Keuangan

Kalkulator Pinjaman Bisnis

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

Kalkulator Valuasi Bisnis

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

Kalkulator Anggaran Bisnis

Roll up monthly income and expenses across categories.

Kalkulator Biaya Tenaga Kerja

Fully-loaded labor cost including benefits and payroll taxes.

Kalkulator Jam Kerja

Total man-hours from workers × hours × days.

Kalkulator Komisi Penjualan

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

Kalkulator Burn Rate

Monthly burn and cash runway from expenses and revenue.

Kalkulator Churn Rate

Customer and revenue churn with average customer lifetime.

Biaya Akuisisi Pelanggan

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

Kalkulator Tingkat Konversi

Conversions ÷ visitors, with benchmarks and reverse mode.

Kalkulator Bounce Rate

Single-page sessions ÷ total sessions.

Kalkulator CTR

Clicks ÷ impressions, with channel benchmarks.

Kalkulator CPM

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

Kalkulator CPC/CPM

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

Kalkulator CPA

Ad spend ÷ conversions.

Kalkulator ROAS

Revenue ÷ ad spend, with break-even benchmark.

Kalkulator AdSense

Estimate AdSense earnings from pageviews, CTR, and CPC.

Kalkulator Pendapatan YouTube

Estimate YouTube earnings from views and RPM.

Kalkulator Pendapatan Iklan Web

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

Kalkulator Periode Pengembalian

Years to recover an investment from cash inflows.

Kalkulator Tingkat Pengunduran

Employees lost ÷ employees at start.

Kalkulator Tingkat Turnover

Separations ÷ average headcount, with replacement cost.

Kalkulator Margin Kontribusi

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

Kalkulator HPP

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

Biaya Tetap Rata-Rata

Total fixed costs spread over quantity produced.

Kalkulator FTE

Full-time equivalents from part-time hours.

Kalkulator FIFO

COGS and ending inventory under FIFO accounting.

Kalkulator GMROI

Gross margin return on inventory investment.

Kalkulator HHI

Herfindahl-Hirschman Index from up to 8 market shares.

Kalkulator Biaya Startup

One-time + ongoing × runway months.

Kalkulator Biaya Karyawan

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

Run Rate Pendapatan

Annualize revenue from a partial period.

Kalkulator Pangsa Pasar

Company revenue ÷ total market size.

Kalkulator Harga per Unit

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

Kalkulator Biaya per Lead

Marketing spend ÷ leads, with channel benchmarks.

Kalkulator Tingkat Buka Email

Open rate, click rate, and CTOR with benchmarks.

Kalkulator Faktor Bradford

HR absence-pattern score: S² × D.

Kalkulator Tarif Konsultan

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

Kalkulator LTV SaaS

Lifetime value from ARPA, margin, and monthly churn.

Kalkulator Metrik SaaS

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

Sell-Through Rate

Units sold ÷ units received.

Kalkulator Tarif Influencer

Estimate sponsored content rates by platform and following.

Kalkulator EVM

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

Kalkulator EMV

Probability-weighted decision outcomes across scenarios.

Kalkulator Bunga Majemuk

Future value with compounding and optional regular contributions.

Kalkulator Bunga Tunggal

Interest earned with no compounding, plus a compound comparison.

Kalkulator Suku Bunga

Solve for rate given principal, interest, and time.

Kalkulator Investasi

Lump sum + monthly contributions projected forward.

Kalkulator CAGR

Compound annual growth rate from beginning and ending values.

Kalkulator NPV

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

Kalkulator IRR

Internal rate of return via Newton-Raphson iteration.

Kalkulator Nilai Sekarang

Discount a future value back to today.

Kalkulator Nilai Masa Depan

Grow a present amount forward, with or without contributions.

Kalkulator APY

Convert APR to APY at any compounding frequency.

Kalkulator APR

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

Kalkulator Tingkat Pengembalian

Simple and annualized return with optional income.

Kalkulator Pertumbuhan Majemuk

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

Bunga Majemuk Kontinu

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

Kalkulator DCF

Enterprise value from FCFs, terminal growth, and WACC.

Kalkulator Tingkat Diskon

Solve for the rate that bridges PV and FV.

Kalkulator EAR

Convert a nominal rate to EAR.

Kalkulator Rasio Biaya

Dollar cost of fund fees over time.

Imbal Hasil Periode Kepemilikan

Total return including income over a holding period.

Kalkulator Biaya Peluang

Difference in future value between two investment options.

Kalkulator Deposito

Maturity value of a CD with chosen APY and term.

Kalkulator Aturan 72

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

Tingkat Pengembalian Tahunan

Convert a holding-period return to an annualized rate.

Kalkulator Apresiasi

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

Kalkulator Basis Point

Convert between basis points and percentages.

Kalkulator Rasio Sharpe

Risk-adjusted return: excess return ÷ standard deviation.

Nilai Waktu Uang

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

Kalkulator Keuntungan Kripto

Profit/loss including buy and sell fees.

Kalkulator Keuntungan Bitcoin

Profit/loss for a Bitcoin trade with fees.

Dollar Cost Averaging

DCA outcomes at fixed or varying prices.

Imbal Hasil Disesuaikan Inflasi

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

Kalkulator Imbal Hasil Portofolio

Weighted average return across up to 6 holdings.

Kalkulator DRIP

Project portfolio growth from dividend reinvestment.

Kalkulator Saham

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

Kalkulator Rata-Rata Saham

Weighted average cost from up to 5 purchase lots.

Kalkulator Stock Split

New share count and adjusted price after a split.

Kalkulator Dividen

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

Kalkulator Dividend Yield

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

Rasio Pembayaran Dividen

Dividends ÷ earnings — sustainability check.

Kalkulator EPS

Basic and diluted earnings per share.

Kalkulator Rasio P/E

Price-to-earnings ratio with earnings yield.

Kalkulator Kapitalisasi Pasar

Shares × price, with size classification.

Kalkulator CAPM

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

Kalkulator WACC

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

Kalkulator ROE

Net income ÷ equity, with optional DuPont breakdown.

Kalkulator ROA

Net income ÷ total assets.

Kalkulator Angka Graham

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

Kalkulator Nilai Intrinsik

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

Kalkulator Harga Obligasi

Price = PV of coupons + PV of face value.

Kalkulator Yield Obligasi

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

Kalkulator YTM Obligasi

Yield to maturity and yield to call.

Kalkulator Tingkat Kupon

Coupon rate from annual payment and face value.

Kalkulator Debt to Equity

Total liabilities ÷ shareholders' equity.

Rasio Cakupan Bunga

EBIT ÷ interest expense.

Kalkulator Quick Ratio

Liquid assets ÷ current liabilities.

Kalkulator Black-Scholes

Call/put prices and Greeks for European options.

Kalkulator Opsi Call

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

Kalkulator Margin Call

Price at which a maintenance margin call is triggered.

Kalkulator Pajak Penjualan

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

Kalkulator PPN

Add or remove VAT at any rate.

Kalkulator Pajak Penghasilan

Bracket-by-bracket tax on US federal income.

Kalkulator Pajak Capital Gain

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

Kalkulator Gaji

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

Kalkulator Bruto ke Netto

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

Kalkulator Netto ke Bruto

Required gross for a target take-home.

Kalkulator Kenaikan Gaji

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

Kalkulator Jam Tertagih

Utilization and revenue from billable vs total hours.

Kalkulator Lembur 1,5x

Regular plus overtime pay at 1.5× or 2×.

Kalkulator Pajak Lotere

Lump sum vs annuity after federal and state tax.

Kalkulator Keterjangkauan Rumah

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

Amortisasi KPR

Monthly payment plus full amortization summary.

Refinancing KPR

Monthly savings and break-even months from refinancing.

Kalkulator LTV

LTV ratio and PMI threshold.

Kalkulator PMI

Monthly PMI and the month it drops off.

Kalkulator Cap Rate

NOI ÷ property value.

Kalkulator Properti Sewa

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

Kalkulator Sewa atau Beli

Net worth comparison over a horizon.

Kalkulator Biaya Penutupan

Buyer or seller closing cost range with line items.

Kalkulator Tabungan

Future savings balance with regular contributions.

Kalkulator Target Tabungan

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

Kalkulator Dana Darurat

Target fund size from monthly essentials.

Kalkulator Kredit Mobil

Vehicle financing monthly payment and true cost.

Kalkulator FIRE

Years to financial independence at a safe withdrawal rate.

Kalkulator Aturan 50-30-20

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

Kalkulator Debt Snowball

Pay off smallest balances first; roll payments forward.

Kalkulator Debt Avalanche

Pay off highest interest rate first — mathematically optimal.

Pelunasan Kartu Kredit

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

Kalkulator Pensiun

Nest egg target plus how long it lasts.

Kalkulator 401(k)

Future 401(k) balance including employer match.

Kalkulator Roth IRA

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

Kalkulator Pinjaman

Standard amortizing loan: payment, interest, total.

Kalkulator Amortisasi

Loan payoff with optional extra payments.

Kalkulator Pinjaman Pelajar

Standard, extended, and income-driven plan comparison.

Rasio Utang terhadap Pendapatan

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

Kalkulator Margin

Margin and markup from cost and selling price.

Kalkulator Markup

Selling price from cost + markup percentage.

Kalkulator Persen Diskon

Discount amount and final price.

Kalkulator Komisi

Commission earned on sales — flat or tiered.

Kalkulator Biaya PayPal

Net amount received after PayPal fees.

Kalkulator Biaya Etsy

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

Kalkulator Amazon FBA

Referral + fulfillment fees on an Amazon FBA sale.

Kalkulator Biaya Stripe

Net received after Stripe processing fees.

Kalkulator Keuntungan per Item

Net profit per sale after all costs and fees.

Kalkulator EBITDA

Earnings before interest, taxes, depreciation, and amortization.

Kalkulator Margin Kotor

Gross profit and margin from revenue and COGS.

Kalkulator Penyusutan

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

Kalkulator Modal Kerja

Current assets minus current liabilities.

Kalkulator Perputaran Persediaan

COGS ÷ average inventory; days of inventory.

Kalkulator Biaya Marjinal

Cost of producing one additional unit.

Kalkulator EOQ

Optimal order size that minimizes inventory cost.

Elastisitas Harga Permintaan

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

Kalkulator Free Cash Flow

FCF = operating cash flow − capital expenditures.

Kalkulator Pertumbuhan Pendapatan

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

Kalkulator Inflasi

Adjust a dollar amount across years using CPI.

Kalkulator PDB

GDP = C + I + G + (X − M).

Kalkulator Pengangguran

Unemployed ÷ labor force × 100.

Kalkulator Inflasi IHK

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

Tingkat Pertumbuhan Majemuk

Annualized growth rate between two endpoints.

Kalkulator Pengganda Uang

1 ÷ reserve ratio — banking money creation.

Kalkulator Suku Bunga Riil

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

Kalkulator Aturan Taylor

Suggested fed funds rate from inflation and output gap.

Kalkulator Tarif Trump

Tariff owed and consumer pass-through estimate.

Kalkulator EMI

Equated Monthly Installment for any loan.

Kalkulator SIP

Future value of a Systematic Investment Plan.

Kalkulator PPF

Maturity value of a Public Provident Fund account.

Kalkulator Pajak Inggris

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

Bea Materai UK

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

Kalkulator Zakat

2.5% Zakat on zakatable wealth above nisab.

Kurs Silang

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

Retracement Fibonacci

Standard Fibonacci support/resistance levels.

Kalkulator Disabilitas VA

VA 'whole person' combined rating across multiple conditions.

Kalkulator NPS

Corpus, lump sum, and monthly pension at retirement.

Kalkulator RMD

Annual minimum withdrawal from IRA / 401(k).

Kalkulator Penghitung Uang

Total cash from bill and coin denominations.