Finance

Capture every dollar of free money

Income allocation framework

1968 bankruptcy prediction

Convert APR ↔ APY for any compounding frequency. The math savings accounts and lenders use.

ARM vs fixed-rate breakeven

Age + risk → recommended split

The 26-payment payoff hack

BS-Merton 1973 — call + put pricer

Find your break-even point in units and revenue — essential for pricing, planning and startup financial decisions.

Buy-Rehab-Rent-Refi-Repeat strategy

Plan monthly income and expenses

NOI / Value, commercial fundamental

Turn a one-time IT price into a monthly OPEX financing plan

CAPM — cost of equity from β

DIO + DSO − DPO; days cash tied up

Leveraged rental yield

Itemized closing estimate

One-and-done FIRE milestone

See how your money grows over time — with compound interest, CPF, and investment planning.

Income options strategy

Employee + employer CPF by age band, ceilings, and account allocation

How much the minimum-payment trap costs you — and what 2× / 3× payments save.

Overall + per-card ratio vs the 30% line

Convert between 170+ currencies with live exchange rates — SGD, MYR, IDR, THB and more.

DCF — discount FCF at WACC + Gordon TV

Compare snowball vs avalanche on your real debt portfolio — months saved, interest cost, payoff order.

Book + market D/E + leverage chips

Calculate sale prices, savings and discount percentages instantly — with GST-inclusive options for Singapore.

Gordon + 2-stage DDM — intrinsic value

How long until you can buy. FHA / Conventional / 20% scenarios computed.

Max drawdown + recovery chart

Days customers take to pay

3F + 5F ROE decomposition

True cost of borrowing with compounding. The loan-side companion to APR/APY.

Employee + employer statutory contributions with official band tables

Financial independence target + timeline

70% rule + flip P&L

FCFF + FCFE — DCF inputs

Quick rental screening metric

Calculate GST/VAT for SG, MY, ID, TH

Add or remove GST and sales tax instantly — Singapore 9%, Malaysia 8%, Thailand 7% and more.

Max loan and price ceiling under Singapore's servicing and LTV rules

Home equity line of credit math

Validate IBANs with mod-97 checksum, format-as-you-type, and country breakdown.

Reverse BS — solve σ from market price

Purchasing power across years

Calculate investment returns, ROI and annualised growth rate — for stocks, ETFs and savings.

Generate simple invoices as PDF

4-leg defined-risk theta strategy

IRR + MIRR via Newton-Raphson

Rent credits, net price + the premium you pay

Calculate monthly repayments for any loan — home, car, personal or business.

Compare up to three loan offers side-by-side — true cost, effective APR, total interest.

Calculate loan EMI and total interest

Reg T + maintenance + margin call

Time + interest saved from extra payments

How much house can I afford? (28/36 rule)

Year-by-year P&I schedule

Calculate your mortgage repayments for HDB, BTO and private property — SGD, MYR and more.

Pay off your mortgage faster

Discount points breakeven

Lower payment after a lump sum — no refinance

Compare your current mortgage to a refinance offer — break-even months, monthly savings, lifetime interest cut.

What if my rate rises? Stress-test your mortgage at +1pp / +2pp / +3pp and find your break-point.

Personal balance sheet — assets minus liabilities. Runs entirely in your browser.

Net Present Value + decision verdict

Δ Γ Θ ν ρ — risk-management sensitivities

Trailing + forward P/E + Fed Model

Monthly tax deduction estimate with EPF, SOCSO, spouse and child reliefs

Peter Lynch's growth-adjusted P/E

Full amortisation schedule with extra-payment accelerator — see months saved and interest cut.

PMI cost + HOPA auto-cancel timing

Buy/sell per asset to restore targets

Rent vs buy decision framework

Calculate gross profit, net profit and markup percentage — essential for pricing and business decisions.

Fisher equation real return

CoC + cap rate + total ROI

Calculate if you are on track for retirement — with CPF projections and ASEAN retirement planning.

Entry/stop/target → R:R + position size

Renovation cost vs resale uplift

The tax-arbitrage decision

The 500-year-old mental math shortcut every investor uses. How long does money take to double?

Convert salary between hourly, daily, monthly and annual — with Singapore CPF and income tax estimates.

Income vs expenses + years to FIRE

Risk-adjusted return

Calculate Singapore (YA 2026) and Malaysia (YA 2025) personal income tax with CPF/EPF — side-by-side, with all current brackets and reliefs.

Buyer's, Additional Buyer's and Seller's Stamp Duty in one tool

Malaysia SST at 6% · 8% · 5% · 10% — inclusive or exclusive

Forward + reverse split impact

Anchor → Good/Better/Best ladder + ARR

Gaji bersih after BPJS and PPh 21 (official TER tables)

Gross to net after EPF, SOCSO, EIS and estimated PCB

Gross to net after employee CPF and estimated income tax

Solve for PV, FV, PMT, N, or rate

Calculate tips and split bills instantly — for restaurants, delivery and group dining.

Vacant units ÷ total + lost income

WACC — blended hurdle rate for DCF

CA − CL + current + quick ratios