Calculator library
All 28 calculators are free to use without an account. Use them to project, plan, and compare assumptions with a professional-style financial modeling perspective; the full catalogue remains available below.
28 calculators
Everyday
FeaturedModel loan interest and generate a full amortization schedule across simple, compound, and periodic methods.
Use it when you are deciding whether a loan payment fits the business.
Example: compare a five-year equipment loan against the monthly cash your slow season can support.
Everyday
FeaturedMeasure return on investment from an initial cost and final value.
Use it when a spend has to prove it can pay for itself.
Example: test whether a $40,000 marketing push creates enough profit or exit value to justify the investment.
TVM
Compute the discount factor that converts a future cash flow to its present value.
Use it when a future dollar should not be treated like a dollar today.
Example: discount a supplier rebate due in two years before comparing it with an upfront price cut.
Cost
Calculate the cost of producing one additional unit from changes in cost and quantity.
Use it when the next unit, job, or customer has a different cost than the average.
Example: estimate the cost of adding one more production run before quoting a larger order.
Capital
Compute working capital and the current ratio from current assets and current liabilities.
Use it when growth is tying up cash in receivables, inventory, or payables.
Example: see whether a larger inventory purchase leaves enough current assets to cover near-term bills.
Statements
Build a balance sheet and confirm that assets equal liabilities plus equity.
Use it when you need a clean picture of what the business owns and owes.
Example: check that assets, liabilities, and equity still balance after adding a new loan and equipment purchase.
Capital
Derive capital expenditures from changes in property, plant, and equipment.
Use it when capital spending needs to be separated from ordinary expenses.
Example: estimate the year's equipment investment from the change in PP&E and depreciation.
Risk
FeaturedEstimate the expected return on equity using the capital asset pricing model.
Use it when you need a professional-style required return for equity risk.
Example: estimate the return investors might expect before using it inside WACC or a valuation.
Statements
Summarize operating, investing, and financing cash flows to find the net change in cash.
Use it when profit is not enough and cash movement matters.
Example: reconcile operating, investing, and financing cash flows before deciding how much cash the business generated.
Cost
Compute cost of goods manufactured from materials, labor, overhead, and work-in-process.
Use it when production cost needs to be traced through materials, labor, and overhead.
Example: estimate manufactured cost before setting wholesale pricing for a new product line.
Valuation
FeaturedValue a business using its EBITDA and a chosen valuation multiple.
Use it when you want a market-style valuation shortcut.
Example: apply a 6x EBITDA multiple to see what a buyer might imply before deeper diligence.
Valuation
FeaturedBridge enterprise value to equity value by adjusting for debt, cash, and minority interests.
Use it when enterprise value has to be translated into owner value.
Example: start with a business valuation, then subtract debt and add cash to estimate equity value.
TVM
Run core time-value-of-money functions like PV, FV, NPV, PMT, and rate on a single screen.
Use it when you need spreadsheet-style time-value math without opening a spreadsheet.
Example: calculate payment, present value, future value, or NPV for a financing decision on one screen.
Debt
Compute debt-to-equity, debt-to-assets, and interest coverage to gauge financial leverage.
Use it when debt needs to be measured against equity, assets, and earnings power.
Example: check whether a new loan would push debt-to-equity or interest coverage beyond your comfort range.
Valuation
Compare a company's market capitalization to its book value of equity.
Use it when market value needs to be compared with accounting book value.
Example: see whether a quoted valuation is far above the equity carried on the balance sheet.
Debt
Estimate the market value of outstanding debt by treating it as a coupon bond.
Use it when the face amount of debt is not the same as its economic value.
Example: estimate what fixed-rate debt is worth today after interest rates have moved.
Capital
Roll forward property, plant, and equipment across capex, depreciation, and disposals.
Use it when fixed assets need a year-by-year roll-forward.
Example: plan capex, depreciation, disposals, and ending PP&E before updating a forecast.
Capital
Capitalize research and development spending and amortize it over its useful life.
Use it when R&D should be modeled as an investment instead of only an expense.
Example: capitalize software development spend to understand the longer-term earnings effect.
Capital Markets
FeaturedEstimate a firm's blended cost of capital using CAPM for equity and a synthetic-rating cost of debt.
Use it when a valuation or project needs a defensible discount rate.
Example: blend the cost of equity and debt before deciding whether a store expansion clears the required return.
Valuation
FeaturedValue a business by discounting projected unlevered free cash flows and a terminal value.
Use it when you want to value a business from the cash it may produce.
Example: forecast five years of free cash flow, discount it, and see what valuation your assumptions imply.
Risk
Convert between levered and unlevered beta to isolate business risk from capital structure.
Use it when you need to separate operating risk from financing choices.
Example: unlever a public-company beta, then relever it for your target debt mix.
Debt
Project how debt paydown reshapes a capital structure and returns over time.
Use it when debt paydown changes the shape of ownership returns.
Example: model how annual debt repayment lowers leverage and shifts equity value over time.
Valuation
Walk from enterprise value to equity value with a full bridge of adjustments.
Use it when the bridge from business value to shareholder value has several adjustments.
Example: move from enterprise value to equity value after debt, cash, preferred equity, and minority interest.
TVM
FeaturedSolve for the internal rate of return that makes a stream of cash flows net to zero.
Use it when cash flows happen over time and a simple ROI is not enough.
Example: compare a project with upfront cost and uneven annual cash receipts against another investment.
Valuation
Decompose leveraged buyout returns into EBITDA growth, multiple change, and debt paydown.
Use it when you want to see what actually drove a leveraged return.
Example: split value creation between EBITDA growth, multiple change, cash flow, and debt paydown.
Valuation
Compute the money-on-money multiple from invested capital and realized proceeds.
Use it when you need a simple multiple of money returned.
Example: see whether a $250,000 investment returning $600,000 is a 2.4x outcome.
Everyday
Evaluate a rental property across cash-on-cash return, cap rate, and long-run yield.
Use it when property returns need both operating and financing views.
Example: compare cap rate, cash-on-cash return, and monthly cash flow before buying a rental property.
Valuation
FeaturedStress-test an output by sweeping two inputs across a two-dimensional grid.
Use it when one forecast number depends on assumptions that might move.
Example: see how valuation changes across a range of margin and growth assumptions before choosing a base case.
For educational and informational purposes only. Not financial advice.