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nestegg-calculators

90+ pure finance calculators: loans, investing, bonds, options, tax. Stateless, stores nothing.

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99 tools

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accrued-interest read-only faceValue*couponRatePct*dayCountBasisdaysSinceLastCoupon*
Accrued interest since the last coupon: the annual coupon pro-rated by days elapsed over the day-count basis.
after-tax-yield read-only yieldPct*taxRatePct*
After-tax yield: a yield reduced by the tax rate. Percents in and out.
amortization read-only mode*rate*extralimitamount*detail +6
Monthly loan amortization schedule and summary. Supports dated extra principal payments and a rate-fixed period. detail controls output size: 'summary' (default) returns totals plu…
annuity-fv read-only payment*periods*ratePct*
Future value of an ordinary annuity. rate is the per-period rate in percent.
annuity-payment read-only periods*ratePct*presentValue*
The level payment that amortizes a present value over n periods (the loan-payment formula). rate is per period.
annuity-pv read-only payment*periods*ratePct*
Present value of an ordinary annuity (level payment at each period end). rate is the per-period rate in percent.
balloon-loan read-only amount*ratePct*amortMonths*balloonMonths*
Balloon loan: payment based on a long amortization, with the balloon being the balance still due after the shorter balloon term.
barista-fire read-only annualSpend*partTimeIncome*withdrawalRatePct
Barista FIRE: the nest egg needed when part-time income covers part of the spending, so the portfolio only funds the remainder at the safe withdrawal rate.
biweekly-payoff read-only amount*ratePct*termMonths*
Biweekly mortgage acceleration: paying half the monthly payment every two weeks. Returns the biweekly payment and the months and interest saved.
black-scholes read-only spot*typeyears*strike*riskFreePct*volatilityPct* +1
Black-Scholes price of a European call or put option, plus d1/d2. Volatility and rates in percent; optional continuous dividend yield.
bond-duration read-only years*yieldPct*faceValue*couponRatePct*periodsPerYear
Macaulay duration (PV-weighted average time of cashflows, in years) and modified duration (price sensitivity to yield).
bond-price read-only years*yieldPct*faceValue*couponRatePct*periodsPerYear
Price of a coupon bond given a yield: present value of the coupons plus the face at maturity.
break-even-units read-only fixedCosts*pricePerUnit*variableCostPerUnit*
Break-even volume: fixed costs divided by the per-unit contribution (price - variable cost), plus the revenue at that volume.
budget-50-30-20 read-only monthlyIncome*
The 50/30/20 budget split of monthly income into needs, wants, and savings.
cagr read-only end*begin*years*
Compound annual growth rate between two values over a number of years. Returns a decimal (0.07 means 7%).
cap-rate read-only noi*propertyValue*
Capitalization rate: net operating income as a percent of property value.
cash-on-cash read-only cashInvested*annualCashFlow*
Cash-on-cash return: annual pre-tax cash flow as a percent of the cash invested.
coast-fire read-only annualSpend*annualRatePct*currentNestEgg*withdrawalRatePctyearsToRetirement*
Coast FIRE: whether the current nest egg, left to grow untouched to retirement, already reaches the FIRE target. Returns the target, the projected balance, whether it coasts, and a…
compound-interest read-only years*principal*annualRatePct*periodsPerYearcontributionPerPeriod
Compound growth at any frequency, with an optional contribution each period (paid at period end). Generalizes future-value (periodsPerYear 1) and contributions (periodsPerYear 12).
contribution-margin read-only pricePerUnit*variableCostPerUnit*
Contribution margin per unit and as a percent of price.
contributions read-only months*monthly*annualRatePct*contribGrowthPct
Future value of a fixed monthly contribution, optionally stepping up each year.
convexity read-only years*yieldPct*faceValue*couponRatePct*periodsPerYear
Bond convexity (years^2): the curvature of price with respect to yield, used alongside duration.
credit-card-payoff read-only aprPct*balance*monthlyPayment*
Months to clear a credit-card balance at a fixed monthly payment, plus interest paid. Null when the payment can't cover the first month's interest.
current-ratio read-only currentAssets*currentLiabilities*
Current ratio: current assets over current liabilities.
current-yield read-only price*faceValue*couponRatePct*
Current yield: the annual coupon as a percent of the bond's current price.
de-abgeltungsteuer read-only year*jointchurchTaxPctcapitalIncome*foreignTaxCredit
German flat tax on capital income (Abgeltungsteuer, §32d EStG) for tax years 2023-2026 with the year's Sparerpauschbetrag built in. 25% above the allowance, Soli 5.5% on top (no Fr…
debt-payoff read-only debts*methodmonthlyBudget*
Multi-debt payoff plan under a fixed monthly budget. method 'avalanche' (highest rate first) minimizes interest; 'snowball' (smallest balance first) clears accounts soonest. Return…
declining-balance-depreciation read-only year*value*ratePct*
Declining-balance depreciation: a fixed percent of the reducing book value, for a given year. Returns that year's depreciation and the remaining book value.
de-gross-to-net read-only soligross*carePcthealthPctincomeTaxpensionPct +4
German net (Netto) salary from gross (Brutto). No tax tables are baked in: look up the current year's statutory figures and pass them in. Income tax (Lohnsteuer) and Soli are amoun…
de-kindergeld read-only year*children
German child benefit (Kindergeld) for 2023-2026: the year's flat monthly amount per child (uniform since 2023), as monthly and annual totals.
de-midijob read-only ageyear*childrenbundeslandmonthlyPay*kvZusatzPct +1
German Midijob / Uebergangsbereich (paragraph 20 Abs. 2a SGB IV) for 2023-2026: classifies a monthly pay as Minijob / Midijob / regular against the year's thresholds and, inside th…
de-net-salary read-only ageyear*faktorchildrentaxClassbundesland +5
Exact German net (Netto) salary from annual gross (Brutto) for tax years 2023-2026. Income tax and Soli follow the official BMF Programmablaufplan for the year (to the euro; 2024 u…
depreciate read-only upvalue*years*annualRatePct*
Value after compounding down (or up) at a yearly percentage rate over a number of years. This is the method the app uses for long-term assets.
de-rentenpunkte read-only year*bundeslandgrossAnnual*totalPoints
German pension points (Entgeltpunkte, paragraph 63 SGB VI) for 2023-2026: points earned from an annual gross via the year's Durchschnittsentgelt (capped at the contribution ceiling…
discount read-only price*discountPct*
A single percentage discount: the amount off and the final price.
discounted-payback read-only ratePct*cashflows*initialCost*
Discounted payback period: like payback-period but each cashflow is discounted at the per-period rate.
dollar-cost-averaging read-only prices*periodicInvestment*
Dollar-cost averaging: buying a fixed amount each period at the given prices. Returns units accumulated, total invested, average cost, and final value at the last price.
double-declining-depreciation read-only year*value*salvageusefulYears*
Double-declining-balance depreciation: 2/usefulYears of the book value each year, not falling below salvage.
dscr read-only noi*annualDebtService*
Debt service coverage ratio: net operating income divided by annual debt service.
dti read-only monthlyDebt*grossMonthlyIncome*
Debt-to-income ratio, percent (monthly debt / gross monthly income).
effective-rate read-only ratePct*toNominalperiodsPerYear*
Convert a nominal annual rate to the effective annual rate (APY) for a compounding frequency, or with toNominal recover the nominal rate from an APY.
emergency-fund read-only liquidSavings*monthlyExpenses*
Months of runway: liquid savings divided by monthly expenses.
fee-drag read-only years*feePct*principal*grossAnnualPct*
Effect of an annual fee: the compounded balance at the gross rate vs net of the fee, and the amount lost to fees.
fire-number read-only annualSpend*annualRatePctcurrentNestEggwithdrawalRatePctannualContribution
FIRE target nest egg from annual spend and a safe withdrawal rate (default 4%), plus the gap from today and the years to reach it given optional savings and growth. No advice.
future-value read-only years*principal*annualRatePct*
Future value of a single lump sum compounded annually.
fx-convert read-only rate*amount*
Convert an amount using a rate supplied by the caller (units of target currency per unit of source). No rate is ever looked up.
gross-rent-multiplier read-only price*grossAnnualRent*
Gross rent multiplier: price divided by gross annual rent.
holding-period-return read-only income*endValue*beginValue*
Holding-period return: (income + capital gain) / starting value, in percent.
hourly-to-salary read-only hourlyRate*hoursPerWeekweeksPerYear
Annualize an hourly rate (and the monthly equivalent).
inflation-adjust read-only years*amount*toNominalinflationRatePct*
Convert a nominal amount to today's purchasing power (real), or with toNominal inflate a real amount forward, at a given annual inflation rate.
interest-only-payment read-only amount*ratePct*
Interest-only monthly payment on a balance.
intrinsic-time-value read-only spot*typestrike*premium*
Split an option premium into intrinsic value (in-the-money amount) and time value.
irr read-only cashflows*
Internal rate of return: the per-period rate that zeroes the NPV of a cashflow series. Returns a percent, or null when the series never crosses zero.
loan-apr read-only feesamount*ratePct*termMonths*
Effective APR including upfront fees: the note-rate payment priced against the net proceeds (amount - fees). Annual percent.
loan-payoff read-only mode*rate*extraamount*paymentstartDate* +3
Time and interest saved by paying a fixed extra amount every month on a loan, versus the baseline schedule.
ltv read-only loanAmount*propertyValue*
Loan-to-value ratio, percent (loan / property value).
margin-markup read-only costpricemarginPctmarkupPct
Convert between margin and markup. Supply any one of cost/price plus one of marginPct/markupPct (or both cost and price); returns cost, price, profit, marginPct, and markupPct.
max-drawdown read-only series*
Maximum drawdown of a value series: the largest peak-to-trough decline, as a positive percent.
mirr read-only cashflows*financeRatePct*reinvestRatePct*
Modified internal rate of return: negatives financed at financeRate, positives reinvested at reinvestRate. Percents in and out.
mortgage-affordability read-only rate*dtiPct*termYears*downPaymentannualIncome*monthlyDebts
Maximum loan and home price the income supports: the DTI cap on gross monthly income (less existing debts) sets the payment, whose present value at the rate and term is the loan.
net-worth read-only assets*liabilities*
Net worth: assets minus liabilities.
noi read-only vacancyPct*grossRentalIncome*operatingExpenses*
Net operating income: gross rental income less vacancy and operating expenses.
npv read-only cashflows*discountRatePct*
Net present value of a cashflow series (index 0 is today; outflows negative) discounted at a per-period rate.
option-breakeven read-only typestrike*premium*
Break-even underlying price at expiry: strike + premium for a call, strike - premium for a put.
option-greeks read-only spot*typeyears*strike*riskFreePct*volatilityPct* +1
Black-Scholes greeks for a European option: delta, gamma, vega (per 1% vol), theta (per day), rho (per 1% rate).
payback-period read-only cashflows*initialCost*
Simple payback period: periods until cumulative cashflows recover the initial cost, interpolated within the crossing period. Null if never.
percentage-change read-only to*from*
Percentage change from one value to another. Null when the starting value is zero.
perpetuity read-only payment*ratePct*growthPct
Present value of a level or growing perpetuity: payment / (rate - growth). Null when growth is not below the rate.
points-breakeven read-only ratePct*pointsPct*loanAmount*termMonths*reducedRatePct*
Mortgage points break-even: the upfront cost to buy down the rate, the monthly payment saving, and the whole months to recoup it.
portfolio-longevity read-only balance*annualRatePct*annualWithdrawal*withdrawalGrowthPct
How many years a balance lasts while withdrawing from it: the balance grows each year, then the withdrawal (optionally stepping up) is taken. Returns the depletion year, or sustain…
present-value read-only years*futureAmount*annualRatePct*
Present value of a single future amount discounted annually. The inverse of future-value.
put-call-parity read-only putcallspot*years*strike*riskFreePct* +1
Put-call parity: given one option price, returns both. Provide call or put, plus spot, strike, years, and the rate.
quick-ratio read-only inventory*currentAssets*currentLiabilities*
Quick (acid-test) ratio: (current assets - inventory) over current liabilities.
real-return read-only nominalRatePct*inflationRatePct*
Real (inflation-adjusted) return from a nominal rate via the Fisher relation: (1+nominal)/(1+inflation) - 1.
refi-breakeven read-only newPayment*closingCosts*currentPayment*remainingMonths
Refinance break-even: monthly saving, whole months to recoup closing costs, and (if remainingMonths given) the net saving over the remaining term.
required-contribution read-only months*targetValue*presentValueannualRatePct*
Inverse of contributions: the fixed monthly amount needed to reach a target future value over a number of months, given an optional starting balance.
required-return read-only end*begin*years*annualContribution
Annual return needed to grow a starting value to a target over a number of years, optionally with a fixed annual contribution. With no contribution this equals CAGR. Returns a perc…
return-stats read-only returns*
Mean, sample variance, and sample standard deviation (n-1) of a series of returns. Pass percents to get a percent stdev (volatility).
roa read-only netIncome*totalAssets*
Return on assets, percent: net income over total assets.
roe read-only equity*netIncome*
Return on equity, percent: net income over shareholders' equity.
roi read-only yearsinitial*finalValue*
Return on investment: total percent gain, plus the annualized rate when a holding period in years is given.
rule-of-72 read-only ratePct*
Years to double: the rule-of-72 estimate (72/rate) and the exact figure (ln2 / ln(1+rate)).
salary-to-hourly read-only annualSalary*hoursPerWeekweeksPerYear
Hourly rate implied by an annual salary.
savings-rate read-only income*savings*
Fraction of income saved (savings divided by income). Returns a decimal.
sharpe-ratio read-only returns*riskFreePct
Sharpe ratio: excess mean return per unit of volatility, (mean - riskFree) / stdev. Null when volatility is undefined or zero.
straight-line-depreciation read-only value*salvage*usefulYears*yearsElapsed*
Straight-line depreciation: value falling evenly to a salvage value over a useful life.
successive-discounts read-only price*discountsPct*
Stacked discounts applied in order: the final price and the effective single discount rate.
sum-of-years-digits read-only year*value*salvage*usefulYears*
Sum-of-the-years'-digits depreciation: the depreciable base weighted toward the early years.
tax-equivalent-yield read-only taxRatePct*taxFreeYieldPct*
Tax-equivalent yield: the taxable yield that matches a tax-free (e.g. muni) yield. Percents in and out.
tax-from-brackets read-only income*brackets*
Progressive tax from caller-supplied brackets. No jurisdiction, year, or rates are baked in: pass the brackets yourself. Returns total tax, effective rate, and marginal rate.
tip-split read-only peopletipPct*billAmount*
Tip and split: the tip amount, the total, and the per-person share.
unit-price read-only price*quantity*
Unit price: price divided by quantity (for comparing pack sizes). Null when quantity is zero.
units-of-production-depreciation read-only value*salvage*totalUnits*unitsThisPeriod*
Units-of-production depreciation: the depreciable base spread over total expected units, charged by the units used this period.
vat read-only amount*ratePct*inclusive
Value-added tax (MwSt/USt, sales tax) on a price. By default adds the tax to a net price; with inclusive=true treats the amount as gross and extracts the tax. The rate is always an…
wacc read-only debt*equity*taxRatePct*costDebtPct*costEquityPct*
Weighted average cost of capital: equity and after-tax debt weighted by the capital structure. Percents in and out.
xirr read-only cashflows*
Date-aware internal rate of return: the annual rate that zeroes the XNPV of irregular dated cashflows. Null if no rate fits.
xnpv read-only cashflows*annualRatePct*
Date-aware net present value: each amount discounted by its fractional years (act/365) from the first cashflow's date. Annual rate in percent.
yield-to-maturity read-only price*years*faceValue*couponRatePct*periodsPerYear
Bond yield to maturity: the nominal annual yield that prices a bond at the given price, with periodic coupons and face returned at maturity. Solved numerically. Returns a percent,…
zero-coupon-price read-only years*yieldPct*faceValue*compoundingPerYear
Price of a zero-coupon bond: face value discounted to today at the yield.