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 suggested percentage split for any age you put in.

Active vs Passive Investing Calculator

Compare active versus passive investing over the long run. See how a percentage point of extra fees compounds into a wealth gap over decades.

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 APR to APY for any compounding frequency to see the true effective annual yield — what you actually earn (or pay) on a given quoted rate.

Art Investment Calculator

Calculate art investment net returns including insurance and carrying costs, given purchase price, current value, and length of holding period.

Asset Allocation Calculator

Calculate suggested portfolio asset allocation by age and risk tolerance (stocks/bonds/cash). Enter risk tolerance 1-10 to see suggested stock and bond.

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.

1000-Day Savings Challenge Calculator

Total saved across a 1000-day challenge that adds an increasing amount each day — see what the compounding daily steps actually produce.

Annual Savings Growth Calculator

Calculate annual savings growth rate and absolute change between your current balance and your balance from one year ago.

Bucket Retirement Strategy Calculator

Allocate retirement savings across three buckets — immediate cash, medium-term income, and long-term growth. Enter retirement pot to see each bucket's amount.

Bucket Strategy Calculator

Split a portfolio into near-term cash, medium-term bonds, and long-term growth buckets based on target allocations across each band.

Cash vs Invest Calculator

Compare long-term value of holding cash vs investing the same amount at expected market returns. Enter cash rate and investment return to see opportunity cost.

Catch-Up Savings Calculator

The monthly contribution needed to reach a savings goal given what you already have, years remaining, and an expected return rate.

CD Calculator — Certificate of Deposit Growth

CD calculator for certificates of deposit. Enter principal, APY, and term to see maturity value, interest earned, and effective yield.

CD Early Withdrawal Penalty Calculator

Calculate CD early withdrawal penalty cost and net amount received. Enter CD principal and CD APY to see penalty amount and interest earned.

15 vs 30 Year Mortgage Calculator

Compare 15-year versus 30-year mortgage showing interest savings and monthly payment difference. Enter loan amount and 15-year rate to size affordability.

Adjustable Rate Mortgage Calculator

Calculate ARM payments for both the fixed and reset periods — see how your adjustable rate mortgage cost changes when the rate adjusts.

ARM vs Fixed Rate Mortgage Calculator

Compare ARM initial payment vs fixed-rate mortgage. See 5-year initial savings and the rate gap. Enter loan amount and arm initial rate to size affordability.

Balloon Mortgage Calculator

Calculate balloon mortgage payment due. See monthly payment, total paid before balloon, and final lump sum. Enter loan amount to size affordability.

Biweekly Mortgage Payoff Calculator

Calculate years saved by switching to biweekly mortgage payments, plus the total interest you avoid over the loan's life.

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 affordability using interest cover ratio (ICR) and stress-tested rate. Enter property price to see icr and stress-tested affordability.

3D Printer ROI Calculator

Calculate ROI on a 3D printer from purchase price, material cost, and equivalent retail savings per print, with months until break-even.

Air Fryer vs Oven Calculator

Work out the energy-cost payback period for an air fryer vs a conventional oven. Enter both prices and per-meal energy use to see when it pays back.

Air Purifier Worth It Calculator

What an air purifier costs to run for a year — amortised purchase, filter replacements, and electricity at your local rate.

Allotment vs Supermarket ROI Calculator

Calculate whether your allotment rent plus costs produces enough equivalent value to beat supermarket produce. Honest ROI including time.

Bathroom Renovation Cost Calculator

Calculate realistic bathroom renovation cost including materials, fittings, labour, plumbing, and contingency for unexpected extras.

Biweekly Auto Payment Calculator

Calculate interest savings from biweekly versus monthly auto loan payments — see how much an extra payment per year actually saves.

Boat Ownership Cost Calculator

Calculate boat ownership costs including mooring, insurance, fuel, maintenance, and depreciation to estimate annual and lifetime totals.

Boiler Replacement Savings Calculator

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

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.

AI Tools Cost Calculator

Calculate total AI subscription spending. ChatGPT, Claude, Gemini, plus others combined into monthly, annual, and 5-year projections.

Annual Budget Health Check

Score your annual budget health across 50/30/20, savings rate, emergency fund, and debt ratios. Get a 0-100 score with diagnostic breakdown.

Annual Budget Planner

Plan your full year budget: income, essentials, discretionary, savings goals, and one-off expenses. See annual surplus and goal achievability.

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.

Annual Gift Budget Calculator

Calculate annual gift spend across birthdays, your main seasonal holiday, and other occasions. Enter frequency and per-gift amounts to see the yearly total.

Annual Subscriptions Audit Calculator

Calculate annual subscription costs across streaming, software, gym and misc categories. See yearly totals, category breakdown and 5-year spend.

Abundance Mindset Value Calculator

Estimate financial value of abundance vs scarcity mindset over years. Enter opportunity value to see financial premium of abundance mindset vs scarcity mindset.

Advertising Influence Calculator

Estimate annual spending driven by advertising exposure — hours seen, conversion rate, and resulting attributed purchases.

Alcohol Annual Spending Calculator

See what regular drinking costs over a year and over a lifetime, plus what the same money could become if invested instead at compound returns.

Anchoring Bias Negotiation Calculator

Calculate how the first-number anchor affects negotiated settlement. Enter ideal price and opening anchor to see adjusted expected outcome.

Boredom Spending Analyzer

Calculate monthly impulse spending driven by boredom and leisure. Identify patterns in idle purchasing habits and spending triggers.

Buyer's Remorse Cost Calculator

Calculate the total cost of purchases you regret or never use. See the annual waste from items bought on impulse that ended up unused or underused.

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.

Accounting Software Cost Calculator

Calculate total accounting software cost across years including initial setup hours, given subscription price and ongoing usage.

App Development Cost Calculator

Estimate total app development cost from team hours, hourly rates, platform complexity, and a 15% project-management buffer.

AWS vs Azure vs GCP Calculator

Compare AWS vs Azure vs GCP annual costs with reserved instance discounts factored — see which hyperscaler wins at your usage mix.

CDN Cost Calculator

Calculate monthly CDN cost from data transferred, request volume, and storage at the per-GB price your provider charges.

Cloud Cost Calculator

Calculate cloud compute storage and bandwidth costs with reserved discount. Enter compute monthly to see cloud net monthly cost across compute and storage.

Cloud Migration ROI Calculator

Calculate cloud migration ROI from current infrastructure cost, cloud cost, migration costs, and productivity gains. Free — no signup.

Collaboration Tool Cost Calculator

Calculate annual collaboration tool cost from user count, number of tools in the stack, and average cost per user per month.

Cybersecurity ROI Calculator

Calculate cybersecurity investment ROI from breach probability reduction, given annual security spend and the cost of a breach without protection.

Accounts Payable Turnover Calculator

Calculate accounts payable turnover and days payable outstanding from supplier purchases and average AP. Free educational tool.

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 Break-Even Revenue Calculator

Calculate the monthly revenue needed to break even on fixed costs at a given variable-cost ratio — the minimum the business must clear to stay flat.

Business Emergency Fund Calculator

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

Adoption Cost Calculator

Calculate the full adoption cost including agency fees, legal costs, home study, medical exams, travel, and initial setup expenses.

The Adulting Basics Budget

Build a complete first budget for new adults covering rent, bills, food, transport, and the basics of independent living for the first time.

The Back to School Supply Drain

Calculate complete back-to-school shopping costs across clothing, supplies, technology, and fees. Identify bulk-buying and discount savings strategies.

Bereavement Financial Impact Calculator

Estimate immediate financial impact after losing a partner's income including income loss, one-off costs, and household savings.

The Big Birthday Party Budgeter

Plan and budget milestone birthday celebrations with cost breakdowns for venue, catering, decorations, entertainment, and party favors to prevent overspending.

Care Home Cost Calculator

Calculate total care home cost across the years of care needed and the funding gap remaining after existing savings are exhausted.

Career Gap Financial Plan Calculator

Calculate the financial cushion needed to fund a planned career gap. Enter essential spending and gap duration to see savings needed.

Child Cost Calculator

Calculate total cost of raising a child from birth to age 18 across food, clothing, healthcare, and other major expense categories.

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.

Bakery Profit Calculator

Calculate bakery monthly profit by entering daily sales, item price, ingredient cost, operating days, fixed expenses, and labour costs.

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.

Coffee Shop Break-Even Calculator

Calculate coffee shop break-even point in daily and monthly cups from your selling price, variable cost per cup, and fixed monthly costs.

Food Cost Percentage Calculator

Calculate restaurant food cost percentage and gross margin from menu price and ingredient cost — the operator's first sanity check on a dish.

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 revenue from DAU, monetisation, and store fees. Enter daily active users and revenue per dau monthly to see app net revenue after app store fees.

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.

Brand Deal Value Calculator

Calculate fair brand deal value based on audience size, engagement rate, and the niche multiplier the brand category commands.

Content Creator Revenue Calculator

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

After Repair Value (ARV) Calculator

Calculate real estate flip profit with after-repair value, repair costs, and the 70% rule check — the standard wholesaler maths.

Farmland Annualised Return Calculator

Estimate the annualised farmland return from lease yield and appreciation. Geometric-mean approximation — not a true cash-flow IRR.

BRRRR Calculator

Calculate BRRRR strategy returns by modeling purchase price, rehab costs, ARV, refinance LTV, and rent to estimate recycled cash and cash-on-cash return.

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 buy-to-let mortgage against typical lender DSCR requirements — see if rents cover interest at stressed rate scenarios.

Buy-to-Let vs Savings Calculator

Compare buy-to-let property returns against high-yield savings over your chosen period. Enter capital, savings rate, rental yield and appreciation to compare both.

Cap Rate Calculator

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

Cap Rate vs GRM Calculator

Compare Cap Rate and GRM for comprehensive property analysis. Enter property price and gross rent to see both cap rate and grm for property investment analysis.

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 Bonus Compound Calculator

Future value of investing annual bonuses over a career at expected return. Enter bonus after tax and years to see compound fv of investing every bonus.

Annual Gift Tax Allowance Value Calculator

Calculate the cumulative tax saving from your annual gift tax allowance over multiple years by entering your allowance amount, tax rate, and time period.

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.

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

Calculate AI implementation ROI from cost, time savings, labour hourly rate, and the multi-year horizon over which it pays back.

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.

Client Churn Replacement Math

Project annual revenue at risk from monthly client churn and the replacement-effort load implied by acquisition lead time. Returns four interlocking figures.

Client Profitability Calculator

Project annual true profit from a single client after direct costs, time opportunity cost, and overhead allocation. Returns gross profit and per-hour 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.

Billable Hours Efficiency Calculator

Calculate billable hours efficiency and effective hourly rate from total hours worked, billable hours, and your rate as a consultant or freelancer.

Burnout Cost Calculator

Estimate annual cost of workplace burnout from productivity loss, recovery time, and healthcare costs at typical patterns.

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.

Context Switching Cost Calculator

What context switching costs the business in a year — hours lost to interruptions and the productivity recovered if focus blocks were protected.

Air Quality Financial Impact Calculator

Calculate ROI of an air purifier by comparing upfront and filter costs against avoided sick days and productivity loss over several years.

Airbnb vs Hotel Calculator

Compare Airbnb vs hotel cost with cleaning fees and breakfast value factored in. Enter nightly rates and stay length to see total spend.

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.

Airport Transport Comparison Calculator

Compare the total cost of taxi, train and parking-and-drive options for an airport trip. Enter taxi round-trip cost to see cheapest option and savings.

Annual Entertainment Budget Calculator

Calculate total annual entertainment budget across streaming, events, and gaming — see what you actually spend on having fun in a year.

Annual Food Budget Calculator

Calculate total annual food budget across groceries, dining, takeaway, and drinks — see where the money actually goes month by month.

Annual Holiday True Cost Calculator

Calculate true annual holiday cost including lost income. See cash cost vs opportunity cost before you book the next trip.

Annual Parking Cost Calculator

Calculate annual parking costs and compare daily versus monthly pass options to find the cheapest pattern for how often you actually park.

Alcohol Home vs Bar Cost Calculator

Compare cost of alcohol at home vs at bars. See the premium paid for pub/bar drinking and annual difference based on your consumption.

Annual Cost of Habit Calculator

Calculate annual and 10-year cost of a daily habit from daily spend, frequency per week, and how long you've been at it.

Annual Mileage Cost Calculator

Calculate annual fuel cost from miles driven, fuel economy, and price per litre or gallon. See your estimated yearly fuel bill and cost per mile.

Antivirus Cost Calculator

Calculate annual antivirus cost across devices and compare to the cost of dealing with a malware incident — what protection actually buys per year.

Appliance Running Cost Calculator

Calculate appliance running costs by entering wattage, daily usage hours, electricity rate, and days per year to estimate annual spending.

Loan Cost Ratio Calculator

Average annual cost of a loan including interest and upfront fees, as a percentage of the loan amount. Quick comparison ratio — not the regulatory APR.

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.

Bottled Water vs Filter Calculator

Bottled water versus a home filter — savings from switching and the months it takes to break even on the filter system itself.

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.

Cart Abandonment Revenue Loss Calculator

Calculate cart abandonment revenue loss by month or year, plus the recoverable amount your email recovery sequences could win back.

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.

Ecommerce Profit Calculator

Calculate ecommerce net profit after COGS, platform fees, ad spend, shipping, and returns with full margin breakdown. Free — no signup.

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. See the approximate APR alongside the quoted flat rate, monthly payment, and total cost.

Auto Loan Comparison Calculator

Compare two auto loan offers side by side on monthly payment and lifetime interest paid — find the cheaper option at your loan size and term.

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

Estimate total savings from refinancing an auto loan at a lower rate. See old and new monthly payments, monthly savings, and savings as % of balance.

Bad Credit Loan Calculator

Total cost of a bad-credit loan including origination fees: monthly payment, total interest, total cost of borrowing, and effective APR.

Angel Investment Return Calculator

Calculate angel investment exit proceeds, MOIC, and IRR with dilution factored in, given initial investment and initial ownership percentage.

Angel Investment Risk-Adjusted Return

Calculate risk-adjusted expected return on angel investment accounting for failure probability. Enter success probability to see expected value.

Anti-Dilution Protection Calculator

Calculate anti-dilution protection adjustments in down rounds. Enter original price per share to see anti-dilution conversion price adjustment in down rounds.

Business Exit Value Calculator

Estimate your business exit value using a blended revenue and profit multiple approach with an industry growth factor applied.

Business Idea Profitability Calculator

Calculate gross profit and break-even volume for a business idea from unit economics. Enter unit revenue to see per-unit profit and break-even volume.

Business Line of Credit Calculator

Calculate total business line of credit cost including interest on drawn balance and unused commitment fees on the undrawn portion.

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

Calculate business protection cover needed for key person from profit contribution, replacement time, recruitment, and loans.

Annual Net Worth Tracker

Track your annual net worth change: this year's total minus last year's, with growth rate and monthly contribution implied.

Apprenticeship vs University Calculator

Compare lifetime earnings with our apprenticeship vs university calculator. Model net income across both routes based on salary, costs, and study years.

Barista FIRE Calculator

Calculate the Barista FIRE target — partial financial independence supplemented by part-time income — for a chosen lifestyle level.

Bootcamp vs Degree Calculator

Compare bootcamp vs degree financially — total earned and net income across 15+ years using your own salary and tuition assumptions.

Buy vs Lease Car Calculator

Compare the total cost of buying a car outright against leasing across a matched ownership period. Enter buy price to see net cost of each path over the period.

Care Home Affordability Calculator

Calculate how long savings cover care home costs, accounting for other income coming in and inflation in the cost itself.

Career Break Finances Calculator

Calculate total financial cost of a career break including lost salary, employer match, and expenses during time off. Free and educational.

Career Change Financial Impact Calculator

Weigh up the money side of changing careers. Compare salary before and after plus transition costs to see the net financial impact over your chosen horizon.

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.

ARPU Calculator

Calculate ARPU by entering total revenue and active user count to see average revenue per user monthly and annualised instantly.

ARR Calculator

Calculate current ARR and forecast future ARR using your MRR and monthly growth rate over a 12 to 24 month projection horizon.

ARR Payback Period Calculator

Calculate ARR payback period using total CAC spend, new ARR added, and gross margin to estimate months until acquisition costs are recovered.

CAC Payback Period Calculator

Calculate CAC payback period in months from customer acquisition cost, MRR per customer, and gross margin on the contract.

Churn Rate Calculator

Calculate churn rate and net growth rate from starting customers, customers churned, and customers gained during the period.

Churn Revenue Impact Calculator

Calculate the annualised run-rate of churned revenue and the equivalent count of new customers needed to replace it on the books.

Churn vs Revenue Churn Calculator

Compare customer churn against revenue churn to reveal customer-mix quality and the retention curve hidden inside the headline number.

Annual vs Hourly Wealth Builder

Convert annual salary to effective hourly wealth-building rate. See what each working hour actually adds to your net worth.

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.

Burn Rate Calculator

Calculate your burn rate and savings rate. See what percentage of income is consumed and how much remains for wealth building.

Commute Lifetime Cost Calculator

Calculate lifetime commute cost including money spent and the time value of hours commuted across remaining working years.

Cost of Bad Hire Calculator

Calculate total cost of a bad hire including salary paid, recruiting fees, training spend, and the productivity drag while the role is wrong.

Cost of Being Broke Calculator

Calculate the hidden financial penalties of being broke — higher insurance rates, payday loan fees, late payment charges, and more.

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.

Cost Per Day of Life Calculator

Convert your annual spending into a daily cost of life. See what each day costs and project the total remaining lifetime spend.

Battery Storage ROI Calculator

Battery storage break-even year and lifetime return after the install cost is paid off through projected annual savings on bills.

Biomass Boiler ROI Calculator

Calculate biomass boiler ROI by comparing installation cost to annual fuel savings, with the resulting break-even year and lifetime saving.

Bulk Refill vs Individual Packaging

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

Car Pooling Savings Calculator

Calculate carpooling savings annually by entering commute distance, fuel cost per km, days per week, and the number of people sharing the ride.

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.

Carbon Offset Lifetime Cost Calculator

Calculate the annual and lifetime cost of offsetting a personal carbon footprint from annual tonnes emitted and cost per tonne offset.

Carbon Offset vs Reduction Calculator

Compare carbon offsetting against direct emissions reduction investment across years — see which approach actually moves the needle.

Carbon Reduction Savings Calculator

Calculate combined annual cost savings from carbon-reducing changes across transport, food, energy, and consumption. Free educational tool.

Billboard Advertising ROI Calculator

Calculate billboard advertising ROI from rental cost, impressions, conversion rate, and the lifetime value of each converted customer.

Bundle Pricing Calculator

Calculate bundle pricing from individual item prices, bundle discount, and bundle cost — see the margin you preserve at each discount level.

Chatbot ROI Calculator

Calculate chatbot ROI from support cost savings and lift in conversion rate, given annual platform cost and weekly support hours saved.

Competitive Pricing Calculator

Calculate a competitive pricing strategy using competitor averages, product cost, target margin, and positioning to find your recommended price point.

Content Marketing ROI Calculator

Calculate content marketing ROI from organic traffic and conversion, given annual content investment and visitors attributed to that content.

Conversion Rate Calculator

Calculate conversion rate from visitors and conversions, plus revenue implications per percentage-point improvement at your average order value.

Cost Per Acquisition Calculator

Calculate cost per acquisition and LTV:CPA ratio for marketing efficiency. Enter marketing spend and new customers to see CPA and LTV:CPA ratio.

Cost Per Click (CPC) Calculator

Calculate CPC, CPM, CTR, CPA, and conversion rate from ad spend, clicks, impressions, and conversions — the standard ad-performance metric set.

Break-Even Inflation Rate Calculator

Find the inflation rate that would exactly match your nominal return, leaving real purchasing power unchanged to project real (after-inflation) value.

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

Calculate the future real value of money after inflation — see purchasing power lost across years at any inflation rate.

Inflation Required Yield Calculator

Calculate the nominal yield needed to hit a real return target using the Fisher equation. Enter inflation rate and desired real return to get results.

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 Rent Increase Calculator

Convert a nominal rent increase into a real change after inflation, showing whether your rent actually rose in purchasing power.

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.

Budget Analyzer

Score a monthly budget against the 50/30/20 rule — see needs, wants, and savings percentages with a balance score that flags imbalances.

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.

Credit Utilisation Calculator

Calculate credit utilisation ratio and compare against target for credit score optimization. Enter credit limit to see utilisation percent and current balance.

Disability Income Gap Calculator

Calculate the income gap if disabled, considering insurance coverage percentage and the months of cover the policy provides.

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.

Emergency Fund vs Investing Calculator

Compare the expected value of emergency fund savings versus investing the same amount across various probability-weighted scenarios.

Employer Contribution Value Calculator

Calculate lifetime value of employer pension match over career with compound growth. Enter salary and years remaining to see compounded match value.

Critical Illness Cover Calculator

Calculate critical illness cover needed based on essential expenses, recovery period, mortgage balance, and other outstanding debts.

Cyber Insurance Calculator

Calculate cyber insurance expected value against breach risk. Enter premium and breach probability to compare deductible impact.

Directors & Officers Insurance Calculator

Estimate your Directors & Officers insurance premium using company revenue, coverage limit, and industry risk factor to budget D&O board liability costs.

Disability Insurance Calculator

Disability insurance calculator. Compute coverage gap based on income, existing coverage, target replacement rate, and working years remaining.

Employee Benefits Cost Calculator

Calculate total employee benefits cost and compensation package. Enter base salary and employer pension to project annual premium cost.

Export Credit Insurance Calculator

Calculate export credit insurance premium from exposure, rate, country risk, and payment term. Enter exposure value and base premium rate to size cover needed.

Key Person Insurance Calculator

Calculate key person insurance cover from profit attributable, years of impact, discount rate, and replacement cost. Free and educational.

Landlord Insurance Calculator

Calculate annual landlord insurance cost from property value, rent, buildings rate, liability, and contents cover. Free — no signup.

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 Dollar Cost Average Calculator

Calculate dollar cost averaging outcome in crypto across start and end prices. Enter amount and months to see final value and average cost per unit.

Crypto Futures Calculator

Calculate crypto futures P&L, margin, and liquidation distance for leveraged trading. Enter contract size and entry price to see your liquidation price.

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.

Crypto Staking Calculator

Crypto staking calculator. Enter staked amount, annual rate, and compounding frequency to see rewards earned and the final staked balance.

DeFi Yield Calculator

DeFi yield calculator with protocol fees and gas costs. See net yield, final balance, and effective APY after deducting realistic DeFi costs.