Finances

Calculadora de Préstec Empresarial

Estimate payments, total interest, and amortization for a business loan.

Calculadora de Valoració d'Empresa

Estimate business value via revenue multiple, EBITDA, book value, or DCF.

Calculadora de Pressupost Empresarial

Roll up monthly income and expenses across categories.

Calculadora de Cost Laboral

Fully-loaded labor cost including benefits and payroll taxes.

Calculadora d'Hores-Home

Total man-hours from workers × hours × days.

Calculadora de Comissió de Vendes

Compute commission across flat, tiered, or base+commission structures.

Calculadora de Burn Rate

Monthly burn and cash runway from expenses and revenue.

Calculadora de Taxa d'Abandonament

Customer and revenue churn with average customer lifetime.

Cost d'Adquisició de Client

CAC plus LTV:CAC ratio for unit-economics sanity.

Calculadora de Taxa de Conversió

Conversions ÷ visitors, with benchmarks and reverse mode.

Calculadora de Taxa de Rebot

Single-page sessions ÷ total sessions.

Calculadora CTR

Clicks ÷ impressions, with channel benchmarks.

Calculadora CPM

Solve any of CPM, cost, or impressions given the others.

Calculadora CPC/CPM

Clicks, impressions, and estimated conversions for an ad budget.

Calculadora CPA

Ad spend ÷ conversions.

Calculadora ROAS

Revenue ÷ ad spend, with break-even benchmark.

Calculadora d'AdSense

Estimate AdSense earnings from pageviews, CTR, and CPC.

Calculadora de Diners de YouTube

Estimate YouTube earnings from views and RPM.

Calculadora d'Ingressos per Anuncis

Monthly ad revenue from pageviews, RPM by niche, and fill rate.

Calculadora de Període de Recuperació

Years to recover an investment from cash inflows.

Calculadora de Taxa de Deserció

Employees lost ÷ employees at start.

Calculadora de Taxa de Rotació

Separations ÷ average headcount, with replacement cost.

Calculadora de Marge de Contribució

Per-unit and total CM, with break-even units.

Calculadora de Cost de Mercaderies Venudes

Cost of goods sold from beginning + purchases − ending inventory.

Cost Fix Mitjà

Total fixed costs spread over quantity produced.

Calculadora de FTE

Full-time equivalents from part-time hours.

Calculadora FIFO

COGS and ending inventory under FIFO accounting.

Calculadora GMROI

Gross margin return on inventory investment.

Calculadora HHI

Herfindahl-Hirschman Index from up to 8 market shares.

Calculadora de Costos d'Inici

One-time + ongoing × runway months.

Calculadora de Cost d'Empleat

Total annual employee cost: salary, benefits, payroll tax, overhead.

Taxa d'Ingressos Anualitzada

Annualize revenue from a partial period.

Calculadora de Quota de Mercat

Company revenue ÷ total market size.

Calculadora de Preu Unitari

Cost per unit, suggested retail, and bulk-discount table.

Calculadora de Cost per Lead

Marketing spend ÷ leads, with channel benchmarks.

Calculadora de Taxa d'Obertura d'Email

Open rate, click rate, and CTOR with benchmarks.

Calculadora del Factor Bradford

HR absence-pattern score: S² × D.

Calculadora de Tarifes de Consultoria

Daily and hourly rate needed to hit a target take-home.

Calculadora LTV SaaS

Lifetime value from ARPA, margin, and monthly churn.

Calculadora de Mètriques SaaS

Net MRR churn, NRR, ARPU, ARR — the core SaaS dashboard.

Taxa de Venda Directa

Units sold ÷ units received.

Calculadora de Tarifa d'Influencer

Estimate sponsored content rates by platform and following.

Calculadora EVM

SV, CV, SPI, CPI, EAC from PV, EV, AC.

Calculadora EMV

Probability-weighted decision outcomes across scenarios.

Calculadora d'Interès Compost

Future value with compounding and optional regular contributions.

Calculadora d'Interès Simple

Interest earned with no compounding, plus a compound comparison.

Calculadora de Tipus d'Interès

Solve for rate given principal, interest, and time.

Calculadora d'Inversió

Lump sum + monthly contributions projected forward.

Calculadora CAGR

Compound annual growth rate from beginning and ending values.

Calculadora de VAN

Net present value across up to 8 cash-flow years.

Calculadora de TIR

Internal rate of return via Newton-Raphson iteration.

Calculadora de Valor Actual

Discount a future value back to today.

Calculadora de Valor Futur

Grow a present amount forward, with or without contributions.

Calculadora APY

Convert APR to APY at any compounding frequency.

Calculadora APR

Back-solve APR from a loan amount, payment, and term.

Calculadora de Taxa de Rendiment

Simple and annualized return with optional income.

Calculadora de Creixement Compost

Generalized compound growth for any metric (users, revenue, etc.).

Interès Compost Continu

A = P × eʳᵗ — the limit of frequent compounding.

Calculadora DCF

Enterprise value from FCFs, terminal growth, and WACC.

Calculadora de Taxa de Descompte

Solve for the rate that bridges PV and FV.

Calculadora EAR

Convert a nominal rate to EAR.

Calculadora de Ràtio de Despeses

Dollar cost of fund fees over time.

Rendiment Període de Tinença

Total return including income over a holding period.

Calculadora de Cost d'Oportunitat

Difference in future value between two investment options.

Calculadora de Certificat de Dipòsit

Maturity value of a CD with chosen APY and term.

Calculadora de la Regla del 72

Doubling time from a rate, or required rate from a doubling time.

Taxa de Rendiment Anualitzada

Convert a holding-period return to an annualized rate.

Calculadora d'Apreciació

Total and annual appreciation, with optional real-value adjustment.

Calculadora de Punts Bàsics

Convert between basis points and percentages.

Calculadora de Ràtio de Sharpe

Risk-adjusted return: excess return ÷ standard deviation.

Valor Temporal dels Diners

Solve for PV, FV, rate, periods, or payment given the other four.

Calculadora de Guanys Cripto

Profit/loss including buy and sell fees.

Calculadora de Guanys Bitcoin

Profit/loss for a Bitcoin trade with fees.

Mitjana del Cost del Dòlar

DCA outcomes at fixed or varying prices.

Rendiment Ajustat a la Inflació

Real (post-inflation) return using the Fisher equation.

Calculadora de Rendiment de Cartera

Weighted average return across up to 6 holdings.

Calculadora DRIP

Project portfolio growth from dividend reinvestment.

Calculadora d'Accions

Profit, ROI, and break-even for a stock trade with commissions.

Calculadora de Mitjana d'Accions

Weighted average cost from up to 5 purchase lots.

Calculadora de Divisió d'Accions

New share count and adjusted price after a split.

Calculadora de Dividends

Annual dividend income (before and after tax) plus yield on cost.

Calculadora de Rendiment de Dividend

Yield = annual dividend ÷ price, with optional forward yield.

Ràtio de Pagament de Dividends

Dividends ÷ earnings — sustainability check.

Calculadora de BPA

Basic and diluted earnings per share.

Calculadora de Ràtio P/E

Price-to-earnings ratio with earnings yield.

Calculadora de Capitalització Borsària

Shares × price, with size classification.

Calculadora CAPM

Required return from risk-free rate, beta, and market return.

Calculadora WACC

Weighted average cost of capital from equity, debt, and tax rate.

Calculadora ROE

Net income ÷ equity, with optional DuPont breakdown.

Calculadora ROA

Net income ÷ total assets.

Calculadora del Número de Graham

Benjamin Graham's fair-value estimate for a defensive investor.

Calculadora de Valor Intrínsec

Fair-value estimates via DDM, Graham, or P/E methods.

Calculadora de Preu de Bo

Price = PV of coupons + PV of face value.

Calculadora de Rendiment de Bo

YTM and current yield from price, face, coupon, and maturity.

Calculadora YTM de Bo

Yield to maturity and yield to call.

Calculadora de Taxa de Cupó

Coupon rate from annual payment and face value.

Calculadora de Deute sobre Patrimoni

Total liabilities ÷ shareholders' equity.

Ràtio de Cobertura d'Interessos

EBIT ÷ interest expense.

Calculadora de Ràtio Ràpid

Liquid assets ÷ current liabilities.

Calculadora Black-Scholes

Call/put prices and Greeks for European options.

Calculadora d'Opció de Compra

Break-even and payoff for a long call at various stock prices.

Calculadora de Trucada de Marge

Price at which a maintenance margin call is triggered.

Calculadora d'Impost sobre Vendes

Add tax to a price or remove it from a tax-inclusive total.

Calculadora d'IVA

Add or remove VAT at any rate.

Calculadora d'Impost sobre la Renda

Bracket-by-bracket tax on US federal income.

Calculadora d'Impost sobre Guanys Patrimonials

Short-term vs long-term capital gains tax with NIIT.

Calculadora de Salari

Convert salary across hourly, weekly, monthly, and annual.

Calculadora de Brut a Net

Net take-home pay after federal, state, FICA, and deductions.

Calculadora de Net a Brut

Required gross for a target take-home.

Calculadora d'Augment de Salari

New salary, change, and 5-year earnings impact.

Calculadora d'Hores Facturables

Utilization and revenue from billable vs total hours.

Calculadora de Temps i Mig

Regular plus overtime pay at 1.5× or 2×.

Calculadora d'Impost de Loteria

Lump sum vs annuity after federal and state tax.

Calculadora d'Assequibilitat d'Habitatge

How much house you can afford under 28/36 DTI rules.

Amortització Hipotecària

Monthly payment plus full amortization summary.

Refinançament Hipotecari

Monthly savings and break-even months from refinancing.

Calculadora LTV

LTV ratio and PMI threshold.

Calculadora PMI

Monthly PMI and the month it drops off.

Calculadora de Cap Rate

NOI ÷ property value.

Calculadora de Propietat de Lloguer

Cash flow, cap rate, cash-on-cash return.

Calculadora Llogar o Comprar

Net worth comparison over a horizon.

Calculadora de Costos de Tancament

Buyer or seller closing cost range with line items.

Calculadora d'Estalvis

Future savings balance with regular contributions.

Calculadora d'Objectiu d'Estalvi

Monthly amount needed to hit a savings target by a date.

Calculadora de Fons d'Emergència

Target fund size from monthly essentials.

Calculadora de Préstec d'Automòbil

Vehicle financing monthly payment and true cost.

Calculadora FIRE

Years to financial independence at a safe withdrawal rate.

Calculadora de la Regla 50-30-20

Allocate take-home pay across needs, wants, and savings.

Calculadora Bola de Neu de Deute

Pay off smallest balances first; roll payments forward.

Calculadora Allau de Deute

Pay off highest interest rate first — mathematically optimal.

Pagament de Targeta de Crèdit

Months to pay off + total interest at a fixed payment.

Calculadora de Jubilació

Nest egg target plus how long it lasts.

Calculadora 401(k)

Future 401(k) balance including employer match.

Calculadora Roth IRA

Compare tax-free Roth growth vs Traditional tax-deferred.

Calculadora de Préstecs

Standard amortizing loan: payment, interest, total.

Calculadora d'Amortització

Loan payoff with optional extra payments.

Calculadora de Préstec Estudiantil

Standard, extended, and income-driven plan comparison.

Ràtio Deute/Ingressos

Front-end and back-end DTI ratios with lender thresholds.

Calculadora de Marge

Margin and markup from cost and selling price.

Calculadora de Recàrrec

Selling price from cost + markup percentage.

Calculadora de Descompte Percentual

Discount amount and final price.

Calculadora de Comissió

Commission earned on sales — flat or tiered.

Calculadora de Comissió PayPal

Net amount received after PayPal fees.

Calculadora de Comissió Etsy

Listing, transaction, and processing fees on an Etsy sale.

Calculadora d'Amazon FBA

Referral + fulfillment fees on an Amazon FBA sale.

Calculadora de Comissió Stripe

Net received after Stripe processing fees.

Calculadora de Benefici per Article

Net profit per sale after all costs and fees.

Calculadora EBITDA

Earnings before interest, taxes, depreciation, and amortization.

Calculadora de Marge Brut

Gross profit and margin from revenue and COGS.

Calculadora de Depreciació

Straight-line, double-declining, or sum-of-years depreciation.

Calculadora de Capital Circulant

Current assets minus current liabilities.

Calculadora de Rotació d'Inventari

COGS ÷ average inventory; days of inventory.

Calculadora de Cost Marginal

Cost of producing one additional unit.

Calculadora EOQ

Optimal order size that minimizes inventory cost.

Elasticitat-preu de la Demanda

%ΔQ ÷ %ΔP — how sensitive demand is to price.

Calculadora de Flux de Caixa Lliure

FCF = operating cash flow − capital expenditures.

Calculadora de Creixement d'Ingressos

Period-over-period growth (QoQ, YoY, MoM).

Calculadora d'Inflació

Adjust a dollar amount across years using CPI.

Calculadora de PIB

GDP = C + I + G + (X − M).

Calculadora d'Atur

Unemployed ÷ labor force × 100.

Calculadora d'Inflació IPC

Compute a CPI from basket costs, plus the period inflation rate.

Taxa de Creixement Compost

Annualized growth rate between two endpoints.

Calculadora del Multiplicador Monetari

1 ÷ reserve ratio — banking money creation.

Calculadora de Tipus d'Interès Real

Fisher equation: real = (1+nominal)/(1+inflation) − 1.

Calculadora de la Regla de Taylor

Suggested fed funds rate from inflation and output gap.

Calculadora d'Aranzels de Trump

Tariff owed and consumer pass-through estimate.

Calculadora d'EMI

Equated Monthly Installment for any loan.

Calculadora SIP

Future value of a Systematic Investment Plan.

Calculadora PPF

Maturity value of a Public Provident Fund account.

Calculadora d'Impostos del Regne Unit

Income tax, National Insurance, and net take-home for England/Wales/NI.

Impost de Timbre del Regne Unit

Stamp duty for first-time buyers, home movers, and additional properties.

Calculadora de Zakat

2.5% Zakat on zakatable wealth above nisab.

Tipus de Canvi Encreuat

Derive A/C from A/B and B/C rates.

Retrocés de Fibonacci

Standard Fibonacci support/resistance levels.

Calculadora de Discapacitat VA

VA 'whole person' combined rating across multiple conditions.

Calculadora NPS

Corpus, lump sum, and monthly pension at retirement.

Calculadora RMD

Annual minimum withdrawal from IRA / 401(k).

Calculadora Comptador de Diners

Total cash from bill and coin denominations.