Precision financial tools.
No advice, just math.

100 Minus Age Asset Allocation Calculator

Calculate stock-vs-bond allocation using the 100-minus-age rule of thumb — see the suggested percentage split for any age you put in.

Active vs Passive Investing Calculator

Compare active versus passive investing over the long run. See how a percentage point of extra fees compounds into a wealth gap over decades.

Annuity Present Value Calculator

Calculate the present value of an ordinary annuity from regular payments, periodic rate, and the number of periods until the stream ends.

APR to APY Calculator

Convert APR to APY for any compounding frequency to see the true effective annual yield — what you actually earn (or pay) on a given quoted rate.

Asset Allocation Calculator

Calculate suggested portfolio asset allocation by age and risk tolerance (stocks/bonds/cash). Enter risk tolerance 1-10 to see suggested stock and bond.

Asset Allocation Drift Calculator

Calculate drift between current and target asset allocation to decide if rebalancing is needed. Enter equity to see drift percentage and rebalance flag.

Asset Allocation Return Calculator

Calculate weighted average return of a portfolio across equity, bond, and cash allocations. Enter equity return to see weighted portfolio return.

Bond Duration Calculator

Calculate bond Macaulay and Modified duration to gauge price sensitivity to interest rate changes — the bond investor's risk metric.

15 vs 30 Year Mortgage Calculator

Compare 15-year versus 30-year mortgage showing interest savings and monthly payment difference. Enter loan amount and 15-year rate to size affordability.

Balloon Mortgage Calculator

Calculate balloon mortgage payment due. See monthly payment, total paid before balloon, and final lump sum. Enter loan amount to size affordability.

Blended Rate Mortgage Calculator

Calculate the blended (weighted-average) interest rate across two mortgage loans of different balances and rates. Free and educational.

Bridging Loan Calculator

Calculate the total cost of a short-term bridging loan including monthly interest and arrangement fees over a chosen exit timeline.

Buy to Let Affordability Calculator

Calculate buy-to-let affordability using interest cover ratio (ICR) and stress-tested rate. Enter property price to see icr and stress-tested affordability.

Construction Loan Calculator

Calculate interest-only payments and total interest paid during a construction loan build phase, accounting for staged drawdowns.

Down Payment Calculator

Calculate down payment from home price plus closing costs and months-to-save at current rate. Enter target home price and savings to size affordability.

Early Mortgage Payoff Calculator

Calculate years and interest saved by making extra mortgage payments. See impact of regular overpayments. Enter mortgage balance to size affordability.

50/30/20 Budget Rule Calculator

Calculate your 50/30/20 budget rule split from monthly take-home income and compare needs, wants, and savings against your actual spending.

Annual Car Running Cost Calculator

Calculate the full annual cost of car ownership: fuel, insurance, road tax, servicing, tyres, and depreciation. See true per-mile cost.

Annual Expense Calculator

Add up your total yearly expenses from monthly recurring costs plus one-off annual bills. See where your money goes across each spending category.

Bread Maker Break-Even Calculator

Calculate when a bread maker pays for itself. Enter machine cost, ingredient cost, shop loaf price, and weekly usage to see break-even in weeks.

Budget Calculator

Calculate monthly budget surplus or deficit from income and core expenses. See savings rate, housing percentage, annual surplus.

Budget vs Actual Variance Calculator

Calculate budget variance from budgeted versus actual spending with monthly figure and annualised projection of the gap.

Coffee Machine vs Cafe Break-Even Calculator

Calculate how quickly a home coffee machine pays back versus café purchases — per-cup savings and multi-year cumulative totals.

Grocery Budget Calculator

Calculate weekly, monthly, and annual grocery budget from household adults, children, and per-person food cost assumptions.

Accounts Payable Turnover Calculator

Calculate accounts payable turnover and days payable outstanding from supplier purchases and average AP. Free educational tool.

Accounts Receivable Turnover Calculator

Calculate accounts receivable turnover and days sales outstanding from credit sales and average AR — how fast your invoices actually convert.

Adjusted EBITDA Calculator

Calculate adjusted EBITDA with add-backs for owner compensation, one-off costs, and non-recurring items — the version a buyer or lender will actually use.

Airbnb Host Profit Calculator

Calculate Airbnb host profit by entering your nightly rate, occupancy, fees, cleaning costs, mortgage, and expenses to see monthly and annual net profit.

Asset Turnover Calculator

Calculate asset turnover ratio from revenue and total assets — a measure of how efficiently a business generates sales from its asset base.

Break-Even Calculator

Calculate break-even point. Enter fixed costs, selling price, and variable cost to see units needed to cover costs. Free and educational.

Business Emergency Fund Calculator

Calculate your business emergency fund target and months to reach it based on operating expenses, coverage months, and monthly contributions.

Capital Expenditure Calculator

Calculate capital expenditure from PP&E change and depreciation, plus capex intensity as a percentage of revenue for sector comparison.

Hotel ADR Calculator

Calculate hotel ADR, RevPAR, and occupancy from revenue and rooms data. Enter room revenue, rooms sold, rooms available, and period to size hotel performance.

Catering Business Calculator

Calculate catering business profit by entering events, guests, price per guest, food cost, labour, and fixed overheads to see monthly net profit.

Food Cost Percentage Calculator

Calculate restaurant food cost percentage and gross margin from menu price and ingredient cost — the operator's first sanity check on a dish.

Food Truck Profit Calculator

Calculate food truck monthly profit from days worked, items per day, price, food cost, labour, and fixed costs. Free — no signup.

Menu Pricing Calculator

Calculate menu price from ingredient cost and target food cost percentage. Enter labour allocation per dish to size table economics.

Restaurant Profit Calculator

Calculate restaurant monthly profit from revenue, food cost %, labour cost %, and fixed overheads. Check prime cost ratio.

Affiliate Commission Calculator

Calculate affiliate commission earnings from clicks, conversion rate, order value, and commission percentage. Free educational tool.

Affiliate Marketing Income Calculator

Calculate affiliate marketing income from clicks, conversion rate, and commission per sale or per-order commission rate.

Amazon Associates Income Calculator

Calculate Amazon Associates affiliate income from traffic, click-through rate, conversion rate, and average commission per sale.

App Revenue Calculator

Calculate app revenue from DAU, monetisation, and store fees. Enter daily active users and revenue per dau monthly to see app net revenue after app store fees.

Beauty Business Revenue Calculator

Calculate beauty business annual revenue from clients per day, service price, working days, and uplift from retail product sales.

Blog Advertising Revenue Calculator

Calculate blog advertising revenue from pageviews and CPM rate, across different ad networks and ads-per-page densities.

Content Creator Revenue Calculator

Calculate monthly content creator revenue from ad RPM, sponsorships, and affiliate commissions. Enter views to see total monthly revenue.

Gumroad Earnings Calculator

Calculate Gumroad net earnings from sales volume, product price, and the platform plus payment processing fees taken off the top.

After Repair Value (ARV) Calculator

Calculate real estate flip profit with after-repair value, repair costs, and the 70% rule check — the standard wholesaler maths.

Buy-to-Let Calculator

Calculate buy-to-let ROI by combining rental yield and property appreciation over your chosen hold period. Enter price, rent, and expenses to get started.

Buy-to-Let Mortgage Stress Test Calculator

Stress test a buy-to-let mortgage against typical lender DSCR requirements — see if rents cover interest at stressed rate scenarios.

Cap Rate Calculator

Calculate real estate cap rate from net operating income and purchase price, plus the implied value at typical market cap rates.

Cash-on-Cash Return Calculator

Calculate cash-on-cash return for a real estate investment — annual pre-tax cash flow divided by cash actually invested into the deal.

Data Centre Investment Calculator

Calculate data centre investment cap rate and net operating income from power capacity, rental rate per kW, occupancy, and operating costs.

Property Appreciation Calculator

Project future property value from a compound annual appreciation rate. Enter a current value, growth rate, and time horizon to see the projected value.

Real Estate Syndication LP Return Estimator

Estimate the LP annualised return on a real estate syndication from preferred return, GP promote, and exit multiple. Simple-pref accrual.

After-Tax Yield Calculator

Calculate after-tax yield on bonds or savings by entering your pre-tax yield and marginal income tax rate to see the return you actually keep.

Airbnb Income Calculator

Calculate Airbnb income with monthly and annual net estimates from nightly rate, occupancy percentage, cleaning fees, and operating costs.

Airbnb vs Long-Term Rental Calculator

Compare net income from Airbnb short-term rental vs long-term rental strategies with this annual income calculator for the same property.

Amazon Flex Pay Calculator

Work out how much you can earn with Amazon Flex after vehicle costs and a self-employment tax reserve. See annual net income and effective hourly rate.

Annual Leave Value Calculator

Calculate the monetary value of your annual leave days as a share of salary — useful when negotiating PTO into a comp package.

Annual to Monthly Salary Calculator

Convert annual salary to monthly, weekly, daily, and hourly equivalents using standard full-time working-time assumptions for any income.

Career Earnings Peak Calculator

Project your peak career earnings with this career earnings peak calculator using current salary, annual growth rate, and years to peak.

Charitable Donation Tax Relief Calculator

Calculate the tax relief available on a charitable donation based on your marginal tax rate. Enter gross donation to see relief received and the true net cost.

Agency Margin Calculator

Compute agency gross and net margin from revenue, contractor costs, and overhead. Returns net margin, gross profit, net profit, and gross margin in one view.

Agency vs Freelance Income Calculator

Compare net income from running an agency versus working as a freelancer. Returns net income, effective hourly rate, and the gap between the two models.

AI Implementation ROI Calculator

Calculate AI implementation ROI from cost, time savings, labour hourly rate, and the multi-year horizon over which it pays back.

Annual Freelance Revenue Calculator

Project annual freelance revenue from monthly billable hours, hourly rate, and effective working months per year. Returns annual revenue and monthly revenue.

Billable Hours Calculator

Calculate annual billable hours and revenue from weekly hours, utilisation rate and weeks worked. See billable versus non-billable time and income.

Client Acquisition Cost Calculator

Compute customer acquisition cost (CAC) and the LTV-to-CAC ratio from marketing spend, sales spend, new clients, and average client value.

Coworking vs Office Calculator

Compare total cost of a coworking membership versus a dedicated office over a chosen planning horizon, including utilities and setup.

Freelance Annual Income Calculator

Calculate your annual net freelance income from hourly rate, billable hours, working weeks, and overhead costs to see gross and net figures.

AI Tool ROI Calculator

Calculate AI tool ROI by comparing subscription costs against time savings valued at your hourly rate, given hours saved per week.

Automation ROI Calculator

Calculate the ROI of an automation tool. Compare hours saved, hourly value, setup cost, and subscription fees to find break-even and annual savings.

Commute Time Wealth Loss

Estimate lifetime wealth loss from commuting time converted to monetary value based on hourly income potential and career earnings.

Commute vs Pay Rise Calculator

Compare new job salary increase against the time and cost of a longer commute. Enter one-way commute min to see net benefit or cost and salary increase.

Conference Attendance ROI Calculator

Calculate conference attendance ROI including time cost and expected income uplift. Enter registration cost to see net benefit and total investment.

LinkedIn Premium Value Calculator

Calculate LinkedIn Premium ROI from expected job offers and salary uplift over benefit period. Enter subscription to see net benefit and annual subscription.

Overtime Pay vs Free Time Logic

Calculate whether working overtime is financially worthwhile after tax, fatigue costs, and the value you place on your free time.

Air Fryer vs Oven Calculator

Work out the energy-cost payback period for an air fryer vs a conventional oven. Enter both prices and per-meal energy use to see when it pays back.

Biweekly Auto Payment Calculator

Calculate interest savings from biweekly versus monthly auto loan payments — see how much an extra payment per year actually saves.

Boat Ownership Cost Calculator

Calculate boat ownership costs including mooring, insurance, fuel, maintenance, and depreciation to estimate annual and lifetime totals.

Boiler Replacement Savings Calculator

Calculate annual savings and payback period from replacing an old inefficient boiler, given current annual gas bill and efficiency gain.

Car Depreciation Calculator

Calculate car depreciation over time. Enter purchase price, annual rate, and years to see remaining value and total lost.

Car Loan vs Cash Calculator

Compare car loan versus cash purchase including the investment opportunity cost on the cash you'd otherwise tie up in the vehicle.

Car Running Cost Calculator

Calculate true annual car running cost. Sum insurance, fuel, maintenance, road tax, inspection fees, and depreciation to see real cost of ownership.

Dishwasher Payback Calculator

Calculate payback period for a dishwasher in time saved and water/energy savings vs handwashing. See years to break-even on purchase price.

Airport Parking vs Taxi Calculator

Compare airport parking versus taxi cost based on trip duration and convenience — which way wins at your typical trip length.

Bicycle Commute Savings Calculator

Calculate how quickly a bicycle pays for itself in commute savings. See five-year savings and payback period. Free and educational.

Car Depreciation per Mile Calculator

Calculate car depreciation per mile to understand true driving cost. Enter purchase price, resale value, and miles driven to see the per-mile loss.

Event Cost Calculator

Calculate all-in event cost: tickets, travel, accommodation, food, extras. Enter ticket cost to see all-in cost plus per-person if splitting.

Fuel Tank Fill Cost Calculator

Calculate fuel tank fill cost with monthly, annual, and five-year projections — the real cost of refuelling at your current pattern.

Music Lesson ROI Calculator

Calculate music lesson ROI based on per-hour cost, frequency, and the long-run value of musical skill or income from teaching it.

Pet Insurance Lifetime Value Calculator

Calculate pet insurance lifetime value vs total premiums paid, factoring in claim probability and your pet's expected lifespan.

Taxi vs Car Ownership Break-Even

Calculate break-even point between taxi/ride-sharing and car ownership. Enter car cost all-in to see break-even between car ownership and taxi/ride-sharing.

Amazon FBA Profit Calculator

Calculate Amazon FBA net profit per unit after referral fee, fulfilment fee, storage cost, and product cost from your selling price.

App Store Fee Calculator

Work out app store commission on annual revenue, comparing the standard rate against the reduced small-business and subscription rates.

Average Order Value Calculator

Calculate average order value (AOV) by dividing total revenue by number of orders — a widely used ecommerce performance metric.

Dropshipping Profit Calculator

Calculate dropshipping profit per sale by entering supplier cost, platform fees, ad spend, and shipping to see margin and net profit.

eBay Fee Calculator

Work out eBay selling fees on any sale: final value fee, payment processing and the fixed per-order charge, plus net revenue and take rate.

eBay Profit Calculator

Work out eBay net profit per sale after final value fees, payment processing and the shipping gap — what actually lands in your account.

Import Business Profit Calculator

Calculate import profit from units imported, supplier price, shipping, customs duty, and your selling price into the local market.

Marketplace Commission Calculator

Calculate marketplace total fees from commission, payment processing, listing, and advertising percentages applied to the sale price.

Amortisation Schedule Calculator

See how a standard amortising loan splits between principal and interest in year 1. Enter loan amount, annual rate, and term to see monthly payment too.

Annual Cost of Credit Calculator

Calculate total annual interest cost across all your debt balances and rates. Enter credit card balance and credit card APR to size total interest cost.

APR vs Flat Rate Comparison Calculator

Convert a flat rate loan quote into an estimated APR equivalent. See the approximate APR alongside the quoted flat rate, monthly payment, and total cost.

Auto Loan Comparison Calculator

Compare two auto loan offers side by side on monthly payment and lifetime interest paid — find the cheaper option at your loan size and term.

Auto Loan Lifetime Cost Calculator

Calculate total lifetime auto-loan cost across several cars and loan terms. Enter typical loan amount to see total principal + interest across the vehicles.

Auto Loan Payoff Calculator

Calculate auto loan payoff timeline with optional extra payments. See interest saved and total paid to map your payoff timeline.

Auto Loan Refinance Calculator

Estimate total savings from refinancing an auto loan at a lower rate. See old and new monthly payments, monthly savings, and savings as % of balance.

Balance Transfer Savings Calculator

Compare staying on a card vs a balance transfer with a real declining-balance simulation. See net interest saved, payoff months, and fee break-even.

Angel Investment Return Calculator

Calculate angel investment exit proceeds, MOIC, and IRR with dilution factored in, given initial investment and initial ownership percentage.

Business Exit Value Calculator

Estimate your business exit value using a blended revenue and profit multiple approach with an industry growth factor applied.

Business Idea Profitability Calculator

Calculate gross profit and break-even volume for a business idea from unit economics. Enter unit revenue to see per-unit profit and break-even volume.

Business Line of Credit Calculator

Calculate total business line of credit cost including interest on drawn balance and unused commitment fees on the undrawn portion.

Business Loan Calculator

Calculate business loan monthly repayment and the cumulative interest paid across the loan's full term at any rate and amortisation length.

Business Protection Calculator

Calculate business protection cover needed for key person from profit contribution, replacement time, recruitment, and loans.

Business Valuation Calculator

Estimate business valuation using both an earnings-multiple approach and a net-asset approach — the two numbers usually bracket the real range.

Convertible Note Calculator

Calculate convertible note conversion ownership at the next funding round from note size, valuation cap, and discount rate.

Annual Recurring Revenue Growth Calculator

Calculate your annual recurring revenue growth rate year-over-year and track absolute ARR added — the core SaaS metric investors review first.

ARR Calculator

Calculate current ARR and forecast future ARR using your MRR and monthly growth rate over a 12 to 24 month projection horizon.

Payback Period Calculator

Calculate payback period in years and months by dividing your initial investment cost by steady annual cash inflows. No time value of money.

SaaS Revenue Calculator

Project SaaS revenue with this SaaS revenue calculator. Forecast cumulative revenue, ending MRR, and annualized run rate over any growth period.

App Development Cost Calculator

Estimate total app development cost from team hours, hourly rates, platform complexity, and a 15% project-management buffer.

CDN Cost Calculator

Calculate monthly CDN cost from data transferred, request volume, and storage at the per-GB price your provider charges.

Cloud Cost Calculator

Calculate cloud compute storage and bandwidth costs with reserved discount. Enter compute monthly to see cloud net monthly cost across compute and storage.

Cloud Migration ROI Calculator

Calculate cloud migration ROI from current infrastructure cost, cloud cost, migration costs, and productivity gains. Free — no signup.

Font Licensing Calculator

Calculate font licensing cost from font count, base licence, user count, and any web-use multipliers the foundry applies.

Kubernetes Cost Calculator

Calculate monthly Kubernetes cluster cost including worker nodes, control plane, and add-on services like ingress and monitoring.

Project Management Cost Calculator

Calculate project management tool total cost including licences and admin time. Enter users to see pm tool monthly cost from users and per-user cost.

Software Licensing Cost Calculator

Calculate total annual software licensing costs by combining base licence fees with support and upgrade percentages across all deployed licences.

Apprenticeship vs University Calculator

Compare lifetime earnings with our apprenticeship vs university calculator. Model net income across both routes based on salary, costs, and study years.

Buy vs Lease Car Calculator

Compare the total cost of buying a car outright against leasing across a matched ownership period. Enter buy price to see net cost of each path over the period.

Career Break Finances Calculator

Calculate total financial cost of a career break including lost salary, employer match, and expenses during time off. Free and educational.

Career Change Financial Impact Calculator

Weigh up the money side of changing careers. Compare salary before and after plus transition costs to see the net financial impact over your chosen horizon.

Children's Education Fund Calculator

Plan a children's education fund. Calculate target amount based on degree cost and monthly savings needed to reach it by the child's university age.

Coast FIRE Calculator

Calculate Coast FIRE number — the minimum savings needed to compound into full FIRE without further contributions, given age and return assumption.

Coast FIRE Planner

Coast FIRE planner: project whether your current investments can grow to your retirement target with no further contributions, year by year, in any currency.

Expense Inflation Forecast Tool

Forecast monthly expense growth over 10-year period. Project future budget requirements for retirement planning and long-term financial planning.

Batch Cooking Savings Calculator

Calculate your batch cooking savings vs individual meals. Enter meal costs and weekly frequency to estimate your total annual food budget savings.

Cloud Storage Cost Calculator

Calculate total cloud storage cost per month and year across storage, egress, and API usage. Enter storage gb to see total monthly and annual cost.

Coffee Habit Annual Calculator

Calculate annual coffee spending and the long-term investment opportunity cost of buying a daily coffee instead of brewing it.

Currency Exchange Fee Calculator

Calculate true cost of currency exchange including the hidden FX spread that providers add over the mid-market rate, plus transfer fees.

Discount Calculator

Calculate final price after a percentage discount and see the indicative amount saved and implied multiplier for any sale or markdown.

Electricity Bill Estimator

Estimate your electricity bill from kWh usage and unit rate, with monthly totals, annual projection, and daily cost breakdown.

Markup Calculator

Calculate selling price from cost plus markup percentage, with the corresponding gross margin shown alongside for context.

Meal Planning Savings Calculator

See yearly savings from weekly meal planning — reduced grocery waste and fewer takeaway nights add up to a meaningful annual figure.

Battery Storage ROI Calculator

Battery storage break-even year and lifetime return after the install cost is paid off through projected annual savings on bills.

Biomass Boiler ROI Calculator

Calculate biomass boiler ROI by comparing installation cost to annual fuel savings, with the resulting break-even year and lifetime saving.

Bulk Refill vs Individual Packaging

Compare long-term costs and environmental waste between bulk refill products and individual packaged versions with savings calculations.

Carbon Offset Calculator

Annual and lifetime cost of offsetting your CO2 emissions, based on volume, market price per tonne, and any reduction efforts you're already making.

Electric Bike ROI Calculator

Calculate e-bike ROI vs car or public transport — see the payback period from reduced commuting costs at your daily distance and frequency.

Electric Bike vs Car Calculator

Calculate e-bike payback from replacing car commuting and associated vehicle costs, with the annual car-cost offset broken out.

Energy Rating Improvement Cost Calculator

Calculate payback period and net benefit from energy efficiency improvements including bill reduction and property value uplift.

Ethical Shopping Premium Calculator

Calculate the annual premium spent on ethical shopping alternatives versus conventional pricing — see what 'shop your values' costs in pure dollar terms.

Break-Even Age Calculator

Calculate break-even age when you hit a financial target. Enter net worth to see age you'll reach a target net worth given current net worth and annual savings.

Cost of Procrastinating Investing Calculator

Calculate the opportunity cost of delaying investing for years through compound growth lost on the contributions you didn't make.

Financial Age Calculator

Calculate financial age based on net worth relative to age-adjusted benchmark targets — how 'old' your finances look versus your actual age.

Financial Independence Age Calculator

Calculate projected age of financial independence from current savings and annual contribution rate at an assumed return.

Financial Life Simulator

Simulate your financial life across the decades, from income and spending to investing and retirement, to see how today's choices shape long-term wealth.

Financial Regret Cost Calculator

Calculate compound cost of past financial decisions at current value. Enter original amount and years ago to see opportunity cost and original amount.

Hidden Payslip Calculator

Calculate take-home pay after income tax, payroll tax, health insurance, and retirement deductions to reveal your hidden payslip percentage.

Impulse Buy Lifetime Cost Calculator

Calculate multi-decade cost of impulse buying including the investment opportunity cost of redirecting that spend into long-term assets.

Bucket Retirement Strategy Calculator

Allocate retirement savings across three buckets — immediate cash, medium-term income, and long-term growth. Enter retirement pot to see each bucket's amount.

Bucket Strategy Calculator

Split a portfolio into near-term cash, medium-term bonds, and long-term growth buckets based on target allocations across each band.

Cash vs Invest Calculator

Compare long-term value of holding cash vs investing the same amount at expected market returns. Enter cash rate and investment return to see opportunity cost.

CD Calculator — Certificate of Deposit Growth

CD calculator for certificates of deposit. Enter principal, APY, and term to see maturity value, interest earned, and effective yield.

CD Early Withdrawal Penalty Calculator

Calculate CD early withdrawal penalty cost and net amount received. Enter CD principal and CD APY to see penalty amount and interest earned.

College Savings Calculator

Calculate required monthly savings for future college costs using inflation-adjusted tuition and investment growth projections.

Portfolio Drawdown Calculator

Calculate how long a portfolio will last at a specified annual withdrawal rate and expected return. Enter portfolio value to see years the portfolio sustains.

Education Savings Calculator

Estimate monthly savings needed with our education savings calculator. Enter your target, years, balance, and return rate to find your required contribution.

Cafe Weekly Compound Cost Calculator

Calculate the compounded future value of a weekly café spend if it had been invested instead — the long-tail cost of a small habit.

Charity Compound Impact Calculator

Calculate total lifetime charitable giving at a consistent monthly amount. Enter uplift and years to see total nominal lifetime giving.

COBRA Insurance Calculator

Calculate total COBRA continuation health insurance cost after employment ends, given the previous employer's full monthly premium.

Credit Card Rewards Value Calculator

Calculate net annual value of credit card rewards after the annual fee. Enter spend and reward rate to see net rewards value.

Emergency Fund Calculator

Calculate emergency fund target and timeline to reach it from expenses and contributions. Enter months of coverage to see target amount and current gap.

Financial Stability Score

Calculate financial stability score by analyzing income, savings, debt levels, and emergency fund coverage. Measure overall financial health and resilience.

Income Shock Survival Simulator

Calculate emergency fund duration if income completely stopped. Stress-test financial resilience and determine months of expenses covered by savings.

Index Fund vs Active Fund Calculator

Compare index fund vs active fund final wealth over a multi-decade horizon, accounting for the compounding effect of fee drag.

Net Worth by Age Calculator

Compare your net worth against an age-based benchmark from income and current age — see how the maths places you on the curve.

Net Worth Calculator

Calculate your net worth. Sum savings, investments, and property minus mortgage and debts to see your financial position.

Cost of Living Crisis Calculator

Calculate cost-of-living crisis impact on monthly spend — extra annual cost plus the cumulative inflation burden across years.

Inflation Calculator

Calculate the future real value of money after inflation — see purchasing power lost across years at any inflation rate.

Lifestyle Inflation Detector

Quantify lifestyle inflation by tracking spending growth relative to income increases. Identify where additional earnings are allocated and spent.

Purchasing Power Calculator — Money's Value Over Time

See what a sum of money is worth in any past or future year as inflation changes its value. Compare buying power year by year on one timeline.

Real Wage Growth Calculator

Calculate real wage growth after inflation — see whether a nominal raise actually increases purchasing power against the cost-of-living rise.

Crypto Cost Basis Calculator

Calculate crypto cost basis per coin from purchase amount and transaction fees. Enter coins purchased and amount paid to find your per-coin cost basis.

Crypto Investment Calculator

Crypto investment calculator. Enter amount, expected annual return, and years to see projected value and total return on your crypto position.

Crypto Portfolio Calculator

Crypto portfolio calculator. Enter quantities and prices across multiple coins to see total value, allocation percentages, and concentration risk.

Crypto Profit Calculator

Calculate crypto profit or loss after fees. Net gain, ROI percentage, and total fee drag. Enter units owned and buy price to see net gain after fees.

Mining Rig ROI Calculator

Calculate crypto mining rig payback period and net profit. Enter rig cost and hashrate (TH/s) to estimate payback period and net profit.

Stablecoin Yield Calculator

Stablecoin yield calculator. Project yield on USDC, USDT, or DAI holdings at user-supplied APY — fiat-denominated math without crypto price volatility.

Funnel Conversion Calculator

Calculate sales funnel conversion and expected revenue through stages from top-of-funnel visitors and per-stage conversion rates.

Penetration Pricing Calculator

Calculate penetration pricing: entry price, total subsidy cost, and projected market share across your full penetration phase instantly.

PR Value Calculator

Calculate PR campaign value from media impressions, CPM equivalent rates, and the additional value of tier-1 publication mentions.

Price Sensitivity Calculator

Calculate price sensitivity with this price elasticity of demand calculator. Input old and new prices and volumes to get an elasticity coefficient.

Long-Term Care Cost Calculator

Calculate long-term care costs with inflation projection. Enter years of care and care cost inflation to size cover needed.

Product Liability Calculator

Calculate product liability expected cost and recommended insurance cover from units sold, defect rate, and claim values.

Professional Indemnity Calculator

Calculate professional indemnity insurance cover from fee income, largest contract, and claims history to project annual premium cost.

Public Liability Insurance Calculator

Estimate a public liability insurance premium from annual turnover, desired coverage limit, and an industry risk factor.

Trade Credit Insurance Calculator

Calculate trade credit insurance annual premium from credit sales, premium rate, deductible, and max claim. Free educational tool.

School Fees Lifetime Cost Calculator

Calculate total private school fees across years with annual fee inflation. Enter years of schooling to see total nominal fees over the period.

Wedding Insurance Calculator

Calculate wedding insurance expected value. Enter budget, cancellation probability, and premium to see if it pays. Free — no signup.