329 live tools
Finance & Money
Fees, margins, tax, interest, and payout math.
Fee, margin, and runway math for sellers, freelancers, and SaaS operators. Each calculator publishes the formula on the page so you can audit the result before you invoice, list, or spend. None of this is tax, lending, or investment advice.
Finance expansion 19 Feb 2027
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Zelle Payment Limit Calculator
Zelle Payment Limit. Browser-side only.
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Cash App Boost Savings Calculator
Cash App Boost Savings. Browser-side only.
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Venmo Business Profile Fee Calculator
Venmo Business Profile Fee. Browser-side only.
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Wise Multi-Currency Account Fee Calculator
Wise Multi-Currency Account Fee. Browser-side only.
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Payoneer Card Load Fee Calculator
Payoneer Card Load Fee. Browser-side only.
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Square Online Store Fee Calculator
Square Online Store Fee. Browser-side only.
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Afterpay Late Fee Calculator
Afterpay Late Fee. Browser-side only.
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Sezzle Installment Cost Calculator
Sezzle Installment Cost. Browser-side only.
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Affirm Pre-Qualification Estimator
Affirm Pre-Qualification. Browser-side only.
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Finance expansion 26 Feb 2027
Finance expansion 12 Mar 2027
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Merch by Amazon Tier Unlock Tracker
Merch by Amazon Tier Unlock. Browser-side only.
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Redbubble Base Price Margin Calculator
Redbubble Base Price Margin. Browser-side only.
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TeePublic Royalty Calculator
TeePublic Royalty. Browser-side only.
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Zazzle Royalty Calculator
Zazzle Royalty. Browser-side only.
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Society6 Product Margin Comparator
Society6 Product Margin Comparator. Browser-side only.
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Displate Metal Poster Royalty Calculator
Displate Metal Poster Royalty. Browser-side only.
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Threadless Artist Royalty Calculator
Threadless Artist Royalty. Browser-side only.
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Storenvy Shop Fee Calculator
Storenvy Shop Fee. Browser-side only.
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Shopify Payments Fee Calculator
Shopify Payments Fee. Browser-side only.
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BigCommerce Transaction Fee Calculator
BigCommerce Transaction Fee. Browser-side only.
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WooCommerce Payment Gateway Fee Comparator
WooCommerce Payment Gateway Fee Comparator. Browser-side only.
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Finance expansion 19 Mar 2027
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Squarespace Commerce Fee Calculator
Squarespace Commerce Fee. Browser-side only.
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Wix Stores Transaction Fee Calculator
Wix Stores Transaction Fee. Browser-side only.
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Ecwid Plan Cost Comparator
Ecwid Plan Cost Comparator. Browser-side only.
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Gumroad Membership Tier Calculator
Gumroad Membership Tier. Browser-side only.
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ConvertKit Subscriber Tier Cost Calculator
ConvertKit Subscriber Tier Cost. Browser-side only.
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Mailchimp Plan Cost Calculator
Mailchimp Plan Cost. Browser-side only.
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ActiveCampaign Plan Cost Comparison
Compare two user-entered ActiveCampaign quotes: monthly versus annual billing, add-ons, and cost per 1,000 contacts.
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Klaviyo SMS Credit Cost Calculator
Klaviyo SMS Credit Cost. Browser-side only.
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HubSpot Contact Tier Cost Estimator
HubSpot Contact Tier Cost. Browser-side only.
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Zapier Task Usage Calculator
Zapier Task Usage. Browser-side only.
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Make.com Operation Cost Calculator
Make.com Operation Cost. Browser-side only.
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Airtable Record Limit Tracker
Airtable Record Limit. Browser-side only.
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Notion AI Credit Usage Estimator
Notion AI Credit Usage. Browser-side only.
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Calendly Booking Conversion Rate Calculator
Calendly Booking Conversion Rate. Browser-side only.
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Acuity Scheduling Fee Calculator
Acuity Scheduling Fee. Browser-side only.
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Zoom Webinar Cost Calculator
Zoom Webinar Cost. Browser-side only.
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Google Workspace Storage Cost Calculator
Google Workspace Storage Cost. Browser-side only.
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Dropbox Storage Plan Comparator
Dropbox Storage Plan Comparator. Browser-side only.
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iCloud Storage Plan Comparator
iCloud Storage Plan Comparator. Browser-side only.
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AWS S3 Storage Cost Estimator
AWS S3 Storage Cost. Browser-side only.
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Finance expansion 26 Mar 2027
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Cloudflare R2 Storage Cost Estimator
Cloudflare R2 Storage Cost. Browser-side only.
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Vercel Bandwidth Usage Estimator
Vercel Bandwidth Usage. Browser-side only.
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Netlify Build Minutes Calculator
Netlify Build Minutes. Browser-side only.
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Domain Renewal Cost Comparator
Domain Renewal Cost Comparator. Browser-side only.
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SSL Certificate Renewal Cost Estimator
SSL Certificate Renewal Cost. Browser-side only.
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Web Hosting Overage Fee Calculator
Web Hosting Overage Fee. Browser-side only.
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GitHub Actions Minutes Cost Calculator
GitHub Actions Minutes Cost. Browser-side only.
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Docker Hub Pull Rate Limit Tracker
Docker Hub Pull Rate Limit. Browser-side only.
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NPM Package Bundle Size Estimator
NPM Package Bundle Size. Browser-side only.
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CDN Bandwidth Cost Estimator
CDN Bandwidth Cost. Browser-side only.
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Customer Lifetime Value (LTV) Calculator
Customer Lifetime Value (LTV). Browser-side only.
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Customer Churn Cost Calculator
Customer Churn Cost. Browser-side only.
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Subscription MRR Growth Calculator
Subscription MRR Growth. Browser-side only.
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Subscription ARR Calculator
Subscription ARR. Browser-side only.
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Finance expansion 2 Apr 2027
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SaaS Net Dollar Retention Calculator
SaaS Net Dollar Retention. Browser-side only.
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SaaS Gross Margin Calculator
SaaS Gross Margin. Browser-side only.
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Freemium Conversion Rate Calculator
Freemium Conversion Rate. Browser-side only.
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Trial-to-Paid Conversion Calculator
Trial-to-Paid Conversion. Browser-side only.
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Cohort Retention Curve Calculator
Cohort Retention Curve. Browser-side only.
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Product Qualified Lead (PQL) Score Calculator
Product Qualified Lead (PQL) Score. Browser-side only.
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Feature Adoption Rate Calculator
Feature Adoption Rate. Browser-side only.
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Multi-Level Marketing Payout Calculator
Multi-Level Marketing Payout. Browser-side only.
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Dropshipping Profit Margin Calculator
Dropshipping Profit Margin. Browser-side only.
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Print-on-Demand Shipping Cost Estimator
Print-on-Demand Shipping Cost. Browser-side only.
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Wholesale Pricing Markup Calculator
Wholesale Pricing Markup. Browser-side only.
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Bulk Order Discount Calculator
Bulk Order Discount. Browser-side only.
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Retail Markup vs Margin Calculator
Retail Markup vs Margin. Browser-side only.
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Finance expansion 9 Apr 2027
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Inventory Reorder Point Calculator
Inventory Reorder Point. Browser-side only.
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Economic Order Quantity (EOQ) Calculator
Economic Order Quantity (EOQ). Browser-side only.
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Safety Stock Level Calculator
Safety Stock Level. Browser-side only.
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Days Sales of Inventory (DSI) Calculator
Days Sales of Inventory (DSI). Browser-side only.
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Cash Conversion Cycle Calculator
Cash Conversion Cycle. Browser-side only.
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Quick Ratio (Acid Test) Calculator
Quick Ratio (Acid Test). Browser-side only.
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Current Ratio Calculator
Current Ratio. Browser-side only.
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Debt Service Coverage Ratio Calculator
Debt Service Coverage Ratio. Browser-side only.
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Loan-to-Value (LTV) Ratio Calculator
Loan-to-Value (LTV) Ratio. Browser-side only.
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Debt-to-Equity Ratio Calculator
Debt-to-Equity Ratio. Browser-side only.
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Interest Coverage Ratio Calculator
Interest Coverage Ratio. Browser-side only.
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Gross Profit Margin Calculator
Gross Profit Margin. Browser-side only.
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Operating Margin Calculator
Operating Margin. Browser-side only.
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Net Profit Margin Calculator
Net Profit Margin. Browser-side only.
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EBITDA Margin Calculator
EBITDA Margin. Browser-side only.
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Contribution Margin Calculator
Contribution Margin. Browser-side only.
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Payback Period Calculator
Payback Period. Browser-side only.
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Net Present Value (NPV) Calculator
Net Present Value (NPV). Browser-side only.
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Internal Rate of Return (IRR) Calculator
Internal Rate of Return (IRR). Browser-side only.
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Weighted Average Cost of Capital (WACC) Calculator
Weighted Average Cost of Capital (WACC). Browser-side only.
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Finance expansion 16 Apr 2027
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Terminal Value Calculator
Terminal Value. Browser-side only.
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Discounted Cash Flow (DCF) Calculator
Discounted Cash Flow (DCF). Browser-side only.
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Bond Coupon Payment Calculator
Bond Coupon Payment. Browser-side only.
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Zero-Coupon Bond Price Calculator
Zero-Coupon Bond Price. Browser-side only.
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Municipal Bond Tax-Equivalent Yield Calculator
Municipal Bond Tax-Equivalent Yield. Browser-side only.
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Treasury Bill Yield Calculator
Treasury Bill Yield. Browser-side only.
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CD (Certificate of Deposit) Maturity Calculator
CD (Certificate of Deposit) Maturity. Browser-side only.
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Money Market Account Yield Calculator
Money Market Account Yield. Browser-side only.
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High-Yield Savings APY Comparator
High-Yield Savings APY Comparator. Browser-side only.
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Credit Card Rewards Value Calculator
Credit Card Rewards Value. Browser-side only.
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Credit Card Balance Transfer Savings Calculator
Credit Card Balance Transfer Savings. Browser-side only.
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Credit Card APR Interest Calculator
Credit Card APR Interest. Browser-side only.
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Personal Loan Payoff Calculator
Personal Loan Payoff. Browser-side only.
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Motorcycle Loan Payment Calculator
Motorcycle Loan Payment. Browser-side only.
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Boat Loan Payment Calculator
Boat Loan Payment. Browser-side only.
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HELOC Payment Calculator
HELOC Payment. Browser-side only.
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Reverse Mortgage Estimator
Reverse Mortgage. Browser-side only.
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Mortgage Points Break-Even Calculator
Mortgage Points Break-Even. Browser-side only.
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Mortgage PMI Removal Calculator
Mortgage PMI Removal. Browser-side only.
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Property Tax Proration Calculator
Property Tax Proration. Browser-side only.
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Finance expansion 23 Apr 2027
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Closing Cost Estimator
Closing Cost. Browser-side only.
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Escrow Account Shortage Calculator
Escrow Account Shortage. Browser-side only.
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Home Equity Growth Calculator
Home Equity Growth. Browser-side only.
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1031 Exchange Deadline Calculator
Calculate 45-day identification and 180-day exchange dates, with the earlier tax return deadline.
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Real Estate Depreciation Schedule Calculator
Real Estate Depreciation Schedule. Browser-side only.
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Airbnb Host Occupancy Rate Calculator
Airbnb Host Occupancy Rate. Browser-side only.
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Airbnb Cleaning Fee Split Calculator
Airbnb Cleaning Fee Split. Browser-side only.
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Vacation Rental Break-Even Calculator
Vacation Rental Break-Even. Browser-side only.
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Co-Working Space Cost-Per-Desk Calculator
Co-Working Space Cost-Per-Desk. Browser-side only.
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Office Lease Cost Per Square Foot Calculator
Office Lease Cost Per Square Foot. Browser-side only.
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Commercial Real Estate Cap Rate Calculator
Commercial Real Estate Cap Rate. Browser-side only.
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Parking Space ROI Calculator
Parking Space ROI. Browser-side only.
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Storage Unit Rental Cost Comparator
Storage Unit Rental Cost Comparator. Browser-side only.
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Moving Truck Rental Cost Estimator
Moving Truck Rental Cost. Browser-side only.
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Long-Distance Moving Cost Estimator
Long-Distance Moving Cost. Browser-side only.
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Pet Relocation Cost Estimator
Pet Relocation Cost. Browser-side only.
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International Shipping Customs Duty Estimator
International Shipping Customs Duty. Browser-side only.
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Freight Shipping Cost Per Pound Calculator
Freight Shipping Cost Per Pound. Browser-side only.
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LTL Freight Class Calculator
LTL Freight Class. Browser-side only.
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Container Shipping Cost Estimator
Container Shipping Cost. Browser-side only.
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Finance expansion 30 Apr 2027
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Import Tariff Calculator
Import Tariff. Browser-side only.
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Export Documentation Fee Estimator
Export Documentation Fee. Browser-side only.
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Currency Hedging Cost Estimator
Currency Hedging Cost. Browser-side only.
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Cryptocurrency Gas Fee Estimator
Cryptocurrency Gas Fee. Browser-side only.
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Bitcoin Transaction Fee Calculator
Bitcoin Transaction Fee. Browser-side only.
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Ethereum Gas Price Calculator
Ethereum Gas Price. Browser-side only.
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NFT Minting Cost Calculator
NFT Minting Cost. Browser-side only.
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Crypto Wallet Transfer Fee Comparator
Crypto Wallet Transfer Fee Comparator. Browser-side only.
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Stablecoin Peg Deviation Tracker
Stablecoin Peg Deviation. Browser-side only.
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DeFi Yield Farming APY Calculator
DeFi Yield Farming APY. Browser-side only.
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Crypto Tax Capital Gains Calculator
Crypto Tax Capital Gains. Browser-side only.
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Stock Options Vesting Cliff Calculator
Stock Options Vesting Cliff. Browser-side only.
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Restricted Stock Unit (RSU) Tax Calculator
Restricted Stock Unit (RSU) Tax. Browser-side only.
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Employee Stock Purchase Plan (ESPP) Calculator
Employee Stock Purchase Plan (ESPP). Browser-side only.
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401k Early Withdrawal Penalty Calculator
401k Early Withdrawal Penalty. Browser-side only.
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IRA Required Minimum Distribution Calculator
IRA Required Minimum Distribution. Browser-side only.
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Pension Survivor Benefit Calculator
Pension Survivor Benefit. Browser-side only.
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Disability Insurance Elimination Period Calculator
Disability Insurance Elimination Period. Browser-side only.
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Long-Term Care Insurance Cost Estimator
Long-Term Care Insurance Cost. Browser-side only.
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Pet Insurance Premium Comparator
Pet Insurance Premium Comparator. Browser-side only.
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Finance expansion 7 May 2027
Gig, hosting and creator storefronts
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Grubhub Driver Earnings Estimator
Contribution plus tips minus fuel from miles, MPG, and gas price, with hourly after gas.
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Uber Driver Take-Home Pay Estimator
Trip fares plus tips minus Uber service fee percent and fuel, with after-gas hourly.
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Lyft Driver Take-Home Pay Estimator
Lyft ride earnings plus tips minus commission percent and fuel, separate from Uber fee math.
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Amazon Flex Earnings Estimator
Block offer minus fuel from miles, MPG, and gas, with pay per hour and per stop.
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Airbnb Host Payout Calculator
Nightly rate times nights minus 3% host-only service fee, cleaning, and occupancy tax you absorb.
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Vrbo Host Fee Calculator
Stay subtotal minus Vrbo owner commission percent (default 8%) and optional channel extras.
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Turo Car-Share Host Earnings Calculator
Trip price times host keep percent (90 / 75 / 60 plans) minus extras you pay, not Airbnb nightly math.
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Rover Pet-Sitting Earnings Calculator
Booking total minus Rover's default 20% service fee, optional supplies, per-night or per-walk net.
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TaskRabbit Tasker Earnings Calculator
Tasker hourly times hours minus supplies and optional platform percent. Client Trust and Support is not subtracted.
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Gumroad Seller Fee Calculator
Sale price minus Gumroad's 10% platform fee (processing included on the default) and optional VAT you remit.
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Teachable Course Revenue Calculator
Course price minus Teachable transaction percent (10% / 5% / 0%) and Stripe 2.9% + $0.30.
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Thinkific Payout Estimator
Course price minus card processing only (default 2.9% + $0.30). Thinkific does not take a transaction percent.
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Kajabi Membership Revenue Calculator
Monthly members times price minus card processing and Kajabi plan cost allocated to the month.
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Udemy Instructor Revenue Share Calculator
Student payment times 37% marketplace or 97% instructor-coupon/organic share, minus optional promo extras.
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Redbubble Royalty Calculator
Retail minus Redbubble base, or artist percent of retail. Default uses markup (retail - base) as the artist royalty.
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Society6 Artist Royalty Calculator
Retail times artist percent (default 10%) plus optional flat bonus. Not Redbubble markup math.
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Printful Print-on-Demand Margin Calculator
Retail minus Printful product cost, shipping, and payment percent. You own the storefront, unlike Redbubble.
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Printify Profit Margin Calculator
Retail minus Printify provider cost, shipping, and payments. Routing across providers is why this is not Printful.
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StockX Seller Fee Calculator
Ask price minus 9% transaction (level editable) minus 3% payment processing. Not GOAT's 9.5% default.
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GOAT Seller Fee Calculator
Sale price minus 9.5% commission (editable) minus 2.9% payment processing. Intentionally not StockX 9% + 3%.
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Resale, hiring, insurance and FIRE
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Grailed Seller Fee Calculator
Item price minus 9% Grailed seller fee minus 3% payment processing. Fashion peer-to-peer, no StockX authentication hold.
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Vinted Seller Fee Calculator
Default 0% seller fee because Vinted buyer protection is often charged to the buyer. Optional mode subtracts shipping you absorb.
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ThredUp Payout Estimator
Listed price times consignment payout percent (default 15%) minus optional kit or cleanout fee. Not a Grailed-style seller marketplace cut.
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99designs Contest Prize Split Calculator
Designer prize times your share percent (default 100%). 99designs takes $0 from the designer prize when the client paid the listing. Optional co-designer split.
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LinkedIn Premium ROI Calculator
Value from extra clients or deals attributed to Premium minus subscription cost, then ROI = (value - cost) / cost.
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Indeed Sponsored Job Cost Estimator
CPC times clicks for campaign cost, then cost per apply and cost per hire. Not a ZipRecruiter monthly slot.
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ZipRecruiter Cost-Per-Hire Calculator
Months times slot price times slot count, divided by hires. Flat membership math, not Indeed CPC.
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401(k) Employer Match Calculator
Salary times a common match: 100% of the first 3% plus 50% of the next 2%. Returns match dollars and employee plus match in-plan.
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Social Security Benefit Estimator
VERY ROUGH: monthly AIME times a 40% replacement placeholder to mimic a PIA-like monthly, times 12 for annual. Not SSA.gov bend points.
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HSA Contribution & Tax Savings Calculator
HSA contribution times combined federal plus state marginal rates. Also shows after-tax paycheck cost.
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FSA Use-It-or-Lose-It Tracker
Annual election minus spent, then daily spend needed over days left. Optional rollover dollars are ignored unless you check the box.
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Term vs Whole Life Insurance Cost Calculator
Term annual premium times years versus whole-life annual times years, then the difference minus optional cash value.
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Disability Insurance Needs Calculator
Target benefit = salary times replacement percent minus existing disability and optional SS disability. Also shows a spend gap after other income.
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Umbrella Insurance Cost Estimator
Coverage divided by $1,000 times an editable planning rate (default $0.15 per $1,000). Not a homeowners premium.
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Renters Insurance Premium Estimator
Personal property value divided by $1,000 times an editable rate (default $5 per $1,000 of contents). Deductible is shown, not priced. Not homeowners dwelling.
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Homeowners Insurance Premium Estimator
Dwelling replacement divided by $1,000 times an editable rate (default $3.50 per $1,000) plus optional liability add-on. Not renters contents math.
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Extended Warranty Value Calculator
Failure probability times repair cost, minus warranty price. Expected value of repair versus cost, with a skip/consider note.
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Credit Utilization Ratio Calculator
Sum of card balances divided by sum of limits across three cards. Default $400/$2,000, $900/$5,000, $0/$1,500. Not debt-to-income.
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Debt-to-Income Ratio Calculator
Monthly debts divided by gross monthly income. Optional front-end housing payment over the same gross. Not credit utilization.
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FIRE Number Calculator
Annual spend divided by safe-withdrawal percent (default 4%) for a FIRE number. Optional 0% runway from current savings.
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Withdrawal, investing, loans and household projects
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Safe Withdrawal Rate 4% Calculator
Annual and monthly withdrawal from a nest egg at a chosen safe withdrawal rate. Default 4% of $1,000,000.
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Sequence-of-Returns Risk Simulator
One crash year then constant returns, minus a fixed annual withdrawal. Compares ending value to a no-crash path.
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Stock Dollar-Cost Averaging Calculator
Monthly stock buys with linear price interpolation from start to end. Shares, average cost, end value, and P/L.
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Dividend Yield Calculator
Annual dividend per share divided by price. Yield only, no reinvestment compounding.
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P/E Ratio Calculator
Price divided by earnings per share, optional industry P/E gap. Not book value and not P/B.
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Book Value Per Share Calculator
Shareholders equity divided by shares. Optional price for P/B. Not a P/E ratio.
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Bond Yield to Maturity Calculator
Textbook YTM approximation (C + (F-P)/n) / ((F+P)/2). Flag: not an IRR / Newton solver.
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Bond Duration Calculator
Macaulay duration from annual coupon PV cash flows, n capped at 15. Simplified annual, not a full yield-curve model.
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Annuity Payout Calculator
Amortizing payout PMT = P x r / (1-(1+r)^-n). Monthly uses r = annual/12. Not an insurance quote.
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Pension Lump Sum vs Annuity Calculator
Present value of a monthly pension versus a lump sum at a discount rate. States which PV is higher.
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529 vs UTMA UGMA Comparison Calculator
Same monthly deposits at 7%: 529 future value versus UTMA after 15% tax on gains. Not a 529 growth-only page.
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Income-Driven Student Loan Repayment Calculator
Simplified IDR: 10% of (AGI minus poverty) / 12. Rough payoff years = balance / annual payment. Not SAVE/IBR.
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Student Loan Refinance Savings Calculator
Same term EMI at an old rate versus a new rate on a student-loan balance. Monthly and total interest delta.
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PSLF Eligibility Tracker
Certified years toward 10 and payments toward 120. Remaining counts and a years/10 score. Not a DOE forgiveness dollar amount.
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Scholarship ROI Calculator
Net gain = award minus hours times hourly time value. ROI = net / time cost.
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Wedding Budget Calculator
Guests times per-guest spend plus venue plus extras. All-in cost per guest.
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Funeral Cost Estimator
Service, casket, cemetery, and extras summed. Typical US planning total, not a funeral-home quote.
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Moving Cost Estimator
Movers plus truck plus gas plus boxes. Line-item DIY stack, not a $0.80/mile van-line tariff.
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Home Renovation ROI Calculator
Value add over cost (recoup percent) and net. Kitchen vs bath is a label only; the formula does not change.
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Solar Panel Payback Period Calculator
Years = net system cost / annual bill savings. Incentives already netted in the cost field. Degradation ignored.
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Spending, housing, markets and startup instruments
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EV vs Gas Total Cost of Ownership Calculator
Purchase plus years of energy, maintenance, and insurance for an EV versus a gas car. Not a single charging-session bill.
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Gym Membership Cost Per Workout Calculator
Monthly dues plus initiation amortized over months, divided by visits, so a $49 plan has a real per-workout price.
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Subscription Creep Cost Tracker
Four monthly subscription slots summed and annualized, plus a count of slots that still have a price.
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50/30/20 Budget Calculator
Income times 50/30/20 targets for needs, wants, and saving, then a gap versus the actual amounts you type.
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Envelope Budgeting Planner
Three cash envelopes with a budget and spent amount each, remaining dollars, and an overspent flag.
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Sinking Fund Savings Calculator
Goal minus already saved, divided by months, for a known future bill such as insurance or a holiday.
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Layaway Payment Plan Calculator
Item price minus down payment plus layaway fee, divided by weeks, for a store hold plan rather than a loan EMI.
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Rent vs Buy Break-Even Calculator
Five-year rent cash versus down payment plus buy-side housing minus estimated equity.
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Roommate Rent Split Calculator
Rent plus utilities split equally n ways, or by room weights 1 / 1.2 / 0.8 for three rooms.
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Security Deposit Interest Calculator
Compound interest on a security deposit at a stated annual rate, with a jurisdiction flag that this is not legal advice.
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HOA Fee Impact Calculator
Monthly HOA times years, plus HOA as a share of PITI plus HOA, and annual HOA versus home price.
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Timeshare True Cost Calculator
Purchase plus years of maintenance, divided by weeks used, versus a hotel-week at a nightly rate times 7.
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Forex Pip Value Calculator
Pip value from contract size and pip size. USD-quote pairs use contract x pip; otherwise divide by the quote rate.
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Covered Call Income Calculator
Call premium times shares, yield versus stock value, plus optional assignment gain if shares are called away.
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Index Fund Expense Ratio Impact Calculator
Future value of a lump sum at a stated return minus two expense ratios. Compares fund ERs only, not a robo wrap.
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Robo Advisor Fee Comparison Calculator
Future value with a robo wrap plus ETF ER versus a self-directed ETF-only ER. This page adds the advisor wrap on purpose.
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Stock Vesting Schedule Calculator
Grant shares times months elapsed over the vest term, zero before the cliff. This is a share schedule, not vested-share dollar value.
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SAFE Note Conversion Calculator
SAFE principal converted at the cheaper of cap price and discounted priced-round price. Simplified, no interest.
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Convertible Note Conversion Calculator
Note principal plus simple interest, then the same cap-versus-discount conversion as a SAFE. Interest is the difference.
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Merchant Cash Advance True Cost Calculator
Factor-rate payoff and a comparison APR from fee, advance, and days. Flagged because an MCA is not a TILA loan APR.
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Creator tax and deal sheets
Payment & processor fees
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PayPal Fee Calculator
Exact net, gross, and invoice amount after PayPal fees.
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Stripe Fee Calculator
Domestic, international, FX, and ACH fees - net payout and invoice gross-up.
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Upwork Fee Calculator
Per-contract 0% to 15% freelancer service fee, withdrawals, tax, and inverse invoice gross-up.
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Merchant Processor Interchange-Plus Fee Calculator
Processor cost from interchange percent, per-item, and markup on a ticket and monthly volume.
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Venmo Fee Calculator
Goods-and-services 1.9% + $0.10 plus optional instant cash-out at 1.75% (min $0.25, max $25).
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Cash App Fee & Instant Transfer Calculator
Instant cash-out at a chosen percent (default 1.75%, min $0.25), plus 2.75% business receive and 3% card-send.
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Zelle Transfer Limit Tracker
Remaining daily and monthly Zelle capacity after amounts already sent, plus whether a next payment fits.
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Wise International Transfer Fee Calculator
Net received from send amount, variable percent, fixed fee, and mid-market rate you paste from a Wise quote.
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Payoneer Withdrawal Fee Calculator
Net after Payoneer local-bank, ACH, or SWIFT withdrawal fees on a balance you already received.
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Square Invoice Fee Calculator
Net on a Square invoice after Free-plan card 3.3% + $0.30 or ACH 1% ($1 minimum).
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Klarna BNPL Cost Calculator
Pay in 4 schedule at 0% APR versus longer Klarna financing with simple interest, plus optional merchant fee.
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Afterpay Installment Cost Calculator
Four equal Afterpay payments on the order total, plus optional late fees if you miss a payment.
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Marketplace & ecommerce fees
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Etsy Profit Margin Calculator
Listing, 6.5% transaction, payments, Offsite Ads, COGS, and postage vs net profit.
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Shopify Profit Margin Calculator
Plan-tier gateway fees, COGS, and ads vs profit per item and monthly net.
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Amazon FBA Fee Calculator
Referral, FBA fulfillment, unit margin, and ROI after COGS and inbound.
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eBay Profit & Final Value Fee Calculator
Net after eBay final-value percent, per-order fee, shipping you ate, and COGS.
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Mercari Fee & Net Earnings Calculator
Seller net after Mercari selling fee and shipping you cover versus buyer-paid labels.
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Poshmark Sales Profit Calculator
Net after Poshmark commission, shipping discount you offer, and item cost.
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Amazon FBA Storage Fee Estimator
Monthly and aged storage from cubic feet, rate per cu ft, and long-term surcharge.
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Amazon Merch by Demand Royalty Calculator
Royalty per shirt from list price minus Amazon product cost on Merch on Demand.
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Etsy Listing Fee Renewal Estimator
Monthly listing cash from active listings, $0.20 auto-renews, and optional auto-renew on sale.
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Walmart Marketplace Fee & Margin Calculator
Net after referral percent, per-item fee, fulfillment, COGS, and ads.
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WooCommerce vs Shopify Monthly Fee Comparison Tool
Monthly platform plus gateway cost on the same GMV for a Woo stack versus a Shopify plan.
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Depop Seller Fee Calculator
US Depop processing 3.3% + $0.45 with 0% commission, versus UK 10% commission plus processing you paste.
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OfferUp Seller Fee Calculator
Local 0% versus shipped OfferUp selling fee (default 12.9%) on item price, plus optional shipping you absorb.
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Facebook Marketplace Shipping Fee Estimator
Seller net from item price, shipping charged, actual label cost, and an optional Marketplace selling percent.
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Fiverr Seller Fee & Net Earnings Calculator
Seller net after Fiverr’s 20% commission on the order amount, with optional extra gig extras.
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Freelance & small business
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Freelance Rate & Project Scope Calculator
Hourly, daily, and project quotes after tax, PTO, overhead, and profit margin.
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Side Hustle Tax Estimator (1099)
Self-employment tax and a rough federal income-tax band on 1099 profit after expenses.
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Invoice Late Fee Penalty Calculator
Flat fee plus periodic interest on an unpaid invoice after the grace period.
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Small Business Loan SBA Payment Estimator
Estimated monthly payment and total interest on an SBA-style amortizing term loan.
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Toptal Freelancer Rate Calculator
Freelancer take-home from a client bill rate, hours, and a keep-percent you enter because Toptal does not publish the split.
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Payoneer Withdrawal Fee Calculator
Net after Payoneer local-bank, ACH, or SWIFT withdrawal fees on a balance you already received.
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Investing & wealth
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Crypto Profit/Loss Calculator
Buy vs sell price, fees, and P/L.
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Compound Interest Calculator
Principal, rate, and compounding periods.
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ROI Calculator
Simple ROI, net profit or loss, and annualized CAGR from initial, final, and years.
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College Savings & 529 Growth Calculator
Future value of a 529-style account from seed, monthly contributions, years, and assumed return.
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Roth IRA vs Traditional IRA Growth Calculator
After-tax future value of Roth versus traditional at a chosen withdrawal tax rate.
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Dividend Reinvestment (DRIP) Calculator
Share count and ending value when dividends are reinvested at a constant yield and price growth.
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Stock Option & RSU Value Estimator
Gross and after-tax value of RSUs or options from shares, FMV, strike, and a flat tax rate.
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Inflation Adjusted Purchasing Power Calculator
What today's dollars buy after N years at a constant inflation rate, and the real value of a future sum.
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Inflation Impact Savings Calculator
Real ending value of a savings balance when the yield is below (or above) inflation.
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Stock Option Exercise Cost & AMT Tax Estimator
Cash to exercise plus a rough AMT on the ISO bargain element at a flat AMT rate.
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Crypto Staking Yield & APY Calculator
Projected token and USD value from principal, APY, compound frequency, and lock months.
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Crypto Dollar-Cost Averaging (DCA) Return Estimator
Average cost and paper P/L from equal buys over N periods at a start and end price path.
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Crypto Liquidity Pool Impermanent Loss Calculator
Impermanent loss versus HODL for a 50/50 pool when one asset moves relative to the other.
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Core business math
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Simple Loan EMI Calculator
Monthly EMI, interest, and tenure.
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Discount & Sales Price Calculator
Percent off, sale price, and original price.
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VAT / GST Tax Calculator
Tax-inclusive and tax-exclusive amounts.
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Break-Even Calculator
Monthly units and revenue to cover fixed costs after contribution margin.
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ROAS Calculator
Platform ROAS vs true net profit after COGS, payment fees, and shipping.
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Gross Margin vs Markup Percentage Converter
Convert markup on cost to gross margin on price, and the reverse, with dollar examples.
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SaaS & startup metrics
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SaaS LTV Calculator
Churn, LTV, LTV:CAC ratio, CAC payback, and 12-month revenue.
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Startup Runway Calculator
Month-by-month cash runway from burn, revenue growth, and capex - plus zero-cash date.
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Churn Rate Calculator
Logo churn, gross and net revenue churn, retention, and implied customer lifespan.
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CAC Payback Calculator
Gross-margin-adjusted CAC payback, capital-adjusted months, and LTV:CAC preview.
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Burn Multiple & Capital Efficiency Calculator
Burn multiple from net burn over net-new ARR in the same period.
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SaaS Rule of 40 Benchmark Calculator
Growth plus profit margin versus the Rule of 40 line, with the gap in points.
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SaaS Magic Number Calculator
Sales efficiency from this-quarter net-new ARR versus last-quarter S&M spend.
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Net Revenue Retention (NRR) Calculator
NRR from starting ARR, expansion, contraction, and churned ARR.
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Expansion MRR & Contraction Calculator
Net MRR movement from new, expansion, reactivation, contraction, and churn.
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Customer Lifetime Value to CAC Ratio Calculator
LTV:CAC from ARPU, gross margin, monthly churn, and fully loaded CAC.
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Business operations
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Working Capital Calculator
Net working capital, current ratio, and quick ratio from cash, AR, inventory, and payables.
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Consulting Retainer Pricing Calculator
Monthly retainer from hours reserved, billable rate, utilization, and a risk buffer.
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Employee Turnover Cost Estimator
Replacement cost from salary, vacancy months, recruiting, and ramp productivity loss.
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Employee vs Contractor Cost Comparison Tool
Fully loaded W-2 cost versus 1099 bill rate for the same monthly hours.
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Equipment Depreciation Calculator (MACRS / Straight-Line)
Year-1 deduction under straight-line or 5-year MACRS half-year for a piece of equipment.
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Inventory Holding Cost Calculator
Annual carrying cost from average inventory value, storage, capital, shrink, and service.
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Inventory Turnover Ratio Calculator
Turns and days on hand from COGS and average inventory.
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Accounts Receivable Turnover Calculator
AR turns from credit sales and average receivables, with implied collection days.
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Days Sales Outstanding (DSO) Calculator
DSO from ending AR and a chosen trailing sales window (30, 60, or 90 days).
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Enterprise Value (EV) to EBITDA Calculator
EV and EV/EBITDA from equity value, net debt, and trailing EBITDA.
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Personal finance & debt
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Mortgage Payment & Amortization Calculator
Monthly principal and interest, total interest, and payoff from loan amount, APR, and term.
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Debt Payoff Snowball vs Avalanche Calculator
Compare snowball and avalanche payoff months and interest on two debts plus extra payment.
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Car Lease vs Buy Calculator
Compare total cash out for a lease versus a loan purchase over the same term.
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Emergency Fund Savings Goal Calculator
Months of expenses to a target fund, monthly save amount, and date you hit the goal.
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Auto Loan Payment & Depreciation Calculator
Monthly car payment versus estimated residual value so you can see equity at a chosen year.
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Refinance Break-Even & Savings Calculator
Months to recoup closing costs and lifetime interest saved versus keeping the current loan.
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Personal Net Worth Calculator
Assets minus liabilities across cash, investments, home equity, and common debts.
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Credit Card Minimum Payment vs Payoff Calculator
Months and interest if you pay only the minimum versus a fixed extra payment.
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Real estate
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Rental Property Cash Flow & Cap Rate Calculator
NOI, cap rate, cash-on-cash, and monthly cash flow from rent, expenses, and financing.
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Commercial Lease Rate Calculator (per SQFT)
Annual and monthly rent from rentable square feet, rate per SF, and extra NNN or CAM load.
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Property Tax Estimator & Comparison Tool
Estimated annual and monthly tax from assessed value and millage, plus a second-jurisdiction compare.
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Home Affordability & Max Income Ratio Calculator
Max purchase price from income, debts, rate, and a chosen housing-ratio cap (28/36 style).
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Real Estate Agent Commission Split Calculator
Listing and buyer-side dollars from sale price, total commission, and office split.
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Hard Money Loan Interest Calculator
Prepaid points, monthly interest, and annualized cost on a short-term hard-money loan.
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Crowdfunding & gig earnings
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GoFundMe Platform Fee Calculator
Organizer net after 2.9% + $0.30 payment processing. US platform fee is $0. Optional donor tip does not reduce the organizer.
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Kickstarter Fee & Payout Estimator
Creator payout after 5% Kickstarter fee plus 3% + $0.30 processing per pledge on a successfully funded US campaign.
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Indiegogo Fee & Payout Calculator
Creator payout after 5% Indiegogo platform fee plus 3% + $0.20 processing per transaction.
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Instacart Shopper Earnings Estimator
Take-home from batch pay, tips, miles, MPG, and hours. Not an Instacart API and not a guaranteed wage.
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DoorDash Dasher Earnings Estimator
Dasher take-home from base pay, peak pay, tips, miles, fuel, and hours after gas.
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Uber Eats Delivery Earnings Estimator
Courier net from offer pay, tips, miles, fuel, and hours. Uber’s customer service fee is not your offer.
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Affirm Installment Interest Calculator
Monthly Affirm payment, total interest, and total paid from purchase amount, APR, and term months.
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Ecommerce profitability
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Subscription Box Profitability Calculator
Per-box contribution and monthly net after COGS, pick-pack, shipping, and payment fees.
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Product Packaging Box Dimension & Shipping Weight Calculator
Dimensional weight versus actual weight so you can see which one a carrier will bill.
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Free Shipping Threshold Profitability Estimator
Margin after you gift shipping once the cart crosses a free-shipping threshold.
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Return Rate Cost & Margin Impact Calculator
True margin after a return rate, outbound cost you cannot reclaim, and restock fees.
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E-Commerce Cart Abandonment Recovery Loss Estimator
Lost GMV and recoverable dollars from sessions, add-to-cart rate, abandon rate, and AOV.
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