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101 tools
Category
⊞ All (101)
¤ Everyday (16)
$ Save & Grow (9)
⌂ Home & Loans (15)
% Income & Tax (18)
↗ Invest (24)
◎ Plan Ahead (19)
⊞
All
101
¤
Everyday
16
$
Save & Grow
9
⌂
Home & Loans
15
%
Income & Tax
18
↗
Invest
24
◎
Plan Ahead
19
Region
All regions (101)
Europe (86)
United States (92)
United Kingdom (83)
No region (80)
All regions
101
Europe
86
United States
92
United Kingdom
83
No region
80
¤
Everyday
16 tools
◫
50/30/20 Budget
Split your income into needs, wants, savings
budget
50/30/20
needs
⏱︎
Salary Converter
Hourly ↔ monthly ↔ yearly pay
salary
hourly
wage
⚖︎
Unit Price Compare
Which supermarket product is actually cheaper?
unit price
per kg
per litre
↻
Subscription Auditor
What your subscriptions really cost
subscriptions
streaming
monthly
km
Fuel & Commute Cost
What driving really costs per trip and month
fuel
petrol
commute
kW
Appliance Energy Cost
What a device costs to run
electricity
kwh
appliance
÷
Tip & Bill Split
Split the bill, tip included
tip
split
bill
↓%
Discount Checker
Stacked discounts and what you really save
discount
sale
percent off
⌂
Home Affordability
The maximum home price your monthly budget supports
affordability
dsti
mortgage
⚒︎
Freelancer Day Rate
The day rate that hits your income target
freelance
day rate
contractor
%
Percentage Calculator
Percent of a number, what-percent, and percent change
percentage
percent
percent of
⏲
Overtime Pay
Weekly pay with overtime hours and multiplier
overtime
hourly
time and a half
EV
EV vs Petrol Running Cost
Yearly fuel cost either way, and the payback
ev
electric car
petrol
⌗
Rent & Bills Split
Split rent by room size and bills evenly
rent split
housemates
flatshare
⚡
Energy Tariff Comparison
Unit rate and standing charge, compared properly
energy tariff
standing charge
unit rate
⛭
Car Total Running Cost
Depreciation, insurance, tax and fuel in one figure
car cost
running cost
depreciation
$
Save & Grow
9 tools
◎
Compound Interest
See how your money grows with interest on interest
savings
interest
growth
⬡
Savings Goal
How long to reach your target
savings
goal
target
↗
DCA Calculator
Monthly investing over time
dca
investing
monthly
72
Rule of 72
When does your money double?
rule of 72
double
quick math
✚
Emergency Fund
How big should your buffer be?
emergency
fund
buffer
≡
Term-Deposit Ladder
Ladder deposits for rate + liquidity
term deposit
cd ladder
fixed deposit
I
Simple Interest Calculator
Interest on the principal only, no compounding
simple interest
principal
interest
CD
CD Calculator
US
Certificate of deposit maturity value from APY
cd
certificate of deposit
apy
⊞
Sinking Fund
One monthly figure for every lumpy cost you can see coming
sinking fund
saving
irregular expenses
⌂
Home & Loans
15 tools
⌂
Mortgage
Monthly payment and total cost
home
house
property
⇄
Loan Comparison
Compare two loans side by side
loan
compare
credit
⇌
Rent vs Buy
Which is cheaper long-term?
rent
buy
property
€
EU Mortgage (APRC)
EU
True cost with all fees
mortgage
aprc
fees
≋
EU Consumer Loan
EU
True APR per EU directive
consumer loan
apr
eu directive
▤
Amortization Schedule
Year-by-year principal, interest and balance
amortization
schedule
principal
⊜
Car Lease vs Buy
Which costs less over the term?
car
lease
buy
⅗
Debt-to-Income Ratio
Share of income going to debt (front & back-end)
dti
debt to income
mortgage
⊟
Car Loan Calculator
Monthly payment with tax, down payment and trade-in
car loan
auto loan
vehicle
◨
Student Loan Payoff
Payoff time, interest and extra-payment savings
student loan
payoff
college
⟲
Mortgage Refinance
New payment, monthly savings and break-even
refinance
mortgage
refi
⇟
Mortgage Overpayment
Years and interest saved by paying extra
overpayment
mortgage
extra payment
◱
Home Equity & LTV
What you own, and what you could borrow against it
equity
ltv
loan to value
⊡
Cost of Buying a Home
The cash you need on the day, not just the deposit
closing costs
deposit
stamp duty
⚒
Renovation ROI
How much of the work comes back when you sell
renovation
home improvement
roi
%
Income & Tax
18 tools
€
EU Net Salary
EU
Gross to net across EU
salary
net
gross
⇔
Net Pay Across Countries
Same salary, eleven countries, ranked by what you keep
compare
salary
net
%
VAT Calculator
EU
Add or extract EU VAT
vat
sales tax
price
⇄
Currency Converter
Live daily ECB reference rates
currency
forex
exchange rate
US
Tax Bracket (US)
US
Federal tax and take-home
tax
bracket
income
⊲
Capital Gains Tax
Tax on profits (US, EU, UK)
capital gains
cgt
stocks
⚖︎
Wealth Tax
EU
ES, FR, NO, CH wealth tax
wealth tax
spain
france
⟳
Inflation Adjuster
Future value of your money
inflation
cpi
purchasing power
ℜ
Real Return After Tax
What's left after tax and inflation
real return
tax
inflation
%
US Sales Tax Calculator
US
Add or extract US sales tax at any combined rate
sales tax
us
state tax
$
Paycheck Calculator
US
US take-home pay after federal, FICA and state tax
paycheck
take-home
salary
G
GST Calculator
Add or extract GST (AU, NZ, CA, IN, SG rates)
gst
australia
new zealand
SE
Self-Employment Tax
US
Both halves of FICA when you work for yourself
self-employment tax
freelance
1099
£
UK Take-Home Pay
UK
After income tax and National Insurance
uk salary
take home
paye
SD
UK Stamp Duty (SDLT)
UK
Banded stamp duty, with first-time buyer relief
stamp duty
sdlt
uk property
⊖
Tax-Loss Harvesting
What realising a loss saves against your gains
tax loss harvesting
capital gains
offset
Q
Quarterly Estimated Tax
US
What to send the IRS each quarter when nobody withholds
estimated tax
quarterly
1040-es
£9
UK Student Loan Repayment
UK
Repayment by plan, and whether you will ever clear it
student loan
uk
plan 2
↗
Invest
24 tools
P/E
P/E & PEG
Stock cheap or expensive vs earnings?
pe ratio
peg
valuation
P/B
Price-to-Book
Price vs book value
p/b ratio
book value
graham number
◈
Dividend Yield
Yield, income, reinvestment
dividend
drip
income
ƒ
Sharpe Ratio
Is your return worth the risk?
sharpe
risk-adjusted
volatility
≋
Bond YTM
Yield to maturity and current yield
bond
yield
fixed income
⇑
Leveraged Return
Return when using borrowed capital
leverage
margin
borrowed
Ω
Options P&L
Call/put payoff and break-even
options
call
put
⊕
Portfolio Rebalancer
What to buy/sell for your target mix
portfolio
rebalance
allocation
√
CAGR
Annualised growth between two values
cagr
annualized
growth rate
‰
Fund Fee Drag
What a high TER costs you over decades
ter
fees
etf
◮
Position Sizing
How many shares for your risk budget
position size
risk
stop loss
∫
DCF Intrinsic Value
Discounted-cash-flow fair value per share
dcf
intrinsic value
valuation
❖
Dividend Income Planner
Your dividend income in N years
dividend
income
drip
↑%
ROI Calculator
Return on investment, total and annualised
roi
return on investment
gain
PV
Present Value
What future money is worth in today’s terms
present value
npv
annuity
₿
Crypto Profit / Loss
Trade profit after fees, ROI and break-even price
crypto
bitcoin
profit
σ
Black-Scholes Price
Option price and the Greeks
black-scholes
option pricing
greeks
▥
Rental Property Returns
Cap rate, cash-on-cash and whether rent covers the loan
rental
buy to let
cap rate
IRR
NPV & IRR
Is a project worth it, and what does it return?
npv
irr
discounted cash flow
IV
Implied Volatility
The volatility a quoted option price implies
implied volatility
iv
options
⌀
Average Cost Basis
Average price after averaging down, and break-even
average down
cost basis
average price
↘
Drawdown & Recovery
A 50% fall needs a 100% gain to undo
drawdown
recovery
loss
S⁻
Sortino Ratio
Risk-adjusted return counting only the falls
sortino
downside deviation
risk-adjusted
⋈
Option Spread P&L
Two-leg payoff: spreads and covered calls
option spread
covered call
vertical spread
◎
Plan Ahead
19 tools
◉
FIRE Calculator
When can you retire early?
fire
retire early
financial independence
◷
Retirement Income
Safe monthly income from savings
retirement
pension
withdrawal
⟁
Savings Rate
Rate and FIRE timeline
savings rate
fire
budget
Σ
Net Worth
Assets minus liabilities
net worth
assets
liabilities
⊘
Debt Payoff
Extra payments save months and money
debt
snowball
avalanche
⊛
Break-even
Units to cover your costs
break-even
business
profit
◔
EU Pension
EU
State pension estimate
pension
eu
social security
◐
Coast FIRE
Can you stop contributing today?
coast fire
retire
compound
▦
Credit Card Payoff
Months and interest to clear a card balance
credit card
payoff
apr
401
401(k) Calculator
US
Projected balance at retirement with employer match
401k
retirement
employer match
IRA
Roth IRA Calculator
US
Tax-free retirement balance from yearly contributions
roth ira
retirement
tax-free
◑
Margin & Markup
Profit margin, markup and the price for a target margin
margin
markup
profit
☂
Life Insurance Needs
How much cover your family would actually need
life insurance
cover
protection
MC
Retirement Success Odds
Your odds across thousands of market sequences
monte carlo
retirement
probability
RMD
Required Minimum Distribution
US
What the IRS makes you withdraw after 73
rmd
required minimum distribution
ira
SSA
Social Security Estimate
US
Monthly benefit, and what claiming early costs
social security
benefit
retirement
HSA
HSA Contribution & Growth
US
The only triple-tax-free account, projected
hsa
health savings
triple tax
529
529 College Savings
US
Will it cover the fees when they start?
529
college
education
∞
Annuity Income
What a pension pot buys as guaranteed income for life
annuity
pension
guaranteed income
⊞
Take-home pay & tax by country
5
US
US Salary After Tax
US
US Sales Tax
UK
UK Salary After Tax
UK
UK Stamp Duty
EU
EU Salary After Tax