15 tools
Finance & Investment Tools
Fifteen finance calculators that show their working: simple interest, CAGR, IRR and XIRR, break-even, present and future value, annuities, bond and dividend yield, inflation, fee drag, debt snowball and avalanche, and rent versus buy.
About these tools
All fifteen calculators share one time-value-of-money engine, so the same cash flows give the same answer on every page, and the IRR and XIRR solvers match the conventions spreadsheet functions use. Each result comes with its formula, the rounding applied and a table you can check line by line.
These are educational calculators, not financial advice. They use only the figures you enter - no live prices, rates or market data - and everything stays in your browser.
Popular tasks
All Finance & Investment Tools
- Simple Interest Calculator Calculate simple interest and the total repayable from principal, rate and time in days, months or years - or solve for the missing rate, time or principal - with day-count options and the formula.
- CAGR Calculator Calculate compound annual growth rate from a start value, end value and period in years or exact dates, compare it with the simple average growth, and project the value forward at that rate.
- IRR Calculator Calculate the internal rate of return for periodic cash flows, see the NPV profile across discount rates, and get a warning when sign changes allow more than one IRR - matching spreadsheet IRR.
- XIRR Calculator Calculate XIRR, the annualised return for cash flows on irregular dates such as SIP instalments and withdrawals, using the same actual/365 convention as spreadsheets, with the solver's working shown.
- Break-Even Point Calculator Find the break-even point in units and revenue from fixed costs, price and variable cost per unit, with contribution margin, margin of safety, target-profit volume and a cost-volume-profit chart.
- Present Value Calculator Discount a future lump sum or a stream of payments to present value at a chosen rate and compounding frequency, including growing payments and payments at the start of each period.
- Future Value Calculator Project the future value of a lump sum and regular contributions with any compounding frequency, contribution timing and annual step-up, with the year-by-year balance and total interest.
- Annuity Calculator Solve an annuity for the payment, present value, future value, rate or number of periods, for ordinary annuities or annuities due, with a payout schedule showing interest and balance.
- Bond Yield Calculator Calculate a bond's current yield, yield to maturity and yield to call from price, coupon, frequency and dates, with accrued interest, clean and dirty price, and a price-yield chart.
- Dividend Yield Calculator Calculate dividend yield from share price and annual dividend or per-payment amounts, yield on cost, payout ratio from earnings, annual income for a holding, and reinvested growth over time.
- Inflation Impact Calculator See what inflation does to money over time: future cost of today's prices, lost purchasing power of savings, and the real return on an investment, at an inflation rate you enter or vary by year.
- Investment Fee Impact Calculator Compare how annual expense ratios, advisory fees and transaction costs reduce a portfolio over time, with the ending balance for each fee level and the total lost to fees and foregone growth.
- Debt Snowball Calculator Build a debt snowball plan: pay minimums on every debt and put the extra towards the smallest balance first, with the payoff month for each debt, total interest and a month-by-month schedule.
- Debt Avalanche Calculator Plan a debt avalanche: extra payments go to the highest-APR debt first, with payoff dates, total interest, and a side-by-side comparison with the snowball order for the same budget.
- Rent vs Buy Calculator Compare renting with buying over your time horizon: deposit and mortgage, taxes, maintenance, insurance, price and rent growth, selling costs, and the return on money not spent as a deposit.
Newly added
Related A2Z.Tools utilities
- Compound Interest Calculator
- NPV Calculator
- SIP Calculator
- Mortgage Calculator
- Loan EMI Calculator
- ROI Calculator
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