StatGardenREF. DESK
Open the drawer, pick a tool

Every number you need, and the working underneath it.

Finance

Loans, savings, investing and everyday money maths. Every rate, term and price is an input you control, so nothing here is tied to a particular year’s figures.

All →
Loan payment & amortisationRepayment on a fixed-rate amortised loan, with a year-by-year schedule.Mortgage repaymentFull monthly housing cost: principal, interest, rates, insurance and strata.Compound interestGrowth of a lump sum plus regular contributions.Simple interestInterest charged on the original principal only.Savings goalWhat you must put away each month to hit a target.Present & future valueWhat a future sum is worth today, and vice versa.Annuity / drawdown payoutHow much a pot pays out each month until it runs dry.Retirement projectionBalance at retirement and how long it lasts.Car loanRepayment after deposit, trade-in and on-road costs.Credit card payoffHow long a balance takes to clear at a fixed payment.APR to effective rate (APY)Converts a nominal rate into the true annual yield.Inflation & purchasing powerWhat money is worth after years of price rises.Return on investmentTotal and annualised return on an investment.CAGR (compound annual growth rate)The smooth yearly rate that links a start and end value.NPV & IRRDiscounted value of a project, and the rate that makes it break even.Rule of 72Quick mental estimate of doubling time.Salary & hourly rate converterMoves between hourly, weekly, monthly and annual pay.Tip & bill splitTip amount and what each person owes.Discount & sale pricePrice after one or two discounts, and what you save.Sales tax / GST / VATAdds tax to a net price, or strips it out of a gross one.Margin & markupTurns cost and price into margin, markup and profit.Break-even pointUnits and revenue needed before a business turns a profit.Debt-to-income ratioThe ratio lenders use to size your borrowing.How much can I borrowMaximum loan a given repayment supports.Bond price & yieldPresent value of a bond’s coupons and face value.Average share cost & positionBlended entry price across several buys.Currency conversion with feesWhat you actually receive after spread and fixed fees.Depreciation (straight-line & declining)Annual depreciation expense and remaining book value under two common methods.Payback periodHow many years of cash flows it takes to recover an initial investment, plain and discounted.Liquidity ratios (current, quick & cash)Three views of whether current assets can cover current liabilities.Leverage & solvency ratiosHow much of a company is financed by debt, and how easily it covers interest.Working capital & turnoverThe cash cushion between current assets and current liabilities, and how hard it is working.Cash conversion cycleDays between paying for inventory and collecting cash from its sale.WACC (weighted average cost of capital)The blended return a company must earn to satisfy both lenders and shareholders.CAPM (cost of equity)The return shareholders should require, given the market risk a stock carries.Dividend discount model (Gordon growth)Values a stock as its dividends, discounted and growing forever.Dividend yield & payout ratioWhat a stock pays relative to its price, and how much of earnings that consumes.EBITDA & marginOperating profitability before interest, tax, depreciation and amortisation.Enterprise valueThe theoretical takeover price of a company: equity plus debt, minus cash on hand.Stock valuation multiples (P/E, P/B, PEG)Common price ratios used to judge whether a stock is cheap or expensive.DuPont analysis (ROE breakdown)Splits return on equity into profitability, efficiency and leverage.Sharpe ratioReturn earned above the risk-free rate, per unit of volatility taken on.Perpetuity valuePresent value of a cash flow that continues forever, flat or growing.Balloon loan paymentRegular instalment on a loan amortised over a long schedule, plus the lump sum due early.Sustainable growth rateThe fastest a company can grow using only retained profit, no new borrowing or share issues.Graham numberBenjamin Graham’s quick estimate of a fair share price from earnings and book value.

Health

Body composition, energy needs, training load and cycle tracking, using the standard published clinical and sports-science formulas.

All →
Body mass index (BMI)Weight relative to height, with the WHO category.BMR: basal metabolic rateEnergy burned at complete rest (Mifflin-St Jeor).TDEE: daily calorie needsBMR scaled by how active you are.Weight change timelineHow long a given calorie gap takes to shift a target.Body fat percentage (US Navy)Tape-measure estimate of body composition.Ideal body weightFour classic clinical formulas side by side.Macronutrient splitGrams of protein, carbs and fat for a calorie target.Daily water intakeBaseline fluid target adjusted for exercise and heat.Calories burned (MET)Energy cost of an activity from its metabolic equivalent.Heart rate training zonesKarvonen zones from resting and maximum heart rate.VO₂ max (Cooper test)Aerobic fitness from a 12-minute run.One-rep maxStrength ceiling estimated from a submaximal set.Running pace & finish timeConverts between pace, speed and race time.Pregnancy due dateEstimated delivery date from the last period (Naegele’s rule).Body surface areaUsed for drug dosing and cardiac index.Waist-to-hip & waist-to-heightFat distribution measures that track health risk.Ovulation & fertile windowLikely fertile days across a cycle.Sleep cycle timingWake times that fall between 90-minute sleep cycles.Anion gapUnmeasured ions in the blood, a first step in narrowing the cause of a metabolic acidosis.Corrected calcium for albuminAdjusts a total calcium reading for a low albumin level, using the Payne formula.Blood alcohol content (Widmark formula)Rough estimate of blood alcohol content from drinks consumed, body weight and time elapsed.Estimated average glucose from A1CConverts an HbA1c percentage into an average blood glucose reading, using the ADAG study formula.Corrected QT interval (QTc)Heart-rate-adjusted QT interval from an ECG reading, using the Bazett and Fridericia formulas.Creatinine clearance (Cockcroft-Gault)Estimated kidney filtration rate from age, weight and serum creatinine.Lean body mass (Boer formula)Fat-free body mass estimated from height and weight.Mean arterial pressure (MAP)Average pressure driving blood flow through the body over one heartbeat cycle.Total body water (Watson formula)Estimated volume of water in the body from age, height and weight.Fat-free mass index (FFMI)Muscularity measure that adjusts fat-free mass for height, comparable across body sizes.Smoking pack-yearsCumulative smoking exposure used in clinical risk screening.LDL cholesterol (Friedewald equation)Estimated LDL cholesterol from a standard lipid panel.Total cholesterol to HDL ratioA single number summarizing cardiovascular risk from a lipid panel.Daily protein intakeProtein target range based on body weight and activity level.Daily fiber intake targetRecommended dietary fiber based on total calorie intake.A Body Shape Index (ABSI)Waist circumference adjusted for height and BMI, an alternative to the waist-to-height ratio.Relative fat mass (RFM)Body fat percentage estimated from height and waist circumference (Woolcott-Bernstein formula).Shock indexHeart rate divided by systolic blood pressure, a quick marker of circulatory stress.Rate pressure productHeart rate times systolic blood pressure, an index of how hard the heart is working.HOMA-IR (insulin resistance)Estimated insulin resistance from fasting glucose and fasting insulin levels.

Maths

Percentages, fractions, algebra, number theory and trigonometry: the working shown alongside every answer.

All →
PercentageThe three everyday percentage questions in one place.Percentage change & differenceIncrease, decrease and the symmetric difference.Fraction arithmeticAdd, subtract, multiply or divide two fractions and simplify.Decimal ↔ fractionClosest fraction to a decimal, at a chosen precision.GCD & LCMGreatest common divisor and lowest common multiple.Quadratic equationRoots, vertex and discriminant of ax² + bx + c.Ratio & proportionSolves a : b = c : d for the missing term.Exponents & rootsPowers, nth roots and scientific notation of the result.LogarithmLog in any base, plus the natural and common logs.Scientific notationConverts between plain numbers and a × 10ⁿ.Prime check & factorisationTests primality and lists the prime factors.Permutations & combinationsOrdered and unordered selections from a set.Number base converterBinary, octal, decimal, hex and any base to 36.Roman numeral converterArabic to Roman and back, 1 to 3999.Rounding & significant figuresRound to decimals, significant figures or a nearest step.Trigonometry: solve a triangleSine and cosine rules from two sides and the included angle.Trigonometric functionssin, cos, tan and their inverses for one angle.Modulo & integer divisionQuotient, remainder and the true mathematical modulo.Random number generatorDraws numbers from a range: press recalculate for a new set.Matrix determinant (2×2 or 3×3)Determinant of a 2×2 or 3×3 matrix from its entries.2×2 matrix inverseInverse of a 2×2 matrix using the adjugate formula.2×2 matrix operationsAdd, subtract or multiply two 2×2 matrices, and scale one by a constant.Vector dot productScalar dot product of two 3D vectors, and the angle between them.Vector cross productThe perpendicular vector from two 3D vectors, and the area of the parallelogram they span.Vector magnitude & unit vectorLength of a 3D vector and the unit vector pointing the same way.Arithmetic sequenceThe nth term and the sum of the first n terms of an arithmetic sequence.Geometric sequenceThe nth term and the sum of a geometric sequence, plus the infinite sum where it converges.Complex number arithmeticAdd, subtract, multiply or divide two complex numbers, plus modulus and argument.Synthetic divisionDivides a polynomial by (x − r) and returns the quotient and remainder.Equation of a lineSlope-intercept, point-slope and standard form of the line through two points.Distance & midpoint between two points (3D)Straight-line distance and midpoint between two points in 3D space (set z = 0 for 2D).Law of sines (solve a triangle)Finds the remaining sides and angles from two angles and one side.Arithmetic in standard formAdd, subtract, multiply or divide two numbers written as a × 10ⁿ.Binomial expansionExpands (x + y)ⁿ term by term using the binomial theorem.Distance from a point to a linePerpendicular distance from a point to a line given in general form.Geometric & harmonic meanTwo other kinds of average: the geometric mean and the harmonic mean of a list of positive numbers.Golden ratioSplits a length into golden-ratio proportions, or scales a rectangle side by φ.

Statistics

Averages, spread, distributions, confidence and correlation for data sets you paste straight in.

All →
Descriptive statisticsMean, median, mode, spread and quartiles for a data set.Weighted averageAverage where each value carries its own weight.Z-score & percentileHow far a value sits from the mean, in standard deviations.Normal distribution probabilityArea under the bell curve between two points.Confidence interval for a meanMargin of error around a sample average.Required sample sizeHow many responses a survey needs.Correlation & linear regressionPearson r and the line of best fit for paired data.Binomial probabilityChance of exactly k successes in n independent trials.Probability of eventsCombines two event probabilities: and, or, neither.Odds ↔ probabilityConverts between fractional odds, decimal odds and percent.GPA / weighted gradeGrade point average across units with credit weights.Grade needed on the finalWhat the last assessment must score to hit a target.Coefficient of variationRelative variability of a data set: standard deviation as a percentage of the mean.SkewnessSample skewness: whether the data leans left or right of the mean (Excel-consistent adjusted formula).Poisson probabilityChance of a given number of independent events in a fixed interval, given the average rate.Geometric probabilityChance the first success happens on a given trial, for repeated independent trials.Hypergeometric probabilityChance of drawing an exact number of successes from a finite population, without replacement.Chi-square goodness of fitTests whether observed category counts match expected counts.Cohen's d (effect size)Standardised difference between two group means, in pooled standard deviations.Margin of error (proportion)Margin of error for a survey proportion at a chosen confidence level.Relative riskCompares event risk between an exposed and an unexposed (or treated and control) group.T-statistic (one or two sample)How many standard errors a sample mean, or the gap between two means, is from the reference value.Z-test for a proportionTests a sample proportion against a hypothesised population proportion.Expected value of a discrete distributionMean and standard deviation of a discrete random variable from its outcomes and probabilities.Outlier fences (Tukey)The IQR-based cutoffs beyond which a data point counts as an outlier.

Geometry

Area, perimeter, volume and surface area for flat shapes and solids, plus coordinate geometry.

All →

Conversion

Unit converters that show the full ladder of equivalents at once, not just the one pair you asked for.

All →

Date & time

Ages, durations, working days, deadlines and timesheets, calculated on real calendar arithmetic.

All →

Physics

Mechanics, electricity, energy and waves: first-principles formulas with every constant stated.

All →
Ohm’s lawVoltage, current, resistance and power from any two.Resistors in series & parallelCombined resistance of up to four resistors.Voltage dividerOutput voltage across the lower resistor of a pair.Electricity running costWhat an appliance costs to run over time.Force, mass & accelerationNewton’s second law, with weight under gravity.Kinetic & potential energyEnergy of a moving or raised mass.Speed, distance & timeJourney arithmetic in metric and imperial.Acceleration & stopping distanceUniform acceleration, braking distance and reaction gap.Projectile motionRange, peak height and flight time of a launched object.Density, mass & volumeAny one of the three from the other two.Pressure from force or depthPressure under a load, and water pressure at depth.Wave speed, frequency & wavelengthRelates the three properties of any wave.Work, power & efficiencyEnergy transferred, the rate of transfer and what is lost.Momentum & impulseMomentum of a mass and the force needed to change it.Ideal gas lawPressure, volume, temperature and moles of a gas.Torque & rotational powerTurning force, and the power it delivers at a given speed.Centripetal force & circular motionForce, acceleration and period of an object moving in a circle at constant speed.Hooke's law & spring energyRestoring force and stored energy of a stretched or compressed spring.Pendulum periodSwing period of a simple pendulum for small angles.Elastic & inelastic collisionFinal velocities of two colliding masses, in a straight line.Capacitor charge & energyStored charge and energy of a capacitor at a given voltage.Inductor stored energyMagnetic energy stored in an inductor carrying current.RC circuit charge & dischargeHow a capacitor charges or discharges through a resistor over time.Carnot efficiencyMaximum possible efficiency of a heat engine between two temperatures.Linear thermal expansionHow much a material lengthens or shortens with a temperature change.Heat energy & specific heatHeat needed to change the temperature of a mass of material.Snell's law of refractionAngle of refraction as light passes between two media.Thin lens equationImage distance and magnification for a lens of known focal length.Doppler effect (sound)Observed frequency of a sound source moving relative to a listener.Sound intensity level (decibels)Decibel level of a sound from its intensity, referenced to the hearing threshold.Escape velocityMinimum speed to escape a body’s gravity from a given distance, ignoring drag.Circular orbital velocitySpeed and period needed to hold a circular orbit around a mass.Kepler's third lawOrbital period of a body from its orbit size and the mass it orbits.Buoyancy (Archimedes’ principle)Upward force on an object from the fluid it displaces, and whether it floats.Terminal velocityMaximum falling speed once drag balances gravity.Angular momentum (point mass)Rotational momentum of a point mass moving on a circular path.

Home & build

Quantities and sizing for renovation, landscaping and trade work: paint, tiles, concrete, roofing and more.

All →
Paint requiredLitres of paint for walls, allowing for doors and windows.Flooring & tilesBoxes of tiles or boards needed, including wastage.Concrete volumeCubic metres for a slab, footing or set of posts.Mulch, soil & gravelBulk material for a garden bed at a given depth.Roof pitch & rafter lengthAngle, slope factor and true roof area.Fencing & decking materialsPosts, rails and boards for a run of fence or deck.Air conditioner sizingCooling capacity for a room, adjusted for sun and occupancy.Tank & pool volumeCapacity of a rectangular or round tank in litres.Drywall sheets neededPlasterboard sheets for a room, allowing for openings and waste.Bricks or blocks neededMasonry units for a wall, from unit size and mortar joint thickness.Stair rise & runStep count, riser height and comfort check for a straight staircase.Pavers & bedding sandNumber of pavers and bedding sand volume for a patio or path.Roof shingle bundlesBundles of shingles needed, accounting for slope and waste.Board feet of lumberBoard feet and cost for a batch of dimensional lumber.Baluster / spindle spacingEven spindle count and gap for a stair or deck railing.Wallpaper rolls neededRolls required for a room, accounting for pattern repeat.Wall stud countStuds needed for a wall on a chosen centre spacing, plus openings.Ladder angle & base distanceSafe base distance and length for a leaning ladder, using the 4-to-1 rule.Insulation thickness & coverageThickness needed to hit a target R-value, and rolls required for an area.

Everyday

Practical comparisons for shopping, travel, cooking and time: the small calculations that add up.

All →
Trip fuel costFuel and time for a journey, split between passengers.Unit price comparisonWhich pack is actually cheaper per unit.Recipe scalerRescales quantities and adjusts baking time.Aspect ratio & screen sizeResize while keeping proportions, or find screen dimensions.Pizza & round-item valueArea per dollar: the honest way to compare sizes.Reading & speaking timeHow long a word count takes to read aloud or silently.Password strengthEntropy in bits and how long a brute force would take.Coffee brew ratioGrounds and water for a chosen strength.Hours of work to buy somethingPrices a purchase in hours of your life.Battery charge timeHow long a device takes to charge from its current level to a target level.Typing speed (WPM)Gross and net words per minute, and accuracy, from a timed typing sample.Luggage linear inchesChecks a bag against an airline’s combined length + width + height limit.Cost of a meetingWhat a meeting actually costs in attendee salary time.True cost per mile to driveAll-in running cost of a vehicle, spread across the miles driven.Weight of a pile of cashHow much a dollar amount weighs in bills or coins.2-stroke fuel mix ratioOil to add to a volume of petrol for a chosen mix ratio.Generator sizingGenerator capacity needed to cover a set of appliances, including starting surge.LED bulb savingsElectricity and replacement-bulb savings from switching to LED lighting.Event tables & seatingTables needed for a guest count, for round or rectangular tables.Pomodoro session plannerHow many focused work intervals a task will take, breaks included.Money saved by quitting smokingWhat not buying cigarettes adds up to over time.Roll length remainingHow much material is left on a roll, from its diameter and material thickness.Cost of a showerWater and water-heating energy cost for one shower.EV home charging cost & timeCost and time to charge an electric vehicle from one charge level to another.Binge-watch time plannerTotal time to finish a TV series, and how many days that takes.Moon phase finderThe approximate Moon phase on any date, from the lunar synodic cycle.Weighted blanket sizeRecommended blanket weight from body weight, using the common 10% rule.Mobile data usageDaily and monthly data use from your mix of everyday activities, and how long a data cap will last.

Growth

Growth rates for revenue, users and any other metric that moves period to period: YoY, MoM, QoQ and beyond, each with its own dedicated page.

All →

Chemistry

Concentrations, pH, dilutions and reaction yields: the maths behind the lab bench.

All →

Biology

Population genetics, enzyme kinetics, growth curves and lab concentration formulas.

All →

Ecology

Population and diversity formulas for the field: carrying capacity, species diversity and predator-prey dynamics.

All →

Sports

Performance and scoring maths for training and competition, from gear ratios to rating systems.

All →

Food

Kitchen and brewing ratios: baker’s percentages, dilutions, yields and the maths behind a recipe that scales.

All →

Pets

Sizing, feeding and age-conversion maths for the animals in your household, from crate size to daily calories.

All →