Finance Calculators
Tutti gli strumenti finanziari in un’unica pagina: prestiti e mutui, investimenti e valutazioni, pensioni, buste paga e costo della vita, tassazione (USA/UK/EU/Canada), real estate e trading. Ogni calcolatore offre formule trasparenti e risultati istantanei per decisioni rapide e informate.
APR Calculator
Convert nominal rates and fees into true APR.
Credit Card Payoff
Pick snowball/avalanche and see interest saved.
Debt Consolidation Calculator
Compare consolidation vs. current debts.
Debt-to-Income (DTI) Ratio
Debt vs. income for underwriting.
Loan Amortization Schedule
Full table with principal/interest split.
Loan Payoff Calculator
Extra payments → earlier payoff.
Personal Loan Calculator
Unsecured loans with fees.
Simple Loan Calculator
Payment, total interest, timeline.
Student Loan Calculator
Standard & IDR plans.
Biweekly Mortgage Payment
Time/interest saved vs. monthly.
Closing Costs Calculator
Estimate lender, title, prepaids.
Down Payment Calculator
Impact on LTV, PMI, monthly cost.
FHA Loan Calculator
Upfront & annual MIP.
HELOC Calculator
Draw/repayment, variable rates.
House Affordability Calculator
Budget via income, debts, DP.
Mortgage Payoff Calculator
Extra principal accelerates payoff.
Mortgage Payment Calculator
Estimate PITI incl. PMI/HOA.
Mortgage Refinance Calculator
Break-even & savings after costs.
Rent vs. Buy Calculator
Ownership vs. renting trade-offs.
Reverse Mortgage Calculator
Proceeds & non-recourse limits.
VA Loan Calculator
Funding fee, zero down options.
Annuity Calculator
Price/value fixed annuities.
CD (Certificate of Deposit)
Maturity value & early penalties.
Compound Interest
Growth with contributions.
Future Value (FV)
FV of lumps & annuities.
IRR (Internal Rate of Return)
IRR for uneven cash flows.
Modified IRR (MIRR)
Financing/reinvestment rates.
NPV (Net Present Value)
Discounted project value.
Payback Period
Time to recover investment.
Present Value (PV)
Discount future cash flows.
Profitability Index (PI)
Value per unit invested.
Investment Return (ROI)
Absolute/annualized returns.
Savings Calculator
Plan to target balance/date.
SEO ROI Calculator
From traffic to LTV.
401(k) Calculator
Contributions & employer match.
Early Retirement (FIRE)
Timeline via savings rate.
HSA (Health Savings Account)
Tax-advantaged medical saving.
IRA Calculator
Traditional vs. Roth.
Pension Calculator
Defined-benefit projections.
Pension Payout Options
Single-life vs. J&S.
Retirement Calculator
Nest egg, withdrawals, success.
RMD (Required Minimum Distribution)
Annual RMD by age/account.
Roth Conversion Calculator
Today vs. future taxes.
Roth IRA Calculator
After-tax benefits.
Social Security Calculator
Claiming age & break-even.
Alternative Minimum Tax (AMT)
Compare regular vs. AMT.
Child Tax Credit
Phaseouts & refundable parts.
Earned Income Tax Credit (EITC)
Estimate refundable credit.
Estate Tax Calculator
Exemption, portability, deductions.
Federal Income Tax (Head of Household)
HoH thresholds & credits.
Federal Income Tax (Married Filing Jointly)
Joint filing brackets & credits.
Federal Income Tax (Single)
Brackets, credits, deductions.
Gift Tax Calculator
Annual exclusion & lifetime cap.
Capital Gains Tax (Long-Term)
Preferential rates & NIIT.
Medicare Tax Calculator
Base + Additional Medicare.
Paycheck Calculator
Net pay with taxes/benefits.
Self-Employment Tax Calculator
SE tax & half-deduction.
Capital Gains Tax (Short-Term)
Ordinary-income rates (≤1y).
Social Security Tax Calculator
FICA wage base & rates.
W-4 Withholding Calculator
Target neutral refund/balance.
Accedi rapidamente ai calcolatori delle imposte statali e locali (income & sales). Seleziona il tuo Stato nella pagina dedicata.
Calcolatori per UK (Income, PAYE/National Insurance, CGT, VAT, SDLT, Council Tax) e Germania (income, VAT, capital gains, trade, church tax, solidarity surcharge).
Imposte federali e provinciali/territoriali, payroll, GST/HST, con link dedicati a ogni provincia o territorio.
Cost of Living Calculator
Compare city expenses & taxes.
Cost of Living Comparison
Side-by-side cities.
Hourly to Salary Converter
Annualize hourly wages.
Paycheck Calculator
Take-home pay estimate.
Tip Calculator (Bill Splitting)
Split checks & round totals.
Travel Budget Calculator
Plan trip budgets.
W-4 Withholding Calculator
Dial in tax withholding.
Break-Even Point Calculator
Sales where profit = 0.
Business Loan Calculator
Amortize principal & fees.
Commission Calculator
Tiered/flat plans.
Currency Converter
Convert across currencies.
Depreciation Calculator
Straight-line, DB, MACRS.
Discount Calculator
Stack/undo discounts.
Inflation Calculator
Deflate/inflate via CPI.
Inventory Turnover Calculator
COGS vs. avg inventory.
Percentage Calculator
Increase/decrease/part-whole.
Black-Scholes Option Pricing
Price European options.
Bollinger Bands Calculator
MA ± σ envelopes.
Bond Yield Calculator
YTM/current yield.
Cash-Secured Put Calculator
Premium vs. effective price.
Capital Asset Pricing Model (CAPM)
Expected return via beta.
Covered Call Calculator
Income & breakeven.
Fibonacci Retracement Calculator
Key retracement levels.
Historical Volatility Calculator
Close-to-close σ.
Implied Volatility Calculator
Back out IV from price.
Iron Condor Calculator
Max P/L & breakevens.
Kelly Criterion Calculator
Optimal fraction (use prudently).
MACD Calculator
Trend/momentum indicator.
Margin Calculator
Initial/maintenance margin.
Markup Calculator
Convert markup ⟷ margin.
Moving Average (SMA & EMA) Calculator
Crossovers & smoothing.
Options Greeks Calculator
Delta, Gamma, Theta, Vega.
Pivot Point Calculator
Classic/Woodie/Camarilla.
Position Size Calculator
Risk-per-trade sizing.
Put-Call Parity Calculator
Arbitrage relationships.
Relative Strength Index (RSI) Calculator
Momentum oscillator.
Stock Calculator
Avg price, P/L, fees.
Straddle & Strangle Calculator
Payoffs & breakevens.
Altman Z-Score Calculator
Bankruptcy risk.
Capital Structure Optimization Calculator
Leverage vs. WACC.
Comparable Company Analysis Calculator
Peer multiples.
Correlation Coefficient Calculator
Relationship strength.
Covariance Calculator
Joint variability.
Discounted Cash Flow (DCF) Calculator (FCFF)
Firm value via WACC.
Discounted Cash Flow (DCF) Calculator (FCFE)
Equity valuation.
Dividend Discount Model (DDM) Calculator
Gordon/multi-stage.
Dividend Yield Calculator
Forward/trailing & YoC.
DuPont Analysis Calculator
ROE breakdown.
Earnings Per Share (EPS) Calculator
Basic/diluted EPS.
Economic Value Added (EVA) Calculator
Residual income.
Herfindahl-Hirschman Index (HHI) Calculator
Market concentration.
Inventory Turnover Calculator
COGS vs. inventory.
Interest Coverage Ratio Calculator
EBIT vs. interest.
Modified Internal Rate of Return (MIRR) Calculator
Realistic reinvestment.
Monte Carlo Simulation Calculator
Probabilistic valuation.
Net Present Value (NPV) Calculator
Project value today.
Price-to-Book (P/B) Ratio Calculator
Market vs. book.
Price-to-Earnings (P/E) Ratio Calculator
Value per earnings.
Price-to-Sales (P/S) Ratio Calculator
Value per sales.
Precedent Transaction Analysis Calculator
Deal multiples.
Present Value Calculator
Discount cash flows.
Profitability Index (PI) Calculator
Value per $ invested.
Quick Ratio (Acid-Test) Calculator
Liquidity sans inventory.
Return on Assets (ROA) Calculator
Profitability on assets.
Return on Equity (ROE) Calculator
Shareholder return.
Sustainable Growth Rate (SGR) Calculator
Growth via ROE/payout.
Total Asset Turnover Calculator
Revenue per asset.
1031 Exchange Calculator
Defer capital gains.
70% Rule (House Flipping) Calculator
Quick flip screen.
BRRRR Method Calculator
Buy-Rehab-Rent-Refi-Repeat.
Cap Rate Calculator
NOI ↔ value.
Cash on Cash Return Calculator
Equity yield.
Commercial Lease Calculator
Gross vs. NNN flows.
Commercial Real Estate Pro Forma Calculator
Stabilized vs. pro-forma.
Debt Service Coverage Ratio (DSCR) Calculator
NOI vs. debt service.
Gross Rent Multiplier (GRM) Calculator
Back-of-envelope valuation.
Loan-to-Value (LTV) Calculator
Leverage ratio.
Property Tax Calculator
Millage & assessment.
Real Estate Development Feasibility Calculator
Hard/soft/contingency.
Real Estate IRR Calculator
Levered/unlevered IRR.
Annuity Present Value Calculator
Discount annuity streams.
Emergency Fund Calculator
3–12 month targets.
Financial Goals Calculator
Back-solve monthly savings.
HSA (Health Savings Account) Calculator
Tax-advantaged medical saving.
Human Life Value Calculator
Income protection needs.
Life Insurance Needs Calculator
Coverage to protect dependents.
Long-Term Care Cost Calculator
Annual costs & inflation.
Millionaire Calculator
When you hit 7 figures.
Business Valuation Calculator
DCF, multiples & precedents.
Cash Flow Statement
OO/INV/FIN with reconciliation.
Lease vs. Buy (Equipment)
After-tax comparison.
Card Processing Fees
Interchange, assessment, markup.
Office Space
Area, density & costs.
Pro Forma Income Statement
Revenue, margins, opex.
Reverse Sales Tax
Net price from gross.
Sales Tax (by State/Province)
Local rates & lookups.
Section 179 Deduction
Limits & bonus depreciation.
Startup Costs
Capex, setup & burn rate.
Business Mileage
Standard vs. actual expenses.
VAT Calculator
Add/remove multi-rate VAT.
Currency Option Pricing Calculator (Garman-Kohlhagen)
FX option price & greeks.
FDI ROI Calculator
Cross-border returns net of FX/taxes.
Foreign Exchange (Forex) Calculator
Position & pip value.
Currency Forward Rate Calculator
From interest parity.
International Fisher Effect (IFE) Calculator
Rates ↔ expected FX change.
Purchasing Power Parity (PPP) Calculator
Relative price levels.
Strumenti personali extra-USA: ISA/SIPP UK, salary sacrifice, imposte immobiliari (UK/Scotland/Wales), pensioni UE e APAC, superannuation e negative gearing.