A comprehensive, worldwide finance and accountancy toolset. Whatever the domain, it is here: time value of money, discounted cash flow, bonds, loans, interest, returns, cost of capital, break-even, depreciation, statistics, options, foreign exchange, indirect tax, pricing, and income tax with brackets you set for any country. Everything runs in your browser; nothing is sent anywhere, and it is currency neutral.
Time value of money
Enter four values and choose what to solve for. Sign convention: money you pay out is negative, money you receive is positive.
Discounted cash flow: NPV / IRR
Enter cash flows, time 0 first (usually a negative outflow), separated by commas or new lines.
Loan / EMI
Equal monthly instalment with a year-by-year amortization summary.
Bond: price, yield, duration
Price a bond from its yield, or solve the yield to maturity from a market price. Frequency is coupons per year.
Interest & rates
Simple interest, compound interest, or the effective annual rate from a nominal rate.
Returns
CAGR uses begin, end and years. Holding period uses begin, end, income and years. Real return uses nominal and inflation.
Cost of capital & valuation
CAPM: Rf, Beta, Rm. WACC: Equity, Debt, cost of equity, cost of debt, tax. Gordon growth: next dividend, required return, growth.
Break-even
Units and revenue needed to cover fixed costs.
Depreciation
Straight line, or written-down value (declining balance). Leave the WDV rate blank to derive it from cost and salvage.
Statistics
Descriptive statistics for a data set, e.g. a series of returns. Add a risk-free rate for the Sharpe ratio.
Options: Black-Scholes
European call and put prices with no dividends. Volatility is annualized.
Foreign exchange
Convert an amount at a rate, or compute a cross rate from two quotes.
GST / VAT
Add tax to a base amount, or extract tax from a tax-inclusive amount. Works for GST, VAT, or any sales tax.
Margin, markup & % change
Profit with margin and markup, or the percentage change from an old value (Cost) to a new value (Sale).
Income tax (any country)
Define the marginal brackets for your jurisdiction, one per line as: lower threshold, then rate %. The last rate applies above its threshold.
For education and estimation only, not professional, tax, or investment advice. Tax rules and market conventions vary by jurisdiction and change over time; verify current rules. See the disclaimer.