Free finance calculators
See the formula.
Change a number.
A $2,000 weekly check with 12 percent federal withholding leaves $1,607. FICA is $153. This is not a tax engine. Change a number, then open a mortgage or a deal model.
Work a finance practice problemPut this paycheck calculator on a class pageDrag a compound curve
132 calculators, 216 guides, 1,307 worked examples.
Pay statement
Weekly52 / year
Earnings
- Gross pay
- $2,000.00
Deductions
- Social Security (6.2%)
- $124.00
- Medicare (1.45%)
- $29.00
- Federal withholding
- $240.00
Take-home
80.35% of gross
$1,607.00
Then a mortgage, or a deal
Every calculatorEach figure is the default on that page, which is also that page's first worked example.
- Loan paymentOn $250,000 at 6.5 percent over 30 years. Interest over the life of the loan is $318,861.22.$1,580.17 a month
- Compound interest$5,000 plus $200 a month at 6 percent compounded monthly, after 10 years. Interest is $12,872.85 of that.$41,872.85
- Mortgage affordabilityOn $9,000 a month with $650 of other debts, a 43 percent rule at 6.5 percent over 30 years.$430,333.43
- Extra $200 a monthOn a $300,000 mortgage at 6.5 percent over 30 years, the extra clears the loan 83 months sooner.$103,448.79 of interest not paid
- APR against APYA 5 percent APR compounded monthly. $10,000 earns $511.62 in a year rather than $500.5.116%
- Net worth$600,000 of assets against $500,000 of debts.$100,000
- Leverage ratiosDebt-to-equity, debt-to-assets and the equity multiplier on $800,000 of assets against $500,000 of debt.1.67 / 62.50% / 2.67
- Net present valueFive yearly receipts of $3,000 against a $10,000 cost at 8 percent.$1,978.13
- CAGR$10,000 growing to $18,000 over 6 years.10.29%
- Discounted cash flowFive years of $100,000, discounted at 10 percent, with 3 percent terminal growth.$1,292,720.05
- Enterprise value$100,000,000 of equity, $40,000,000 of debt, $10,000,000 of cash. Against $10,000,000 of EBITDA that is 13 times.$130,000,000
- Price to earningsA $50 share on $2.50 of earnings.20.0x
- Cash conversion cycle45 days of receivables plus 60 days of inventory, minus 30 days of payables.75 days
Everything inside
- CalculatorsFormulas you can run132
- GuidesOne concept each216
- ToolsDrag a rate67
- ComparePairs in a table112
- Questions indexedDirect links to the resources that answer them3,517
- WidgetsPut one on a class page199
- FormulasEvery identity256
- Factor tablesMachine-checked grids124
- Learn pathsThree paths, in order3
- PracticeChecked question variants1,024
- Money labsPredict, test, explain5
- TeachersReady assignment sets4
- StandardsGrade 12 outcome mappings20
- LessonsTeacher guides and handouts6
- DefinitionsOne sentence each135
- Saved numbersOn this device
Pairs people mix up
- Gross against net pay$1,607 take-home
- Snowball against avalanche$296.37
- Simple against compound150% vs 332%
- Monthly against continuous8.3000% vs 8.3287%
- PMI against 20 percent down$23,560
- Debt-to-equity against debt-to-assets1.67 / 62.50%
- Current against quick ratio1.50 / 1.10
- Enterprise value against equity$130,000,000
- HELOC against a home equity loan$333.33 a month
- I bond against TIPS4.218% / $1,061.21
The maths around the money
A finance formula sits inside economics, statistics, calculus, and quantitative problem solving. These free paths show the neighboring idea instead of leaving it as an unexplained assumption.
Keep working here with a guided money lab or open the compound interest calculator.
EconLearn, AP Economics
Understand the inflation, interest-rate, and policy setting around a money decision.
StatsLearn, AP Statistics
Work with probability, variation, and evidence before treating an estimate as certain.
CalcLearn, AP Calculus
See the rates and exponential growth underneath compounding and present value.
PhysicsLearn, AP Physics
Keep quantitative reasoning moving with formulas, graphs, and worked physical models.
How a number gets on this site
Most finance pages quote a formula. These pages have to survive a second program that does not trust them.
1
State the formula
The identity sits under the answer, in symbols and in words, so you can see what is being computed.
2
Work a real example
The calculator defaults are that example. The number you land on is one the build has already verified.
3
Recompute it another way
A separate checker rebuilds every published figure by a different method. If they disagree, the site does not build.
The measurement behind that order is on the research page: long-form explainers earned 151 citations per page, short definitions earned 21.
The format that earns the most citations: one idea, answered first, with the calculator on the same screen.
- How FICA and take-home pay work$1,607
- How the leverage ratio works1.67 / 62.50% / 2.67
- The yield curve4.3992%
- How compound interest worksDoubles in 12 years
- How mortgages work$2,022.62 first payment
- Snowball against avalanche$296.37 saved
- How 401(k) matching works$2,400 a year
- Inflation and purchasing power$17,271.03 of today's goods
- Investment fees and drag22% below fee-free
- Time value of money$613.91 today
- How credit headroom works$5,600 of room
- Car finance and depreciation$30,392.28 owed
- How simple interest works$150
- How continuous compounding works8.3287%
- How the price to earnings ratio works20x
- How enterprise value works$130,000,000
- How return on equity works15%
- How mortgage affordability works$430,333.43
Tools you can drag
Every toolCommon questions
What is FinanceLearn?
A free site of finance calculators and one-concept explainers. Each calculator shows the formula, works a real example, and is checked at build time by a second program that recomputes every published figure.
Do I need an account?
No. Every calculator and guide is open. You can copy a link that restores the numbers you typed, or save those numbers on this device from the calculator itself.
Are the numbers actually checked?
Yes. Before the site can build, every published worked example is recomputed by a different method than the page uses. A loan is stepped through its schedule rather than only the closed formula. The build fails if a published number disagrees.
Is this financial advice?
No. It is educational material. The output is what a formula produces from the inputs you give it. A decision about your own money is worth taking to someone licensed to advise on it.
Can I put a calculator on my class page?
Yes. Each calculator and graph has a widget page with a copy-paste iframe. Start with the paycheck widget. Free for Google Sites, Canvas, WordPress and Notion. Educational material, not financial advice.
Always free. Educational material, not financial advice.
This page is educational material, not financial advice. The figures come from the formula shown and assume the inputs you enter hold for the whole term. Your own rate, fees, taxes and timing will differ, so treat the output as arithmetic to check a decision against, not as a recommendation.