Finance calculators
Loans, compounding, paychecks, freelance rates, margins, and tips.
Finance calculators on pancalc model loans, investments, taxes, tips, and business metrics with transparent formulas. Each page shows which rates, fees, and compounding rules are included — and which are left for you to verify locally.
Use them to compare scenarios side by side, document assumptions before a major purchase, or teach how interest and cash flows interact. Outputs are planning estimates, not tax, legal, or investment advice.
When quotes from lenders or advisors differ from a calculator result, compare field definitions and unit conventions line by line. Small differences in fees or compounding frequency often explain the gap.
30 calculators
401(k) Retirement Calculator
Future 401(k) balance from current savings, contributions, return, and years. Use the calculator above. Use the calculator above. Free browser tool.
Amortization Loan Calculator
Calculate a fixed monthly payment and its first-month interest and principal split for a fully amortizing fixed-rate loan. Free browser tool.
Annuity Calculator
Present value of an ordinary annuity from payment, rate, and periods. Use the calculator above. Use the calculator above. Free browser tool.
APR Calculator
Estimate the effective annual financing rate when upfront fees reduce the cash you receive but payments are based on the stated loan principal.
CAGR Calculator
Compound annual growth rate from beginning value, ending value, and years. Use the calculator above. Use the calculator above. Free browser tool.
Churn Rate & MRR Leakage Calculator
Calculate logo churn and net-new monthly recurring revenue to separate customer loss from revenue movement in a simple SaaS health check.
Compound Interest Calculator
Project future value of a lump-sum deposit with compound interest—compare rate, compounding frequency, and term with clear worked scenarios.
CPM Calculator
Cost per mille (thousand impressions) from ad spend and impressions. Use the calculator above. Use the calculator above. Free browser tool.
Credit Card Payoff Calculator
Months to pay off a credit card balance with fixed monthly payments. Use the calculator above. Use the calculator above. Free browser tool.
Crypto Staking & Yield APY Estimator
Project a staking balance after repeated quoted-yield compounding and subtract stated fees, while keeping token-price and protocol risk outside the math.
Daily Compound Interest Calculator
Future value with daily compounding from principal, APR, and days. Use the calculator above. Use the calculator above. Free browser tool.
Debt-to-Income Ratio Calculator
Front-end and back-end DTI from income and monthly housing/debt payments. Use the calculator above. Use the calculator above. Free browser tool.
EMI Calculator
Equated monthly installment for a loan from principal, rate, and term. Use the calculator above. Use the calculator above. Free browser tool.
Fiscal Week Calculator
Fiscal week number from fiscal year start month and day-of-year offset. Use the calculator above. Use the calculator above. Free browser tool.
Freelance Rate Calculator
Turn a desired annual profit, operating expenses, tax or contingency buffer, and expected billable hours into a target hourly freelance rate.
GMROI Calculator
Gross margin return on inventory from gross margin dollars and average inventory. Use the calculator above. Free browser tool. Free browser tool.
House Affordability Calculator
Maximum home price from income, debts, down payment, and DTI limit. Use the calculator above. Use the calculator above. Free browser tool.
IRR Calculator
Solve the internal rate of return for an upfront investment followed by equal periodic cash inflows over a fixed number of periods.
Margin Calculator
Calculate gross margin, markup, cost, or selling price while keeping clear that margin and markup use different denominators. Free browser tool.
Markup & Discount Calculator
Chain markup then discount or compute sale price from cost, markup %, and discount %. Use the calculator above. Free browser tool.
Mortgage PITI Calculator
Monthly PITI payment estimate: principal+interest, taxes, insurance. Use the calculator above. Use the calculator above. Free browser tool.
NPV Calculator
Discount equal periodic cash inflows and subtract an upfront investment to estimate net present value at a chosen required return.
Paycheck Tax Deductions Calculator
Estimate net paycheck and amount withheld by applying one combined deduction percentage to gross pay for quick personal budgeting.
Rent vs Buy Opportunity Cost Calculator
Compare total rent paid with a simplified buyer cash-out estimate over a chosen horizon using down payment, mortgage rate, appreciation, and sale costs.
SaaS LTV to CAC Ratio Calculator
Estimate gross-margin customer lifetime value and compare it with customer acquisition cost to create a transparent SaaS unit-economics ratio.
Salary to Hourly Calculator
Convert annual salary to hourly wage or an hourly wage to annual pay using your own weekly schedule and paid weeks per year. Free browser tool.
Savings Goal Calculator
Monthly savings needed to reach a target amount by a deadline. Use the calculator above. Use the calculator above. Free browser tool.
Straight-Line Depreciation Calculator
Annual and monthly straight-line depreciation from cost, salvage, and life. Use the calculator above. Use the calculator above. Free browser tool.
Tip Calculator
Calculate gratuity, total bill, and an equal per-person share from a bill amount, tip percentage, and party size before rounding payment.
VAT Calculator
Add or remove VAT from a net or gross price. Use the calculator above. Use the calculator above. Use the calculator above. Free browser tool.