculator — Payment, Global Period, 8-Min Rule
Calculate Medicare RVU payment with the 2026 conversion factor, check global surgical period billing rules, and convert therapy minutes to units.
Balance Transfer Calculator — 0% APR Payoff Savings
See if a balance transfer actually saves money after the fee. Compares total interest paid vs your current card, with a deferred-interest payoff warning.
Severance Pay Calculator — Estimate + WARN Act Check
Estimate severance pay from weekly pay or salary, years of service, and a weeks-per-year rate. Includes a WARN Act notice check.
Mobile Home Loan Calculator — Chattel Loan Payments
Calculate manufactured home chattel loan payments and total interest, plus FHA Title I loan limits — built for mobile home financing, not a standard mortgage.
Money Market Account Calculator — Tiered APY & Growth
Calculate money market account growth with tiered APY rates and monthly contributions. See exactly how balance tiers blend into your effective rate.
PTO Calculator — Accrual Rate & Balance Projector
Calculate PTO accrual per pay period or project your future vacation balance with rollover caps and use-it-or-lose-it rules by state.
Stock Profit Calculator — Return %, Fees & Break-Even
Calculate stock trading profit or loss, return percentage, and break-even price after fees. Includes dividends and short vs long-term capital gains context.
1099 Tax Calculator — Self-Employment Tax & Quarterly Payments
Estimate self-employment tax, federal income tax, and quarterly payments on 1099 income for 2026 — includes the SS wage base cap and Additional Medicare Tax.
USCIS Fee Calculator: Immigration Filing Costs 2026
Calculate USCIS filing fees for N-400, I-485, I-765, I-130, I-129 H-1B and more. Combine forms for a total cost, plus 2025 HR-1 asylum-related fees.
CD Calculator — Certificate of Deposit Interest
Calculate your Certificate of Deposit's value at maturity from principal, APY, and term. Includes an early withdrawal penalty estimate.
FERS & TSP Calculator — Federal Pension + Thrift Savings Plan
Estimate your FERS annual pension and project your TSP balance growth with agency matching. For federal employees planning retirement.
Mortgage Recast Calculator — Lower Your Payment Without Refinancing
See how much a lump-sum principal payment lowers your monthly mortgage payment via recasting — same rate, same payoff date, no refinance.
CPM Calculator — Cost Per Mille & Ad Cost Solver
Solve for CPM, total ad cost, or impressions from any two known values. Includes bonus CPC and CTR calculation and platform CPM benchmarks.
High-Yield Savings Calculator — HYSA Growth & Comparison
Calculate HYSA growth with monthly contributions and see exactly how much more interest you'd earn vs a traditional bank's average 0.38% APY.
No-Vig Calculator — Fair Odds & Devig Sports Betting
Remove the sportsbook vig from American odds to find true implied probability and fair odds for both sides of a two-way market.
NPS Calculator — Net Promoter Score
Calculate your Net Promoter Score from response counts or raw 0-10 ratings, with Promoter/Passive/Detractor breakdown and industry benchmark tiers.
Pay Raise Calculator — Salary Increase & Real Raise
Solve for new salary, raise percentage, or dollar increase. See the per-paycheck impact and your real raise after inflation.
Paycheck Calculator — Take-Home Pay by State (2026)
Calculate net take-home pay for any US state with 2026 federal brackets, FICA, and detailed state tax. Covers all 9 no-tax and 14 flat-tax states plus CA/NY.
Scrap Silver Calculator — Melt Value by Purity & Weight
Calculate scrap silver melt value from purity (sterling, coin, fine), weight, and spot price. Includes estimated dealer payout percentage.
Scrap Gold Calculator — Melt Value by Karat & Weight
Calculate scrap gold melt value from karat, weight, and spot price. Supports grams, pennyweight, troy oz, and estimated dealer payout percentage.
Share Incentive Plan (SIP) Calculator — UK Employee Shares
Calculate UK SIP shares from partnership, matching, and free shares, plus tax saved and tax owed by holding period under 2025/26 HMRC rules.
403(b) Calculator — Project Your Retirement Savings
Calculate 403(b) retirement savings with employer match, catch-up contributions, fee drag, and Traditional vs Roth after-tax comparison.
Indiana Child Support Calculator (2024 Guidelines)
Estimate Indiana child support using the 2024 Income Shares guidelines — BSO lookup, NCP share, parenting time credit, childcare, and insurance add-ons.
Law School Admissions Calculator — LSAT & GPA Chances
Estimate law school admission chances by LSAT, GPA, URM status, and work experience. Covers T14 through T50 schools with reach/target/safety.
Reverse Tax Calculator — Find Pre-Tax Price from Total
Work backwards from total price to find pre-tax amount and tax paid. US state rates, VAT, GST, HST presets included. Supports multiple items.
SCHD Dividend Calculator — Income & DRIP Projections
Calculate SCHD dividend income, DRIP growth, and shares needed for target income. Year-by-year projections with quarterly payment schedule.
Copart Fee Calculator: Buyer Fees & Total Cost 2026
Calculate Copart buyer fees, virtual bid fees, gate fees, and total cost. Full 2026 fee schedule for secured and unsecured payments included.
Grailed Fee Calculator: Seller Fees & Net Payout 2026
Calculate Grailed seller fees, net payout, and profit. Full 2026 fee schedule — 9% commission on sale + shipping, all payment scenarios, reverse pricing mode.
GM Income Calculator: Monthly Income for GM Financial
Convert hourly, salary, bi-weekly, semi-monthly, or YTD pay to monthly gross income — the exact figure GM Financial uses to evaluate your auto loan.