Kewangan

Kalkulator Pinjaman Perniagaan

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

Kalkulator Penilaian Perniagaan

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

Kalkulator Belanjawan Perniagaan

Roll up monthly income and expenses across categories.

Kalkulator Kos Buruh

Fully-loaded labor cost including benefits and payroll taxes.

Kalkulator Jam Manusia

Total man-hours from workers × hours × days.

Kalkulator Komisen Jualan

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

Kalkulator Kadar Bakar

Monthly burn and cash runway from expenses and revenue.

Kalkulator Kadar Churn

Customer and revenue churn with average customer lifetime.

Kos Pemerolehan Pelanggan

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

Kalkulator Kadar Penukaran

Conversions ÷ visitors, with benchmarks and reverse mode.

Kalkulator Kadar Lantun

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 Tapak Web

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

Kalkulator Tempoh Bayar Balik

Years to recover an investment from cash inflows.

Kalkulator Kadar Penyusutan

Employees lost ÷ employees at start.

Kalkulator Kadar Pusing Ganti

Separations ÷ average headcount, with replacement cost.

Kalkulator Margin Sumbangan

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

Kalkulator Kos Barang Dijual

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

Kos Tetap Purata

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 Kos Permulaan

One-time + ongoing × runway months.

Kalkulator Kos Pekerja

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

Run Rate Hasil

Annualize revenue from a partial period.

Kalkulator Bahagian Pasaran

Company revenue ÷ total market size.

Kalkulator Harga Seunit

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

Kalkulator Kos per Lead

Marketing spend ÷ leads, with channel benchmarks.

Kalkulator Kadar Buka E-mel

Open rate, click rate, and CTOR with benchmarks.

Kalkulator Faktor Bradford

HR absence-pattern score: S² × D.

Kalkulator Yuran Perundingan

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.

Kadar Sell-Through

Units sold ÷ units received.

Kalkulator Kadar 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 Faedah Kompaun

Future value with compounding and optional regular contributions.

Kalkulator Faedah Mudah

Interest earned with no compounding, plus a compound comparison.

Kalkulator Kadar Faedah

Solve for rate given principal, interest, and time.

Kalkulator Pelaburan

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 Kini

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 Kadar Pulangan

Simple and annualized return with optional income.

Kalkulator Pertumbuhan Kompaun

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

Faedah Kompaun Berterusan

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

Kalkulator DCF

Enterprise value from FCFs, terminal growth, and WACC.

Kalkulator Kadar Diskaun

Solve for the rate that bridges PV and FV.

Kalkulator EAR

Convert a nominal rate to EAR.

Kalkulator Nisbah Perbelanjaan

Dollar cost of fund fees over time.

Pulangan Tempoh Pegangan

Total return including income over a holding period.

Kalkulator Kos Peluang

Difference in future value between two investment options.

Kalkulator Deposit Tetap

Maturity value of a CD with chosen APY and term.

Kalkulator Peraturan 72

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

Kadar Pulangan Tahunan

Convert a holding-period return to an annualized rate.

Kalkulator Penghargaan Nilai

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

Kalkulator Mata Asas

Convert between basis points and percentages.

Kalkulator Nisbah Sharpe

Risk-adjusted return: excess return ÷ standard deviation.

Nilai Masa Wang

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.

Purata Kos Dolar

DCA outcomes at fixed or varying prices.

Pulangan Diselaraskan Inflasi

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

Kalkulator Pulangan Portfolio

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 Purata Saham

Weighted average cost from up to 5 purchase lots.

Kalkulator Pemecahan Saham

New share count and adjusted price after a split.

Kalkulator Dividen

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

Kalkulator Hasil Dividen

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

Nisbah Pembayaran Dividen

Dividends ÷ earnings — sustainability check.

Kalkulator EPS

Basic and diluted earnings per share.

Kalkulator Nisbah P/E

Price-to-earnings ratio with earnings yield.

Kalkulator Permodalan Pasaran

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 Nombor 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 Bon

Price = PV of coupons + PV of face value.

Kalkulator Hasil Bon

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

Kalkulator YTM Bon

Yield to maturity and yield to call.

Kalkulator Kadar Kupon

Coupon rate from annual payment and face value.

Kalkulator Hutang ke Ekuiti

Total liabilities ÷ shareholders' equity.

Nisbah Liputan Faedah

EBIT ÷ interest expense.

Kalkulator Nisbah Cepat

Liquid assets ÷ current liabilities.

Kalkulator Black-Scholes

Call/put prices and Greeks for European options.

Kalkulator Opsyen 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 Cukai Jualan

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

Kalkulator CBP

Add or remove VAT at any rate.

Kalkulator Cukai Pendapatan

Bracket-by-bracket tax on US federal income.

Kalkulator Cukai Keuntungan Modal

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

Kalkulator Gaji

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

Kalkulator Kasar ke Bersih

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

Kalkulator Bersih ke Kasar

Required gross for a target take-home.

Kalkulator Kenaikan Gaji

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

Kalkulator Jam Boleh Caj

Utilization and revenue from billable vs total hours.

Kalkulator Kerja Lebih Masa 1.5x

Regular plus overtime pay at 1.5× or 2×.

Kalkulator Cukai Loteri

Lump sum vs annuity after federal and state tax.

Kalkulator Kemampuan Membeli Rumah

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

Pelunasan Pinjaman Rumah

Monthly payment plus full amortization summary.

Pembiayaan Semula Pinjaman Rumah

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 Hartanah Sewa

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

Kalkulator Sewa atau Beli

Net worth comparison over a horizon.

Kalkulator Kos Penutupan

Buyer or seller closing cost range with line items.

Kalkulator Simpanan

Future savings balance with regular contributions.

Kalkulator Sasaran Simpanan

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

Kalkulator Dana Kecemasan

Target fund size from monthly essentials.

Kalkulator Pinjaman Kereta

Vehicle financing monthly payment and true cost.

Kalkulator FIRE

Years to financial independence at a safe withdrawal rate.

Kalkulator Peraturan 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 Kad Kredit

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

Kalkulator Persaraan

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 Pelunasan

Loan payoff with optional extra payments.

Kalkulator Pinjaman Pelajar

Standard, extended, and income-driven plan comparison.

Nisbah Hutang ke 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 Peratus Diskaun

Discount amount and final price.

Kalkulator Komisen

Commission earned on sales — flat or tiered.

Kalkulator Yuran PayPal

Net amount received after PayPal fees.

Kalkulator Yuran Etsy

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

Kalkulator Amazon FBA

Referral + fulfillment fees on an Amazon FBA sale.

Kalkulator Yuran Stripe

Net received after Stripe processing fees.

Kalkulator Keuntungan Setiap Item

Net profit per sale after all costs and fees.

Kalkulator EBITDA

Earnings before interest, taxes, depreciation, and amortization.

Kalkulator Margin Kasar

Gross profit and margin from revenue and COGS.

Kalkulator Susut Nilai

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

Kalkulator Modal Kerja

Current assets minus current liabilities.

Kalkulator Pusing Ganti Inventori

COGS ÷ average inventory; days of inventory.

Kalkulator Kos Marginal

Cost of producing one additional unit.

Kalkulator EOQ

Optimal order size that minimizes inventory cost.

Keanjalan Harga Permintaan

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

Kalkulator Aliran Tunai Bebas

FCF = operating cash flow − capital expenditures.

Kalkulator Pertumbuhan Hasil

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

Kalkulator Inflasi

Adjust a dollar amount across years using CPI.

Kalkulator KDNK

GDP = C + I + G + (X − M).

Kalkulator Pengangguran

Unemployed ÷ labor force × 100.

Kalkulator Inflasi CPI

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

Kadar Pertumbuhan Kompaun

Annualized growth rate between two endpoints.

Kalkulator Pengganda Wang

1 ÷ reserve ratio — banking money creation.

Kalkulator Kadar Faedah Sebenar

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

Kalkulator Peraturan 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 Cukai UK

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

Duti Setem UK

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

Kalkulator Zakat

2.5% Zakat on zakatable wealth above nisab.

Kadar Pertukaran Silang

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

Retracement Fibonacci

Standard Fibonacci support/resistance levels.

Kalkulator Hilang Upaya 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 Pembilang Wang

Total cash from bill and coin denominations.