The calculator library

Money, work & business calculators

162 tools with formulas, examples and clear assumptions. Choose a topic or search for the result you need.

Savings Goal Calculator: Regular Contributions

Calculate the regular amount needed to reach a savings target from your starting balance, chosen return, deadline and contribution schedule.

Open calculator Saving & investing

Stock Beta Calculator from Paired Returns

Estimate a stock's historical beta from matching asset and benchmark returns, with dates aligned and no automatic market-price download.

Open calculator Saving & investing

Minimum Variance Portfolio Calculator

Find long-only minimum-variance weights for 2–8 assets using your covariance matrix, with checks for symmetry and positive semidefiniteness.

Open calculator Saving & investing

Investment Scenario Comparison Calculator

Compare two investment projections with identical contributions and timing, separate returns and fees, and inflation-adjusted final balances.

Open calculator Saving & investing

CAGR Calculator: Compound Annual Growth Rate

Calculate annualised growth between starting and ending values over a chosen period, for an investment with no intermediate deposits or withdrawals.

Open calculator Saving & investing

Dividend Reinvestment Calculator

Project shares and distributions with a constant dividend per payment, separate share-price growth, optional reinvestment and entered withholding.

Open calculator Saving & investing

Bond Coupon Payment and Rate Calculator

Calculate annual and per-payment coupon interest from a bond's face value and coupon rate, or infer its coupon rate from annual interest.

Open calculator Saving & investing

Macaulay Duration Calculator for Fixed-Rate Bonds

Calculate Macaulay duration for a regular fixed-rate bond using settlement dates, coupon timing and a supplied yield under the selected convention.

Open calculator Saving & investing

Interest Rate Converter: Nominal, AER and APY

Convert nominal, effective annual and continuous rates, with explicit compounding frequency and an illustration of interest for one period.

Open calculator Saving & investing

Efficient Frontier Calculator for Long-Only Portfolios

Build an upper efficient frontier for 2–8 assets from your annual expected returns and covariance matrix, without short selling or market feeds.

Open calculator Saving & investing

Stock and Crypto Trade Profit Calculator

Calculate profit or loss on a cash share or crypto trade using your purchase and sale prices, units, fees and cash distributions received.

Open calculator Saving & investing

Passive Income and Capital Target Calculator

Estimate annual cash income from assets and costs, or find the capital needed for a stated income target using an assumed cash yield.

Open calculator Saving & investing

Simple Interest Calculator with Dates or Duration

Calculate non-compounding interest using years, months or dates and a selected Actual/365, Actual/360 or European 30E/360 day-count basis.

Open calculator Saving & investing

Leveraged Position Margin and Profit Calculator

Estimate initial margin and profit or loss for a linear long or short position using known prices, contract size, leverage, fees and funding.

Open calculator Saving & investing

Portfolio Rebalancing Trade Calculator

Calculate purchases and sales needed to reach your chosen portfolio weights after a cash addition or withdrawal and a reserve for dealing costs.

Open calculator Saving & investing

Average Share Purchase Price Calculator

Calculate a quantity-weighted average purchase price including purchase fees across multiple buys of one asset, using consistent units and prices.

Open calculator Saving & investing

Bond Price Calculator: Clean and Dirty Prices

Estimate clean and dirty prices for a regular fixed-rate bond from its coupons, dates and supplied yield, with accrued coupon shown separately.

Open calculator Saving & investing

Black–Scholes European Option Calculator

Estimate theoretical European call and put values from spot price, strike, time, volatility and continuously compounded interest and dividend rates.

Open calculator Saving & investing

Compound Interest and Savings Growth Calculator

Project savings growth with regular contributions, chosen compounding, balance fees and inflation, using your own rate assumptions.

Open calculator Saving & investing

Bond Yield to Maturity and Zero-Coupon Calculator

Find yield to maturity from a supplied bond price and cash-flow schedule, with separate regular-coupon and Actual/365 zero-coupon modes.

Open calculator Saving & investing

Bond Yield to Call Calculator

Calculate a bond's yield to one specified call date and redemption amount using its purchase price, regular coupons and selected convention.

Open calculator Saving & investing

Excess Return Calculator: Benchmark or CAPM

Compare an asset return with a supplied benchmark or a CAPM expected return using your risk-free rate, market return and beta for the same period.

Open calculator Saving & investing

Return on Investment Calculator: Cumulative ROI

Calculate cumulative profit and ROI from invested capital, receipts, remaining asset value and additional costs, without assuming an annual return.

Open calculator Saving & investing

Log Return Calculator from a Price Series

Calculate consecutive log returns and their cumulative change from a positive price series, using your own consistently adjusted prices.

Open calculator Saving & investing

Position and Lot Size Risk Calculator

Calculate position size from account equity, a risk budget, stop distance and a supplied point value, including lot increments and trading costs.

Open calculator Saving & investing

XIRR Calculator for Dated Cash Flows

Calculate a money-weighted annual return from dated investments and receipts, with checks for absent or multiple solutions within the search range.

Open calculator Saving & investing

IRR Calculator for Periodic Cash Flows

Find IRR for equal-interval cash flows or a fixed-payment annuity, with a declared frequency for annualisation and checks for multiple solutions.

Open calculator Saving & investing

Forward Interest Rate from Spot Rates Calculator

Derive an annual effective forward rate between two maturities using compatible spot rates from the same currency, curve and compounding basis.

Open calculator Saving & investing

Binomial Option Pricing Calculator

Estimate European or American call and put values with a CRR binomial tree, supplied volatility, continuous dividend yield and a chosen step count.

Open calculator Saving & investing

Stock DCF Valuation per Share Calculator

Estimate equity value per share from forecast enterprise cash flows, a discount rate, terminal growth, debt, excess cash and shares outstanding.

Open calculator Banking

Irish Punt to Euro Conversion Calculator

Convert Irish pounds to euro or euro to Irish punt at the fixed conversion rate, with no sterling conversion or historical purchasing-power adjustment.

Open calculator Banking

Irish IBAN Checker and Account Number Extractor

Check an Irish IBAN's format and checksum, then extract its bank code, sort code and account number without verifying the account or its owner.

Open calculator Banking

Basis Points to Percentage Points Calculator

Convert basis points and percentage points, apply a rate change to a starting rate, and illustrate its annual amount on a supplied constant balance.

Open calculator Everyday money

Fuel Savings and Vehicle Payback Calculator

Compare two vehicles' annual fuel and running costs, then estimate simple payback on an extra purchase price using your distance and prices.

Open calculator Everyday money

Fuel Cost Calculator: Trips and Mileage

Estimate trip or annual fuel costs in kilometres or miles, using L/100 km or UK/US MPG, with tolls, parking and a per-person split.

Open calculator Everyday money

Electricity and Gas Cost Calculator

Estimate an energy bill from kWh, meter readings or appliance use, with your tariff, standing charges, bill adjustments and gas conversion factor.

Open calculator Everyday money

EV Charging Cost Calculator with Charging Losses

Estimate the cost of an EV charging session from battery capacity, charge levels, charging efficiency, electricity price and a fixed session fee.

Open calculator Everyday money

Car Ownership Cost and Monthly Budget Calculator

Estimate vehicle ownership cost or monthly cash needs using purchase and resale values, running costs, finance charges and known repayments.

Open calculator Everyday money

Chargeable and Volumetric Weight Calculator

Compare actual and volumetric parcel weight using dimensions and your carrier's divisor, then calculate chargeable weight for identical parcels.

Open calculator Everyday money

Child-Raising Cost and Household Budget Calculator

Build a child-related budget by age stage from monthly costs, one-off expenses and confirmed support, using your own household assumptions.

Open calculator Everyday money

College Cost and Student Budget Calculator

Estimate study costs from tuition, accommodation and living expenses, less confirmed funding, over your planned months and years of education.

Open calculator Everyday money

Monthly Budget and 50/30/20 Calculator

Review monthly spending, set 50/30/20 or custom targets, and calculate daily spending money after reserving upcoming bills and savings.

Open calculator Everyday money

Tip and Bill Split Calculator with Exact Cents

Add an optional percentage tip and split a bill between people, allocating any remaining cents so individual shares add up to the total.

Open calculator Everyday money

Insurance Premium Pro Rata Calculator

Calculate used and unused portions of an insurance premium from policy day counts, without assuming a cancellation fee or guaranteed refund.

Open calculator Everyday money

Shared Expenses and Equal Money Split Calculator

Split a total equally or settle shared expenses from what each person paid, with suggested transfers and totals reconciled to the cent.

Open calculator Everyday money

Arrears Balance Calculator: Amounts Due and Paid

Reconcile overdue amounts against payments and credits to find the outstanding balance, without adding unconfirmed interest or penalties.

Open calculator Everyday money

Adding Money Calculator with Running Totals

Add monetary amounts and deductions with item-by-item running totals, rounding each entry to cents while keeping all amounts in one currency.

Open calculator Business

Average Total Assets Calculator

Average asset balances from opening and closing figures or time-weighted observations, using consistent amounts and a defined reporting period.

Open calculator Business

Basic Earnings per Share Calculator

Calculate basic EPS from profit attributable to ordinary shareholders and weighted average shares, with an explicit preferred-dividend adjustment.

Open calculator Business

Net Profit Margin and Expense Calculator

Calculate net profit margin from known profit or an income and expense breakdown, including operating costs, interest, tax and other items.

Open calculator Business

Cash Change Calculator with Euro Denominations

Calculate cash change from a payable total or item basket, with an entered discount and tax, then split the change into euro denominations.

Open calculator Business

A/B Conversion Rate Significance Calculator

Compare two campaign conversion rates with uplift, a two-sided significance test and an interval estimate under stated normal-approximation assumptions.

Open calculator Business

Euro Notes and Coins Money Counter

Count euro notes and coins by denomination to calculate the cash total, using whole-number counts and preserving exact cent values.

Open calculator Business

Customer Acquisition Cost Calculator

Calculate customer acquisition cost from marketing, sales and other acquisition spending divided by the new customers in a matching cohort.

Open calculator Business

Cost of Equity Calculator: CAPM and Dividends

Estimate cost of equity with supplied CAPM assumptions or a constant dividend-growth model, and compare the two methods where both are suitable.

Open calculator Business

Cost of Debt and Optional Tax Shield Calculator

Calculate a borrowing cost from annual interest, financing fees and average debt, with an optional fully usable tax-shield assumption you supply.

Open calculator Business

Recipe and Cake Cost and Pricing Calculator

Cost recipe ingredients, labour, packaging and overhead per batch or portion, then set a selling price using a target margin or markup.

Open calculator Business

Campaign Cost per Acquisition Calculator

Calculate cost per acquisition from campaign spending and attributed outcomes, using a consistent conversion definition and reporting window.

Open calculator Business

Cost per Click Calculator for Paid Campaigns

Calculate average CPC from advertising spend and paid clicks over a matching campaign period, keeping clicks distinct from impressions or visitors.

Open calculator Business

Cost per Lead Calculator for Marketing Campaigns

Calculate CPL from campaign spending and attributed leads, with a consistent qualification rule and matching reporting or attribution window.

Open calculator Business

Auction Buyer Costs and Seller Proceeds Calculator

Estimate an auction buyer's total or seller's proceeds from hammer price, commission, supplied VAT rates and known fixed or shipping charges.

Open calculator Business

3D Printing Cost and Selling Price Calculator

Cost a print from material, machine time, electricity, labour and expected failures, then estimate a selling price at your target margin.

Open calculator Business

Jewellery Cost and Selling Price Calculator

Set a jewellery selling price from material costs, waste, labour, packaging, overhead, selling fees and a target profit margin.

Open calculator Business

Manufacturing Overhead Allocation Calculator

Calculate an overhead allocation rate and applied overhead from an indirect-cost pool, budgeted activity and actual allocation-base usage.

Open calculator Business

CPM, Ad Spend and Impressions Calculator

Calculate cost per thousand impressions, required advertising spend or expected impressions from two known values on a consistent cost basis.

Open calculator Business

Asset Depreciation and Book Value Calculator

Estimate straight-line or reducing-balance depreciation, accumulated charges and book value through a date using your useful-life assumptions.

Open calculator Business

Discount and Reverse Price Calculator

Calculate discounted prices, recover an original price, combine successive discounts or measure a price change using a consistent VAT basis.

Open calculator Business

Earned Value Schedule Variance and SPI Calculator

Calculate project schedule variance and SPI from earned and planned value at the same status date, using one budget baseline and measurement policy.

Open calculator Business

EBITDA and EBIT from Net Income Calculator

Reconcile net income to EBIT and EBITDA using interest, tax, depreciation and amortisation already included in the reported profit figure.

Open calculator Business

Price Elasticity Calculator for Demand Analysis

Compare price and demand changes using midpoint or initial-value percentages to calculate elasticity for comparable commercial observations.

Open calculator Business

Income Elasticity Calculator for Market Demand

Calculate the relationship between income and demand changes using midpoint or initial-base percentages for comparable market observations.

Open calculator Business

Acquisition Goodwill Accounting Calculator

Calculate acquisition goodwill from consideration, measured interests and the fair value of identifiable net assets, using supplied accounting inputs.

Open calculator Business

Ad Revenue Calculator: Net RPM or Gross CPM

Estimate advertising or creator revenue from a matching traffic volume and net RPM, or ad impressions, gross CPM and a publisher revenue share.

Open calculator Business

Annual Recurring Revenue (ARR) Calculator

Calculate ARR from monthly recurring revenue or recurring contract rows, annualising each charge while excluding unsupported growth assumptions.

Open calculator Business

Quick Ratio and Acid-Test Liquidity Calculator

Calculate the quick ratio from liquid asset balances or adjusted current assets, excluding inventory and prepayments before comparing liabilities.

Open calculator Business

Contribution Margin per Unit and Total Calculator

Calculate unit contribution, contribution ratio and total contribution from selling price, variable unit cost and the number of units sold.

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Margin, Markup and VAT Pricing Calculator

Calculate margin and markup or set a target selling price with explicit input-VAT recovery, purchase VAT and sales VAT assumptions.

Open calculator Business

Maximum Stock Level Calculator

Estimate a maximum stock level from reorder level, order quantity, minimum consumption and minimum lead time using consistent inventory units.

Open calculator Business

Art Pricing Calculator with Labour and Commission

Set an asking price from art materials, labour, finishing, overhead and selling commission while allowing for a target profit margin.

Open calculator Business

Unit Price and Package Value Comparison Calculator

Compare package prices per kilogram, litre, metre or item using compatible quantities, and identify the lowest unit price from the offers entered.

Open calculator Business

Break-even Units and Sales Revenue Calculator

Find break-even units and revenue from fixed costs, unit price and variable cost, including the whole-unit sales threshold needed to cover costs.

Open calculator Business

Accounting Rate of Return Calculator

Calculate accounting ARR from average annual profit using initial investment or an average initial-and-residual investment base you select.

Open calculator Business

Funding Round Equity Dilution Calculator

Model post-funding ownership from existing fully diluted holdings, a pre-money valuation, new investment and a specified option-pool reserve.

Open calculator Business

Farm Operating Income and Profit Calculator

Calculate farm operating surplus and profit from sales, confirmed support, variable and fixed costs, and accounting depreciation for one period.

Open calculator Business

Inventory Turnover and Inventory Days Calculator

Calculate inventory turns and holding days from cost of goods sold and known or opening-and-closing average inventory for a chosen period.

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TAM, SAM and SOM Market Size Calculator

Build annual TAM, SAM and SOM from potential buyers and spending or a known market value, using explicit serviceable and obtainable shares.

Open calculator Business

Marketing Conversion Rate Calculator

Calculate conversion rates for unique converted visitors or repeated conversion events, using a denominator that matches the campaign and outcome.

Open calculator Business

Current Liabilities Total Calculator

Total balances already classified as current liabilities at one reporting date, counting each obligation once and only its current portion.

Open calculator Business

Ordinary Book Value per Share Calculator

Calculate book value per ordinary share from reported equity or assets less liabilities, after the preferred equity claim, using a matching share count.

Open calculator Business

Business Valuation: DCF, EBITDA and Net Assets

Estimate business equity value with cash-flow DCF, an EBITDA multiple or net assets, using supported forecasts and explicit debt and cash adjustments.

Open calculator Business

Year-over-Year Growth and Amount Change Calculator

Compare current and prior-year amounts to find the absolute change and percentage growth where the prior base is positive and periods match.

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Net Sales after Returns and Discounts Calculator

Reconcile gross sales to net sales by deducting returns, allowances and sales discounts once, without treating operating costs as sales deductions.

Open calculator Business

Project Cost Performance Index Calculator

Calculate a project's cost performance index and cost variance from earned value and actual cost for the same work, baseline and status date.

Open calculator Loans & mortgages

Loan Overpayment and Early Payoff Calculator

Compare loan payoff dates and interest with regular or one-off extra payments, using a fixed rate and any early-repayment fees you enter.

Open calculator Loans & mortgages

Mortgage Amount from Monthly Payment Calculator

Work back from a monthly mortgage budget to a loan amount and purchase budget using your chosen rate, term, housing costs and cash deposit.

Open calculator Loans & mortgages

Lease or Buy a Car Cost Comparison Calculator

Compare buying a car with a known lease quote over the same horizon, including fees, running costs, resale value, remaining debt and discounting.

Open calculator Loans & mortgages

Loan Amortisation Schedule Calculator

Build a monthly loan schedule showing principal, interest and remaining balance, with adjustable rounding and a final payment that clears the debt.

Open calculator Loans & mortgages

Mortgage Amortisation and Payment Breakdown Calculator

View a mortgage amortisation table and balance chart, with an optional rate reset and separately entered monthly housing costs alongside repayments.

Open calculator Loans & mortgages

Buy-to-Let Mortgage Repayment Calculator

Estimate monthly repayments and finance costs for a buy-to-let mortgage from a property price, deposit, quoted rate, term and upfront fees.

Open calculator Loans & mortgages

Lease Payment Calculator: Annuity or Money Factor

Calculate monthly lease rentals from known capital, residual, fees and tax inputs using either a financial annuity or a quoted money factor.

Open calculator Loans & mortgages

Mortgage Rate Stress Scenario Calculator

Compare mortgage payments at two chosen interest rates and see the stressed payment as a share of your monthly take-home income.

Open calculator Loans & mortgages

Annuity Present and Future Value Factor Calculator

Find present and future value factors for equal periodic payments using a rate per period, payment count and beginning- or end-of-period timing.

Open calculator Loans & mortgages

Interest-Only Mortgage Payment Calculator

Calculate interest-only payments, later amortising repayments and any principal due at maturity using a fixed nominal rate and stated term.

Open calculator Loans & mortgages

Offset Mortgage Payment and Payoff Calculator

Model eligible offset savings against mortgage interest, choosing reduced payments or earlier payoff under the offset treatment in your contract.

Open calculator Loans & mortgages

Overdraft Interest and Fee Calculator

Estimate overdraft charges from dated balances, an authorised limit, separate authorised and excess rates, a day-count basis and known fees.

Open calculator Loans & mortgages

Line of Credit Daily Interest Calculator

Calculate simple daily interest on a credit line from opening debt, dated drawdowns and repayments, a known rate, credit limit and separate fees.

Open calculator Loans & mortgages

Fixed-Term Annuity Withdrawal Calculator

Calculate equal monthly withdrawals from capital over a chosen term, with an assumed return, payment timing and an optional amount retained at the end.

Open calculator Loans & mortgages

Credit Card Repayment and Payoff Calculator

Find a credit-card payoff time or a monthly payment for a target term, using a fixed rate, monthly fee and no further spending on the card.

Open calculator Loans & mortgages

Mortgage Payoff Time Calculator

Find the number of monthly payments needed to clear a mortgage balance at a fixed rate and chosen payment, including the smaller final payment.

Open calculator Loans & mortgages

Car Purchase Budget and Trade-In Equity Calculator

Estimate a car purchase budget from income, spending, running costs, deposit and finance terms, including positive or negative trade-in equity.

Open calculator Loans & mortgages

Balloon Loan Payment and Final Balance Calculator

Find monthly payments from a known balloon, or calculate a balloon from regular payments or a longer amortisation term at a fixed interest rate.

Open calculator Loans & mortgages

Bridging Loan Interest and Exit Cost Calculator

Estimate net advance and exit cost for a bridging loan with serviced, retained or rolled interest, using quoted rates and known upfront and exit fees.

Open calculator Loans & mortgages

Car Loan Refinance Cost Comparison Calculator

Compare an existing car loan with a refinance quote over a common horizon, including fees, remaining balances, monthly payments and full-term interest.

Open calculator Loans & mortgages

Debt-to-Income Ratio Calculator

Measure monthly debt payments against gross or take-home income, converting weekly and other income periods to a consistent monthly basis.

Open calculator Loans & mortgages

Mortgage Loan-to-Value Ratio Calculator

Calculate the combined mortgage loan-to-value ratio from a supplied property value and all included secured debt, without assuming lender limits.

Open calculator Loans & mortgages

Mortgage Balance After Payments Calculator

Estimate mortgage principal remaining after a known number of regular payments and monthly extras, using the original balance, rate and term.

Open calculator Loans & mortgages

Loan Interest Rate from Payments Calculator

Infer a loan's monthly, nominal annual and effective annual rates from principal, equal monthly payments, term and any final additional balloon.

Open calculator Loans & mortgages

Blended Interest Rate Calculator for Loan Balances

Find the principal-weighted average interest rate across loan balances quoted in one currency and on the same annual-rate convention.

Open calculator Loans & mortgages

Net Present Value Calculator for Dated Cash Flows

Discount dated project cash flows to a chosen valuation date using an effective annual rate and Actual/365 timing to calculate net present value.

Open calculator Loans & mortgages

Present Value of a Future Amount Calculator

Discount a future receipt or payment using your effective annual rate and elapsed years, including fractional years, without assuming a market quote.

Open calculator VAT & tax arithmetic

Add or Remove a Known Tax Percentage Calculator

Apply a tax percentage to a net amount or extract included tax from a gross amount, using the rate you supply for the calculation.

Open calculator VAT & tax arithmetic

VAT Calculator: Add or Remove VAT at Your Rate

Add VAT to a net price or remove VAT from a gross total at your chosen rate, with net, VAT and gross amounts reconciled to cents.

Open calculator Retirement planning

Retirement Savings Target and Bridge Calculator

Estimate retirement capital and extra monthly saving from spending, income and return assumptions, including a bridge before pension access.

Open calculator Retirement planning

Financial Independence Age Scenario Calculator

Estimate the earliest modelled retirement age funded by accessible savings and later pension resources under your spending and return assumptions.

Open calculator Retirement planning

Pension Pot Growth Calculator

Project a defined-contribution pension pot using your starting fund, contributions, charges, return and inflation, or grow an existing PRB without new payments.

Open calculator Insurance planning

Life Insurance Capital Needs Calculator

Estimate a life-insurance capital gap from household income needs, support years, debts, available assets and existing usable cover.

Open calculator Insurance planning

Home Contents Replacement Value Calculator

Total home contents from an itemised room-by-room inventory using quantities and replacement prices, with separate room subtotals and an overall value.

Open calculator Work & pay

Gross Bonus Amount and Percentage Calculator

Calculate a gross bonus from salary, percentage and an eligibility fraction, or infer the bonus percentage from a known gross amount.

Open calculator Work & pay

Bradford Factor Absence Score Calculator

Calculate a Bradford Factor score from separate absence spells and total days over a consistent policy period, with partial days supported.

Open calculator Work & pay

Compa Ratio Calculator: Salary vs Range Midpoint

Compare an employee's salary with a salary-range midpoint and express the result as a percentage, using a consistent full-time or part-time basis.

Open calculator Work & pay

Gross Salary Package Comparison Calculator

Compare two gross salary packages using expected bonuses, valued benefits and work-related costs, without estimating PAYE or take-home pay.

Open calculator Work & pay

Gross Salary Converter: Hourly to Annual Pay

Convert gross hourly, daily, weekly, monthly or annual pay using your paid schedule, or calculate a daily rate with an agreed period divisor.

Open calculator Work & pay

Annual Leave Converter: Hours to Days

Convert an existing annual leave balance between hours and days using the hours in your contractual leave day, without calculating entitlement.

Open calculator Work & pay

Time Off in Lieu Hours and Days Calculator

Convert eligible overtime into time off in lieu using an agreed multiplier and leave-day length, with results shown in both hours and days.

Open calculator Work & pay

Gross Back Pay and Wage Arrears Calculator

Estimate gross back pay from the correct and paid rate, affected units and confirmed adjustments, without calculating payroll tax or a legal award.

Open calculator Work & pay

Length of Service Calculator: Years and Days

Calculate calendar years, months and days of service between two dates, plus a separate counted-day total after documented service exclusions.

Open calculator Work & pay

Business Days Between Dates Calculator

Count business days between two dates using your working week, selected date boundaries and a list of holiday or workplace closure dates.

Open calculator Work & pay

Notice Period End Date Calculator

Find a notice period end date from a known start, length and calendar convention, including month-end adjustment and an optional inclusive final day.

Open calculator Work & pay

Add or Subtract Business Days Calculator

Add or subtract business days from a starting date with your working week and closure list, treating the starting date as day zero.

Open calculator Work & pay

Shift End Time Calculator with Unpaid Breaks

Find your shift finishing time from clock-in, required working hours and unpaid breaks, including overnight finishes and second-level timing.

Open calculator Work & pay

Work Hours Calculator with Breaks

Total working hours across shifts, subtract unpaid breaks and handle overnight finishes, with an optional known clock-change adjustment.

Open calculator Work & pay

Pay Rise Calculator: New Pay and Percentage

Calculate new gross pay from a percentage increase, or find the percentage change between old and new pay on the same working-hours basis.

Open calculator Work & pay

Gross Overtime Pay Calculator

Estimate gross overtime and total period pay from eligible hours, a basic hourly rate and an agreed premium, without assuming a legal multiplier.

Open calculator Work & pay

Average Working Hours per Period Calculator

Find the arithmetic mean of comparable working-hour totals, entered as decimals or durations, without treating it as a statutory compliance test.

Open calculator Work & pay

Annual Salary Growth Projection Calculator

Project an annual salary over a chosen number of years at a constant percentage change, showing a scenario rather than promised future pay.

Open calculator Work & pay

Employee Retention Rate Calculator

Calculate what percentage of an original employee cohort remains at the end of a review period, keeping new hires outside the starting cohort.

Open calculator Work & pay

Employee Turnover Rate Calculator

Calculate staff turnover from departures and average headcount, using a known average or equally spaced observations over an annual or other period.

Open calculator Work & pay

Pro Rata Gross Salary for Part-Time Hours

Prorate a full-time annual salary for agreed weekly hours and a stated month fraction, without assuming a partial-month payroll convention.

Open calculator Work & pay

Workforce Absenteeism Rate Calculator

Calculate absence as a percentage of scheduled staff time using matching hours or days, a consistent period and the same employee population.

Open calculator Property

Net Effective Rent Calculator with Free Months

Spread free-rent months and cash credits across a lease to calculate effective monthly rent, showing non-refundable tenant fees separately.

Open calculator Property

Rent or Buy a Home Comparison Calculator

Compare ending net wealth from renting and buying over the same horizon, using supplied rent, mortgage, property-growth and investment assumptions.

Open calculator Property

BRRRR Property Cash and Refinance Calculator

Track acquisition and renovation cash, refinance proceeds, capital left invested and rental cash flow using supplied values, debt and lending assumptions.

Open calculator Property

Rental Property Cash Flow Calculator

Estimate monthly and annual rental cash flow after vacancy, operating expenses, repair reserves and debt payments, with net operating income separate.

Open calculator Property

Home Equity and Net Sale Equity Calculator

Calculate positive or negative home equity from a supplied property value and secured debt, with estimated selling and settlement costs shown separately.

Open calculator Property