173 calculators — price a job, find your break-even, size up a rental, estimate materials, or see your real payout after fees. Every one runs in your browser, free, no signup, each paired with a ready-made spreadsheet.
Set prices and rates that actually make money — before you quote the job.
enter your target take-home, billable hours, and expenses to find the hourly rate you actually need to charge
Free toolenter revenue and cost to instantly see gross profit, profit margin %, and markup %
Free toolenter your cost and markup percentage to get the selling price, profit, and the resulting profit margin
Free toolenter your unit cost and markup percentage to get the selling price, profit per unit, and margin
Free toolenter total price and square footage to instantly see the price per square foot
Free toolenter sales, commission rate, and any base pay to see the commission earned and total pay
Free toolenter a subtotal, tax rate, and any discount to get the invoice total
Free toolenter an invoice amount, monthly late fee rate, and months overdue to see the late fee and new total owed
Free toolenter a previous and current period revenue to see the growth rate percentage and the dollar change
Free toolenter cash coming in and cash going out to see your net cash flow and cash-flow margin
Free toolenter revenue and cost of goods sold to get gross profit, gross margin percentage, and markup
Free toolenter your fixed costs, price, and variable cost per sale to see how many units and how much revenue you need to break even
Free toolenter fixed costs, price, and variable cost per unit to see how many units you must sell to break even, plus the break-even revenue
Free tooladd materials, labor, and overhead, set your markup, and get the price to quote plus your profit and margin
Free toolenter what you invested and what you got back to see net profit, ROI percentage, and annualized return
Free toolenter a sale amount, commission rate, and number of sales to see your commission per sale and total earnings
Free toolenter an original price and markdown percent to get the sale price and savings, plus your margin after the markdown if you add cost
Free tooladd materials, labor, and other costs, set a target profit margin, and get the bid price and profit for a job
Free toolenter crew size, hours, and hourly rate plus a labor burden percentage to get the true cost of labor for a job
Free toolapply an overhead percentage and a profit percentage to a job's cost to get the price, the classic contractor O&P method
Free toolconvert a profit margin into the equivalent markup, and a markup into the equivalent margin
Free toolset wholesale and retail (keystone) prices from your unit cost and target margins, with the markup at each step
The numbers that tell you whether the business is really working.
enter average order, purchase frequency, retention, and margin to see what a customer is worth over their lifetime
Free toolCAC ratio calculator: enter customer lifetime value and acquisition cost to see your LTV:CAC ratio and CAC payback signal
Free toolenter customers at the start and how many you lost to get your churn rate and retention rate
Free toolenter subscribers and average revenue per user to get monthly and annual recurring revenue
Free tooldivide total revenue by number of orders to get your AOV, a key ecommerce and retail metric
Free toolenter cost of goods sold and average inventory to get your turnover ratio and days inventory on hand
Free toolenter labor cost and revenue to see labor as a percentage of sales — a key health metric for service and food businesses
Free toolenter annual revenue and headcount to see revenue per employee, a simple productivity benchmark
Free toolfind contribution margin per unit and as a ratio from price and variable cost, plus the break-even units to cover fixed costs
Free toolfind operating margin from revenue and operating expenses, plus operating income and what's left per dollar of sales
Free tooladd back interest, taxes, depreciation, and amortization to net income to get EBITDA and the EBITDA margin
Free toolfind how long an investment takes to pay for itself from its cost and expected annual cash flow, with the ROI
Free toolfind what percent of received inventory sold in a period, plus units remaining and weeks of stock left at the current pace
Free tooldivide current assets by current liabilities to measure short-term liquidity, with the working capital figure
Free toolmeasure a business's ability to cover short-term liabilities with its most liquid assets, excluding inventory
Free tooldivide total liabilities by shareholder equity to gauge financial leverage and risk, with the debt ratio
Free tooldivide net income by shareholder equity to see how efficiently a business turns owners' capital into profit
Free toolfind the order size that minimizes total inventory cost from annual demand, order cost, and holding cost
Free toolfind the average number of days it takes to collect payment after a sale, from receivables and revenue
Free toolfind the average number of days inventory sits before it sells, from inventory value and COGS
Free toolsubtract current liabilities from current assets to measure the short-term financial cushion running the business day to day
Free toolcombine days inventory, days receivable, and days payable to find how long cash is tied up in operations
Free tooldivide share price by earnings per share to value a stock, with the earnings yield and PEG context
Know what your reach, clicks, and customers really cost.
enter your marketing spend and new customers to see your cost per customer, and how it compares to a first order
Free toolenter ad spend and revenue to see return on ad spend, profit after margin, and the break-even ROAS you need
Free toolenter visitors and conversions to see your conversion rate, plus what each 1% improvement is worth in revenue
Free toolenter ad spend and impressions to get CPM (cost per thousand impressions), or solve for spend or impressions
Free toolenter ad spend and clicks to get your cost per click, plus click-through rate if you add impressions
Free toolestimate revenue, ROI, and revenue per email from list size, open rate, click rate, conversion, and order value
Free toolfind your cost per lead from ad spend and leads, plus cost per customer at your lead-to-sale conversion rate
Free toolfind your social media engagement rate by followers or by reach, from likes, comments, shares, and saves
Know what to set aside and where the business stands.
estimate your 2025 federal income tax, effective and marginal rate, and take-home from gross income and filing status
Free toolEstimate self-employment tax, set-aside, and quarterly payments
Free toolestimate your 15
Free tooltotal your weekly hours from daily hours worked, subtract breaks, split regular and overtime, and estimate gross pay
Free toolenter a start time, end time, and break to see hours worked (in hours-and-minutes and decimal) plus pay
Free toolenter your hourly rate, regular hours, and overtime hours to see regular pay, overtime pay (time-and-a-half or double time), and total pay
Free toolenter your hourly rate to see your time-and-a-half (1
Free toolcount the working days (Mon–Fri) between two dates, excluding weekends, with total days and weeks
Free toolestimate federal long-term capital gains tax (0%, 15%, or 20%) from your gain, taxable income, and filing status
Free toolfind your 2025 federal marginal tax bracket and effective rate from taxable income and filing status
Free toolFree sales tax calculator — no sign-up, works with any US state's rate
Free toolFree take-home pay calculator — no sign-up, no email, updated for 2026
Free toolenter your business miles and the IRS standard mileage rate to see your deduction and roughly the tax it saves you
Free toolenter asset cost, salvage value, and useful life to get annual depreciation and book value after any year
Free toolenter your assets and liabilities to see total assets, total liabilities, owner's equity, and your current ratio instantly
Free toolenter your real revenue and split it into Profit, Owner's Pay, Tax, and Operating Expenses using Mike Michalowicz's target allocation percentages
Free toolfind your 2025 HSA contribution limit by coverage and age, room left after payroll contributions, and the estimated tax savings
Free toolfind the gross amount needed so an employee nets a target take-home after taxes — for bonuses and reimbursements
Free toolfind how much paid time off you earn per pay period and per hour worked, from an annual PTO allowance
Free toolFree VAT calculator — no sign-up, works with any VAT rate
Quick everyday math — tips, discounts, pay, and percentages.
enter a price and discount percentage to see the sale price and how much you save
Free toolapply a discount to a price to get the sale price and amount saved, or find what percent off a sale represents
Free toolenter your hourly rate and hours to see your annual, monthly, and weekly pay
Free toolenter your current salary and a raise percentage to see your new salary and the increase per year, month, and paycheck
Free toolturn an hourly wage and hours into gross pay per week, biweekly, semimonthly, month, and year, including overtime
Free toolsplit your monthly take-home pay into needs (50%), wants (30%), and savings (20%), with custom percentages too
Free toolenter a nominal interest rate and compounding frequency to see the annual percentage yield (APY) and the interest earned on your balance
Free toolenter the price and quantity of two items to see the price per unit of each and which is the better deal
Free toolenter your hourly rate, regular hours, and overtime hours to get regular pay, overtime pay, and total gross
Free toolconvert an annual salary into an hourly, weekly, and monthly rate based on your hours per week
Free tooladd up all your monthly subscriptions to see the real monthly and yearly total — and what cutting them could save
Free tooldivide an item's price by how many times you'll use it to judge whether a purchase is really worth it
Free toolwork out the interest and late fee owed on an overdue invoice from the amount, annual rate, and days late
The numbers behind buying a home — what you can afford, the payment, the down payment, and whether to buy or refinance.
enter your income, monthly debts, down payment, rate, and term to see the home price and monthly payment you can realistically afford (28/36 rule)
Free toolenter home price, down payment, rate, and term to see your monthly principal & interest, loan amount, and total interest paid
Free toolsee your monthly payment and how much of your loan goes to interest vs principal over the life of the loan, plus total interest paid
Free toolenter a home price and target percent to see your down payment, loan amount, and whether you'll likely owe PMI (under 20% down)
Free toolcompare the monthly cost of renting against owning (mortgage, taxes, insurance, maintenance) to see which comes out ahead for your situation
Free toolenter your income and monthly debts to see how much rent you can afford using the 30% rule and the 3x-income guideline
Free toolcompare your current payment to a new rate, see monthly savings, closing-cost break-even, and lifetime interest saved
Free tooladd your monthly debts and income to see your DTI ratio and how lenders read it (under 36% is strong, 43% is a common ceiling)
Free toolsee your current equity and how much you could likely borrow via a HELOC or home equity loan at a given loan-to-value limit
Free toolestimate monthly private mortgage insurance from your loan amount and home value, and see the balance where PMI can be removed
Free toolestimate a home buyer's closing costs as a percentage of the price, plus cash to close with your down payment
Free toolsee how paying half your mortgage every two weeks shortens the loan and cuts total interest versus monthly payments
Free toolsee how an extra monthly principal payment shortens your loan and cuts total interest, with and without the extra
Free toolestimate interest-only draw-period payments and the higher repayment-period payment once principal kicks in
Free toolsee the cost of buying discount points, the monthly savings, and how many months until the buydown pays for itself
Free toolestimate your net cash from selling a home after agent commission, closing costs, and paying off the mortgage
Free toolsee your new lower monthly payment after applying a lump sum to principal and re-amortizing over the remaining term
Free toolcompare the initial payment to the payment after the rate adjusts, and see the worst-case cap payment
Free toolfind your available equity, how much you can borrow, and the fixed monthly payment on a home equity loan
Run the numbers on a property before you buy — cash flow, returns, coverage, and payments.
enter a deal and instantly see monthly cash flow, cash-on-cash return, cap rate, DSCR, and the 1% rule
Free toolenter price, down payment, rent, and expenses to see cash-on-cash return, cap rate, and monthly cash flow instantly
Free toolenter rental income, operating expenses, and your mortgage payment to see your debt service coverage ratio and whether it clears a lender's 1
Free tooldivide net operating income by property price to get the capitalization rate, plus monthly NOI and gross rent multiplier
Free toolget gross and net rental yield from purchase price, annual rent, and costs — a quick read on a rental's income return
Free tooldivide annual pre-tax cash flow by cash invested to measure a leveraged rental's real return on your money
Free toolcheck whether a rental's monthly rent is at least 1% of the purchase price — a fast first-pass screen for cash-flow potential
Free tooldivide property price by annual gross rent to quickly compare rental properties, with the implied years to gross payback
Free tooldivide home price by annual rent to gauge whether an area favors buying or renting
Free toolfind your true average monthly rent when a lease includes free months, plus what you actually pay in the paid months
Free toolfind your new rent after a percentage increase, the monthly and annual dollar change, and the effective annual rate
Free toolestimate the cost of a move from home size and distance, comparing professional movers to a DIY truck rental
Project long-term growth — retirement accounts, compounding, and what inflation does to it.
project your retirement balance from your contributions, employer match, and expected return
Free toolproject your tax-free balance at retirement from annual contributions and expected return, and see total contributions vs
Free toolenter your age, savings, monthly contribution, and expected return to project your balance at retirement
Free toolenter a starting amount, monthly contribution, rate, and years to see future value, total contributions, and interest earned
Free toolsee what an amount of money will be worth in future years at a given inflation rate, and how much you'd need to keep the same buying power
Free toolfind what a lump sum plus optional monthly contributions will grow to at a given rate over time — the time-value-of-money future value
Free tooldiscount a future amount back to today's dollars at a given rate — the time-value-of-money present value
Free toolproject a 529 balance from current savings and monthly contributions, and compare it to your college cost goal
Free toolenter a starting amount, rate, and length to see the regular payment it can provide, plus total paid and interest
Free toolenter a rate of return to see roughly how many years it takes to double your money, with the exact figure too
Free toolestimate your required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table for your age
Free toolsee your employer's matching contribution, your total annual contribution, and whether you're leaving free money on the table
Free toolestimate the 10% penalty, income tax, and net cash you'd actually keep from cashing out before age 59½
Free toolfind the compound annual growth rate between a starting and ending value over a number of years, plus total growth
Free toolfind a stock's dividend yield from its price and annual dividend, plus your annual income and yield on cost
Free toolproject a holding's value with dividends reinvested and growing, versus taking the dividends as cash
Free toolproject the value of investing a fixed amount every month at an expected return, with total contributions and growth
Free toolfind your profit or loss, total return, and break-even price on a stock trade, including buy and sell commissions
Free toolfind your average cost per share after buying at two different prices, plus total shares, cost, and break-even
Free toolfind a bond's current yield and approximate yield to maturity from its face value, price, coupon rate, and years to maturity
Free toolfind your inflation-adjusted return from a nominal return and inflation rate, using the exact Fisher equation
Free toolproject your salary years into the future with annual raises, plus total earnings and inflation-adjusted value
See what you really keep after the marketplace takes its cut.
enter your price, shipping, and costs to see Etsy's listing, transaction, and payment fees, your real payout, and your actual profit
Free toolenter your sale price, product cost, shipping, and marketplace fees to see net profit, profit margin, and ROI per sale
Hit a savings goal, grow with compound interest, or get out of debt — with a number you can act on.
enter your target, what you've saved, your timeline, and interest rate to see exactly how much to set aside each month
Free toolfind how much to set aside each month to reach a planned expense by its due date, with or without interest
Free toolenter your monthly expenses and target months of coverage to see your emergency fund goal and how far your current savings gets you
Free toolenter your assets and liabilities to see your net worth and debt-to-asset ratio
Free toolenter amount, interest rate, and term to get your monthly payment, total interest, and total cost
Free toolenter your balance, interest rate, and monthly payment to see how many months until you're debt-free and how much interest you'll pay
Free toolsee how long it takes to pay off a card, the total interest, and how much time and interest an extra monthly payment saves
Free toolenter vehicle price, down payment, trade-in, rate, and term to see your monthly car payment, loan amount, and total interest
Free toolenter amount, rate, and term to get your monthly payment, total interest, and total cost of a business loan
Free toolsee your monthly payment, total interest, and how much time and interest an extra monthly payment saves
Free toolenter a monthly payment budget, rate, term, and down payment to see the car price you can afford
Free toolenter a deposit, APY, and term to see your maturity value and total interest earned on a certificate of deposit
Free toolenter a principal, rate, and time to get the simple interest and total amount (I = P × r × t)
Free toolcompare your current debts to a single consolidation loan and see the new payment and how much interest you'd save
Free toolenter a loan amount, fees, interest rate, and term to get the true annual percentage rate including fees
Free toolsee how many years a nest egg lasts at a given monthly withdrawal and interest rate, or the sustainable withdrawal
Free toolfind your credit utilization ratio from balances and limits, and how much to pay down to reach a target
Free toolcompare two loans side by side on monthly payment and total interest to see which really costs less
Free toolsee how long a credit card takes to pay off making only minimum payments, and the interest that costs you
Free toolfind how much to save each month to reach your home down payment by a target date, including closing-cost cushion
Estimate materials and price jobs — square footage, concrete, paint, tile, flooring, and more.
enter length and width to get area in square feet and square yards, plus total material cost at a price per square foot
Free toolenter slab length, width, and thickness to get cubic yards, cubic feet, and the number of 60 lb or 80 lb bags of concrete needed
Free tooldivide a total cost by area to get the price per square foot, or estimate a job's total from a rate
Free toolenter wall length and stud spacing to get the number of studs and the linear feet of top and bottom plates needed
Find your number, your savings rate, and how soon work becomes optional.
enter your annual expenses, savings, and savings rate to get your FIRE number and roughly how many years to financial independence
Free toolsee whether your current investments will grow to your retirement number on their own, without any more contributions
Free toolenter your take-home income and expenses to get your savings rate — the single biggest driver of how soon you reach financial independence
Free toolsee the safe annual income from your portfolio (4% rule) and how many years it lasts at a chosen withdrawal amount
Free toolsee how many years of monthly investing it takes to reach $1 million, and what you'd need to save to get there by a target year
Convert length, weight, volume, temperature, and more — instant and exact.
Score your whole business and find the one thing to fix first.
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