Precision financial tools.
No advice, just math.

100 Minus Age Asset Allocation Calculator

Calculate stock-vs-bond allocation using the 100-minus-age rule of thumb: see the percentage split the rule produces for any age you put in.

Active vs Passive Investing Calculator

Compare an active fund against an index tracker over any horizon, and see the gross return active needs just to break even after charges.

Annualized Return Calculator — Any Holding Period

Convert any holding-period return into an annualized rate. Enter start value, end value, income, and months held — including periods under a year.

Annuity Present Value Calculator

Calculate the present value of an ordinary annuity from regular payments, periodic rate, and the number of periods until the stream ends.

APR to APY Calculator

Convert a stated annual rate to its effective annual yield at any compounding frequency, with the gap in percentage points and the continuous ceiling.

Asset Allocation Calculator

Model a stock, bond and cash split from age and risk tolerance using the 110-minus-age rule, and see the amounts each allocation implies.

Asset Allocation Drift Calculator

Calculate drift between current and target asset allocation to decide if rebalancing is needed. Enter equity to see drift percentage and rebalance flag.

Asset Allocation Return Calculator

Calculate weighted average return of a portfolio across equity, bond, and cash allocations. Enter equity return to see weighted portfolio return.

15 vs 30 Year Mortgage Calculator

Compare a 15-year versus 30-year mortgage on the same loan: monthly payment for each term, total interest, and the interest difference between them.

Balloon Mortgage Calculator

Estimates the lump sum due at the end of a balloon mortgage, plus the monthly payment and total paid before the balloon, from the amount, rate, and terms.

Blended Rate Mortgage Calculator

Calculate the blended (weighted-average) interest rate across two mortgage loans of different balances and rates. Free and educational.

Bridging Loan Calculator

Calculate the total cost of a short-term bridging loan including monthly interest and arrangement fees over a chosen exit timeline.

Buy to Let Affordability Calculator

Calculate buy-to-let interest cover ratio from property price, rent, loan-to-value and a stress-tested rate, against the cover a lender requires.

Construction Loan Calculator

Calculate interest-only payments and total interest paid during a construction loan build phase, accounting for staged drawdowns.

Down Payment Calculator

Down payment, closing costs at a fixed 2.5%, total cash needed, and months to reach it from current savings and a monthly amount.

Early Mortgage Payoff Calculator

See how many years a monthly overpayment cuts from a mortgage and the interest it removes, plus the accelerated payoff term and total extra paid.

50/30/20 Budget Rule Calculator

Calculate your 50/30/20 budget rule split from monthly take-home income and compare needs, wants, and savings against your actual spending.

Annual Car Running Cost Calculator

Calculate the full annual cost of car ownership: fuel, insurance, road tax, servicing, tyres, and depreciation. See true per-mile cost.

Annual Expense Calculator

Add up your total yearly expenses from monthly recurring costs plus one-off annual bills. See where your money goes across each spending category.

Bread Maker Break-Even Calculator

Calculate when a bread maker pays for itself. Enter machine cost, ingredient cost, shop loaf price, and weekly usage to see break-even in weeks.

Budget Calculator

See the monthly surplus or deficit left by take-home income and five expense groups, with savings rate, housing share and the annual total.

Budget vs Actual Variance Calculator

Calculate budget variance from budgeted versus actual spending with monthly figure and annualised projection of the gap.

Coffee Machine vs Cafe Break-Even Calculator

Calculate how quickly a home coffee machine pays back versus café purchases — per-cup savings and multi-year cumulative totals.

Grocery Budget Calculator

Turn a per-person grocery rate into weekly, monthly and annual totals for your household, with adults and children costed separately.

Accounts Payable Turnover Calculator

Calculate accounts payable turnover and days payable outstanding from supplier purchases and average payables, with the ratio each payment term implies.

Accounts Receivable Turnover Calculator

Calculate accounts receivable turnover and days sales outstanding from credit sales and average AR — how fast your invoices actually convert.

Adjusted EBITDA Calculator

Calculate adjusted EBITDA with add-backs for owner compensation, one-off costs, and non-recurring items — the version a buyer or lender will actually use.

Airbnb Host Profit Calculator

Calculate Airbnb host profit by entering your nightly rate, occupancy, fees, cleaning costs, mortgage, and expenses to see monthly and annual net profit.

Asset Turnover Calculator

Calculate asset turnover ratio from revenue and total assets — a measure of how efficiently a business generates sales from its asset base.

Break-Even Calculator

Calculate break-even point. Enter fixed costs, selling price, and variable cost to see units needed to cover costs. Free and educational.

Business Emergency Fund Calculator

Calculate your business emergency fund target and months to reach it based on operating expenses, coverage months, and monthly contributions.

Capital Expenditure Calculator

Calculate capital expenditure from PP&E change and depreciation, plus capex intensity as a percentage of revenue for sector comparison.

Hotel ADR Calculator

Calculate hotel ADR, RevPAR, and occupancy from revenue and rooms data. Enter room revenue, rooms sold, rooms available, and period to size hotel performance.

Catering Business Calculator

Calculate catering business profit by entering events, guests, price per guest, food cost, labour, and fixed overheads to see monthly net profit.

Food Cost Percentage Calculator

Work out food cost percentage and gross margin for a dish from ingredient cost, menu price and waste, and the price that meets your own target.

Food Truck Profit Calculator

Calculate food truck monthly profit from days worked, items per day, price, food cost, labour, and fixed costs. Free — no signup.

Menu Pricing Calculator

Calculate menu price from ingredient cost and target food cost percentage. Enter labour allocation per dish to size table economics.

Restaurant Profit Calculator

Calculate restaurant monthly profit from revenue, food cost %, labour cost %, and fixed overheads. Check prime cost ratio.

Affiliate Commission Calculator

Calculate affiliate commission earnings from clicks, conversion rate, order value, and commission percentage. Free educational tool.

Affiliate Marketing Income Calculator

Calculate affiliate marketing income from clicks, conversion rate, and commission per sale or per-order commission rate.

Amazon Associates Income Calculator

Calculate Amazon Associates affiliate income from traffic, click-through rate, conversion rate, and average commission per sale.

App Revenue Calculator

Calculate app net revenue from daily active users, revenue per user and the store commission. Shows gross, store fees and annual net.

Beauty Business Revenue Calculator

Calculate beauty business annual revenue from clients per day, service price, working days, and uplift from retail product sales.

Blog Advertising Revenue Calculator

Calculate blog advertising revenue from pageviews and CPM rate, across different ad networks and ads-per-page densities.

Content Creator Revenue Calculator

Calculate monthly content creator revenue from ad RPM, sponsorships, and affiliate commissions. Enter views to see total monthly revenue.

Gumroad Earnings Calculator

Calculate Gumroad net earnings from sales volume, product price, and the platform plus payment processing fees taken off the top.

After Repair Value (ARV) Calculator

Calculate real estate flip profit from after-repair value and repair costs, with the 70% rule check and the maximum offer for a target profit.

Buy-to-Let Calculator

Calculate buy-to-let ROI by combining rental yield and property appreciation over your chosen hold period. Enter price, rent, and expenses to get started.

Buy-to-Let Mortgage Stress Test Calculator

Stress test a rental property mortgage against lender DSCR requirements: see whether the expected rent covers interest at a stressed rate.

Cap Rate Calculator

Calculate real estate cap rate from net operating income and purchase price, plus the implied value at typical market cap rates.

Cash-on-Cash Return Calculator

Calculate cash-on-cash return on a property deal: annual pre-tax cash flow divided by the cash actually invested, with payback years and a rating.

Data Centre Investment Calculator

Calculate data centre investment cap rate and net operating income from power capacity, rental rate per kW, occupancy, and operating costs.

Property Appreciation Calculator

Project future property value from a compound annual appreciation rate. Enter a current value, growth rate, and time horizon to see the projected value.

Real Estate Syndication LP Return Estimator

Estimate the LP annualised return on a real estate syndication from preferred return, GP promote, and exit multiple. Simple-pref accrual.

After-Tax Yield Calculator

Calculate after-tax yield on bonds or savings by entering your pre-tax yield and marginal income tax rate to see the return you actually keep.

Airbnb Income Calculator

Calculate Airbnb income with monthly and annual net estimates from nightly rate, occupancy percentage, cleaning fees, and operating costs.

Airbnb vs Long-Term Rental Calculator

Compare net income from Airbnb short-term rental vs long-term rental strategies with this annual income calculator for the same property.

Amazon Flex Pay Calculator

Work out how much you can earn with Amazon Flex after vehicle costs and a self-employment tax reserve. See annual net income and effective hourly rate.

Annual Leave Value Calculator

Calculate the monetary value of your annual leave days as a share of salary — useful when negotiating PTO into a comp package.

Annual to Monthly Salary Calculator

Convert annual salary to monthly, weekly, daily, and hourly equivalents using standard full-time working-time assumptions for any income.

Career Earnings Peak Calculator

Project your peak career earnings with this career earnings peak calculator using current salary, annual growth rate, and years to peak.

Charitable Donation Tax Relief Calculator

Estimate the tax relief on a charitable donation from your marginal rate, and see the net cost to you and the total the charity receives.

Agency Margin Calculator

Compute agency gross and net margin from revenue, contractor costs, and overhead. Returns net margin, gross profit, net profit, and gross margin in one view.

Agency vs Freelance Income Calculator

Compare net income from running an agency versus working as a freelancer. Returns net income, effective hourly rate, and the gap between the two models.

AI Implementation ROI Calculator

Model AI implementation ROI from setup cost, annual licence, hours saved per week and fully-loaded hourly cost over a chosen horizon.

Annual Freelance Revenue Calculator

Project annual freelance revenue from monthly billable hours, hourly rate, and effective working months per year. Returns annual revenue and monthly revenue.

Billable Hours Calculator

Calculate annual billable hours and revenue from weekly hours, utilisation rate and weeks worked. See billable versus non-billable time and income.

Client Acquisition Cost Calculator

Compute customer acquisition cost (CAC) and the LTV-to-CAC ratio from marketing spend, sales spend, new clients, and average client value.

Coworking vs Office Calculator

Compare total cost of a coworking membership versus a dedicated office over a chosen planning horizon, including utilities and setup.

Freelance Annual Income Calculator

Calculate your annual net freelance income from hourly rate, billable hours, working weeks, and overhead costs to see gross and net figures.

AI Tool ROI Calculator

Calculate AI tool ROI by comparing subscription costs against time savings valued at your hourly rate, given hours saved per week.

Automation ROI Calculator

Calculate the ROI of an automation tool. Compare hours saved, hourly value, setup cost, and subscription fees to find break-even and annual savings.

Commute Time Wealth Loss

Estimate lifetime wealth loss from commuting time converted to monetary value based on hourly income potential and career earnings.

Commute vs Pay Rise Calculator

Compare new job salary increase against the time and cost of a longer commute. Enter one-way commute min to see net benefit or cost and salary increase.

Conference Attendance ROI Calculator

Calculate conference attendance ROI including time cost and expected income uplift. Enter registration cost to see net benefit and total investment.

LinkedIn Premium Value Calculator

Calculate LinkedIn Premium ROI from expected job offers and salary uplift over benefit period. Enter subscription to see net benefit and annual subscription.

Overtime Pay vs Free Time Logic

Calculate whether working overtime is financially worthwhile after tax, fatigue costs, and the value you place on your free time.

Air Fryer vs Oven Calculator

Work out how long an air fryer takes to pay back its price in energy savings, from per-meal kWh for each appliance and your own electricity rate.

Biweekly Auto Payment Calculator

Compare a biweekly auto loan schedule against monthly payments and see the interest saved, the payment amount and how much the term shortens.

Boat Ownership Cost Calculator

Work out the annualised and lifetime cost of owning a boat from purchase price, mooring, maintenance, insurance and depreciation.

Boiler Replacement Savings Calculator

Calculate annual savings and payback period from replacing an old inefficient boiler, given current annual gas bill and efficiency gain.

Car Depreciation Calculator

Project what a car will be worth after a chosen number of years, and see how much of the purchase price the depreciation curve removes.

Car Loan vs Cash Calculator

Compare car loan versus cash purchase including the investment opportunity cost on the cash you'd otherwise tie up in the vehicle.

Car Running Cost Calculator

Add up the annual cost of running a car, separating the cash you actually pay from the depreciation that only becomes real on sale.

Dishwasher Payback Calculator

Work out how long a dishwasher takes to pay back, and how much of that answer rests on what an hour of your time is worth.

Airport Parking vs Taxi Calculator

Compare airport parking versus taxi cost based on trip duration and convenience — which way wins at your typical trip length.

Bicycle Commute Savings Calculator

Work out how quickly a bicycle pays back against your current commute cost, and what five years of the switch is worth after maintenance.

Car Depreciation per Mile Calculator

Calculate car depreciation per mile to understand true driving cost. Enter purchase price, resale value, and miles driven to see the per-mile loss.

Event Cost Calculator

Calculate all-in event cost: tickets, travel, accommodation, food, extras. Enter ticket cost to see all-in cost plus per-person if splitting.

Fuel Tank Fill Cost Calculator

Calculate fuel tank fill cost with monthly, annual, and five-year projections — the real cost of refuelling at your current pattern.

Music Lesson ROI Calculator

Compare what music lessons cost against the annual value you place on playing, over any number of years, and see the net figure and the value per lesson.

Pet Insurance Lifetime Value Calculator

Calculate pet insurance lifetime value vs total premiums paid, factoring in claim probability and your pet's expected lifespan.

Taxi vs Car Ownership Break-Even

Calculate break-even point between taxi/ride-sharing and car ownership. Enter car cost all-in to see break-even between car ownership and taxi/ride-sharing.

Amazon FBA Profit Calculator

Calculate Amazon FBA net profit per unit after referral fee, fulfilment fee, storage cost, and product cost from your selling price.

App Store Fee Calculator

Work out app store commission on annual revenue, comparing the standard rate against the reduced small-business and subscription rates.

Average Order Value Calculator

Calculate average order value (AOV) by dividing total revenue by number of orders — a widely used ecommerce performance metric.

Dropshipping Profit Calculator

Calculate dropshipping profit per sale by entering supplier cost, platform fees, ad spend, and shipping to see margin and net profit.

eBay Fee Calculator

Work out eBay selling fees on any sale: final value fee, payment processing and the fixed per-order charge, plus net revenue and take rate.

eBay Profit Calculator

Work out eBay net profit per sale after final value fees, payment processing and the shipping gap — what actually lands in your account.

Import Business Profit Calculator

Calculate import profit from units imported, supplier price, shipping, customs duty, and your selling price into the local market.

Marketplace Commission Calculator

Calculate marketplace total fees from commission, payment processing, listing, and advertising percentages applied to the sale price.

Amortisation Schedule Calculator

See how a standard amortising loan splits between principal and interest in year 1. Enter loan amount, annual rate, and term to see monthly payment too.

Annual Cost of Credit Calculator

Calculate total annual interest cost across all your debt balances and rates. Enter credit card balance and credit card APR to size total interest cost.

APR vs Flat Rate Comparison Calculator

Convert a flat-rate loan quote into an estimated APR-equivalent figure. See the estimate alongside the quoted flat rate, monthly payment, and total cost.

Auto Loan Comparison Calculator

Compare two auto loan offers on monthly payment and total interest, then see which one costs less across its full term at your loan size.

Auto Loan Lifetime Cost Calculator

Calculate total lifetime auto-loan cost across several cars and loan terms. Enter typical loan amount to see total principal + interest across the vehicles.

Auto Loan Payoff Calculator

Calculate auto loan payoff timeline with optional extra payments. See interest saved and total paid to map your payoff timeline.

Auto Loan Refinance Calculator

Compare an auto loan against a refinance quote over the same remaining term: both monthly payments, the difference, and the total saving or cost.

Balance Transfer Savings Calculator

Compare staying on a card vs a balance transfer with a real declining-balance simulation. See net interest saved, payoff months, and fee break-even.

Angel Investment Return Calculator

Work out what an angel investment returns at exit, after dilution, and see the multiple and annualised return the proceeds imply.

Business Exit Value Calculator

Blend a revenue multiple and a profit multiple into one exit valuation, and see which of the two is doing the work at your margin.

Business Idea Profitability Calculator

Work out the monthly sales volume a business idea needs to cover its fixed costs, from unit revenue, unit cost and monthly overhead.

Business Line of Credit Calculator

Add up what a business credit facility costs: interest on the drawn balance plus the commitment fee on the headroom, and the effective rate that implies.

Business Loan Calculator

Calculate business loan monthly repayment and the cumulative interest paid across the loan's full term at any rate and amortisation length.

Business Protection Calculator

Size key person cover from the profit lost while the role is empty, the cost of replacing it and any business borrowing that would fall due.

Business Valuation Calculator

Value a business on an earnings multiple and on net assets, and see the gap between them. Enter earnings, the sector multiple, assets and liabilities.

Convertible Note Calculator

Work out what a convertible note converts into at the next priced round, from the principal, the valuation cap, the discount and the round valuation.

Annual Recurring Revenue Growth Calculator

Calculate your annual recurring revenue growth rate year-over-year and track absolute ARR added — the core SaaS metric investors review first.

ARR Calculator

Calculate current ARR from monthly recurring revenue and project it forward at a monthly growth rate over a horizon you choose.

Payback Period Calculator

Calculate payback period in years and months by dividing your initial investment cost by steady annual cash inflows. No time value of money.

SaaS Revenue Calculator

Project subscription revenue from a current MRR and a monthly growth rate. See cumulative revenue, final-month MRR and the annual run rate.

Annuity Payout Calculator — Income From a Lump Sum

Calculate the monthly income a lump sum pays over a fixed period. Enter a balance, rate, and term to see the payment, total paid, and interest.

Apprenticeship vs University Calculator

Compare total earnings from a degree route against an apprenticeship route over a chosen period, netting off study costs and the years spent not earning.

Buy vs Lease Car Calculator

Compare buying a car outright with leasing it over a matched period, netting resale value off the purchase so both paths are measured by what the period costs.

Career Break Finances Calculator

See what a career break costs, split into living expenses, forgone salary and missed employer retirement contributions, and what leaves savings.

Career Change Financial Impact Calculator

Compare two careers over a chosen number of years: the salary difference, the income forgone during the gap, and what the move costs to make.

Children's Education Fund Calculator

Work out the monthly saving needed to reach a children's education target, from the cost per year, the years of study and the time left.

Coast FIRE Calculator

Calculate the Coast FIRE number: the minimum savings needed to compound into full FIRE without further contributions, given age and return assumption.

Expense Inflation Forecast Tool

Project a monthly budget forward with housing compounding faster than the rest, and see what the total costs after a chosen number of years.

App Development Cost Calculator

Estimate app development cost from hours and rates for development, design, QA and project management, scaled for platform scope with a 15% buffer.

CDN Cost Calculator

Work out a monthly CDN bill from gigabytes transferred, request volume and cached storage at the per-unit rates a provider quotes.

Cloud Cost Calculator

Add compute, storage, bandwidth and other cloud charges, apply a reserved or committed-use discount, and see net monthly and annual cloud spend.

Cloud Migration ROI Calculator

Cloud migration ROI from running costs, one-off migration spend and productivity gains, with payback period and net value alongside.

Font Licensing Calculator

Work out font licensing cost from the number of typefaces, the per-font price, how many seats need access and whether web use is included.

Kubernetes Cost Calculator

Work out monthly Kubernetes cluster cost from worker node count, per-node price, the control plane fee and the add-on services a cluster needs to run.

Project Management Cost Calculator

Work out the true monthly cost of a project management platform by adding administration time to the per-seat licence fee.

Software Licensing Cost Calculator

Work out annual software licensing spend by adding support and upgrade uplifts to the per-licence fee across every seat held.

Batch Cooking Savings Calculator

Calculate your batch cooking savings vs individual meals. Enter meal costs and weekly frequency to estimate your total annual food budget savings.

Cloud Storage Cost Calculator

Calculate total cloud storage cost per month and year across storage, egress, and API usage. Enter storage gb to see total monthly and annual cost.

Coffee Habit Annual Calculator

Calculate annual coffee spending and the long-term investment opportunity cost of buying a daily coffee instead of brewing it.

Currency Exchange Fee Calculator

Calculate true cost of currency exchange including the hidden FX spread that providers add over the mid-market rate, plus transfer fees.

Discount Calculator

Calculate final price after a percentage discount and see the indicative amount saved and implied multiplier for any sale or markdown.

Electricity Bill Estimator

Estimate your electricity bill from kWh usage and unit rate, with monthly totals, annual projection, and daily cost breakdown.

Markup Calculator

Calculate selling price from cost plus markup percentage, with the corresponding gross margin shown alongside for context.

Meal Planning Savings Calculator

See yearly savings from weekly meal planning — reduced grocery waste and fewer takeaway nights add up to a meaningful annual figure.

Battery Storage ROI Calculator

Work out home battery payback from installed cost, any rebate and expected annual savings, and test it against the years the system is expected to last.

Biomass Boiler ROI Calculator

Compare biomass boiler installation cost against annual fuel and servicing savings to find the payback year and the net position over a chosen horizon.

Bulk Refill vs Individual Packaging

Compare long-term costs and environmental waste between bulk refill products and individual packaged versions with savings calculations.

Carbon Offset Calculator

Annual and lifetime cost of offsetting your CO2 emissions, based on volume, market price per tonne, and any reduction efforts you're already making.

Electric Bike ROI Calculator

Work out e-bike payback from purchase price, the daily transport cost it displaces, working days per year and annual running costs.

Electric Bike vs Car Calculator

Calculate e-bike payback from replacing car commuting and associated vehicle costs, with the annual car-cost offset broken out.

Energy Rating Improvement Cost Calculator

Calculate payback period and net benefit from energy efficiency improvements including bill reduction and property value uplift.

Ethical Shopping Premium Calculator

Calculate the annual premium spent on ethical shopping alternatives versus conventional pricing — see what 'shop your values' costs in your currency.

Break-Even Age Calculator

Calculate break-even age when you hit a financial target. Enter net worth to see age you'll reach a target net worth given current net worth and annual savings.

Cost of Procrastinating Investing Calculator

Calculate the opportunity cost of delaying investing for years through compound growth lost on the contributions you didn't make.

Financial Age Calculator

Calculate financial age based on net worth relative to age-adjusted benchmark targets — how 'old' your finances look versus your actual age.

Financial Independence Age Calculator

Calculate projected age of financial independence from current savings and annual contribution rate at an assumed return.

Financial Life Simulator

Simulate your financial life across the decades, from income and spending to investing and retirement, to see how today's choices shape long-term wealth.

Financial Regret Cost Calculator

Calculate compound cost of past financial decisions at current value. Enter original amount and years ago to see opportunity cost and original amount.

Hidden Payslip Calculator

Calculate take-home pay after income tax, payroll tax, health insurance, and retirement deductions to reveal your hidden payslip percentage.

Impulse Buy Lifetime Cost Calculator

Calculate multi-decade cost of impulse buying including the investment opportunity cost of redirecting that spend into long-term assets.

Bucket Retirement Strategy Calculator

Split a retirement pot across three time-horizon buckets. Enter the total and a percentage for cash, bonds and equities to see the amount in each.

Bucket Strategy Calculator

Split a portfolio into cash, bond and growth buckets, and see how many years of spending each covers before growth assets have to be sold.

Cash vs Invest Calculator

Compare what a sum grows to at a cash rate against an assumed investment return over the same period, and see the gap the rate difference produces.

CD Calculator — Certificate of Deposit Growth

Project what a certificate of deposit is worth at maturity. Enter the deposit, nominal rate and term to see the balance, interest and effective yield.

CD Early Withdrawal Penalty Calculator

Work out the cost of leaving a fixed-term deposit early. Enter principal, rate and penalty months to see the penalty, interest earned and net amount.

College Savings Calculator

Calculate required monthly savings for future college costs using inflation-adjusted tuition and investment growth projections.

Portfolio Drawdown Calculator

See how long a portfolio lasts at a fixed annual withdrawal and a fixed expected return, and how far the answer moves with the rate.

Education Savings Calculator

Work out the monthly saving needed to hit an education target. Enter the amount, the years, what you have saved and an expected return.

Cafe Weekly Compound Cost Calculator

Calculate the compounded future value of a weekly café spend if it had been invested instead — the long-tail cost of a small habit.

Charity Compound Impact Calculator

Calculate total lifetime charitable giving at a consistent monthly amount. Enter uplift and years to see total nominal lifetime giving.

COBRA Insurance Calculator

Calculate total COBRA continuation health insurance cost after employment ends, given the previous employer's full monthly premium.

Credit Card Rewards Value Calculator

Calculate net annual value of credit card rewards after the annual fee. Enter spend and reward rate to see net rewards value.

Emergency Fund Calculator

Calculate emergency fund target and timeline to reach it from expenses and contributions. Enter months of coverage to see target amount and current gap.

Financial Stability Score

Score financial stability from 0 to 100 using income, expenses, savings and debt, with emergency fund cover carrying the most weight.

Income Shock Survival Simulator

Estimate how many months your savings would cover the gap if income fell. Enter savings, essential expenses and any income still arriving.

Index Fund vs Active Fund Calculator

Compare index fund vs active fund final wealth over a multi-decade horizon, accounting for the compounding effect of fee drag.

Net Worth by Age Calculator

Compare your net worth against an age-based benchmark built from income and current age, and see the gap in both currency and years of income.

Net Worth Calculator

Calculate your net worth. Sum savings, investments, and property minus mortgage and debts to see your financial position.

Cost of Living Crisis Calculator

Calculate cost-of-living crisis impact on monthly spend — extra annual cost plus the cumulative inflation burden across years.

Inflation Calculator

See what an amount is worth in today’s purchasing power after years of inflation, with the loss shown in both currency and percentage terms.

Lifestyle Inflation Detector

Quantify lifestyle inflation by tracking spending growth relative to income increases. Identify where additional earnings are allocated and spent.

Purchasing Power Calculator — Money's Value Over Time

See what a sum of money is worth in any past or future year as inflation changes its value. Compare buying power year by year on one timeline.

Real Wage Growth Calculator

Calculate real wage growth after inflation — see whether a nominal raise actually increases purchasing power against the cost-of-living rise.

Crypto Cost Basis Calculator

Calculate crypto cost basis per coin from purchase amount and transaction fees. Enter coins purchased and amount paid to find your per-coin cost basis.

Crypto Investment Calculator

Crypto investment calculator. Enter amount, expected annual return, and years to see projected value and total return on your crypto position.

Crypto Portfolio Calculator

Crypto portfolio calculator. Enter quantities and prices across multiple coins to see total value, allocation percentages, and concentration risk.

Crypto Profit Calculator

Calculate crypto profit or loss after fees. Net gain, ROI percentage, and total fee drag. Enter units owned and buy price to see net gain after fees.

Mining Rig ROI Calculator

Calculate crypto mining rig payback period and net profit. Enter rig cost, hashrate and revenue per TH to see the days until the rig pays for itself.

Stablecoin Yield Calculator

Stablecoin yield calculator. Project yield on USDC, USDT, or DAI holdings at user-supplied APY — fiat-denominated math without crypto price volatility.

Funnel Conversion Calculator

Chain three funnel conversion rates into an end-to-end rate and expected revenue, with the surviving count shown at every stage.

Penetration Pricing Calculator

Set a penetration launch discount and see the entry price, target units, revenue for one period, and the subsidy of holding that price across the phase.

PR Value Calculator

Price earned media coverage at advertising-equivalent rates: impressions times CPM, plus a premium per tier-1 mention, with the split shown.

Price Sensitivity Calculator

Work out price elasticity of demand from two observed points: enter old and new prices and volumes for the coefficient and a banded reading.

Long-Term Care Cost Calculator

Project total long-term care costs with compounding care inflation. Enter monthly cost, years of care and an inflation rate to size the funding gap.

Product Liability Calculator

Estimate product liability exposure from units sold, defect rate, claim value and recall probability, and see the cover level the model implies.

Professional Indemnity Calculator

Size professional indemnity cover from annual fee income, largest contract and claims history, with an illustrative premium at 0.5% of the limit.

Public Liability Insurance Calculator

Estimate an annual public liability insurance premium from your turnover, the cover limit you need, and a low, medium or high risk factor.

Trade Credit Insurance Calculator

Calculate trade credit insurance annual premium from credit sales, premium rate, deductible, and max claim. Free educational tool.

School Fees Lifetime Cost Calculator

Calculate total private school fees across years with annual fee inflation. Enter years of schooling to see total nominal fees over the period.

Wedding Insurance Calculator

Work out the expected value of a wedding insurance policy from the budget, premium, coverage share and an assumed cancellation probability.