Practical tools · Free forever · No signup
Finance & Money Tools
901 free calculators, converters and checkers — built for SG, MY and the region, reviewed with current figures. No accounts, no paywalls.
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
Every ad-platform performance metric from four inputs — for Google, Meta, LinkedIn, TikTok.
Customer LTV the SaaS-canonical way — simple formula plus cohort-weighted DCF for investor-grade math.
The canonical SaaS health metric
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".
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
Historical success rate by rate + allocation
Age + risk → recommended split
Employee + employer CPF by age band, ceilings, and account allocation
Pay off your mortgage faster
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.
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
Unit conversion between gwei, ETH and USD, with an L1 vs L2 split. To price a specific transaction instead, use the Gas Fee Calculator.
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.
Points + interest carry + flip profit
Max loan and price ceiling under Singapore's servicing and LTV rules
Net housing cost + cash-on-cash return
Equity by year from paydown + appreciation
Home equity line of credit math
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
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.
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
Discount points breakeven
Lower payment after a lump sum — no refinance
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.
Every line on your payslip: what it is, who pays it, and how to check it
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.
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.
Entry/stop/target → R:R + position size
Risk-adjusted return
Even split + US tip presets. The fastest way to settle group dinner.
Quick rental screening metric
Compare your current mortgage to a refinance offer — break-even months, monthly savings, lifetime interest cut.
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) — 114 tax year, 2025 income
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
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 major & ASEAN currencies at live reference rates — 147 listed, with live-quote coverage flagged in the picker.
Calculate your mortgage repayments for HDB, BTO and private property — SGD, MYR and more.
See how your money grows over time — with compound interest, CPF, and investment planning.
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.