Personal Finance

  • Real (Inflation-Adjusted) Return Calculator
    Calculate your real, inflation-adjusted rate of return using the Fisher equation. See how much your investment truly grows in purchasing power.
  • Weekly & Monthly Budget Calculator (from an Annual Amount)
    Convert an annual amount into monthly, bi-weekly and weekly budget figures instantly. Free annual-to-monthly budget calculator with full breakdown.
  • Break-Even Quantity Calculator
    Find the break-even quantity for your business. Enter fixed costs, price, and variable cost per unit to see how many units you must sell to cover all costs.
  • Gross Monthly Income from Hourly Wage Calculator
    Convert an hourly wage into annual, monthly, weekly and daily gross income using your hours per day, days per week and weeks per year.
  • Future Purchasing Power Calculator
    Calculate the future purchasing power of money after inflation. See how much your cash will really be worth in today's dollars over time.
  • Cost Per Unit Calculator
    Calculate the cost per unit (unit price) by dividing total price by quantity. Free unit price calculator to compare deals and find the best value.
  • Time to Reach $1 Million Savings Calculator
    Calculate how many months and years it takes to reach a savings goal with fixed monthly contributions and compound interest. Free savings goal time calculator.
  • APR to APY Calculator
    Convert APR to APY (effective annual yield) by entering the nominal rate and compounding frequency. Free, instant APR to APY conversion calculator.
  • Take-Home Paycheck Calculator
    Estimate your net take-home pay per paycheck. Enter salary, pay frequency, and tax rates to see your net pay, deductions, and annual take-home.
  • Loan-to-Value (LTV) Ratio Calculator
    Calculate your loan-to-value (LTV) ratio instantly. Enter loan amount and property value to see your LTV percentage and home equity.
  • Tip Calculator
    Free tip calculator: enter your bill and tip percentage to get the tip amount, total, and the cost per person when splitting the check.
  • 50/30/20 Budget Calculator
    Use the 50/30/20 budget calculator to split your monthly after-tax income into 50% needs, 30% wants, and 20% savings instantly.
  • Savings Rate Calculator
    Calculate your savings rate — the percentage of income you keep. Enter income and spending to see your savings rate plus monthly and annual savings.
  • 401(k) Contribution Calculator (US)
    Estimate your US 401(k) contributions per paycheck and per year, plus employer match. Enter salary, contribution %, match rate and cap. 2024 limits noted.
  • Coast FIRE Calculator
    Find your Coast FIRE number — the amount to invest once so compound growth alone funds retirement. Free calculator with full FIRE target and progress.
  • Gas Mileage / Fuel Economy Calculator
    Calculate gas mileage and fuel economy in MPG (US), MPG (Imperial), km/L and L/100km from distance and fuel used, plus trip fuel cost.
  • Money Math Calculator
    Add, subtract, multiply, divide, divide-by-money, or find a percentage of money. Currency-symbol aware (cosmetic only), rounded to 2 decimal places.
  • Restaurant Tip and Split Bill Calculator
    Free tip and split bill calculator: figure the gratuity, add it to your check, optionally tip pre-tax or round up, and split the total per person.
  • Retirement Savings Duration Calculator
    Estimate how long your retirement savings will last. Enter your balance, interest rate, monthly income and expenses to see years and months until depletion.
  • Money Counter Denomination Calculator
    Count cash fast: add up bills, loose coins and rolled coins by denomination to get your total amount of money. Defaults to USD denominations.
  • Present Value of Uneven Cash Flows Calculator
    Compute the present value (PV) of even or uneven future cash flow streams. Supports compounding per period and beginning/end-of-period timing.
  • Property Tax Calculator (with Annual Assessment Increase Forecasting)
    Estimate US property tax from assessed value and rate, and forecast multi-year tax when assessment grows yearly (e.g. California Prop 13 2% cap).
  • NPV Calculator for Uneven Cash Flows
    Calculate the Net Present Value (NPV) of even or uneven cash flows. Discount each period at a chosen rate, with intra-period compounding and begin/end timing.
  • Present Value Calculator
    Calculate present value (PV) of a future lump sum, an annuity, a growing annuity, or a perpetuity. Choose compounding frequency and ordinary vs annuity-due timing.

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