Finance Tools

Calculate net profit, margin and break-even point for your store.

Calculate the number of units you need to sell to cover your fixed and variable costs.

Calculate return on investment (ROI) based on your initial investment and final value.

Calculate monthly payment for a fixed-rate loan.

Estimate your monthly mortgage payment based on loan amount, interest rate, and term.

Estimate how much house you can afford based on your income, debts, and loan terms.

Generate a full amortization schedule with monthly principal and interest breakdown.

Compare your current mortgage with a new refinance offer and see monthly savings, total interest saved, and breakeven point.

Calculate monthly payment, total interest, and total cost for a fixed-rate loan.

Estimate the annual percentage rate (APR) for a loan, including upfront fees and closing costs.

Estimate your monthly car loan payment based on vehicle price, down payment, interest rate, and loan term.

Estimate your monthly FHA mortgage payment including principal, interest, and FHA mortgage insurance (MIP).

See how long it will take to pay off your auto loan and how much interest you will pay, with or without extra monthly payments.

Calculate simple interest on a loan or investment based on principal, rate, and time.

Calculate your DTI ratio to see if you qualify for a mortgage or loan based on your income and monthly debt payments.

Estimate your monthly PMI payment based on loan amount, down payment, credit score, and home value.

Compare the cost of renting versus buying a home based on your rent, home price, down payment, and mortgage terms.

Estimate your monthly payment during the introductory ARM period and after the rate adjusts.

Calculate your loan-to-value (LTV) ratio to see how much of the property value is financed by a loan.

Compare two mortgage offers side by side by monthly payment, total interest, and total cost.

Calculate compound interest on savings or investments based on principal, annual rate, time, and compounding frequency.

Estimate how long it will take to pay off a credit card based on balance, APR, and monthly payment.

Use the debt snowball method to see how quickly you can pay off multiple debts using a fixed monthly budget.

Compare a standard monthly mortgage schedule with a biweekly payment schedule and see how much interest and time you can save.

Compare your current auto loan with a refinance offer and see how your monthly payment and total interest change.

See how long it will take to reach a savings goal based on your current savings, monthly contributions, and expected annual growth rate.

Use the debt avalanche method to pay off debts by focusing on the highest interest rate first and minimizing total interest paid.

Compare the cost of staying with your current credit card versus moving your balance to a new card with an introductory APR and transfer fee.

See the total cost of a loan, including monthly payment, total paid, and total interest. Optionally add an extra monthly payment to see time and interest savings.

Estimate how much home equity you can borrow with a HELOC based on your home value, current mortgage balance, and maximum combined LTV.

Estimate your monthly student loan payment, total amount repaid, and total interest for a fixed-rate student loan.

Calculate interest charges on overdue payments using principal amount, interest rate, and number of late days.

Compare a standard student loan payment with an income-based repayment amount based on your annual income and payment percentage.

Estimate the annual interest rate on a car loan based on the loan amount, term, and monthly payment.

Compare mortgage payments across payment frequencies such as monthly, biweekly, weekly, and accelerated schedules.

Compare two different loan terms to see which option results in lower monthly payments and lower total interest.

Calculate how much interest you can save on a student loan by making extra monthly payments.

Convert an annual interest rate (APR) into an effective monthly interest rate.

Calculate interest-only monthly payments and compare them with fully amortized payments.

Estimate how long it will take to pay off a loan based on the remaining balance, annual interest rate, and monthly payment.

Calculate how much you need for a down payment based on the purchase price and down payment percentage.

Calculate loan interest based on principal, interest rate, and time. Get total interest and total amount repaid.

Calculate monthly principal and interest (P&I) payments without taxes, insurance, or other fees.

See how extra mortgage payments can reduce your payoff time and total interest. Compare your current schedule vs. extra payments.

Estimate how much time and interest you can save by making additional principal-only payments on your loan or mortgage.

Generate an amortization schedule with extra monthly payments and see payoff time and interest savings.

Calculate monthly payments and the balloon payment amount for a balloon loan, and see total interest paid before the balloon is due.

Estimate monthly mortgage payments and the balloon payment (remaining balance) due at a specific time, including optional taxes and insurance.

Generate an amortization schedule for a loan with a balloon payment and see the remaining balance due at the balloon date.

Estimate monthly payments for an SBA loan and optionally include SBA guarantee fee and packaging/origination fees in your financed amount.

Calculate home loan repayments for monthly, fortnightly, or weekly payment schedules.

Calculate car loan repayments for monthly, fortnightly, or weekly payment schedules. Compare repayment amounts and total interest.

Calculate education loan repayments for monthly, biweekly, or weekly schedules. See repayment amount, total repaid, and total interest.

Estimate Parent PLUS loan repayment amounts and total interest for a fixed-rate loan. Compare monthly, biweekly, and weekly repayment schedules.

Calculate monthly payments, total repaid, and total interest for a personal loan with a fixed interest rate.

Estimate how much interest accrues during a loan deferment period. Compare simple interest vs. capitalized interest (interest added to balance).

Estimate USDA loan monthly payments including USDA upfront guarantee fee and annual fee. Compare payments with and without rolling fees into the loan.

Estimate your monthly payment under an income-driven repayment (IDR) plan based on income, family size, and payment percentage. Compare IDR with standard repayment.

Compare income-driven repayment (IDR) plans including IBR, PAYE, SAVE, and ICR. See estimated monthly payments and annual costs side by side.

Check if you may be eligible for an income-driven repayment (IDR) plan and see a step-by-step application checklist before applying.

Estimate federal student loan payments using loan type presets, APR, origination fee, and term.

Estimate student loan consolidation by calculating the weighted average APR (with optional Direct Consolidation rounding) and an estimated repayment term.

Estimate a fee-adjusted APR for a student loan by accounting for origination and upfront fees and net disbursement.

Compare your current student loan to a refinance offer to estimate monthly savings, total savings, interest savings, and break-even month if fees apply.

Estimate remaining PSLF qualifying payments (up to 120) and project potential loan forgiveness based on your balance, rate, and qualifying monthly payment.

Estimate remaining student loan balance and potential forgiveness after a chosen timeline based on your expected monthly payment. Optionally estimate taxes on forgiven amount.

Estimate your student loan payment under a simplified SAVE Plan model using discretionary income. Optionally compare payment vs estimated monthly interest.

Estimate your student loan payment under a simplified PAYE model using discretionary income (AGI minus 150% poverty guideline). Optionally compare payment vs estimated monthly interest.

Estimate your student loan payment under a simplified ICR (Income-Contingent Repayment) model using discretionary income. Optionally compare payment vs estimated monthly interest.

Estimate your student loan payment under a simplified IBR (Income-Based Repayment) model using discretionary income. Choose 10% vs 15% rate and optionally compare payment vs estimated monthly interest.

Calculate whether a credit card’s annual fee is worth it based on your spending and rewards rate.

Estimate how much cashback you earn per month and per year based on your spending and cashback rate.

Convert credit card points into cash value based on your spending, earn rate, and point value (cents per point).

Estimate the dollar value of travel rewards (points or miles) based on your travel spending, earn rates, and cents-per-point value.

Estimate how much you pay in foreign transaction fees and how much you could save with a no-foreign-fee credit card.

Estimate how much interest you could save by reducing your credit card APR, based on balance, payments, and payoff timeline.

Calculate capital gains tax based on purchase price, sale price, holding period, and tax rate. Estimate net profit after tax.

Estimate self-employment tax (Social Security + Medicare) based on net profit. Includes the 92.35% net earnings adjustment and optional Social Security wage base cap.

Estimate your after-tax salary (take-home pay) using a simplified model with federal tax rate, optional state tax, FICA, and pre-tax deductions.

Estimate quarterly tax payments based on expected annual taxable income and an estimated effective tax rate. Optionally subtract withholding and payments already made.

Calculate short-term capital gains tax based on purchase price, sale price, and ordinary income tax rate. Estimate tax owed and net profit.

Calculate long-term capital gains tax based on purchase price, sale price, and long-term capital gains tax rate. Estimate tax owed and net profit.

Calculate tax and net profit from selling stocks based on buy price, sell price, shares, fees, and capital gains tax rate.

Estimate crypto taxes based on buy/sell price, quantity, fees, and capital gains tax rate. Calculate gain, tax owed, and net profit.

Estimate dividend taxes based on dividend amount and tax rate. Choose between qualified or ordinary dividends and calculate tax owed and net dividends.

Estimate 1099 contractor taxes using net income, estimated self-employment tax rate, and income tax rate. Calculate total tax and take-home pay.

Estimate freelancer taxes using net income, estimated self-employment tax rate, and income tax rate. Calculate total tax and take-home pay.

Estimate IRS underpayment penalties based on unpaid tax amount, annual penalty rate, and number of days underpaid.

Estimate quarterly tax payments based on annual taxable income and an estimated tax rate. See per-quarter payments and total annual tax.

Estimate take-home pay after taxes and deductions based on gross income, tax rate, and other deductions. See net pay and breakdown.

Convert hourly wage into estimated after-tax annual and monthly salary based on hours per week, weeks per year, and an estimated tax rate.

Estimate how much tax you owe (or may be refunded) based on taxable income, estimated tax rate, and taxes already paid or withheld.

Estimate your tax refund (or amount owed) based on taxable income, effective tax rate, taxes withheld, and credits.

Calculate the upfront fee and immediate interest cost of a credit card cash advance.

Calculate the total cost of withdrawing cash using a credit card, including ATM fees and immediate interest charges.

Calculate the total fee and immediate interest cost when transferring money from a credit card to a bank account.

Calculate the total fee and immediate interest cost when transferring money from a credit card to a debit card or linked bank account.

Estimate the fee and immediate interest cost when adding money to Cash App using a credit card.

Estimate interest charges on a credit card cash withdrawal based on APR and the number of days you carry the balance.

Calculate how much interest accrues per day on a credit card cash advance based on APR and balance.

Calculate how much overdraft fees will cost you based on fee amount and how often your account is overdrawn.

Estimate how much NSF (Non-Sufficient Funds) fees will cost you based on fee amount and the number of declined/returned transactions.

Estimate how much ATM fees will cost you based on the fee per withdrawal and how often you use out-of-network ATMs.

Estimate the total cost of a wire transfer using a fixed fee, optional percentage fee, and an exchange rate markup (if applicable).

Estimate the total cost of an international money transfer using transfer fees, exchange rate markup, and the amount sent.

Estimate the total cost of an international wire transfer including fixed bank fees, percentage fees, and FX rate markups.

Estimate the total cost of a Western Union money transfer including transfer fees and exchange rate markup.

Estimate how much bank maintenance fees will cost you based on monthly fees and how long you keep the account open.

Estimate how much international ATM fees will cost you including foreign ATM fees and foreign transaction fees.

Calculate stop payment fees charged by banks when you request to stop a check or automatic payment.

Calculate estimated tax on investment income such as dividends, interest, and distributions to see your after-tax income.

Estimate your after-tax investment return by subtracting taxes and fees from your gross profit to see net profit and net return rate.

Calculate net investment return after fees and taxes to estimate net profit and net return percentage.

Estimate net investment income tax by calculating the taxable portion of investment income above a threshold and applying a tax rate.

Calculate after-tax return on investment (ROI) by accounting for taxes and fees to see your true net ROI.

Estimate capital gains tax quickly using a simplified method to get a rough after-tax profit estimate.

Estimate taxes on investment profits by entering capital gains, dividends/interest income, and applicable tax rates to see total tax and after-tax profit.

Calculate net profit from an investment by subtracting fees and taxes from your gross profit to see what you actually keep.

Calculate net investment income after taxes and fees from dividends, interest, and other investment income.

Calculate a loan prepayment penalty (early payoff fee) using either a percentage of the remaining balance or a fixed fee to estimate your total penalty cost.

Estimate escrow fees and monthly escrow payments (tax + insurance) for a home purchase or refinance.

Estimate total escrow-related costs at closing and your ongoing monthly escrow payment for tax and insurance.

Estimate escrow and closing costs (settlement, title, recording) and see an overall closing-cost estimate.

Estimate escrow fees at closing and split them between buyer and seller (buyer pays, seller pays, or custom split).

Estimate monthly escrow account payments (tax + insurance) and optionally include a servicing/escrow account fee.

Calculate your monthly escrow payment from annual property tax and homeowners insurance (and optional HOA).

Estimate monthly escrow payments from property tax and homeowners insurance, and compare monthly vs annual costs.

Convert an hourly wage into annual, monthly, weekly, and daily salary estimates based on your work schedule.

Convert an annual salary into an hourly wage based on hours worked per week and weeks worked per year.

Convert an annual salary into monthly, weekly, and daily salary estimates. Optionally include bonus to estimate total compensation.

Compare gross salary vs net (take-home) pay by accounting for taxes and common deductions, and see monthly/biweekly/weekly breakdowns.

Calculate your net (take-home) salary after applying an effective tax rate and deductions, with monthly/biweekly/weekly breakdowns.

Estimate your after-tax salary using an effective tax rate, with annual/monthly/biweekly/weekly breakdowns.

Estimate your paycheck amount after taxes and deductions, with support for common pay frequencies.

Convert an annual salary into an estimated paycheck amount based on pay frequency, tax rate, and deductions.

Calculate your monthly take-home pay after taxes and deductions based on your salary or paycheck.

Estimate salary after deductions (retirement, insurance, other), and optionally apply an effective tax rate to get take-home pay.

Estimate salary taxes using an effective tax rate and see how much tax you pay per year and per paycheck.

Estimate your semi-monthly paycheck (24 paychecks per year) after taxes and deductions.

Estimate your after-tax bonus using a withholding tax rate, and see take-home bonus amounts.

Compare long-term and short-term capital gains tax to understand how holding period impacts your investment taxes and after-tax profit.

Estimate capital gains tax differences based on holding period and compare short-term vs long-term outcomes to plan a tax-efficient sell date.

Estimate your after-tax dividend yield and take-home dividend income by applying a dividend tax rate to your dividend yield.

Compare estimated taxes on qualified vs ordinary dividends and see the difference in take-home dividend income using two tax rates.

Estimate investment tax drag and see how taxes reduce your pre-tax return to an after-tax return over a year.

Estimate your effective tax rate on investment income by combining taxes from dividends and capital gains, and see after-tax investment income.

Compare taxable vs tax-advantaged investing by estimating taxes, after-tax returns, and how much more you may keep in a tax-advantaged account.

Compare before-tax vs after-tax investment returns to estimate how taxes reduce your return and take-home profit.

Estimate potential tax savings from tax-loss harvesting by entering realized gains, harvested losses, and your capital gains tax rate.

Estimate take-home dividend income after taxes. Calculate monthly and annual after-tax dividend income using dividend yield, investment amount, and dividend tax rate.

Estimate the long-term impact of dividend reinvestment (DRIP). See how reinvesting dividends compounds your investment value and dividend income over time.

Calculate the ex-dividend date from a record date using common market conventions (T+1 or legacy T+2). Also estimate the last day to buy to receive the dividend.

Calculate dividend yield using annual dividends and current share price, or estimate yield from dividend per share and price per share. Pre-tax dividend yield for quick comparison.

Calculate dividend per share (DPS) using total dividends paid and shares outstanding. Useful for analyzing dividend-paying stocks and ETFs.

Estimate how much you will save for retirement based on current savings, annual contributions, return rate, and years to retirement.

Estimate retirement income from your portfolio using a withdrawal rate. See annual and monthly retirement income based on your retirement savings.

Estimate how much retirement savings you need based on your planned retirement spending and a withdrawal rate. Compare required savings vs your current portfolio.

Estimate how many years until you can retire early based on your current savings, annual contributions, expected return, and target spending using a withdrawal rate.

Estimate your FIRE number and how many years it may take to reach financial independence based on income, expenses, savings rate, return rate, and a withdrawal rate.

Estimate how your 401(k) balance could grow based on current balance, annual contributions, employer match (optional), return rate, and years until retirement.

An all-in-one retirement calculator hub: estimate your target nest egg, income, and timeline — then jump to detailed retirement tools for savings, income, spending, FIRE, and 401(k).

Calculate your 401(k) contribution amount based on salary and contribution percent, and estimate paycheck contributions. Compare to an annual contribution limit target.

Compare Roth 401(k) vs Traditional 401(k) outcomes using tax rates now vs in retirement, and estimate after-tax retirement value.

Estimate SEP IRA contributions and project retirement balance growth. Useful for self-employed and small business owners planning retirement savings.

Estimate SIMPLE IRA employee contributions and project retirement balance growth over time using an expected annual return.

Estimate your annual out-of-pocket cost and total annual cost based on premium, deductible, coinsurance, and expected covered expenses.

Compare high-deductible and low-deductible insurance plans by estimating total annual cost based on premiums, deductibles, coinsurance, and expected expenses.

Compare Basic vs Standard vs Full coverage plans by estimating total annual cost from premiums, deductibles, coinsurance, and expected covered expenses.

Compare monthly payment vs annual payment for insurance premiums, including discounts, fees, and total yearly cost difference.

Estimate how much a premium increase costs over time by comparing your current premium vs a higher premium across months or years.

Estimate your real annual health insurance cost, including premiums, deductible, coinsurance, and out-of-pocket max.

Estimate a family's annual health insurance cost based on premiums, deductible, out-of-pocket max, coinsurance, and expected medical expenses for each member.

Compare copay vs coinsurance to estimate what you’ll pay for a medical service under different health insurance cost-sharing rules.

Estimate your net annual cost for an HSA-compatible (HDHP) health insurance plan, including premiums, out-of-pocket, HSA contributions, and tax savings.

Compare two auto insurance coverage options by estimating annual premiums, expected out-of-pocket costs, and total expected annual cost.

Compare collision vs comprehensive coverage by estimating annual premiums, expected deductible payments, and total expected annual cost for each option.

Estimate a recommended home insurance dwelling coverage limit based on rebuild cost, square footage, cost per square foot, upgrades, and optional buffers.

Compare the estimated cost of using insurance vs paying self-pay (cash price) for a medical service, considering deductible, copay/coinsurance, and remaining out-of-pocket max.

Estimate whether filing an insurance claim is worth it by comparing expected payout vs deductible and potential premium increase over time.

Estimate whether an insurance plan is worth it by comparing expected annual costs with and without insurance based on premiums, risk, and potential losses.

Estimate how insurance premiums may change by age using a simple growth model and compare projected costs across age ranges.

Estimate how insurance costs change based on usage (e.g., driving mileage, trip frequency, or usage intensity) using a simple risk multiplier model.

Compare travel insurance cost vs your expected travel risk cost using a simple probability and expected-loss model.

Estimate the cost of temporary insurance (short-term coverage) based on duration, base rate, and optional risk adjustments.

Compare short-term insurance vs annual insurance by estimating total cost over your coverage period and finding the break-even point.

Estimate your total medical bill cost by calculating base medical services and additional fees to understand how much you may need to pay.

Estimate how much you might pay for a medical bill without insurance by combining base visit cost and additional fees.

Estimate your self-pay medical cost by calculating a base visit price, additional fees, and an optional upfront payment discount.

Estimate your out-of-pocket medical expense by combining provider charges with your payment responsibility (copay/coinsurance) and any deductible you expect to pay.

Compare estimated costs for a hospital visit vs a clinic visit by entering base costs and additional fees to see which option may be cheaper.

Compare emergency room vs urgent care costs by estimating base visit charges and additional fees to see which option may be cheaper.

Compare urgent care vs clinic visit costs by estimating base charges and additional fees to see which option may be cheaper.

Compare ER copay vs coinsurance by estimating your out-of-pocket cost under each option to see which may be cheaper.

Estimate the cost of a medical procedure by combining the base procedure price with additional hospital or provider fees.

Estimate out-of-network medical costs by calculating how much you may need to pay after insurance coverage limits.

Estimate how much you could save by negotiating your medical bill or receiving a discount.

Estimate the total cost of a medical bill payment plan by calculating monthly payments and any interest or fees.

Estimate the total annual cost of a high-deductible health plan (HDHP) by combining premiums and expected out-of-pocket spending up to the deductible.

Estimate how much of your medical expenses may be tax-deductible based on your AGI and the deduction threshold percentage.

Compare prescription drug costs between two options (e.g., brand vs generic or pharmacy A vs pharmacy B) to see which is cheaper.

Estimate the cost of an ambulance ride by calculating base fees and per-mile charges to understand potential emergency medical expenses.

Estimate the cost of an emergency room visit without insurance by combining facility fees, physician charges, and additional services.

Estimate the total cost of medical debt by calculating interest over time based on balance, APR, and repayment period.

Compare paying off medical debt directly versus transferring it to a credit card by estimating total interest and payments for each option.

Estimate expected savings from negotiating a medical bill by factoring in your discount rate and the chance of successful negotiation.

Calculate how many shares to buy for a penny stock based on your account size, risk per trade, and stop-loss percentage.

Calculate your new average cost and break-even price when averaging down on a penny stock position.

Estimate how a reverse stock split changes your share count, price per share, and cost basis per share for a penny stock position.

Estimate dilution impact by comparing market cap and your ownership percentage before and after new shares are issued.

Calculate penny stock market cap using share price and shares outstanding, and estimate market cap at a target price.

Calculate how long it takes to break even when you pay discount points to get a lower mortgage interest rate.

Estimate how a mortgage interest rate increase or decrease changes your monthly payment and total interest.

Compare locking your mortgage rate now vs waiting (floating) based on expected rate changes and time to closing.

Calculate how temporary mortgage rate buydowns (2-1 or 1-0) affect your monthly payment and total cost.

Estimate how an adjustable-rate mortgage (ARM) rate reset changes your monthly payment, including caps and adjustment size.

Compare fixed-rate and adjustable-rate mortgages (ARM) to see how rate structure differences affect monthly payments and interest.

Estimate how much you could save by refinancing to a lower interest rate based on payment difference and time horizon (rate-only view).

Estimate how a 0.25% interest rate change affects your monthly mortgage payment and total interest.

Estimate your effective interest rate after lender fees by converting upfront fees into an equivalent rate increase over your time horizon.

Understand the difference between interest rate and APR by seeing how fees increase the effective borrowing cost.

Estimate how much money you lose due to hidden exchange rate markups compared to the mid-market rate.

Calculate the exchange rate spread between the mid-market rate and the rate you’re offered, and estimate the hidden cost impact.

Compare a bank’s offered exchange rate to the mid-market rate and estimate the hidden cost of exchanging money at the bank.

Calculate the exchange rate markup (%) compared to the mid-market rate and estimate the hidden cost for your exchange amount.

Calculate the real monetary loss caused by an unfavorable exchange rate compared to the mid-market rate.

Calculate your effective exchange rate after including a flat fee or percentage fee charged by a bank or service.

Estimate the total cost of exchanging currency by combining exchange rate markup losses and explicit fees.

Estimate the effective exchange rate for international money transfers after including transfer fees and exchange rate markups.

Compare the all-in cost of getting foreign currency via cash exchange vs card payments using exchange rates and fees.

Estimate how exchange rate fluctuations impact your total cost or value under different volatility scenarios.

Convert an amount from one currency to another using a given exchange rate. Enter the rate and amount to calculate the converted value instantly.

Estimate the true cost of a cross-border payment using an exchange rate plus a provider markup and optional fixed fee. Compare offered vs market rate outcomes.

Compare two possible exchange rates (now vs later) to estimate how much you could gain or lose by waiting. Use scenario rates to decide timing.

Estimate your overtime pay (time-and-a-half and double time) and see total weekly pay and effective hourly rate.

Convert your base hourly rate into an overtime rate (1.5x, 2x, or custom) and see the per-hour premium.

Estimate overtime pay for a salaried worker by converting salary to an hourly equivalent and comparing exempt vs non-exempt scenarios.

Estimate how much PTO you’ll accrue over time based on your accrual rate and pay period (weekly, biweekly, semimonthly, or monthly).

Estimate the hourly rate you should charge as a contractor or freelancer based on your target annual income, billable hours, expenses, and taxes.

Convert your PTO policy into an annual PTO rate by estimating PTO hours per year and PTO days per year from your per-period accrual.

Calculate your gross pay from hours worked and hourly rate. Great for estimating weekly or pay-period earnings before taxes and deductions.

Compare international money transfer options using fees and FX markup to estimate total cost and find the cheapest method.

Compare popular money transfer providers using fees and FX markup to estimate total cost and find the cheapest service for your amount.

Estimate the total (all-in) cost of a wire transfer including bank fee, intermediary fees, FX markup, and recipient bank charges.

Estimate bank transfer charges using fixed fees, percentage fees, and optional FX markup to calculate total cost and effective fee rate.

Calculate money transfer charges using fixed + percentage fees with optional minimum/maximum caps and discounts to estimate final provider charges.

Estimate Western Union charges using fixed and percentage fees, with optional minimum/maximum caps and discounts to match real pricing scenarios.

Estimate Western Union exchange rate markup by comparing the offered rate to the mid-market rate and calculating the hidden FX cost.

Estimate MoneyGram charges using fixed and percentage fees, with optional minimum/maximum caps and discounts to match real pricing scenarios.

Estimate Ria exchange rate markup by comparing the offered rate to the mid-market rate and calculating the hidden FX cost.

Calculate how much the recipient will actually receive after transfer fees and exchange rate conversion.

Compare wire transfers vs online money transfer services to estimate total cost and choose the better option.

Estimate Xoom exchange rate markup by comparing the rate you get vs the mid-market rate and calculating the hidden FX cost.

Estimate the cost of a money transfer mistake, including extra fees and exchange rate loss when you must cancel, reverse, or resend.

Estimate how much value you lose when a refund is delayed using an annual interest or opportunity rate.

Estimate whether claiming a refund is worth it after fees, time cost, and approval probability.

Estimate the total cost of a refund mistake, including fees, delays, interest loss, and reprocessing costs.

Estimate the financial impact if your refund is denied, including fees, time cost, and expected loss based on approval probability.

Estimate your total loss when a refund is rejected, including lost refund amount, fees, shipping, and time cost.

Estimate the total cost of cancelling a refund request, including cancellation fees, non-refundable charges, shipping costs, and time cost.

Calculate how much refund fees (restocking or processing fees) reduce the final amount you receive.

Estimate when your refund will arrive based on the refund method, processing time, and bank posting delay.

Compare a cash refund vs store credit to see which option is worth more after fees, delays, and bonus credit.

Calculate a partial refund amount based on refund percentage, item quantity, damaged portion, or fixed deductions.

Estimate total climate finance needed and basic payback metrics from project cost, timeframe, and expected annual financial impact.

Estimate the total cost of TCFD reporting based on company size, reporting scope, internal resources, and external consulting needs.

Estimate the total cost of carbon disclosure reporting based on reporting scope, data coverage, internal effort, and external vendor or consulting fees.

Estimate ROI for climate impact investments using initial investment, annual cashflow impact, holding period, and exit value assumptions.

Estimate the potential annual financial impact of climate risk using revenue exposure, probability of disruption, and expected loss severity.

Estimate the annual financial cost impact of climate change using exposed cost base, impact probability, and expected cost increase severity.

Estimate the total annual cost of climate disclosure non-compliance, including regulatory fines, financing impact, and reputational risk.

Estimate when a climate project breaks even by comparing upfront and ongoing costs against annual savings and financial benefits.

Estimate the total cost of an oil change based on oil type, oil quantity, labor, and optional shop fees.

Estimate your oil change total at Jiffy Lube by selecting oil type, adding common service options, and adjusting for local pricing.

Estimate the total cost of an oil change at Firestone based on oil type, service package, optional add-ons, and local pricing differences.

Estimate the total cost of a transmission fluid change based on transmission type, fluid capacity, fluid price, labor, and optional service add-ons.

Estimate your monthly heating oil cost using price per gallon, average daily usage, and the number of heating days in a month.

Estimate home heating oil cost using home size, insulation level, local heating intensity, furnace efficiency, and oil price per gallon.

Estimate how changes in heating oil price per gallon affect your monthly heating bill based on your expected monthly usage.

Compare heating oil prebuy plans vs pay-as-you-go pricing by estimating total seasonal cost under each option, including price assumptions and optional fees.

Estimate your monthly heating oil bill from price per gallon, usage, tax, and delivery fees.

Estimate your total heating oil cost for the winter season based on price per gallon, usage, delivery fees, and tax.

Calculate total oil cost from price per barrel and quantity (barrels). Optionally convert to gallons and estimate cost per gallon.

Estimate total crude oil cost using WTI or Brent price per barrel, quantity (barrels), and an optional barrels-to-gallons conversion.

Calculate the percentage change in oil price between two values (e.g., yesterday vs today) and see the absolute difference.

Calculate the percentage change in crude oil price between two values and see the absolute difference (WTI/Brent friendly).

Estimate how a change in oil price impacts your monthly and annual budget based on your usage volume.

Calculate the price spread between WTI and Brent (absolute and percent) and see which benchmark is trading higher.

Estimate how the WTI–Brent spread impacts total cost for a given volume (barrels), and see the cost difference if you price using WTI vs Brent.

Compare WTI vs Brent for price, spread, percent difference, and total cost for a chosen volume (barrels).

Convert between barrels and gallons using a configurable conversion factor (default: 42 US gallons per barrel).

Estimate heating oil consumption for a winter season using home size, insulation level, climate severity, and heating days.

Plan heating oil delivery timing based on tank size, current fill level, daily usage estimate, and a safety buffer.

Estimate profit/loss for an oil futures position using entry price, exit price, number of contracts, and contract size (barrels per contract).

Estimate margin requirement, notional exposure, leverage, and risk per move for an oil futures position using contracts, contract size, price, and margin rate.

Estimate how many oil futures contracts you can trade based on account size, risk per trade, stop distance ($/barrel), and contract size (barrels per contract).

Estimate how many oil futures contracts you need to hedge a physical exposure, based on volume (barrels) and contract size.

Estimate refinery margin using a simple crack spread model (e.g., 3-2-1) with crude input and refined product prices.

Estimate how changes in oil price affect your costs or revenue using volume exposure (barrels), price change, and optional pass-through rate.

Estimate your next engine oil change due date and due mileage based on last change date/mileage, current mileage, and your target interval (miles and/or months).

Estimate monthly payment, total payment, and total interest for a farm loan based on amount, APR, and term.

Calculate monthly payments, total repayment, and interest cost for agricultural loans based on loan amount, APR, and term.

Calculate monthly payments and total interest for an ag loan using loan amount, interest rate, and repayment term.

Estimate monthly payment, total payment, and total interest for a USDA farm loan using loan amount, APR, and term.

Estimate monthly payment, total payment, and total interest for a Farm Service Agency (FSA) loan using loan amount, APR, and term.

Estimate monthly payment, total payment, and total interest for a USDA land loan using loan amount, APR, and term.

Estimate monthly payment, total payment, and total interest for a USDA agricultural loan using loan amount, APR, and term.

Estimate monthly payment, total payment, and total interest for a farm equipment loan using loan amount, APR, and term.

Estimate monthly payment, total payment, and total interest for a tractor loan using loan amount, APR, and term.

Estimate monthly payment, total payment, and total interest for a combine harvester loan using loan amount, APR, and term.

Calculate a detailed amortization schedule for a farm loan, including monthly payment breakdown, total interest, and remaining balance over time.

Estimate total interest cost for a farm loan and compare how interest changes with different rates and terms.

Quickly estimate your monthly farm loan payment using loan amount, APR, and term. Includes a what-if payment range for nearby rates.

Compare two farm loan interest rates side-by-side to see differences in monthly payment, total interest, and total repayment cost.

Estimate total interest cost and monthly payment for a USDA farm loan using loan amount, APR, and term. Includes a quick rate sensitivity table.

Quickly estimate monthly payments for a USDA farm loan using loan amount, APR, and term. Includes a rate sensitivity range for nearby APR values.

Generate a USDA farm loan amortization schedule with monthly payment breakdown, total interest, and remaining balance over time.

Calculate monthly payments for a farm land loan using loan amount, APR, and term. Includes a quick rate sensitivity table to compare nearby APR values.

Create a farmland loan amortization schedule showing monthly payment breakdown, interest vs principal, and remaining balance over time.

Estimate total farm operating costs including labor, fuel, seed, fertilizer, equipment maintenance, and overhead to understand true annual farming expenses.

Calculate monthly payments, total interest, and loan cost for agricultural land purchases based on loan amount, interest rate, and term.

Estimate monthly payment, total interest, and total cost for a rural land loan based on loan amount, APR, and term.

Estimate farm mortgage monthly payment with optional down payment, PMI, property tax, and insurance. Shows principal & interest and an all-in monthly estimate.

Calculate total interest paid and total loan cost for a farm land loan based on loan amount, APR, and term. Includes interest share of total payments.

Calculate monthly payments, total interest, and total cost for an agricultural equipment loan based on loan amount, APR, and term.

Estimate monthly payment, total interest, and total cost for a farm machinery loan. Includes optional down payment to calculate the financed amount.

Estimate monthly payment and total financing cost for agricultural equipment. Includes optional down payment and upfront fees to calculate financed amount and effective cost.

Estimate monthly payment and total financing cost for farm equipment. Includes optional down payment, trade-in value, and upfront fees for an all-in view.

Calculate total interest paid and total loan cost for a farm equipment loan based on loan amount, APR, and term. Includes interest share and APR sensitivity.

Calculate total interest paid and total loan cost for an agricultural equipment loan based on loan amount, APR, and term. Includes interest share and APR sensitivity.

Estimate farm cash flow by summing income sources and subtracting operating expenses, debt payments, and capital spending. Includes net cash flow, margin, and DSCR-style coverage.

Calculate farm working capital (current assets minus current liabilities) and key liquidity ratios like current ratio and working capital per acre/head to assess short-term financial health.

Calculate farm debt-to-income (DTI) ratio using annual debt payments and farm income. Includes operating vs long-term debt split and a quick coverage view to assess borrowing capacity.

Decide whether buying farmland makes financial sense by estimating annual net income, appreciation, total return, payback period, and comparing against an alternative investment return.

Estimate whether you can afford a farmland mortgage based on income, expenses, down payment, interest rate, and term. Shows payment, DTI-style ratios, and a coverage view with stress tests.

Calculate farm equipment loan payments, total interest, payoff timeline, and compare scenarios (rate/term/down payment). Includes a quick affordability view using estimated monthly cash flow.

Calculate monthly payments for a rural land loan using loan amount, interest rate, and term. Includes total interest, total paid, and quick affordability signals.

Compare leasing vs buying farm equipment using monthly payments, total cost, ownership value, and break-even points. Includes residual value, maintenance, tax assumptions, and sensitivity checks.

Compare leasing agricultural equipment versus financing with a loan. Estimate effective monthly cost, total out-of-pocket cost, and break-even usage horizon including residual value and remaining loan balance.

Compare leasing versus buying a tractor using effective monthly cost, total out-of-pocket, resale value, remaining loan balance, and break-even usage horizon.

Convert equipment lease payments into an equivalent APR to compare leasing versus loan financing on an apples-to-apples basis.

Calculate the minimum crop yield needed to break even based on total costs and expected crop price.

Calculate the minimum crop price per unit needed to break even based on costs and expected yield.

Stress test a farm loan by simulating interest-rate increases and cash-flow drops to see how payments and DSCR change.

Estimate farm debt risk using key ratios like debt-to-asset, debt-to-income, and DSCR to flag financial stress.

Estimate how a rate increase changes monthly payment, annual debt service, and total interest for a farm loan.

Estimate how a crop price drop affects revenue, profit, and break-even cushion based on yield and costs.

Estimate how farm subsidies change net income, break-even price, and cash-flow buffer under different scenarios.

Compare the cash impact of receiving a USDA subsidy versus financing the same amount with a loan (payments, interest, and net benefit).

Estimate whether farming is profitable by comparing total revenue vs total costs, then calculating net profit and profit margin.

Calculate farm profitability using yield, price, variable costs, fixed costs, and optional land/equipment rent to estimate net profit and profit margin.

Calculate how a raw material price increase affects total costs, profit, and profit margin based on material usage and current pricing.

Estimate how overall input cost inflation changes total costs, profit, and margin using your current cost structure.

Estimate how an increase in material costs changes profit, profit margin, and required price pass-through to maintain margin.

Estimate how a commodity price change affects unit margin and annual profit based on your usage per unit and production volume.

Estimate how a production cost increase affects unit cost, unit margin, and annual profit based on your current unit economics and annual volume.

Calculate how a material cost overrun impacts total project cost, profit, and required price adjustment to maintain the target margin.

Estimate how a change in material costs shifts your break-even volume and break-even revenue using fixed costs, selling price, and unit costs.

Estimate how a supplier price increase changes your unit cost and annual purchasing spend based on usage per unit, production volume, and supplier share.

Estimate the expected cost vs benefit of hedging a commodity price risk using hedge ratio, price scenarios, and a hedging premium or fee.

Estimate whether stockpiling inventory before a price increase saves money after accounting for carrying costs like storage, insurance, and cost of capital.

Compare bulk purchase discounts against inventory holding costs to estimate net savings and the break-even holding period.

Estimate how an increase in operating costs impacts EBITDA, DSCR, and loan covenant risk under different cost shock scenarios.

Calculate the maximum input cost increase a business can absorb before profit falls to zero.

Calculate the break-even selling price needed to offset cost inflation and keep profit at zero (no loss).

Estimate how many additional units you must produce or sell to break even after a unit cost increase (assuming selling price stays the same).

Estimate margin and profit impact when supplier costs rise and you pass through part of the increase to customers via price changes.

Estimate contract price changes over time using escalation rates with optional caps and floors for supplier agreements.

Estimate profit or loss for a fixed-price contract when unit costs increase, including break-even cost shock thresholds.

Calculate contribution margin and operating profit impact from a variable cost increase, including break-even units before and after the shock.

Estimate how gross margin ($ and %) compresses after changes in selling price and unit cost, with before vs after comparison.

Calculate the price increase required to maintain a target gross margin after unit costs increase.

Compare how fixed-cost-heavy and variable-cost-heavy structures respond to revenue or cost shocks, and identify which cost structure is more exposed.

Calculate how much sales volume can drop after a price increase while keeping total gross profit (or contribution profit) the same.

Calculate how much sales volume must increase to offset higher input costs and maintain the same total profit when prices cannot be raised.

Calculate the required price increase to keep the same total profit after unit costs rise, assuming sales volume stays constant.

Estimate how higher unit costs increase inventory value and working capital needs, with optional AR/AP terms for net working capital impact.

Estimate how higher input costs increase the cash flow gap by widening the cash conversion cycle (inventory, AR, AP).

Estimate how inventory cost inflation increases annual inventory carrying costs (capital, storage, insurance, shrink).

Estimate how a cost shock reduces EBIT and worsens the interest coverage ratio (ICR = EBIT / interest expense).

Estimate whether a cost shock could trigger a loan covenant breach by reducing EBITDA and worsening Net Debt / EBITDA leverage.

Estimate how a cost shock compresses EBITDA and EBITDA margin by increasing COGS or total operating costs.

Estimate how much you save annually by negotiating a lower supplier price increase versus the proposed increase.

Calculate online payment fees and see how much you pay in processing costs and how much the recipient receives after fees.

Estimate total online payment processing costs based on your monthly volume, average transaction size, fee rate, and fixed fees per transaction.

Calculate payment gateway fees based on transaction amount, fee percentage, and fixed fees to see total costs and net proceeds.

Compare fees across different payment methods such as credit cards, debit cards, bank transfers, and digital wallets to find the most cost-effective option.

Calculate how payment processing fees affect your gross profit and net profit based on revenue, margin, and fee structure.

Calculate the break-even revenue or transaction volume required to offset payment processing fees based on margin and fee structure.

Calculate your effective payment fee rate based on percentage fees, fixed fees per transaction, and average transaction size.

Stress test how changes in payment processing fees affect profit under different scenarios such as fee increases or transaction size changes.

Compare absorbing payment processing fees versus increasing prices to offset fees and see the impact on revenue and profit.

Compare online payment processing fees across providers to find the most cost-effective option for your business.

Estimate your total monthly payment processing fees based on monthly revenue, transaction count, and fee structure.

Compare credit card and ACH payment fees to determine the most cost-effective option for your transaction volume.

Compare fixed fees versus percentage fees to find the break-even transaction amount where one fee structure becomes cheaper than the other.

Estimate international online payment fees including processing fees, cross-border fees, and currency conversion (FX) fees.

Estimate payment processing costs for high-volume businesses and see how average transaction size affects total fees and effective rates.

Find the break-even transaction amount (or volume) where switching from one payment fee plan to another becomes cheaper.

Estimate whether online payment processing is worth it by comparing added revenue from higher conversion to total processing and operational costs.

See how payment processing fees reduce your profit margin based on revenue, gross margin, and fee structure.

Estimate switching costs when changing payment providers and calculate how long it takes to recover those costs from monthly fee savings.

Stress test your payment processing costs under fee increases, higher refund rates, and changes in transaction volume to see profit impact.