ToolPebBusiness & Finance tools
Find calculations and practical tools relevant to business & finance. Check the method, units and limits before using a result.
EMI CalculatorCalculate monthly loan repayments.SIP CalculatorEstimate systematic investment growth.Fixed Deposit CalculatorEstimate fixed deposit maturity.GST CalculatorAdd or remove GST.Salary BreakupEstimate take-home salary from deductions.Simple InterestCalculate simple interest.Compound InterestEstimate compound growth.Loan AffordabilityEstimate maximum loan principal from an affordable monthly payment.Loan PayoffEstimate months to repay a balance at a fixed payment.Refinance SavingsCompare total scheduled interest for two loan rates.Credit Card PayoffEstimate repayment time for a credit card balance.Savings GoalCalculate monthly deposits required to reach a target.Lump Sum InvestmentEstimate future value of a one-time investment.Present ValueDiscount a future amount to today’s value.CAGRCalculate compound annual growth rate.Return on InvestmentCalculate net return on an investment.Inflation CalculatorEstimate future prices with constant inflation.Purchasing PowerEstimate the current purchasing power of future money.Retirement CorpusProject accumulated retirement savings.Retirement WithdrawalEstimate first-year withdrawal using a chosen rate.Annuity PaymentEstimate level monthly income from a fixed fund.Rental YieldCalculate gross annual rental yield.Capitalization RateCalculate property cap rate from net operating income.Rent vs Buy (Basic)Compare annual rent with annual mortgage payments only.Profit MarginCalculate net profit margin on revenue.Markup CalculatorCalculate markup and sale price from cost.Break-Even UnitsCalculate units needed to cover fixed costs.Net Present ValueCalculate NPV for constant annual cash flows.Payback PeriodCalculate simple payback period for steady cash flows.Current RatioMeasure short-term assets relative to liabilities.Debt to EquityCalculate total debt relative to equity.Straight-Line DepreciationCalculate annual straight-line depreciation.Bond Current YieldCalculate annual coupon relative to market price.Dividend YieldCalculate annual dividends as a percentage of share price.Portfolio WeightCalculate one asset’s percentage of a portfolio.Emergency FundCalculate savings required for a chosen number of months.Effective Annual RateConvert nominal interest rate to effective annual rate.Tax & Discount PriceApply discount then a general sales tax rate.Currency Exchange FeesCalculate converted amount after exchange spread and fixed fee.Gross Margin PercentageGross profit margin from revenue and COGSMarkup PercentageMarkup over purchase costDays of InventoryInventory days using average inventory and annual COGSInventory turnoverFinance & accounting · Financial · Compare cost of sales with average inventory value.Operating marginFinance & accounting · Financial · Compare income from operations with net revenue.Liabilities-to-equity ratio (SEC convention)Finance & accounting · Financial · Compare total liabilities with shareholders equity.Working capitalFinance & accounting · Financial · Current assets remaining after current liabilities.Invoice error proportionFinance & accounting · Quality · Locally defined measure of invoice error proportion.Contribution margin per unitContribution = selling price − variable costUnits for a target operating profitUnits = ceil((fixed costs + target profit) / (price − variable cost))Gross profit amountGross profit = revenue − cost of goods soldNet profit marginMargin = net income / revenue × 100Average order valueAOV = matched order revenue / ordersCustomer acquisition costCAC = acquisition spend / attributed new customersCustomer churn from a starting cohortChurn = starting-cohort losses / starting customers × 100Revenue per average employeeRevenue / average FTEHourly gross payGross pay = paid hours × rateFull-time equivalents from hoursFTE = total hours / full-time standard hoursMeeting staff-time costCost = participants × hourly cost × minutes/60Backlog days at constant throughputDays = backlog / completions per dayDays sales outstandingDSO = average receivables / credit sales × period daysDays payables outstandingDPO = average payables / period COGS × period daysCash conversion cycleCCC = DIO + DSO − DPOEconomic order quantityEOQ = √(2DS/H)Reorder point with supplied safety stockROP = daily demand × lead time + safety stockSales margin of safetyMargin of safety = actual sales − break-even salesUnit priceUnit price = package price / comparable quantityWeighted average unit inventory costAverage = (Q₁C₁ + Q₂C₂) / (Q₁ + Q₂)Quotation & Invoice BuilderAdd line items, quantities, prices, discount and tax; export a printable document.ZIP Compressor & ExtractorCreate ZIP files or open a ZIP with its password. Keep your original files.PowerPoint CompressorReduce embedded image size in PPTX. Also supports DOCX and XLSX.Office File CompressorRecompress images in PowerPoint, Word and Excel files.Excel Sheet & Workbook UnlockerRemove worksheet and workbook editing protection from an unencrypted XLSX file. File-open passwords are not removed.PDF Compressor & OptimiserLossless object-stream optimisation for readable, unsigned PDFs; size reduction varies.Currency ConverterLatest internet reference rates with source, rate date and automatic calculation.Professional Worksheet StudioEditable logs, action plans and cost/ratio worksheets for 48 work areas. Save your own layout and export CSV.ZIP Password RecoveryTry password clues against your own encrypted ZIP. Recovery is not guaranteed.File Password RecoveryTry remembered password clues for supported ZIP and PDF files. Office file-open encryption is not supported.