Finanzas

Calculadora de Préstamo Empresarial

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

Calculadora de Valoración de Empresa

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

Calculadora de Presupuesto Empresarial

Roll up monthly income and expenses across categories.

Calculadora de Costo Laboral

Fully-loaded labor cost including benefits and payroll taxes.

Calculadora de Horas-Hombre

Total man-hours from workers × hours × days.

Calculadora de Comisión de Ventas

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

Calculadora de Burn Rate

Monthly burn and cash runway from expenses and revenue.

Calculadora de Tasa de Abandono

Customer and revenue churn with average customer lifetime.

Costo de Adquisición de Cliente

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

Calculadora de Tasa de Conversión

Conversions ÷ visitors, with benchmarks and reverse mode.

Calculadora de Tasa de Rebote

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 de AdSense

Estimate AdSense earnings from pageviews, CTR, and CPC.

Calculadora de Dinero en YouTube

Estimate YouTube earnings from views and RPM.

Calculadora de Ingresos por Anuncios

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

Calculadora de Período de Recuperación

Years to recover an investment from cash inflows.

Calculadora de Tasa de Deserción

Employees lost ÷ employees at start.

Calculadora de Tasa de Rotación

Separations ÷ average headcount, with replacement cost.

Calculadora de Margen de Contribución

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

Calculadora de COGS

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

Costo Fijo Promedio

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 de Inicio

One-time + ongoing × runway months.

Calculadora de Costo de Empleado

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

Tasa de Ingresos Anualizada

Annualize revenue from a partial period.

Calculadora de Cuota de Mercado

Company revenue ÷ total market size.

Calculadora de Precio Unitario

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

Calculadora de Costo por Lead

Marketing spend ÷ leads, with channel benchmarks.

Calculadora de Tasa de Apertura de Email

Open rate, click rate, and CTOR with benchmarks.

Calculadora del Factor Bradford

HR absence-pattern score: S² × D.

Calculadora de Tarifas de Consultoría

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

Calculadora LTV SaaS

Lifetime value from ARPA, margin, and monthly churn.

Calculadora de Métricas SaaS

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

Tasa de Venta Directa

Units sold ÷ units received.

Calculadora de Tarifa de 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 de Interés Compuesto

Future value with compounding and optional regular contributions.

Calculadora de Interés Simple

Interest earned with no compounding, plus a compound comparison.

Calculadora de Tasa de Interés

Solve for rate given principal, interest, and time.

Calculadora de Inversión

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 Presente

Discount a future value back to today.

Calculadora de Valor Futuro

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 Tasa de Retorno

Simple and annualized return with optional income.

Calculadora de Crecimiento Compuesto

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

Interés Compuesto Continuo

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

Calculadora DCF

Enterprise value from FCFs, terminal growth, and WACC.

Calculadora de Tasa de Descuento

Solve for the rate that bridges PV and FV.

Calculadora EAR

Convert a nominal rate to EAR.

Calculadora de Ratio de Gastos

Dollar cost of fund fees over time.

Retorno del Período de Tenencia

Total return including income over a holding period.

Calculadora de Costo de Oportunidad

Difference in future value between two investment options.

Calculadora de Certificado de Depósito

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.

Tasa de Retorno Anualizada

Convert a holding-period return to an annualized rate.

Calculadora de Apreciación

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

Calculadora de Puntos Básicos

Convert between basis points and percentages.

Calculadora de Ratio de Sharpe

Risk-adjusted return: excess return ÷ standard deviation.

Valor Temporal del Dinero

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

Calculadora de Ganancias Cripto

Profit/loss including buy and sell fees.

Calculadora de Ganancias de Bitcoin

Profit/loss for a Bitcoin trade with fees.

Promedio del Costo del Dólar

DCA outcomes at fixed or varying prices.

Retorno Ajustado a la Inflación

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

Calculadora de Retorno de Cartera

Weighted average return across up to 6 holdings.

Calculadora DRIP

Project portfolio growth from dividend reinvestment.

Calculadora de Acciones

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

Calculadora de Promedio de Acciones

Weighted average cost from up to 5 purchase lots.

Calculadora de División de Acciones

New share count and adjusted price after a split.

Calculadora de Dividendos

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

Calculadora de Rendimiento de Dividendos

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

Ratio de Pago de Dividendos

Dividends ÷ earnings — sustainability check.

Calculadora de BPA

Basic and diluted earnings per share.

Calculadora de Ratio P/E

Price-to-earnings ratio with earnings yield.

Calculadora de Capitalización de Mercado

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 Intrínseco

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

Calculadora de Precio de Bono

Price = PV of coupons + PV of face value.

Calculadora de Rendimiento de Bono

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

Calculadora YTM de Bono

Yield to maturity and yield to call.

Calculadora de Tasa de Cupón

Coupon rate from annual payment and face value.

Calculadora de Deuda sobre Capital

Total liabilities ÷ shareholders' equity.

Ratio de Cobertura de Intereses

EBIT ÷ interest expense.

Calculadora de Ratio Rápido

Liquid assets ÷ current liabilities.

Calculadora Black-Scholes

Call/put prices and Greeks for European options.

Calculadora de Opción de Compra

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

Calculadora de Llamada de Margen

Price at which a maintenance margin call is triggered.

Calculadora de Impuesto sobre Ventas

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

Calculadora de IVA

Add or remove VAT at any rate.

Calculadora de Impuesto sobre la Renta

Bracket-by-bracket tax on US federal income.

Calculadora de Impuesto sobre Ganancias de Capital

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

Calculadora de Salario

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

Calculadora de Bruto a Neto

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

Calculadora de Neto a Bruto

Required gross for a target take-home.

Calculadora de Aumento de Salario

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

Calculadora de Horas Facturables

Utilization and revenue from billable vs total hours.

Calculadora de Tiempo y Medio

Regular plus overtime pay at 1.5× or 2×.

Calculadora de Impuesto de Lotería

Lump sum vs annuity after federal and state tax.

Calculadora de Asequibilidad de Vivienda

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

Amortización Hipotecaria

Monthly payment plus full amortization summary.

Refinanciación Hipotecaria

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 Propiedad de Alquiler

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

Calculadora Alquilar o Comprar

Net worth comparison over a horizon.

Calculadora de Costos de Cierre

Buyer or seller closing cost range with line items.

Calculadora de Ahorros

Future savings balance with regular contributions.

Calculadora de Meta de Ahorro

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

Calculadora de Fondo de Emergencia

Target fund size from monthly essentials.

Calculadora de Préstamo Automotriz

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 de Bola de Nieve de Deuda

Pay off smallest balances first; roll payments forward.

Calculadora Avalancha de Deuda

Pay off highest interest rate first — mathematically optimal.

Pago de Tarjeta de Crédito

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

Calculadora de Jubilación

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 Préstamos

Standard amortizing loan: payment, interest, total.

Calculadora de Amortización

Loan payoff with optional extra payments.

Calculadora de Préstamo Estudiantil

Standard, extended, and income-driven plan comparison.

Ratio Deuda/Ingresos

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

Calculadora de Margen

Margin and markup from cost and selling price.

Calculadora de Recargo

Selling price from cost + markup percentage.

Calculadora de Descuento Porcentual

Discount amount and final price.

Calculadora de Comisión

Commission earned on sales — flat or tiered.

Calculadora de Comisión PayPal

Net amount received after PayPal fees.

Calculadora de Comisión Etsy

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

Calculadora de Amazon FBA

Referral + fulfillment fees on an Amazon FBA sale.

Calculadora de Comisión Stripe

Net received after Stripe processing fees.

Calculadora de Ganancia por Artículo

Net profit per sale after all costs and fees.

Calculadora EBITDA

Earnings before interest, taxes, depreciation, and amortization.

Calculadora de Margen Bruto

Gross profit and margin from revenue and COGS.

Calculadora de Depreciación

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

Calculadora de Capital de Trabajo

Current assets minus current liabilities.

Calculadora de Rotación de Inventario

COGS ÷ average inventory; days of inventory.

Calculadora de Costo Marginal

Cost of producing one additional unit.

Calculadora EOQ

Optimal order size that minimizes inventory cost.

Elasticidad Precio de la Demanda

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

Calculadora de Flujo de Caja Libre

FCF = operating cash flow − capital expenditures.

Calculadora de Crecimiento de Ingresos

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

Calculadora de Inflación

Adjust a dollar amount across years using CPI.

Calculadora de PIB

GDP = C + I + G + (X − M).

Calculadora de Desempleo

Unemployed ÷ labor force × 100.

Calculadora de Inflación IPC

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

Tasa de Crecimiento Compuesto

Annualized growth rate between two endpoints.

Calculadora del Multiplicador Monetario

1 ÷ reserve ratio — banking money creation.

Calculadora de Tasa de Interés 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 de Aranceles de Trump

Tariff owed and consumer pass-through estimate.

Calculadora de 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 de Impuestos del Reino Unido

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

Impuesto de Timbre del Reino Unido

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

Calculadora de Zakat

2.5% Zakat on zakatable wealth above nisab.

Tipo de Cambio Cruzado

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

Retroceso de Fibonacci

Standard Fibonacci support/resistance levels.

Calculadora de Discapacidad 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 Contadora de Dinero

Total cash from bill and coin denominations.