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.

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.

Itemized closing estimate

One-and-done FIRE milestone

Retention matrix + heatmap

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

Income options strategy

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.

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

Home equity line of credit math

Equity by year from paydown + appreciation

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.

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

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.

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

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.