Money

Add or remove sales tax / VAT from any price. Enter an amount and rate to instantly see the net price, tax amount, and gross total, with your choice of rounding.

Just enter the loan amount, annual interest rate and term to instantly calculate your monthly payment, total repayment and total interest. Supports equal-payment and equal-principal methods, with a modern chart of the principal-vs-interest breakdown.

Pick a lottery type (Loto 6, Loto 7, Mini Loto, or Jumbo) and the number of tickets to calculate your odds of hitting the jackpot, your chance of winning any prize, and the expected payout rate. Compare the odds against everyday events to feel just how unlikely a win really is.

Enter your loan amount, interest rate and term, plus the share repaid through bonus payments and how often they occur, to instantly compute your monthly payment, each bonus payment, the annual and total repayment, and total interest using the equal-payment method. A year-by-year amortization schedule is included.

Estimate the impact of prepaying a mortgage or other loan. Enter your loan terms plus when and how much you prepay to see the interest you save, the loan term you can shorten with term reduction, or the new monthly payment with payment reduction.

Estimate how much you save by prepaying a mortgage that uses bonus payments. The monthly and bonus portions are handled separately so you can compare the term-shortening and payment-reduction methods, including interest saved, time cut, and the new payment.

Find out how much you can borrow from a target monthly payment, or from your annual income and debt-to-income ratio. Based on a fixed-rate amortizing loan, it also shows the monthly payment, total repayment, and total interest.

Enter your loan principal, add-on annual rate, and repayment period (in years or number of payments) to instantly calculate the monthly payment, total interest, and total repayment. It also back-solves the effective APR so you can see at a glance how far it sits above the quoted rate.

Enter your monthly payment, add-on annual rate, and repayment term to back-solve the borrowable principal under the add-on interest method. It also shows total repayment, total interest, and an approximate effective APR.

See what effective APR each add-on rate from 1% to 15% works out to, broken down by repayment term. A free tool that makes the gap between an add-on loan's headline rate and its real cost instantly clear.

Just enter an interest rate and number of years to instantly get the capital recovery factor. Add a principal to also see the annual payout (principal x factor), plus its relationship to the present value annuity factor (its reciprocal).

Calculate the present value annuity factor from an interest rate and number of years. See how much principal you need today to receive a fixed amount every year, plus the capital recovery factor (its reciprocal).

Enter an interest rate and number of years to compute all six finance factors at once: future value, present value, annuity future value, sinking fund, capital recovery, and annuity present value. Add an amount to see worked examples.

From your monthly contribution, annual rate, and term, calculate the maturity value (principal + interest) and the lump-sum tax on the interest. See your after-tax payout instantly.

Estimate the after-tax maturity amount of a compound savings plan that is taxed every time interest accrues, from your monthly contribution, annual rate, term, and tax rate. Also shows total principal, after-tax interest, and the effective annual rate.

Combine monthly contributions with extra bonus-month contributions and estimate your after-tax payout under a model that taxes all investment gains in a lump sum at maturity. See principal, interest, tax, and the monthly vs. bonus breakdown at a glance.

A savings simulator that combines regular monthly contributions with lump-sum bonus contributions to estimate your maturity payout. Using a taxed-each-period compound model where tax is deducted every time interest accrues, it shows the after-tax payout, principal, and interest breakdown. The tax rate defaults to Japan's 20.315% flat withholding tax and can be changed freely.

Work out how much you need to save each month to reach a goal, based on the target amount, saving period and annual return. If you have current savings, their future value is subtracted to find the required amount.

Find the annuity future value factor from an interest rate and number of years. Enter your yearly contribution to also estimate how much regular saving will be worth in the future (future value = contribution × factor).

Find out how much to set aside each year to reach a future savings goal using the sinking fund factor. Enter an interest rate and number of years to get the factor, and add a target amount to auto-calculate the yearly deposit.

Calculate the future value and interest of a compound investment from your principal, annual rate, and term. Supports annual, semi-annual, quarterly, and monthly compounding, and shows the effective annual rate.

Work backward from a target future value, annual rate, and number of years to find the principal you need to invest today. Supports annual, semiannual, quarterly, and monthly compounding, and also shows the interest earned and effective annual rate.

Enter your principal, final balance, and the number of years to instantly back-calculate the annual compound interest rate. See at a glance what rate your investment or savings actually grew at, along with the total interest earned.

Find out how many years it takes to reach a target amount. Enter your principal, goal future value, and annual rate to solve for the time with yearly compounding.

Calculate simple interest and the total (principal plus interest) from a principal, annual rate, and term. Set the term in years plus extra days, and see the interest earned per year.

Work backward from a simple-interest total, annual rate, and term (years) to find the principal you need. Computed as principal = total / (1 + rate x years), with total interest shown alongside.

Enter the principal, maturity amount, and term in years to instantly back-solve the simple annual interest rate. See your earned interest and yield at a glance — ideal for checking the effective rate on deposits, loans, and bonds.

Calculate simple interest and the total amount from a principal, annual rate, and number of days. Uses 365-day daily accrual and can work out the days automatically from a start and end date.

Enter an annual rate to instantly convert it to monthly, daily, per-diem (interest on ¥100 per day), and effective annual rates. Great for comparing loans, card loans, and savings.

Compare simple and compound interest totals for the same principal, rate, and term. See the difference and year-by-year growth in a table and bar chart.

Compute the future value factor (1+r)^n from an interest rate and term. See instantly how much your principal grows, and get the future value automatically when you enter a principal.

Compute the present value factor (1+r)^-n from a rate and term, and instantly see the principal needed today to reach a future goal.

Enter a nominal annual rate and how often interest compounds (annually, semiannually, quarterly, monthly, or daily) to instantly get the effective annual rate (EAR). See how it differs from the nominal rate and the annual interest gap on a given principal.

Calculate future value (FV) from present value, annual rate and years using compound interest. Supports compounding frequency and periodic contributions, showing investment gain and effective annual rate at a glance.

Find out what money you'll receive in the future is worth today. Enter the future value, discount rate (annual), and number of years to get the present value (PV) instantly. Choose a compounding frequency too (annual, semiannual, quarterly, or monthly).

Estimate how much you can receive each year and month by drawing down your retirement payout evenly over a set number of years while it earns an annual return, using the capital recovery factor. See total received, investment gains, and the year-by-year balance.

Just enter your daily wage and daily work hours to instantly convert it into an hourly rate, plus an estimated monthly pay.

Convert a monthly salary into an hourly wage in seconds. Just enter your monthly pay, hours per day, and days per month to see your hourly rate, total monthly hours, and an estimated annual salary. Handy for comparing jobs and part-time offers.

Estimate your real hourly wage from your annual income, daily working hours, and yearly working days. Shows your monthly pay as a reference too.

Enter your hourly wage along with daily hours and monthly working days to instantly convert it into daily, monthly, and yearly pay. A quick way to estimate income for part-time, hourly, and temp work.

Find the tax-included total when 10% standard-rate and 8% reduced-rate items are mixed, calculating consumption tax separately for each rate category. You can also choose the rounding method.

Just enter the number of bills and coins by denomination to automatically total your cash on hand. Enter the book balance and you'll instantly see any overage or shortage — handy for register checks and denomination counting.

Just pick public or private for each stage from preschool to university (and national/public, private humanities, or private sciences for university) to instantly estimate the total education cost per child. See the breakdown by stage and total years of schooling at a glance.

Enter a bill's face value, annual discount rate, and discount days to instantly compute the discount charge and net proceeds. Supports specifying days by maturity date and shows the effective cost rate including collection fees.

Enter your sales, profit at each stage, total assets, and equity to instantly calculate gross, operating, and net margins along with key profitability ratios such as ROA and ROE.

Enter the current assets, quick assets, current liabilities, fixed assets, equity and total assets from a balance sheet (B/S) and instantly calculate key safety ratios: current ratio, quick ratio, equity ratio, fixed-assets-to-equity ratio and debt-to-equity ratio, each with its benchmark.

Enter net sales, total assets, trade receivables and inventory to instantly compute total asset turnover, receivables turnover and inventory turnover, plus each turnover period in days. See how efficiently your assets generate sales.

Just enter the previous and current period sales, ordinary profit, and total assets to instantly compute the sales, profit, and total-asset growth rates. See the change and growth rate for each metric in a single table and grasp a company's growth at a glance.

Enter your fixed costs, variable cost ratio, and target profit to instantly calculate the sales you need to reach that profit. It also shows your break-even sales and contribution margin ratio. A free tool for business plans and budgeting.

Just enter beginning inventory, purchases, and ending inventory to instantly calculate your cost of goods sold. Add sales revenue and it also works out gross profit, cost ratio, and gross margin.

Enter the total amount and the number of people to instantly work out how much each person pays. Choose a rounding unit and a rounding method (round up, round to nearest, round down), and see at a glance any change or shortfall the organizer is left with.

Just enter the total and the number of men and women to split the bill with different shares for each gender. Shows the amount per man and per woman plus each group's subtotal and the grand total. Works with a cost ratio (e.g. men 1.5 : women 1.0) or a fixed amount per man, and supports rounding to the nearest 100, 500 and more.

Just enter the total and each person's share to instantly split a bill by weighted ratios. Give the boss a bigger portion and juniors a smaller one, and get the per-person amount for any ratio. Supports rounding to 10s or 100s.

Fairly split a shared taxi fare by allocating each leg's cost across the riders on board, in the order they get out. Just enter the cumulative meter fare to each drop-off point and the number of riders, and each person's share is calculated automatically.

Enter your bill amount, a tip rate (10%, 15%, 18%, 20%, or any custom %), and the number of people, and instantly get the tip amount, total with tip, and the split per person. Handy for restaurants and travel.

Settle the golf Olympic game automatically. Just enter the value per point and each player's points to see who receives and who pays at a glance.

Enter GDP, net income from abroad, consumption of fixed capital, indirect taxes and subsidies to instantly compute GNP (GNI), NNP and National Income (NI). A step-by-step table makes the links between each concept easy to follow.

Enter any two of nominal GDP, real GDP, and the GDP deflator, and the third is calculated automatically. Convert between nominal and real values to strip out the effect of price changes.

Just enter last year's and this year's GDP to instantly compute the economic growth rate (year over year). Works with both nominal and real GDP, and adding the number of years gives you the multi-year compound annual growth rate (CAGR).

Just enter nominal and real GDP to compute the GDP deflator automatically. Add the prior-year deflator to also get the year-over-year inflation rate.

Enter the price and quantity demanded before and after a change to instantly compute the price elasticity of demand, with elastic vs. inelastic judgement and midpoint (arc) elasticity support.

Enter the output or labor input of two goods for two countries to find each country's opportunity cost and see which country holds the comparative advantage in each good.

Quickly work out the total deposits, amount of credit created, and money multiplier produced across the banking system from an initial deposit and a reserve ratio.

Enter the MPC and the increase in investment to instantly find the investment multiplier, tax multiplier, and the resulting rise in GDP (national income).

Calculate the maximum brokerage commission (incl. tax) a real estate agent in Japan can charge, from the sale price or the monthly rent.

Compare the water and gas cost of a full bath versus a shower. Just enter tub volume, shower flow and time, number of people, and unit prices to see which is cheaper per use and by how much.

Compare loyalty point rewards against an instant cash discount on the same purchase. Enter the reward rate and discount rate to see the net cost and difference for each.

Compare two products with different sizes by their unit price (price per g or ml) to instantly see which is the better deal, complete with the savings rate.

Compare two alcoholic drinks with different sizes and strengths by their cost per gram of pure alcohol. Instantly see which is the better value and by how much.

Enter the price and quantity of products that come in different sizes and instantly get the unit price (per 100 g, per 100 mL, or per piece). See which one is the best buy and a ranking sorted from cheapest to most expensive.

Estimate the payback period of a solar PV system, plus its annual savings and 20-year net benefit, from your installation cost, annual generation, self-consumption rate, electricity price, and feed-in tariff.

Enter a list price plus a percent off (%) or an amount off, and instantly get what you pay, the total discount, and the effective discount rate. Supports stacked discounts ("X% off, then another Y% off"), reward points, and tax-included or pre-tax prices.

Enter your annual mileage, both cars' fuel economy, the fuel price, and the price gap to instantly see how many years and kilometers it takes for fuel savings to pay back a hybrid's higher price. Compares annual fuel costs at a glance.

From a "X points per $Y charged" rule, instantly find the smartest top-up amount that covers what you need without waste, plus the points earned and your effective return.

Price European call and put options with the Black-Scholes formula. Enter spot price, strike, time to maturity, rate, and volatility to instantly get d1, d2, and the theoretical values.

Enter a share price along with EPS, BPS, dividends and net income to instantly compute the key stock metrics PER, PBR, ROE, dividend yield and payout ratio. Handy for judging whether a stock is cheap or expensive and for reviewing earnings.

Calculate a bond's simple yield to maturity, current yield, and redemption gain or loss from its face value, coupon rate, purchase price, and years to maturity.

Enter a coupon rate and years to maturity to see a lookup table of the simple yield to maturity as the purchase price (per 100 face value) changes. Instantly shows how a lower price means a higher yield.

Estimate a restaurant's monthly revenue from just seats, occupancy rate, table turnover, average spend, and open days. See daily sales, monthly customers, and yearly sales at a glance for business planning and break-even checks before opening.

Enter your monthly sales, food cost ratio, labor cost ratio, rent, and other expenses to instantly calculate a restaurant's operating profit. It also shows FL cost, FL ratio, and operating margin, with a full breakdown by percentage of sales.

Enter sales, food cost (F), and labor cost (L) to instantly calculate the FL ratio, a key restaurant management metric. See your F ratio, L ratio, and total FL cost at a glance, and check whether you stay within the typical 60% benchmark.

Just enter your sales and total labor hours to instantly calculate sales per labor hour (revenue per employee per hour). You can also derive it from staff count times hours per person, making it easy to check workforce productivity.

Enter your revenue and food cost to instantly calculate a restaurant's food cost ratio. It also shows your gross margin and gross profit, and works for the whole store or a single menu item (selling price and cost).

Enter your monthly sales target, seats, occupancy rate, average spend, and open days to instantly find how many table turns per day you need to hit your goal. It also shows the daily sales and number of customers required.

Estimate a comfortable rent budget from your monthly take-home pay or gross annual salary. See the rent cap, annual rent, and money left over at 20, 25, 30, and 33% of income, plus typical move-in costs.

Enter your starting principal, annual rate, term, and monthly contribution to estimate the future value, total contributions, and total interest. Switch between monthly and yearly compounding and view a year-by-year breakdown.

Enter your investment principal, expected annual return, expense ratio (annual fee), and holding period to see how ongoing costs affect your results. Compare the final value after fees with a fee-free scenario, and see the total fees paid, the gap in your final balance, and the effective annual rate after costs.

Enter your base monthly pay and the number of months' worth of bonus to instantly calculate the bonus amount. Add up summer and winter months to see your estimated annual bonus.

Enter your outstanding balance, annual percentage rate, and fixed monthly payment to instantly see how many months it takes to pay off revolving credit, the total finance charges (interest), and the total you will pay. Supports both fixed-total and fixed-principal methods so you can visualize why revolving balances take so long to clear.

Enter your starting retirement savings, an annual investment return, and a fixed monthly withdrawal to instantly see how long your money will last, the total you withdraw, the investment gains, and the age at which your savings run out.

Enter your purchase amount and annual percentage rate to instantly compute the installment fee and total cost for each number of installments (3 to 24). See the fee per 100, the monthly payment, and the total for every plan in one comparison table.

Enter your monthly rent and management fee, plus the deposit, key money, agent fee, first-month rent, and guarantor fee as a number of months, to instantly break down the move-in cost of a rental. See each item, the grand total, and how many months of rent it adds up to.

Work out how long it takes to reach a savings goal from your target amount, monthly saving and current savings. If interest applies, it is calculated with monthly compounding.

Enter an amount, an assumed inflation rate and a number of years to see its future real value and how much purchasing power it loses. Add an expected return to check whether your money beats inflation.

How much do you need to invest to earn ¥100,000 a month in dividends? Enter a target dividend income (monthly or yearly) and an assumed yield to work backwards to the required principal, in a taxable account (20.315% Japanese withholding tax) or a tax-free NISA account.

How much tax do you pay when selling stocks in Japan? Enter the purchase price, sale price and number of shares (plus optional fees) to calculate the capital gain, the 20.315% tax (15% income tax + 0.315% reconstruction surtax + 5% resident tax) and your after-tax proceeds.

Work backwards from your savings goal: enter the target amount, how many years you will invest, your monthly contribution, and any starting amount, to find the annual return (compounded monthly) you need to reach the goal.

Enter your current savings, monthly contribution, bonus contributions, expected return, and monthly spending to find the exact month you'll reach FIRE — and how many years and months away it is. It also lists your projected dates for hitting each net-worth milestone.

Enter your target annual spending and a safe withdrawal rate (like the 4% rule) to find the nest egg you need for FIRE. Add your current savings, monthly contribution, and expected return to estimate how many years it takes to get there.

Enter a property's price and its annual rental income and expenses to instantly calculate the gross yield and net yield. Add purchase costs for a yield estimate closer to reality.

Enter your current loan balance, rate, and remaining term, plus the new rate and closing costs, to instantly estimate your monthly and total savings. See whether refinancing pays off after costs.

Enter your annual income to estimate an affordable home price, loan amount, and monthly payment. Set your debt-to-income ratio (20%, 25%, 30%), interest rate, loan term, and down payment.

Enter your current and new gross annual salary to compare take-home pay side by side after social insurance, income tax, and resident tax. See how much your net pay actually goes up (or down) when you change jobs.

Enter the share price, the annual dividend per share, and the number of shares to instantly calculate the dividend yield (%), along with your total annual dividend income and the amount invested.

Answers "how many times my income can the mortgage be?" Enter your annual income, property price, and down payment to instantly see your loan-to-income multiple (loan ÷ income). It checks the result against the common 5–7× guideline and rates it comfortable, standard, slightly high, or high, and also shows the price-to-income multiple and down-payment ratio.

Enter the loan amount, annual interest rate, and term to instantly calculate an equal-principal (constant amortization) mortgage: the first and final monthly payment, total repayment, and total interest. The constant-principal method also shows a year-by-year table of principal, interest, and remaining balance.

Enter the loan amount, annual interest rate, and term to compare the equal-payment (annuity) and equal-principal (constant amortization) methods side by side: the monthly payment, total repayment, and total interest of each. See at a glance how much the two methods differ in total interest.

Enter the loan amount, term, fixed rate, and initial variable rate to compare a fixed-rate and a variable-rate mortgage side by side: total repayment, total interest, and monthly payment of each. Set an assumed scenario where the variable rate rises every few years and see at a glance which one costs less overall.

Enter the vehicle price, down payment, residual value, annual interest rate, and number of payments to instantly calculate a residual-value (balloon) car loan: the monthly payment, the final balloon (residual) payment, the total payment, and the total interest. Because interest is charged on the balance including the residual, this uses a dedicated balloon formula and also shows a year-by-year table of principal, interest, and balance.

Work out a sale price from a discount rate, or find the discount rate from a markdown amount — in either direction. Enter a price and a percent off or a discount amount to see the amount saved and the final price.

Enter your distance, fuel economy (km/L), and gas price (per liter) to instantly estimate the fuel cost of a drive. Supports round-trip calculation and splitting the cost per person.

Enter the deposit amount, annual interest rate, and term to instantly calculate the after-tax maturity value of a time deposit (fixed deposit). Switch between simple and yearly-compound interest, and see the breakdown of pre-tax interest, 20.315% withholding tax, and after-tax interest.