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Finance Calculators

Plan and understand money with a growing set of clear, formula-driven finance calculators, from loan payments and compound interest to everyday business math. Every tool shows its method and its limits. These are educational estimates, not financial advice.

All Finance Calculators

1031 Exchange Calculator

Estimate the recognized gain and deferred tax in a 1031 exchange. Enter your adjusted basis, sale price, and received boot to calculate your position.

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Rent Vs Sell Calculator

Compare renting and selling your property using present-value math. Enter your projected rent income, sale proceeds, and holding costs to see which wins.

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1099 Vs W2 Calculator

Compare your net income as a 1099 contractor versus a W2 employee. Enter your gross income to see the self-employment tax impact on your actual take-home pay.

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Net Effective Rent Calculator

Find the true average monthly cost of a lease after spreading free-rent periods and concessions across the full lease term. Enter your lease details below.

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House Flipping Calculator

Estimate profit, ROI, and maximum offer price on a house flip. Enter your ARV, purchase price, rehab, and holding costs to run the numbers on your deal.

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CAC Calculator

Calculate your cost to acquire one new customer. Enter total sales and marketing costs and the number of new customers gained to find your CAC instantly.

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Reverse Sales Tax Calculator

Find the pre-tax price and sales tax from a tax-included receipt total using the rate from your sale.

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CD Interest Calculator

Estimate CD or share certificate interest, end value, and penalty impact from principal, APY, term months, and penalty days.

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Labor Percentage Calculator

Find what share of sales goes to labor cost or labour cost, using staff cost and total sales from the same period.

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Food Cost Percentage Calculator

Find the food cost percentage for a restaurant, menu group, or sales period from food cost and food sales.

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Ownership Percentage Calculator

Find raw ownership percentage from owned units and total units for shares, member units, co-op units, or partner units.

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Percentage Rent Increase Calculator

Find the percent change from old rent to new rent before you review a lease renewal or rent notice.

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BPS to Percentage Calculator

Convert basis points to percentage points, or convert percentage points back to basis points for rates and spreads.

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Year Over Year Percentage Calculator

Find year over year percent change for sales, cost, orders, traffic, or any metric with a prior and current value.

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Compound Interest Calculator

Project compound interest growth from a starting amount, rate, time, compounding frequency, and optional regular contributions.

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Loan Calculator

Check a fixed loan payment, total paid, and interest cost from the loan amount, rate, and term.

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What You Can Work Out With These Finance Calculators

Finance calculators turn money questions into clear, checkable numbers. Whether you are weighing a loan, planning savings, pricing a product, or reading a business report, the maths behind the decision usually comes down to a few core ideas: interest and how it compounds over time, payments spread across a term, and ratios that show one figure as a share of another, such as a cost against sales or a change against a starting value. Getting these right matters, because a small difference in a rate or a base can change the answer, and the answer can shape a real financial choice.

Every tool in this section is built the same way: it states its formula in plain words, walks through a worked example with the rounding it used, and lists the assumptions and limitations behind the result, so you can follow the maths or redo it by hand. Where a calculation relies on an established standard, the page cites a primary source. These are educational estimates, not financial advice; for decisions that carry real weight, confirm the numbers with a qualified professional. For the formulas on their own, see the formula reference.

Related Resources

  • Guides & Blogs . Guides and blog posts on how to use our calculators and understand the concepts behind them.
  • Formulas . The exact formulas behind each calculator, with the notation and reasoning explained.
  • Glossary . Short definitions of the terms you will meet across our calculators, including BMI, BMR, amortization, and more.
  • Methodology . How we choose formulas, test calculations, round results, select sources, and review our tools.

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Frequently asked questions

Are these finance calculators financial advice?

No. Calcumatix finance calculators provide educational estimates only. They do not account for your full financial situation and are not a substitute for advice from a qualified professional.

How accurate are the loan and interest results?

The math is exact for the inputs you provide, using standard amortization and compound interest formulas. Real-world results vary with fees, rounding, rate changes, and lender-specific rules.

Do the finance calculators include taxes and fees?

No. Unless stated on the page, results exclude taxes, fees, insurance, and other charges. Each page lists its assumptions and limitations.