> Source: https://amayakavya.com/labs/taxcalc

# Finance Calculator

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.

N (number of periods)
I/Y (annual rate %)
PV (present value)
PMT (payment)
FV (future value)
P/Y (periods per year)
Solve for
FV PV PMT N I/Y

Payments at
End of period Begin of period

## Discounted cash flow: NPV / IRR

Enter cash flows, time 0 first (usually a negative outflow), separated by commas or new lines.

Discount rate % (per period)
Cash flows

## Loan / EMI

Equal monthly instalment with a year-by-year amortization summary.

Principal
Annual interest rate %
Term
Term unit Years Months

## 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.

Mode Price from yield Yield from price
Face (par) value
Coupon rate % (annual)
Years to maturity
Coupons per year
Yield % (for price mode)
Market price (for yield mode)

## Interest & rates

Simple interest, compound interest, or the effective annual rate from a nominal rate.

Mode Compound interest Simple interest Effective annual rate
Principal
Rate % (nominal, annual)
Time (years)
Compounding / year

## Returns

CAGR uses begin, end and years. Holding period uses begin, end, income and years. Real return uses nominal and inflation.

Mode CAGR Holding period return Real (inflation-adjusted)
Beginning value
Ending value
Years
Income received
Nominal rate %
Inflation rate %

## 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.

Mode CAPM (cost of equity) WACC Gordon growth (value)
Risk-free rate % (Rf)
Beta
Market return % (Rm)
Equity value (E)
Debt value (D)
Cost of equity % (Re)
Cost of debt % (Rd)
Tax rate %
Next dividend (D1)
Required return % (r)
Growth rate % (g)

## Break-even

Units and revenue needed to cover fixed costs.

Fixed costs
Price per unit
Variable cost per unit

## Depreciation

Straight line, or written-down value (declining balance). Leave the WDV rate blank to derive it from cost and salvage.

Method Straight line Written-down value
Cost
Salvage value
Useful life (years)
WDV rate % (optional)

## Statistics

Descriptive statistics for a data set, e.g. a series of returns. Add a risk-free rate for the Sharpe ratio.

Data (returns or values)
Risk-free rate (optional, same units)

## Options: Black-Scholes

European call and put prices with no dividends. Volatility is annualized.

Spot price (S)
Strike price (K)
Risk-free rate %
Volatility % (annual)
Time to expiry (years)

## Foreign exchange

Convert an amount at a rate, or compute a cross rate from two quotes.

Mode Convert amount Cross rate
Amount
Rate (A/B)
Rate 2 (B/C, cross mode)

## GST / VAT

Add tax to a base amount, or extract tax from a tax-inclusive amount. Works for GST, VAT, or any sales tax.

Mode Add tax (exclusive to inclusive) Remove tax (inclusive to base)
Amount
Tax rate %

## Margin, markup & % change

Profit with margin and markup, or the percentage change from an old value (Cost) to a new value (Sale).

Mode Margin & markup Percentage change
Cost / old value
Sale / new value

## 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.

Taxable income
Brackets (lower threshold, rate %)

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](/disclaimer).

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