Finance
Compound interest
Calculate compound growth from an initial amount, annual interest rate and time. See the formula and a worked example.
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Simple interest
Calculate interest on a fixed principal.
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Canadian mortgage · semiannual compounding
Canadian mortgage · semiannual compounding: use mortgage principal, nominal annual rate compounded semiannually, amortization period. Review the formula, worked example and calculation steps.
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Loan payment & amortization
Calculate a fixed monthly loan payment from principal, annual interest and payment count. View the amortization schedule and calculation steps.
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Mortgage payment
Estimate monthly mortgage costs from price, down payment, rate, term, property tax and insurance. Review the assumptions and worked example.
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Auto loan
Auto loan: use vehicle price, down payment, net trade-in credit. Review the formula, worked example and calculation steps.
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Debt payoff with extra payments
Debt payoff with extra payments: use loan principal, nominal annual interest rate, number of monthly payments. Review the formula, worked example and calculation steps.
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Credit card payoff · fixed payment
Credit card payoff · fixed payment: use current balance, nominal annual interest rate, fixed monthly payment. Review the formula, worked example and calculation steps.
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Loan interest rate
Loan interest rate: use amount borrowed, monthly payment, number of monthly payments. Review the formula, worked example and calculation steps.
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APR estimate · monthly cash flows
APR estimate · monthly cash flows: use loan principal, nominal annual interest rate, number of monthly payments. Review the formula, worked example and calculation steps.
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Refinance break-even
Refinance break-even: use remaining principal, current nominal annual rate, new nominal annual rate. Review the formula, worked example and calculation steps.
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Savings & investment growth
Savings & investment growth: use initial balance, end-of-month deposit, nominal annual return. Review the formula, worked example and calculation steps.
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Savings goal · monthly deposit
Savings goal · monthly deposit: use initial balance, target balance, nominal annual return. Review the formula, worked example and calculation steps.
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Retirement savings projection
Retirement savings projection: use current savings, monthly contribution, nominal annual return. Review the formula, worked example and calculation steps.
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Annuity payout · fixed term
Annuity payout · fixed term: use starting fund, nominal annual return, withdrawal period. Review the formula, worked example and calculation steps.
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Present value
Present value: use future lump sum, annual discount rate, time until payment. Review the formula, worked example and calculation steps.
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Inflation · future purchasing cost
Inflation · future purchasing cost: use cost today, assumed annual inflation, years ahead. Review the formula, worked example and calculation steps.
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Currency converter · supplied rate
Currency converter · supplied rate: use amount in source currency, destination units per source unit. Review the formula, worked example and calculation steps.
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Salary · hourly to annual
Convert hourly pay to annual pay using paid hours per week and paid weeks per year. See the formula and assumptions.
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Sales tax & VAT
Sales tax & VAT: use net price before tax, tax rate, calculation. Review the formula, worked example and calculation steps.
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Profit margin & markup
Profit margin & markup: use unit cost, selling price. Review the formula, worked example and calculation steps.
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Sales commission
Sales commission: use sales amount, commission rate. Review the formula, worked example and calculation steps.
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Debt-to-income ratio
Debt-to-income ratio: use monthly debt payments, gross monthly income. Review the formula, worked example and calculation steps.
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Monthly budget
Monthly budget: use monthly take-home income, housing and utilities, food and household. Review the formula, worked example and calculation steps.
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Return on investment
Return on investment: use initial investment, final value including distributions. Review the formula, worked example and calculation steps.
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Annualized investment return
Annualized investment return: use initial value, final value, holding period. Review the formula, worked example and calculation steps.
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Average periodic return
Average periodic return: use periodic returns in percent. Review the formula, worked example and calculation steps.
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Net present value
Net present value: use cash flows from time 0 onward, discount rate per period. Review the formula, worked example and calculation steps.
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Internal rate of return · conventional flows
Internal rate of return · conventional flows: use initial cost followed by periodic inflows. Review the formula, worked example and calculation steps.
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Payback period · constant cash flow
Payback period · constant cash flow: use initial investment, net inflow per period. Review the formula, worked example and calculation steps.
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Bond price · fixed coupon
Bond price · fixed coupon: use face value, annual coupon rate, nominal annual yield. Review the formula, worked example and calculation steps.
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Straight-line depreciation
Straight-line depreciation: use asset cost, residual value, useful life. Review the formula, worked example and calculation steps.
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Auto lease · payment estimate
Auto lease · payment estimate: use adjusted capitalized cost, residual value, lease term. Review the formula, worked example and calculation steps.
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Rental property · net yield
Rental property · net yield: use property cost including acquisition fees, monthly rent, vacancy allowance. Review the formula, worked example and calculation steps.
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Down payment
Down payment: use purchase price, down-payment percentage. Review the formula, worked example and calculation steps.
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Housing affordability · supplied budget
Housing affordability · supplied budget: use gross monthly income, maximum housing share, monthly property tax, insurance and dues. Review the formula, worked example and calculation steps.
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Debt consolidation · payment comparison
Debt consolidation · payment comparison: use current debt balances, corresponding nominal annual rates in percent, new consolidation nominal annual rate. Review the formula, worked example and calculation steps.
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College cost projection
College cost projection: use current annual study cost, annual cost inflation, years until study begins. Review the formula, worked example and calculation steps.
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GST & VAT calculator
GST & VAT calculator: use amount, supplied tax rate, tax treatment. Review the formula, worked example and calculation steps.
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Compound interest · compounding periods
Compound interest · compounding periods: use principal, nominal annual interest, years. Review the formula, worked example and calculation steps.
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Effective annual interest rate
Effective annual interest rate: use nominal annual interest, compounding periods per year. Review the formula, worked example and calculation steps.
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Salary to hourly
Salary to hourly: use salary amount, salary period, working hours per week. Review the formula, worked example and calculation steps.
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Markup
Markup: use unit cost, selling price. Review the formula, worked example and calculation steps.
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Price from markup
Price from markup: use unit cost, markup. Review the formula, worked example and calculation steps.
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Break-even point
Break-even point: use fixed costs, selling price per unit, variable cost per unit. Review the formula, worked example and calculation steps.
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Compound annual growth rate
Compound annual growth rate: use starting value, ending value, years. Review the formula, worked example and calculation steps.
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Rule of 72
Rule of 72: use annual growth rate. Review the formula, worked example and calculation steps.
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Gross profit
Gross profit: use revenue, cost of goods sold. Review the formula, worked example and calculation steps.
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