Financial planning documents and calculator

THE TOOLKIT120+useful calculators

A MORE THOUGHTFUL WAY TO PLAN

Make the numbers work for you.

A curated-feeling collection of practical calculators for money, property, operations and digital business — with the assumptions out in the open.

Explore the collection

Independent educational tools · U.S.-focused · No account required

BUILT FOR REAL QUESTIONS

From “what will it cost?” to “does this make sense?”

Model a decision before you commit. Estimate payments, compare operating costs, understand ad performance, and explore business scenarios with calculators that show what they assume.

EXPLORE THE COLLECTION

Choose a field

Personal Finance

Plan savings, interest, loan payments and everyday money decisions.

12 calculators →✦

Tax & Payroll

Educational U.S. tax, paycheck, salary and payroll estimates.

12 calculators →✦

Real Estate

Estimate mortgage costs, rental returns, property cash flow and cap rates.

12 calculators →✦

Business Finance

Model cash flow, margins, pricing, break-even points and business runway.

12 calculators →✦

SaaS & Cloud

Estimate subscription spend, API usage, cloud costs and software ROI.

12 calculators →✦

Marketing & Advertising

Estimate ad revenue, conversion rates, ROAS, CAC and campaign performance.

12 calculators →✦

Math & Conversions

Quick percentage, discount, unit, ratio and everyday math tools.

12 calculators →✦

Energy & Home

Estimate electricity costs, solar savings, appliance use and home budgets.

12 calculators →✦

Retirement & Investing

Explore compound growth, retirement contributions and investment scenarios.

12 calculators →✦

Compliance & Operations

Organize business compliance estimates and operational planning; not legal advice.

12 calculators →

THE CALCULATOR LIBRARY

Find your next calculation

Search the directory or browse every tool below.

Personal Finance

Personal Loan Payment Calculator

Estimate fixed monthly payments for a personal loan.

Explore tool ↗Personal Finance

Credit Card Payoff Interest Estimator

Model a fixed-payment loan-style payoff scenario; actual revolving-card rules differ.

Explore tool ↗Personal Finance

Compound Savings Calculator

Project savings growth with recurring monthly deposits.

Explore tool ↗Personal Finance

Simple Interest Calculator

Calculate non-compounding interest on a balance.

Explore tool ↗Personal Finance

Investment ROI Calculator

Estimate return on an investment after entered costs.

Explore tool ↗Personal Finance

Tip Split Calculator

Calculate tip amount and split the bill.

Explore tool ↗Personal Finance

Discount Price Calculator

Find sale price and estimated sales tax.

Explore tool ↗Personal Finance

Percentage Change Calculator

Measure the percentage change between two values.

Explore tool ↗Personal Finance

Sales Tax Calculator

Estimate tax on a taxable purchase.

Explore tool ↗Personal Finance

Unit Price Calculator

Compare cost per item or unit.

Explore tool ↗Personal Finance

Monthly Budget Cash Projection

Project cash balance from monthly inflows and outflows.

Explore tool ↗Personal Finance

Savings Goal Growth Calculator

Estimate how a savings balance may grow toward a goal.

Explore tool ↗Tax & Payroll

Hourly to Annual Salary Calculator

Annualize hourly pay using hours and weeks worked.

Explore tool ↗Tax & Payroll

Overtime Pay Calculator

Estimate regular and overtime gross wages.

Explore tool ↗Tax & Payroll

Sales Tax Rate Calculator

Estimate the total cost after sales tax.

Explore tool ↗Tax & Payroll

Self-Employment Tax Budget Estimator

Build a rough budget for professional and administrative costs; not a tax calculation.

Explore tool ↗Tax & Payroll

Quarterly Tax Payment Budget Planner

Project cash set aside for quarterly obligations.

Explore tool ↗Tax & Payroll

Payroll Cost Calculator

Estimate a business cash-flow scenario for recurring payroll costs.

Explore tool ↗Tax & Payroll

Take-Home Pay Budget Planner

Model monthly cash after entered inflows and outflows; not a tax withholding engine.

Explore tool ↗Tax & Payroll

Annual Bonus Percentage Calculator

Calculate a percentage-based bonus amount.

Explore tool ↗Tax & Payroll

Pay Raise Calculator

Calculate the percentage change in compensation.

Explore tool ↗Tax & Payroll

Contractor Hourly Rate Calculator

Annualize contractor billings before expenses and unpaid time.

Explore tool ↗Tax & Payroll

Late Payment Interest Estimator

Estimate simple interest on an overdue balance.

Explore tool ↗Tax & Payroll

Tax Preparation Budget Calculator

Estimate the cost budget for tax-preparation support and internal time.

Explore tool ↗Real Estate

Mortgage Payment Calculator

Estimate monthly principal, interest, property tax and insurance.

Explore tool ↗Real Estate

Mortgage Principal and Interest Calculator

Estimate fixed principal-and-interest payments.

Explore tool ↗Real Estate

Rental Property Yield Calculator

Estimate gross rental yield and net operating yield.

Explore tool ↗Real Estate

Real Estate Cap Rate Calculator

Estimate cap rate from NOI and property value.

Explore tool ↗Real Estate

Rent vs Buy Comparison Calculator

Compare rent paid with mortgage payments over a chosen period.

Explore tool ↗Real Estate

Property Cash Flow Calculator

Project cash flow from entered monthly amounts.

Explore tool ↗Real Estate

Real Estate ROI Calculator

Estimate investment return after entered costs.

Explore tool ↗Real Estate

Rental Price per Unit Calculator

Calculate cost or rent per unit.

Explore tool ↗Real Estate

Property Repair Payback Calculator

Estimate payback from monthly savings.

Explore tool ↗Real Estate

Commercial Property Loan Calculator

Estimate fixed payments on a commercial loan.

Explore tool ↗Real Estate

Property Appreciation Calculator

Model a hypothetical annual growth rate.

Explore tool ↗Real Estate

Real Estate Operating Budget Calculator

Add property-management labor, advisors and operating costs.

Explore tool ↗Business Finance

Startup Runway Calculator

Estimate how long available cash may last at a given burn rate.

Explore tool ↗Business Finance

Business Break-Even Calculator

Calculate units required to cover fixed costs.

Explore tool ↗Business Finance

Gross Profit Margin Calculator

Calculate gross or operating margin from revenue and costs.

Explore tool ↗Business Finance

Product Markup Calculator

Calculate a target selling price from cost and markup.

Explore tool ↗Business Finance

Monthly Cash Flow Calculator

Project ending cash across a chosen number of months.

Explore tool ↗Business Finance

Business Loan Payment Calculator

Estimate fixed monthly business-loan payments.

Explore tool ↗Business Finance

Business ROI Calculator

Estimate return after additional costs.

Explore tool ↗Business Finance

Depreciation Calculator

Estimate straight-line depreciation per year.

Explore tool ↗Business Finance

Customer Acquisition Cost Calculator

Calculate marketing and sales cost per acquired customer.

Explore tool ↗Business Finance

Business Payback Period Calculator

Estimate simple payback from monthly net savings.

Explore tool ↗Business Finance

Late Invoice Interest Calculator

Estimate simple interest on an overdue invoice.

Explore tool ↗Business Finance

Compliance Cost Budget Planner

Estimate internal and outside-advisor compliance budget inputs.

Explore tool ↗SaaS & Cloud

SaaS Subscription Cost Calculator

Estimate software subscription spend by seats and months.

Explore tool ↗SaaS & Cloud

Cloud Infrastructure Cost Calculator

Add compute, storage, transfer and other cloud costs.

Explore tool ↗SaaS & Cloud

AI API Token Cost Calculator

Estimate API cost from token volume and entered model prices.

Explore tool ↗SaaS & Cloud

Unused SaaS Seat Waste Calculator

Estimate subscription spend that may be associated with unused seats.

Explore tool ↗SaaS & Cloud

SaaS Customer Churn Calculator

Calculate customer churn for a period.

Explore tool ↗SaaS & Cloud

SaaS Lifetime Value Calculator

Estimate simplified gross-profit customer LTV.

Explore tool ↗SaaS & Cloud

SaaS CAC Calculator

Estimate acquisition cost per new customer.

Explore tool ↗SaaS & Cloud

SaaS Payback Period Calculator

Estimate months to recover an upfront investment.

Explore tool ↗SaaS & Cloud

Software ROI Calculator

Estimate software investment return.

Explore tool ↗SaaS & Cloud

SaaS Gross Margin Calculator

Calculate margin from revenue and costs.

Explore tool ↗SaaS & Cloud

Subscription Revenue Projection

Project recurring contributions using a constant assumed rate.

Explore tool ↗SaaS & Cloud

Cloud Cost Growth Modeler

Model hypothetical annual growth in cloud spending.

Explore tool ↗Marketing & Advertising

Ad Revenue Calculator

Estimate advertising revenue from pageviews and RPM.

Explore tool ↗Marketing & Advertising

Page RPM Calculator

Estimate revenue from pageviews and page RPM.

Explore tool ↗Marketing & Advertising

Conversion Rate Calculator

Calculate conversions as a share of visitors.

Explore tool ↗Marketing & Advertising

Return on Ad Spend Calculator

Calculate attributed revenue divided by advertising spend.

Explore tool ↗Marketing & Advertising

Customer Acquisition Cost Calculator

Calculate sales and marketing spend per new customer.

Explore tool ↗Marketing & Advertising

Campaign ROI Calculator

Estimate campaign ROI after additional costs.

Explore tool ↗Marketing & Advertising

Marketing Budget Payback Calculator

Estimate payback from monthly net savings.

Explore tool ↗Marketing & Advertising

Discount Campaign Calculator

Calculate promotional sale price and tax.

Explore tool ↗Marketing & Advertising

Email Conversion Calculator

Calculate conversion rate for email traffic.

Explore tool ↗Marketing & Advertising

Affiliate Commission Calculator

Calculate commission as a percentage of sales.

Explore tool ↗Marketing & Advertising

Lead Value Calculator

Estimate a percentage-based share of lead value.

Explore tool ↗Marketing & Advertising

Ad Spend Budget Planner

Project a budget balance over time.

Explore tool ↗Math & Conversions

Percentage of a Number Calculator

Find a percentage of a number.

Explore tool ↗Math & Conversions

Percentage Increase Calculator

Calculate increase or decrease between two values.

Explore tool ↗Math & Conversions

Average Calculator

Calculate the arithmetic mean of four values.

Explore tool ↗Math & Conversions

Ratio Simplifier

Simplify a ratio between two amounts.

Explore tool ↗Math & Conversions

Unit Cost Calculator

Calculate cost per unit.

Explore tool ↗Math & Conversions

Discount Calculator

Calculate discounted price and estimated tax.

Explore tool ↗Math & Conversions

Sales Tax Calculator

Calculate tax and total purchase amount.

Explore tool ↗Math & Conversions

Tip Calculator

Calculate gratuity and per-person share.

Explore tool ↗Math & Conversions

Simple Interest Calculator

Calculate interest without compounding.

Explore tool ↗Math & Conversions

Compound Growth Calculator

Project growth using a constant assumed annual rate.

Explore tool ↗Math & Conversions

Loan Payment Calculator

Calculate fixed monthly payments.

Explore tool ↗Math & Conversions

Percentage Difference Calculator

Compare values as percentage change from the first value.

Explore tool ↗Energy & Home

Electricity Cost Calculator

Estimate electricity cost from daily kWh use.

Explore tool ↗Energy & Home

Solar Savings Calculator

Estimate annual bill savings and simple payback.

Explore tool ↗Energy & Home

Home Improvement Payback Calculator

Estimate payback from monthly savings.

Explore tool ↗Energy & Home

Home Loan Payment Calculator

Estimate monthly mortgage-related payment components.

Explore tool ↗Energy & Home

Home Budget Projection

Project household cash flow.

Explore tool ↗Energy & Home

Energy Price Change Calculator

Calculate change in energy price.

Explore tool ↗Energy & Home

Appliance Running Cost Calculator

Estimate electricity cost from daily usage.

Explore tool ↗Energy & Home

Solar Project ROI Calculator

Estimate ROI using entered cost and ending value.

Explore tool ↗Energy & Home

Home Repair Cost Budget

Add labor and outside-advisor cost inputs for a project budget.

Explore tool ↗Energy & Home

Heating Cost Comparison Planner

Estimate energy cost at the entered usage and rate.

Explore tool ↗Energy & Home

Monthly Utility Cost Calculator

Project monthly utility cash outflows.

Explore tool ↗Energy & Home

Efficiency Upgrade Payback Calculator

Estimate simple payback from expected monthly savings.

Explore tool ↗Retirement & Investing

Compound Interest Investment Calculator

Project investment growth under an assumed constant rate.

Explore tool ↗Retirement & Investing

Retirement Savings Growth Calculator

Model a starting balance plus monthly contributions.

Explore tool ↗Retirement & Investing

Investment ROI Calculator

Calculate return after additional costs.

Explore tool ↗Retirement & Investing

Simple Interest Investment Calculator

Calculate simple interest on a principal.

Explore tool ↗Retirement & Investing

Portfolio Growth Scenario Calculator

Project hypothetical balance growth.

Explore tool ↗Retirement & Investing

Investment Payback Calculator

Estimate payback from monthly net savings.

Explore tool ↗Retirement & Investing

Monthly Contribution Planner

Estimate the effect of regular monthly contributions.

Explore tool ↗Retirement & Investing

Annual Return Percentage Calculator

Calculate percentage change between two portfolio values.

Explore tool ↗Retirement & Investing

Retirement Budget Projection

Project cash balances using recurring inflows and outflows.

Explore tool ↗Retirement & Investing

Loan vs Investment Payment Calculator

Estimate fixed loan payments for scenario comparison.

Explore tool ↗Retirement & Investing

Investment Fee Impact Budget

Estimate recurring fee spend from a monthly rate and duration.

Explore tool ↗Retirement & Investing

Asset Depreciation Calculator

Estimate straight-line asset depreciation.

Explore tool ↗Compliance & Operations

BOI Compliance Cost Budget Planner

Organize internal labor and advisor cost assumptions; does not determine BOI filing obligations.

Explore tool ↗Compliance & Operations

Business Compliance Budget Calculator

Estimate internal and outside support costs for planning.

Explore tool ↗Compliance & Operations

Regulatory Project Payback Calculator

Estimate payback from monthly net savings.

Explore tool ↗Compliance & Operations

Late Invoice Interest Estimator

Estimate simple interest only; not a statutory penalty calculator.

Explore tool ↗Compliance & Operations

Operating Cash Flow Planner

Project operational cash balance.

Explore tool ↗Compliance & Operations

Compliance Staffing Cost Calculator

Annualize labor costs from hourly rate and working schedule.

Explore tool ↗Compliance & Operations

Compliance Vendor Cost Calculator

Estimate recurring vendor subscription costs.

Explore tool ↗Compliance & Operations

Internal Audit Budget Planner

Add staff time and outside support costs.

Explore tool ↗Compliance & Operations

Document Processing Cost Calculator

Calculate average cost per document or item.

Explore tool ↗Compliance & Operations

Risk Mitigation ROI Calculator

Estimate ROI from an investment and entered costs.

Explore tool ↗Compliance & Operations

Business Continuity Runway Calculator

Estimate cash runway from available funds and monthly burn.

Explore tool ↗Compliance & Operations

Operational Break-Even Calculator

Estimate sales or units needed to cover fixed costs.

Explore tool ↗

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Useful estimates, with honest boundaries.

These tools are starting points. Verify current tax rules, rates, local requirements and provider pricing before making important decisions.

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