Finance & Money Tools

Defer-or-pay analysis with full boot-exposure surfacing and step-up-at-death framing.

Employer-match optimizer + IRS-limit-aware 401(k) growth projection.

Capture every dollar of free money

Income allocation framework

529 vs taxable + state deduction + projected college cost coverage %.

Two-proportion z-test sample size with days-to-run estimate.

p-value + 95% CI + ship/no-ship verdict for finished A/B tests.

STR cash flow vs LTR side-by-side — with STR-specific operating cost reality.

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

Second-order rate sensitivity

Macaulay & modified duration

YTM, YTC, current yield, and modified duration for any fixed-income bond.

Fixed costs ÷ contribution margin — and margin-of-safety risk frame.

David Greene's capital-recycling strategy — tests whether your deal is truly "infinite return".

Buy-Rehab-Rent-Refi-Repeat strategy

Net burn, runway months, cash-out date, plus cost-cut scenario — Default Alive vs Dead in one tile.

Sole Prop vs LLC vs S-Corp vs C-Corp side-by-side with QBI + SE tax math.

Amortization + DSCR check — the math lenders use on every business loan application.

CAC, payback months, and LTV:CAC ratio — the three numbers every SaaS investor asks for.

NOI / Value, commercial fundamental

Multi-founder + multi-SAFE + priced round. The YC standard cap-table math.

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

ST vs LT cap gains + NIIT + state tax stacking.

CAPM — cost of equity from β

DIO + DSO − DPO; days cash tied up

Leveraged rental yield

CTC + ACTC + ODC with income phase-out math.

Estimate mainland China IIT (个人所得税) on salary

Estimate 五险一金 employee + employer monthly contributions

Itemized closing estimate

One-and-done FIRE milestone

Retention matrix + heatmap

Multi-step funnel with worst-step flagged — CRO leverage finder.

Income options strategy

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

Every ad-platform performance metric from four inputs — for Google, Meta, LinkedIn, TikTok.

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

Compare cashback, points & miles across cards

Overall + per-card ratio vs the 30% line

DCA vs lump-sum side-by-side, with crypto-specific volatility assumptions.

Coin growth + USD value scenarios + validator fee + US tax on rewards.

US crypto cap gains with NIIT + state tax stacking. ST vs LT bracket math.

Customer LTV the SaaS-canonical way — simple formula plus cohort-weighted DCF for investor-grade math.

Project portfolio value from monthly contributions. The boring strategy that wins most years.

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

APR→APY at any compounding frequency + gas-cost impact on net yield.

Income gap analysis

Identifies the tax-treatment gap most LTD calculators miss.

Gordon + 2-stage DDM — intrinsic value

DRIP vs cash dividends side-by-side. The highest-leverage dividend habit.

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

Founder ownership through seed, A, B, C — dilution math the venture canon uses.

15% discount + lookback gain

Gwei × ETH price → USD per common tx type, with L1 vs L2 split.

2026 brackets with bracket-by-bracket breakdown + marginal vs effective rate.

Financial independence target + timeline

70% rule + flip P&L

Pip value + risk-based lot size for every major forex pair.

FCFF + FCFE — DCF inputs

Target hourly rate with SE tax, benefits gap, and real billable hours baked in.

Trip fuel cost in MPG or L/100km, plus gas vs EV side-by-side.

Quick rental screening metric

Points + interest carry + flip profit

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

Home equity line of credit math

Equity by year from paydown + appreciation

Estimate mandatory MPF contributions — 5% each, capped

Ad valorem stamp duty (AVD Scale 2) on a property purchase

Estimate HK salaries tax with allowances, MPF, progressive vs standard rate

Net housing cost + cash-on-cash return

Deduct + grow + withdraw, all tax-free

HSA triple-tax-advantage vs FSA use-it-or-lose-it — with the receipt-strategy unlock.

Reverse BS — solve σ from market price

Purchasing power across years

Traditional vs Roth side-by-side — with side-savings credit most calculators miss.

4-leg defined-risk theta strategy

IRR + MIRR via Newton-Raphson

Rent credits, net price + the premium you pay

Month-by-month payment + interest breakdown

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

Self-fund vs traditional vs hybrid LTC — Genworth cost survey baked in.

The canonical SaaS health metric

Reg T + maintenance + margin call

Markup ↔ Margin conversion + cost-plus / margin-target pricing math.

Part B + IRMAA + Part D + Medigap — the full Medicare cost stack with surprise-tax surfacing.

This should have been an email

Time + interest saved from extra payments

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

Year-by-year P&I schedule

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.

%Promoters − %Detractors. Plus industry benchmarks + 95% CI.

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

Rough injury-claim ranges — not legal advice

The 1.25-1.45× multiplier most hiring managers underestimate.

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

Three-point estimation with 68/95/99% confidence intervals.

Fisher equation real return

NYT-style total cost comparison with opportunity-cost-of-down-payment built in.

Full BiggerPockets-style analyzer — NOI, cap rate, CoC, with 1%-rule + 50%-rule checks.

CoC + cap rate + total ROI

Per-item split with proportional tax + tip. The "I only had a salad" calculator.

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

IRS Uniform Lifetime Table + SECURE 2.0 ages — current-year + 10-year projection.

Full road-trip budget: fuel + lodging + food + tolls. Per-traveller share included.

Channel ROAS + blended MER + break-even ROAS + POAS in one view.

Renovation cost vs resale uplift

The tax-arbitrage decision

Supplemental withholding + sell-to-cover

Growth + margin ≥ 40 = healthy

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

Sales efficiency for SaaS

The canonical SaaS scoreboard — MRR, ARR, NRR, GRR, and growth rate from your four monthly movements.

SaaS growth efficiency multiplier

The 4% rule, refined. Plus the FIRE-number side-bar most beginners want.

Pure-math salary ↔ hourly converter with work-hour and vacation toggles.

Income vs expenses + years to FIRE

8-test SBA pre-qualification screen for 7(a), 504, Express.

Risk-adjusted return

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

SDE × industry multiple with qualitative adjustments. Low / mid / high range.

62 vs 67 vs 70 — cumulative lifetime benefit + pairwise break-even ages.

Velocity-based release forecast with best/likely/worst ranges.

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

After-tax value of US equity grants with ISO / NSO / RSU + AMT modelling.

Risk-per-trade math the single most important skill in active trading.

Forward + reverse split impact

The young-professional dilemma: pay it down or invest it.

Anchor → Good/Better/Best ladder + ARR

Estimate Taiwan individual income tax (綜所稅), 2024

Estimate 勞保 / 健保 / 勞退 employee monthly deductions

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

Muni vs taxable bond yield

DIME + income multiplier methods

DIME + 10× Income + Human Life Value — median verdict beats any single rule of thumb.

Daily clock-in/out → weekly hours + FLSA-style overtime split.

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

Even split + US tip presets. The fastest way to settle group dinner.

Historical success rate by rate + allocation

Vacant units ÷ total + lost income

RSU / option vesting tracker

WACC — blended hurdle rate for DCF

30-year cost + BTID math

CA − CL + current + quick ratios

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

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

Calculate loan EMI and total interest

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

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

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

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

Plan monthly income and expenses

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

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

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

Generate simple invoices as PDF

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

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

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

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

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

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