Financial tool map
Loans & debt
Payments, interest, credit cards, vehicle loans, and payoff plans.
Choose the tool whose inputs and output match your task. Check each calculator’s assumptions and limitations before using its result.
50/30/20 Rule Calculator
Split monthly after-tax income into the classic 50/30/20 budget buckets for needs, wants, and savings or debt repayment, with a worked example and practical adjustment tips.
A/R Days (Days Sales Outstanding) Calculator
Calculate A/R days from accounts receivable, net credit sales, period days, and an optional average receivable balance to evaluate collection speed.
After-Tax Cost of Debt Calculator
Estimate after-tax cost of debt from a before-tax borrowing rate, pre-tax income, and net income using the tax shield formula.
Altman Z-Score Calculator
Calculate the classic Altman Z-Score using five weighted ratios for liquidity, retained earnings, operating profit, market leverage, and asset turnover.
Amortization Calculator
Build a principal-and-interest amortization schedule with monthly payment, total interest, payoff time, and first-year principal details.
APR Calculator
Estimate a loan annual percentage rate from stated interest, compounding, payment frequency, rolled-in fees, and up-front fees.
APY Calculator
Convert a nominal APR, compounding frequency, deposit, and term into annual percentage yield, final deposit value, and interest earned.
Average Collection Period Calculator
Calculate average collection period from average accounts receivable, credit sales, period days, and credit terms to evaluate invoice collection speed.
Balance Transfer Calculator
Compare a credit card balance transfer against the old card after transfer fees, promotional APR, regular APR, and payments.
Biden Tax Plan Calculator
Estimate a dated 2021 Biden tax-plan scenario against a baseline federal income-tax estimate using AGI, filing status, family credits, and a proposed high-income rate.
Bike EMI Calculator
Estimate the monthly EMI, total payable, and interest due for a motorcycle, scooter, e-bike, or bicycle loan using principal, rate, and term.
Blended Rate Calculator
Calculate the weighted-average interest rate across multiple balances and estimate one-period interest from the combined balance.
Business Loan Calculator
Estimate business loan payments, net proceeds, total interest, finance charges, APR, and effective APR after origination and other fees.
California Income Tax Calculator
Estimate California state income tax from AGI, filing status, deductions, dependents, progressive brackets, exemption credits, and the mental health tax.
CAPM Calculator (Capital Asset Pricing Model)
Estimate required or expected return with CAPM using the risk-free rate, broad market return, beta, market risk premium, and asset risk premium.
Car Depreciation Calculator
Estimate car value, total depreciation, value lost percentage, and next-year value from first-year and later annual depreciation rates.
Car Payment Scenario Calculator
Calculate a scenario car price from an entered income share, down payment, trade-in value, APR, and loan term.
Cash Back Calculator
Estimate cash back rewards, capped rewards, net purchase cost, effective reward rate, and remaining room before a cash back limit.
Cash Flow to Debt Ratio Calculator
Calculate cash flow to debt ratio from operating cash flow, short-term debt, and long-term debt, with percent coverage and debt-to-cash-flow multiple.
Child Tax Credit Calculator
Estimate the federal child tax credit and credit for other dependents from filing status, AGI, qualifying children, other dependents, phaseout, and refundable-limit assumptions.
Cost of Capital Calculator
Estimate a simplified company hurdle rate by adding the entered cost of debt and cost of equity, then compare it with an expected project return.
Cost of Equity Calculator
Estimate shareholder required return with either the dividend growth model or CAPM, including dividend yield, beta-adjusted premium, and risk-free-rate inputs.
Coupon Rate Calculator
Convert a bond's coupon paid each period and payment frequency into annual coupon dollars and the stated coupon rate on face value.
Credit Card Calculator
Estimate credit card payoff time, total interest, total paid, final payment, and payment risk when monthly charges continue.
Credit Card Interest Calculator
Estimate billing-cycle credit card interest from average daily balance, APR, cycle days, and optional fees.
Credit Card Minimum Payment Calculator
Estimate a credit card minimum due from statement balance, percentage rule, dollar floor, and past-due amount.
Credit Spread Calculator
Compare a corporate bond yield with a Treasury or government benchmark, convert the difference to basis points, and estimate the annual dollar spread on face value.
Credit Utilization Calculator
Estimate credit card utilization, open credit, and payments needed to reach 30 percent or 10 percent utilization targets.
Days Payable Outstanding (DPO) Calculator
Calculate days payable outstanding from average payables, estimated purchases, and period days, then interpret supplier payment timing in the cash conversion cycle.
Debt Calculator
Compare minimum payments, debt snowball, debt avalanche, and consolidation for multiple debts with a strategy-by-strategy payoff view.
Debt Payoff Calculator
Estimate debt payoff time, total interest, total paid, and the final smaller payment for one balance with a fixed monthly payment.
Debt to Asset Ratio Calculator
Calculate the debt to asset ratio from short-term debt, long-term debt, and total assets, then interpret how much of the balance sheet is financed by borrowing.
Debt to Equity Ratio Calculator
Calculate a company's debt-to-equity ratio from total liabilities and shareholder equity, then interpret leverage as a business finance metric.
Debt-to-Capital Ratio Calculator
Calculate the debt-to-capital ratio from interest-bearing debt and shareholders' equity, then evaluate how much of the capital structure is funded by lenders.
Deferred Payment Loan Calculator
Estimate how payment deferment changes loan balance, accrued interest, post-deferment monthly payment, repayment length, and extra interest versus no deferment.
Discretionary Income Calculator
Estimate student-loan discretionary income from AGI, family size, state group, poverty allowance, and payment share.
EBITDA Calculator
Calculate EBITDA by adding depreciation and amortization back to operating profit or EBIT, and see how EBITDA differs from EBIT, net income, and cash flow.
EBITDA Multiple Calculator
Calculate enterprise value to EBITDA from market capitalization, debt, cash, minority interest, preferred shares, and EBITDA for valuation analysis.
Enterprise Value Calculator
Calculate enterprise value from market capitalization, debt, minority interest, preferred shares, and cash to estimate whole-company value.
Finance Charge Calculator
Estimate a billing-cycle finance charge from balance, APR, cycle days, and extra fees, including daily rate and new opening balance.
Forward Premium Calculator
Calculate a currency forward premium or discount from spot and forward exchange rates, including annualization on a 360-day money-market basis.
Future Value of Annuity Calculator
Project the ending value of equal payments by growing each ordinary-annuity or annuity-due cash flow to the end of the schedule with the selected compounding frequency.
Growing Annuity Calculator
Calculate the future value of a growing annuity with payment growth, return, frequency, timing, and an optional opening balance.
HELOC Payment Calculator
Estimate HELOC interest-only draw-period payments, repayment-period amortized payments, available credit, total interest, and total repayment.
Home Improvement Loan Calculator
Estimate renovation loan payments, interest, fees, APR including fees, and total cost for remodeling, repairs, upgrades, or home projects.
Interest Coverage Ratio Calculator
Calculate interest coverage ratio, or times interest earned, by dividing EBIT by interest expense to evaluate how comfortably operating earnings cover debt interest.
Interest Rate Calculator
Solve the simple annual interest rate from principal, time, and either a final amount or total interest amount.
Levered Free Cash Flow Calculator
Estimate levered free cash flow from EBITDA, working-capital change, capital expenditures, and mandatory debt repayments.