Finance calculators that show their work.
Twenty free tools for corporate finance and personal finance. Each page prints the formula, a worked example with real numbers and the mistakes that cost points and adds a practice problem. Nothing you type leaves your browser.
Corporate finance calculators
Capital budgeting
Cost of capital and bonds
Time value of money
Valuation
- Valuation
DCF valuation calculator with terminal value and sensitivity
Five years of free cash flow plus a terminal value, discounted to an enterprise value and a price per share.
- Valuation
Enterprise value to equity value bridge
Move from enterprise value to equity value and a price per share, or back again, line by line.
- Valuation
EV/EBITDA valuation calculator
What a company is worth at a given EV/EBITDA multiple, and the multiple hidden inside a share price.
Operating metrics
- Operating metrics
Gross profit margin calculator with markup and net margin
Gross margin, markup and net margin from an income statement, plus the price for a target margin.
- Operating metrics
Cash conversion cycle calculator (DSO, DIO, DPO)
DSO, DIO and DPO combined into the number of days a company's cash is tied up.
Personal finance calculators
Saving and investing
- Personal finance
Compound interest calculator with monthly contributions
See how a starting amount and monthly deposits grow, and what waiting ten years costs.
- Personal finance
Savings goal calculator: how much per month, or how long
The monthly deposit that reaches a goal by a date, or the time a fixed deposit takes.
- Personal finance
Investment fee calculator: what an expense ratio costs over decades
What an expense ratio costs over decades, and the gap between two funds.
Borrowing and debt
- Personal finance
Loan payoff calculator for student loans and other fixed-rate debt
Payment, payoff time and total interest on a fixed-rate loan, including extra payments and how interest builds on student loans.
- Personal finance
Credit card payoff calculator
How long a card balance takes to clear and what it costs, against paying only the minimum.
- Personal finance
Credit card minimum payment calculator
How long a card takes to clear, and what it costs, if you only ever pay the minimum.
- Personal finance
Debt snowball vs avalanche calculator
Compare paying the smallest balance first with paying the highest rate first, on your own debts.
Estimate for learning, not financial advice. Want the same topics explained step by step? Read the finance guides.