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

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

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

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.

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.

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

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

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

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

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.

Forward + reverse split impact

Anchor → Good/Better/Best ladder + ARR

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