Finance & Planning Calculators

Retirement, mortgages, moving, business ROI, and education planning tools — with editable example defaults and honest math, not fake quotes.

Finance

401(k) Loan Calculator

Estimate a 401(k) loan: max borrowable, monthly repayment over 5 years, and the opportunity cost of lost ...

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457(b) Retirement Calculator

Estimate 457(b) plan growth: contributions, employer match, and the penalty-free withdrawal advantage sta...

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FERS Retirement Calculator

Estimate your Federal Employees Retirement System (FERS) annuity from high-3 average salary and years of ...

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Mortgage Insurance (PMI) Calculator

Estimate private mortgage insurance (PMI): annual premium on a conventional loan under 20% down, monthly ...

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Jumbo Loan Calculator

Estimate a jumbo mortgage payment and compare it to a conforming loan — the high-balance financing for ho...

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15-Year Mortgage Calculator

Compare a 15-year vs 30-year mortgage: higher monthly payment, dramatically lower total interest, and the...

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Construction Loan Calculator

Estimate a construction loan: interest-only payments during the build phase, then the permanent mortgage ...

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Money Market Calculator

See how a money market account grows: APY on your cash, monthly and annual interest, and comparison to a ...

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Moving Truck Size Calculator

Find the right moving truck size by number of rooms, from a studio (cargo van) to a 4-bedroom house (26-f...

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Warehouse Storage Cost Calculator

Estimate monthly warehouse storage cost by pallet count and rate, or by square footage — for e-commerce a...

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International Moving Cost Calculator

Estimate international moving cost by household size and shipping method — shared container (LCL), full c...

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Inventory Turnover Calculator

Calculate inventory turnover ratio and days of inventory on hand — how many times you sell through your s...

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Event ROI Calculator

Estimate event return on investment: revenue (tickets, sponsors, on-site sales) minus costs, shown as a r...

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CPC ROI Simulator

Simulate pay-per-click ROI: ad spend, cost per click, conversion rate, and average order value to see tru...

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SEO Traffic Value Calculator

Estimate the monetary value of your organic search traffic — monthly visitors × conversion rate × average...

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IB Grade Calculator

Convert IB subject grades and points to a total IB Diploma score on the 45-point scale, and understand th...

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Extra Credit Grade Calculator

See how extra credit affects your grade: add points to your current score and total, and find the new per...

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Law School Admissions Calculator

Estimate your law school admissions index: combine LSAT score and undergraduate GPA into the weighted ind...

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Dog Chocolate Toxicity Calculator

Estimate chocolate toxicity risk for dogs: theobromine dose from chocolate type and weight, compared to t...

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Dimensional Weight Calculator

Calculate dimensional (DIM) weight for shipping — package volume ÷ divisor (166 USPS retail, 139 UPS/FedE...

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LTL vs FTL Shipping Cost Calculator

Compare less-than-truckload (LTL) vs full-truckload (FTL) freight cost to find the cheaper option and the...

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CAC to LTV Calculator

Compare customer acquisition cost (CAC) to customer lifetime value (LTV) — the LTV:CAC ratio that tells y...

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Discounted Cash Flow (DCF) Calculator

Value a business or project with discounted cash flow: project future free cash flows, apply a discount r...

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CPC ROI: a worked example

Say you spend $500 on ads at a $1.25 cost per click. That buys 400 clicks ($500 / $1.25). If your site converts 2.5% of clicks to orders, that is 10 orders (400 x 0.025). At a $60 average order value, revenue is $600 (10 x $60), so ROAS is 1.2x ($600 / $500) and raw ROI is +20%. That looks profitable until you subtract product cost.

If your gross margin is 40%, the 10 orders carry $240 of profit ($600 x 0.40) against $500 of ad spend, a net loss of $260. The break-even conversion rate at this CPC and AOV is $1.25 / ($60 x 0.40) = 5.2%: you would need to more than double the current 2.5% conversion rate, cut CPC to about $0.60, or raise AOV. This is why a calculator that stops at revenue-side ROAS overstates campaign health for thin-margin sellers.

Why DCF values swing so hard on two inputs

A discounted cash flow model puts most of the value in the terminal value, and terminal value is a fraction divided by a small difference. Take a business with $100,000 in year-5 free cash flow, 3% perpetual growth, and a 10% discount rate: terminal value = $100,000 x 1.03 / (0.10 - 0.03) = $1,471,429. Drop the discount rate one point to 9% and it becomes $103,000 / 0.06 = $1,716,667, a 17% jump in value from a single input you estimated.

The growth assumption is worse. At 10% discount, moving perpetual growth from 3% to 4% gives $104,000 / 0.06 = $1,733,333. If growth is set at or above the discount rate the formula returns a negative or infinite value, which is a modeling error, not a valuation. Practical rule: the discount rate minus growth spread should stay at least 4 points, and any valuation where terminal value exceeds roughly 75% of the total is too fragile to act on without sensitivity testing.