Division 01 · Financial Tools
Financial calculations, made clear and practical.
57 calculators for loans, deposits, investment, capital budgeting, financial ratios, personal planning and business finance. Each one shows the formula it uses, draws a graph and explains what the result means.
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Time Value of Money
Present value, future value, compounding and annuities.
- Future ValueEstimate what a single amount may grow to at a stated annual rate and compounding frequency.
- Present ValueFind today’s equivalent of a future amount using a stated annual discount rate.
- Compound InterestSee the ending balance and the interest earned when interest compounds over time.
- Future Value of an AnnuityEstimate the future value of equal deposits made at the end of each payment period.
- Present Value of an AnnuityFind today’s value of equal payments received at the end of each period.
Loans & Credit
EMI, amortization, mortgages, refinancing, affordability and credit cards.
- Loan Payment / EMIEstimate the equal payment needed to repay a fixed-rate loan.
- Loan AmortizationSee each payment split between principal and interest, with the balance declining to zero.
- MortgageEstimate mortgage principal and interest, with property tax and insurance displayed separately.
- Extra PaymentSee how recurring extra principal payments may reduce interest and shorten payoff.
- Loan InterestModel simple or compound interest and compare the resulting amounts.
- Debt-to-Income (DTI)Compare housing-only front-end DTI with back-end DTI using all listed monthly debts.
- Loan RefinancingCompare the remaining monthly cost of an existing loan with a new loan and upfront fees.
- Credit Card InterestEstimate daily-periodic-rate interest and an ending balance for one billing period.
- Credit Card PayoffEstimate card payoff time and interest using a fixed or percentage-based monthly payment.
- Loan AffordabilityEstimate a monthly payment and loan size from income, debts, a user-set DTI cap, and optional expenses.
Banking & Savings
Fixed deposits (FDR), DPS, savings goals, inflation and deposit deductions.
- Fixed Deposit (FDR)Estimate gross and after-deduction maturity for a fixed-rate deposit.
- DPS / Recurring DepositEstimate maturity from equal monthly deposits and selected deposit timing.
- Savings GoalFind the regular contribution needed to reach a future savings target.
- Inflation-Adjusted SavingsCompare future nominal savings with their estimated purchasing power in today’s money.
- Deposit Tax & Excise Duty EstimatorEstimate withholding on interest or separately apply user-entered excise duty to account totals.
Investment
Returns, ROI, CAGR, share cost averages, dividend and bond yields.
- Investment ReturnMeasure total holding-period return from ending value and income received.
- ROICompare total project benefits with the initial cost and additional expenses.
- CAGRFind the smoothed annual compound growth rate between two investment values.
- Stock AverageCalculate weighted average share cost after a new purchase and fees.
- Dividend YieldCompare annual dividend per share with current price and estimate income.
- Bond YieldEstimate current yield and yield to maturity for a conventional fixed-coupon bond.
Capital Budgeting
Net present value, internal rate of return and payback for projects.
Financial Ratios
Liquidity, leverage, profitability, per-share and coverage ratios.
- Current RatioCompare current assets with current liabilities and calculate working capital.
- Quick RatioCompare cash, marketable securities, and receivables with current liabilities.
- Debt-to-Equity RatioCompare interest-bearing borrowings with shareholders’ equity.
- Debt RatioCompare total liabilities with total assets and show the residual equity ratio.
- Gross Profit MarginMeasure product-level gross profit and margin after cost of goods sold.
- Operating Profit MarginMeasure operating profit after product costs and operating expenses.
- Net Profit MarginCompare net income, including losses, with revenue.
- Return on Assets (ROA)Compare period net income with average beginning and ending assets.
- Return on Equity (ROE)Compare net income with average shareholders’ equity for the period.
- Earnings Per Share (EPS)Estimate earnings attributable to each weighted average ordinary share.
- Price-to-Earnings (P/E) RatioRelate current share price to the entered earnings per share.
- Interest Coverage RatioCompare EBIT with interest expense to review interest payment capacity.
Personal Planning
Budgets, emergency funds, retirement and education savings.
- Monthly Budget PlannerCompare take-home income with the expense categories and savings contributions you enter.
- Emergency FundEstimate a reserve target from essential expenses, coverage months, current savings, and a planned contribution.
- Retirement PlanningProject retirement savings in nominal terms and in today’s purchasing power, with an optional income target comparison.
- Education SavingsEstimate the future cost of education and the monthly savings needed to fund it.
Business Finance
Break-even, working capital, operating cycle and cash conversion.
- Working CapitalCalculate net working capital and compare current, quick, and cash liquidity measures.
- Operating CycleEstimate the days from acquiring inventory through collecting cash from customers.
- Cash Conversion Cycle (CCC)Estimate how long cash remains tied up after considering supplier payment timing.
- Break-Even AnalysisFind the sales volume and revenue required to cover operating costs.
Corporate Finance & Leverage
Cost of capital, WACC, EVA, leverage and EBIT–EPS analysis.
- Cost of EquityEstimate shareholders’ required return using CAPM or the Dividend Growth Model.
- Cost of DebtEstimate before-tax and after-tax borrowing cost with user-entered tax assumptions.
- WACCCombine market-value capital weights and component financing costs.
- Economic Value Added (EVA)Compare after-tax operating profit with the cost of invested capital.
- Degree of Operating Leverage (DOL)Measure how a fixed operating cost structure magnifies changes in sales into EBIT sensitivity.
- Degree of Financial Leverage (DFL)Estimate how fixed interest and preferred dividends affect common earnings sensitivity to EBIT.
- Degree of Combined Leverage (DCL)Combine operating cost sensitivity and fixed financing obligations into sales-to-common-earnings sensitivity.
- EBIT–EPS AnalysisCompare EPS under two financing plans across a user-selected EBIT range.
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How the calculators work
More than an answer: the reasoning behind it.
Transparent formulas
Every calculator states its formula and assumptions, validates your inputs and explains errors in plain language.
Graphs and the story behind the numbers
Open the detailed analysis to see a graph, a breakdown and a step-by-step narrative of how the result was reached.
Reports, CSV and sharing
Print or save a report as PDF, export schedules to CSV and share the inputs. Values stay in your browser; share links contain the inputs you choose to share.
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