All 38 calculators
Every one runs in your browser and hands you an Excel file that does the same math with real formulas. Pick a topic below, or type what you’re trying to figure out.
38 calculators
Loans & Debt
Loan Amortization
Your payment, the total interest, and every single payment split into interest and principal — plus a live Excel schedule you can poke at.
Open calculatorExtra Payments
What happens if you throw a little extra at the loan every month, once a year, or whenever you get a windfall — the interest you skip and how much sooner you're done.
Open calculatorRemaining Balance
How much you still owe after a given number of payments (or as of any date), how much principal and interest you've paid so far, and how many payments are left.
Open calculatorBalloon Loan
Payments sized like a long loan, but the rest comes due early in one big check. See the payment, the balloon, the date it lands, and the interest along the way.
Open calculatorLoan Payoff
Start from what you owe today and what you pay: when the loan's actually gone, how much interest is left, and what an extra payment would change.
Open calculatorRefinance Comparison
Your loan vs. the refinance offer: the new payment, when the closing costs actually pay for themselves, and whether you come out ahead in the time you'll really keep the loan.
Open calculatorLoan Recast
Pay down a chunk of the loan and have the lender re-figure your payment. See the new payment, the interest you save, and how it stacks up against just prepaying without the recast.
Open calculatorLoan Fee Amortization
Spread the fees you paid to get a loan over its life the way GAAP wants (as extra interest), see what's left on the books at any date, and what gets written off if you pay it off early.
Open calculatorEffective Interest Rate
When a note is issued at a discount, a premium, or with costs, the stated rate isn't what it really costs. This finds the real rate and builds the effective-interest schedule and entries.
Open calculatorBusiness Debt Schedule
All your business loans in one place: debt service by month and year, what's current vs. long-term on the balance sheet, the maturity ladder, and the weighted-average rate.
Open calculatorEquipment Lease
Lease or buy? This builds the lease liability and right-of-use asset the way ASC 842 wants, tells you whether it's a finance or operating lease, and compares the lease with paying cash.
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Assets & Depreciation
Straight-Line Depreciation
Book depreciation the simple way: cost minus salvage, spread evenly over the useful life, starting the month it goes into service — by fiscal year, with the journal entries.
Open calculatorAsset Disposal
Sold, scrapped, or junked an asset? Figure the book value, the gain or loss, and the journal entry that takes it off the books — balanced, every time.
Open calculatorMACRS Depreciation
Tax depreciation straight from the IRS tables: every property class, half-year or mid-quarter, rental and commercial buildings by month, with §179, bonus, business use, and the year you sell.
Open calculatorAsset Book Value
A mini fixed-asset register: list your assets and the period, and get the cost and accumulated depreciation rollforward, book value by asset, and the entries for depreciation, disposals, and write-downs.
Open calculatorPrepaid Expense
Paid for a year of insurance (or software, or rent) up front? Spread it over the months you actually use it, see the balance on any date, split current from long-term, and get the entries.
Open calculatorCapitalized Cost
Bought equipment and the invoice has ten other charges on it? Sort what goes into the asset from what's an expense, a prepaid, or a loan cost — with the removal obligation at present value and the entry to book.
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Business & Pricing
Break-Even Point
How many units you have to sell before you stop losing money — plus your margin of safety, what it takes to hit a profit goal, and profit at different sales levels.
Open calculatorMarkup and Margin
Markup and margin aren't the same number — and mixing them up is how prices end up too low. Check a price, or find the price for the markup or margin you want, and see what a discount really costs you.
Open calculatorWorking Capital
Can you pay the bills coming due this year? Working capital and the current, quick, and cash ratios from your balance sheet — plus how long cash is tied up between paying suppliers and getting paid.
Open calculatorContribution Margin
What each sale really leaves you after its own costs, laid out as a contribution income statement — and which lever moves profit most: price, volume, or cost.
Open calculatorProject Profitability
Is this job actually making money? Budget vs. actual by cost category, a forecast at completion, over- and under-billing, and what it would take to hit your target margin.
Open calculatorEmployee True Cost
What an employee really costs you: pay, employer payroll taxes (with the real wage bases), benefits, and overhead — per year, per month, and per productive hour, plus the extra first-year hiring costs.
Open calculatorHourly Billing Rate
The hourly rate you need to charge to pay yourself, cover your expenses, and make a profit — once you account for the hours you can't bill and the invoices that don't get paid in full.
Open calculatorBusiness Valuation
A ballpark value for a small business using market multiples — SDE, adjusted EBITDA, or revenue — with the add-backs shown line by line, a low-to-high range, and what it means for the owner after debt.
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Taxes
Estimated Tax Safe Harbor
The least you can pay in estimated taxes and still owe no underpayment penalty — which rule you're under, what's left after withholding, and what to send each quarter.
Open calculatorQuarterly Estimated Tax
Check your estimated payments quarter by quarter, the way Form 2210 does: what was due by each date, where you came up short, and what it takes to catch up.
Open calculatorSelf-Employment Tax
The Social Security and Medicare tax you pay as your own boss, figured line by line like Schedule SE — including a W-2 job's effect on the wage base, the Additional Medicare Tax, and how much to set aside.
Open calculatorSection 179
How much of a new asset you can write off this year under Section 179 — the dollar limit, the phase-out, the business income limit, the carryforward, and the basis that's left for bonus depreciation and MACRS.
Open calculatorDepreciation Recapture
Sold equipment or a building you depreciated? Split the gain the way Form 4797 does — recapture taxed as ordinary income, unrecaptured §1250 gain at up to 25%, and the rest as Section 1231 gain or loss.
Open calculatorInstallment Sale
Selling property and letting the buyer pay over time? Spread the gain over the years you're paid, the way Form 6252 does — with recapture up front, the interest, and a year-by-year schedule.
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Work & Pay
Salary to Hourly
Turn a salary into an hourly rate (or the other way around) — plus what you really make per hour worked once time off and overtime are counted, and what each paycheck comes to.
Open calculatorSalary to Contractor Rate
Leaving a salaried job to contract? The hourly rate that actually replaces your salary, benefits, and the payroll tax your employer used to pay — with unpaid time off and unbilled hours counted.
Open calculatorOvertime Pay
Overtime pay for one workweek, figured the way the FLSA requires — including how a bonus raises the regular rate, which most people (and some payroll systems) get wrong.
Open calculatorShift Differential
Pay for a week split across day, evening, and night shifts — with the differentials, and overtime figured on the blended regular rate the way federal law requires.
Open calculatorRetroactive Pay
Back pay when a raise or a pay correction reaches back to earlier paychecks — hourly or salaried, overtime included, with a rough take-home estimate and the journal entry.
Open calculatorPTO Payout
What your unused paid time off is worth in cash — hourly or salaried, hours or days, under your employer's payout policy — with a rough take-home after withholding.
Open calculatorJob Offer Comparison
Two to four jobs side by side — pay, benefits, equity, time off, and the cost of getting to work — every year, in year one, and per hour you'd actually work.
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