Finance calculators
Free finance calculators: tips and bill splitting, house flipping profit, cap rate, cash-on-cash return, rental property cash flow, mortgage recast and seller closing costs, plus cash counting, time to decimal hours, weekly overtime pay, prorated rent, PTO, 401(k), TSP, T-bills and retirement.
Money Counter: Notes, Coins & Cash Drawer
Count cash by denomination in USD, GBP or EUR. Reconcile a cash drawer, separate your float and deposit, and print or download the breakdown.
Overtime Pay Calculator
Calculate regular, overtime and double-time gross pay by week. Customize your threshold and multiplier, compare weeks and download a pay breakdown.
Hourly to Salary Calculator
Calculate your pay per hour from salary or convert an hourly wage to annual pay. Set actual paid hours and weeks, overtime, and USD, GBP or EUR.
How Long Will My Money Last Calculator
Retirement withdrawal calculator: see how long savings last with monthly withdrawals, return and inflation, how much you can withdraw, and the 4% rule.
PTO Accrual Calculator
Calculate how much paid time off you earn per pay period, per hour worked or per year, and your projected PTO balance on any date.
TSP Calculator (Thrift Savings Plan Growth)
Project your Thrift Savings Plan balance with your contributions, the federal agency match (up to 5%), raises and expected return.
Pay Raise & Pay Increase Calculator
Calculate a pay increase from old and new salary, raise percentage or amount. Compare the extra pay each period and estimate gross annual changes.
Work Hours Calculator (Time Card With Breaks)
Add up hours worked from clock-in and clock-out times, minus breaks, for a day or a week, with decimal hours, overtime and gross pay.
401(k) Early Withdrawal Calculator: Tax & Penalty
Estimate what you keep after cashing out a 401(k) early: 10% IRS penalty, 20% withholding, federal tax and the exceptions that apply.
401(k), 403(b) & 457 Calculator With Match
Project your 401(k), 403(b) or 457(b) balance with employer match, 2026 IRS contribution limits, catch-up contributions and growth.
Treasury Bill Calculator: T-Bill Price & Yield
Price a Treasury bill from its discount rate, or find the investment rate and interest earned on 4- to 52-week T-bills, per TreasuryDirect.
Prorated Rent Calculator
Prorated rent for a move-in, move-out or date range, by actual days, 365-day year or 30-day month, any rent due day, plus the 3x rent check.
Discount Calculator (Percent Off & Sale Price)
How to calculate a discount: 40% off $60 is $36. Get the sale price and savings step by step, stack discounts, add tax or find the original price.
House Flipping Calculator
Estimate house flip profit with rehab, holding, financing and selling costs. Find project ROI, break-even resale and a maximum purchase price for your profit target.
Cap Rate Calculator
Calculate real estate cap rate from annual NOI and property value, build NOI from rent and expenses, or solve for property value and required income.
Cash-on-Cash Return Calculator
Find annual cash-on-cash return from pre-tax cash flow and invested cash. Include acquisition costs, repairs and reserves, and calculate the cash flow needed for a target yield.
Rental Property Cash Flow Calculator
Estimate monthly rental cash flow after vacancy, expenses, debt service and reserves. See annual NOI, break-even rent, occupancy and vacancy sensitivity.
Mortgage Recast Calculator
Estimate your payment after a mortgage recast. Compare interest, fees and payoff timing with keeping the old payment after the same lump-sum principal payment.
Seller Closing Cost Calculator
Estimate seller closing costs and net proceeds with negotiated commissions, taxes, fees, concessions and mortgage payoffs. Find the sale price needed for your proceeds target.
Tip Calculator: Tip Amount & Bill Split
Calculate the tip on any bill at 15%, 18%, 20% or a custom rate, tip before or after tax, round the total and split it evenly between people.
Time to Decimal Hours Converter
Convert hours and minutes to decimal hours for payroll and timesheets (7:45 = 7.75), or decimal hours back to h:mm. Full minutes-to-decimal chart.