Finance calculators

Loans, valuations, business ratios and growth metrics: the maths behind money decisions.

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.

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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.

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.

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Year-over-year (YoY) growthGrowth between this period and the same period a year ago.Month-over-month (MoM) growthGrowth between this month and last month, with the annualised equivalent.Quarter-over-quarter (QoQ) growthGrowth between this quarter and the previous quarter, with the annualised equivalent.Week-over-week (WoW) growthGrowth between this week and last week, with the annualised equivalent.Day-over-day (DoD) growthGrowth between today and yesterday, with the annualised equivalent.Period-over-period (PoP) growthGrowth between any two comparable periods you define, with a custom annualising cadence.Compound monthly growth rate (CMGR)The smooth monthly rate that links a start and end value over several months.Annualised run rateExtrapolates a single period of revenue to a full-year figure.Rule of 40Checks whether growth rate plus profit margin clears the 40% SaaS health benchmark.User & customer growth rateNet growth rate for a user base once new signups and churned users are both counted.Revenue growth & target plannerGrowth achieved between two periods, and the revenue needed next period to hit a target rate.