Financial calculator library
36 public, deterministic calculators for investing, risk, loans, portfolio analysis, derivatives and probability. Every tool works without sign-in and runs from the assumptions you enter.
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Each page includes the registered formula, a worked example, input definitions, validation boundaries, assumptions, edge cases and related calculators. Results are educational calculations, not financial, tax, legal or investment advice.
Estimate the future value of recurring monthly investments.
FV = P × [((1+r)^n − 1) / r] × (1+r)compound-interestCompound Interest CalculatorCalculate compound growth across a chosen rate and frequency.
A = P(1 + r/n)^(nt)simple-interestSimple Interest CalculatorCalculate interest without compounding.
A = P(1 + rt)lump-sum-future-valueLumpsum Investment CalculatorProject one investment using a declared annual return assumption.
FV = PV(1+r)^tcagrCAGR CalculatorMeasure the smoothed annual growth rate between two values.
CAGR = (Ending / Beginning)^(1/years) − 1absolute-returnROI CalculatorMeasure absolute and percentage return between two values.
ROI = (Ending − Beginning) / Beginningfresh-future-valueFuture Value CalculatorConvert a present amount into a future value.
FV = PV(1+r)^nfresh-present-valuePresent Value CalculatorDiscount a future amount into today’s value.
PV = FV / (1+r)^ngoal-plannerInflation CalculatorEstimate the future cost of a goal and the recurring investment required.
Future cost = Current cost × (1+inflation)^yearsgoal-plannerGoal-Based Investment CalculatorEstimate the recurring contribution required for an inflation-adjusted goal.
Contribution = Goal gap / annuity accumulation factorgoal-plannerRetirement CalculatorModel a long-term goal from current savings, inflation and return assumptions.
Future goal and savings are valued on the same horizonswp-scheduleSWP CalculatorModel periodic withdrawals and the resulting investment balance.
Balanceₜ = Balanceₜ₋₁(1+r) − Withdrawalloan-emiEMI Loan CalculatorCalculate a reducing-balance monthly loan payment.
EMI = P × r(1+r)^n / ((1+r)^n − 1)loan-emiMortgage CalculatorEstimate the payment for a principal, annual rate and mortgage term.
Payment uses the reducing-balance annuity formulasip-future-valueDCA CalculatorProject periodic contributions under a stated return assumption.
Recurring contribution future-value annuitybreakeven-priceBreak-Even CalculatorFind the price required to recover declared transaction costs.
Break-even = Entry ± total costs per unitposition-sizePosition Size CalculatorSize a position from account risk, entry, stop and costs.
Units = Risk budget / risk per unitrisk-rewardRisk Reward CalculatorCompare the distance to a target with the distance to a stop.
Reward/risk = |Target−Entry| / |Entry−Stop|futures-pnlTrading Profit Loss CalculatorEstimate gross and net P&L for a directional contract position.
P&L = Price change × contracts × multiplier − costsfx-pip-valuePip Value CalculatorCalculate pip value in the account currency.
Pip value = Units × pip size × conversion rateinitial-marginMargin CalculatorEstimate initial margin from notional and leverage.
Margin = Notional / LeverageleverageLeverage CalculatorMeasure notional exposure relative to equity.
Leverage = Notional / Equityportfolio-expected-returnCrypto Average Entry CalculatorCalculate a weighted average entry from prices and allocation weights.
Average entry = Σ(weight × entry price)portfolio-expected-returnPortfolio Return CalculatorCombine asset return assumptions using portfolio weights.
Portfolio return = Σ(weight × expected return)inverse-volatility-weightsPortfolio Allocation CalculatorCreate normalized inverse-volatility weights.
Weightᵢ = (1/σᵢ) / Σ(1/σ)realized-volatilityVolatility CalculatorAnnualize the sample volatility of periodic returns.
Annual volatility = stdev(returns) × √periodssharpe-ratioSharpe Ratio CalculatorCompare annualized excess return with total volatility.
Sharpe = excess return / volatilitysortino-ratioSortino Ratio CalculatorCompare excess return with downside deviation.
Sortino = excess return / downside deviationmaximum-drawdownMax Drawdown CalculatorFind the largest peak-to-trough decline in a value series.
MDD = max((Peak − Trough) / Peak)expected-shortfallVaR Expected Shortfall CalculatorEstimate the average historical loss beyond a selected VaR tail.
ES = mean(losses beyond the VaR quantile)fresh-yield-to-maturity-approxBond Yield YTM CalculatorEstimate yield to maturity from price, coupon, face value and term.
Approximate YTM = [Coupon + (Face−Price)/Years] / [(Face+Price)/2]bond-durationBond Duration CalculatorCalculate Macaulay duration, modified duration and DV01.
Duration is the PV-weighted time to cash flowsblack-scholesBlack Scholes CalculatorValue a European option under declared Black–Scholes assumptions.
European option value from spot, strike, time, rates and volatilityblack-scholesOptions Greeks CalculatorEstimate European option delta, gamma, vega, theta and rho.
Greeks are partial sensitivities of the Black–Scholes valueexpectancyProbability Expected Value CalculatorCalculate expected value from outcome probability and payoff assumptions.
EV = p × average win − (1−p) × average losskelly-criterionKelly Criterion CalculatorEstimate a capped full or fractional Kelly allocation.
Kelly = p − (1−p)/payoff ratio