Financial & Currency Tools
Currency conversion with real fees baked in, loan and interest maths, margin and payroll checks — the numbers that decide whether a deal is worth doing.
Built for freelancers, travellers, small business owners. 55 tools published.
1099 vs W-2
Going contract means picking up both halves of payroll tax, losing paid leave, and buying your own benefits. The rate has to move a long way to break even.
💰Amortization Schedule
See exactly how much of each payment is interest and how much touches the balance — month by month, with an extra-payment field that shows the years it removes.
💰Annual to Monthly Rent
Include rent-free periods and recurring occupancy charges in a monthly comparison.
💰Approval Delay Cost
Price the capacity blocked by approvals without pretending every delayed hour is fully billable.
💰Auto Loan
The longer term buys a smaller payment with time spent owing more than the car is worth. That gap is only invisible until you have to sell.
💰Billable Hours to FTE
Account for utilization and nonproductive shrinkage instead of assuming every paid hour is deliverable.
💰Bonus Withholding
22% federal plus 7.65% payroll is 29.65% before state tax. It is a deposit against your real bill, and it settles at filing either way.
💰Capital Gains
Long-term means held more than a year, so selling on the anniversary is short-term. The 0% band is also far wider than most people realise.
💰Car Depreciation
The same percentage applied to a shrinking number is front-loaded. It is usually the largest cost of owning a car and the only one with no bill attached.
💰Card Rate Comparison
Compare user-entered Visa, Mastercard, issuer or bank scenarios side by side without fetching or claiming an official live rate.
💰Cash Conversion Cycle
Translate inventory, receivable and payable timing into days of cash exposure.
💰Compound Interest
Fifty-seven per cent of a thirty-year result arrives in the final third. The first ten years look like a savings account because they are one.
💰Compressed Workweek Pay
Separate regular and entered overtime hours without assuming local eligibility rules.
💰Creative Fatigue Review
Turn audience size, delivery pace and frequency threshold into a review date.
💰DCC vs Local Currency
Compare two quoted routes with their own rates and fees, identify the cheaper choice and calculate the break-even DCC rate.
💰Early Payment Discount
Compare a supplier discount with the financing cost of paying sooner.
💰EV Charging
A rated charger power is a peak, not an average, and charging losses mean you pay for energy the battery never receives.
💰Fee Drag
The fee is charged on the whole balance every year, so it compounds against you. Over forty years it costs more money than you ever contributed.
💰Fee to Day Rate
Account for delivery, sales and unpaid revision time in a fixed fee.
💰Idle Fuel Cost
Scale an observed or manufacturer idle fuel rate across hours and operating days.
💰License Renewal Cost
Combine filing fees, staff time, professional help and late-risk reserve.
💰Make-Ready Timeline
Separate parallel cleaning and repair work from sequential drying, inspection and leasing buffers.
💰Marginal vs Effective
Crossing into the 24% bracket costs 24 cents on the dollars above the line and nothing on the dollars below it. The arithmetic makes it impossible to lose.
💰Meeting Cost
Nobody invoices for a meeting, so nobody prices one. Eight people at 60 an hour is 480 an hour — and 480 a week is a salary.
💰Minimum Payment
The minimum is a percentage of a shrinking balance, so it shrinks too. Freezing it at today's figure changes almost everything.
💰Mortgage Overpayment
When you overpay matters more than how much. The same lump sum is worth six times as much at the start of a mortgage as it is near the end.
💰Mortgage PITI
Principal and interest is the advertised number. Tax, insurance and PMI add about a quarter more, and PMI has an exit date nobody tells you about.
💰Mortgage Recast
Compare the scheduled payment before and after applying a principal reduction over the remaining term.
💰MRR to Contract Value
Separate recurring term value from setup fees, discounts and churn exposure.
💰Overseas Card Cost
Enter the Visa, Mastercard or bank rate you were quoted and separate conversion, issuer fees, markup, fixed charges and rewards.
💰Page Test Duration
Convert sample target, traffic and eligibility into a calendar estimate.
💰Payment Terms
Two per cent to pay twenty days early sounds small. Annualised it is more expensive than almost any loan the business has.
💰Price per Square Foot
Distinguish usable area from chargeable area and add a visible contingency.
💰Property Reserve
Combine an operating-gap allowance with scheduled replacement funding and contingency.
💰Proposal Preparation Cost
Value discovery, writing, review and outside expenses before bidding.
💰Reach and Frequency
Reconcile unique reach, average frequency and delivered impressions.
💰Rental Turnover Cost
Combine vacancy loss and make-ready cash costs on one turnover ledger.
💰Roth vs Traditional
Most calculators compare 7,000 against 7,000, which is not the same sacrifice. Invest the Traditional's tax refund too and the difference vanishes to the cent.
💰Safe Harbor
The penalty is for paying too little during the year, not for owing at the end. Paying 110% of last year's tax protects you however big this year gets.
💰Salary Converter
An employee is paid for 2,080 hours and works about 1,880 of them. Billing only the worked ones needs a 10.6% uplift just to break even.
💰Sales Tax & VAT
1,000 gross at 20% is 833.33 net, not 800. The tax was a percentage of the smaller number, so removing it divides rather than subtracts.
💰SALT Cap
Above $505,000 of MAGI the cap drops 30 cents per dollar of income. Losing deduction on top of paying tax is what makes the real rate so much higher than the bracket.
💰Seat to Usage Price
Find the usage rate that is economically equivalent to a seat subscription.
💰Self-Employment Tax
The rate applies to 92.35% of your profit, because the law removes what an employer's share would have been. On $100,000 that is $1,170 less than the number everyone quotes.
💰Shift Differential Pay
Apply a percentage or hourly differential to regular shift hours.
💰SOP Checklist
Number user-supplied steps and add evidence prompts without inventing the operating procedure.
💰Split the Bill
100 divided by three is 33.33 each, which totals 99.99. This hands out the leftover pennies so the parts match the bill exactly.
💰Standard vs Itemized
You take the larger of the two, so itemised deductions under the threshold are worth exactly zero. Bunching two years into one is how people fix that.
💰Tenant Improvement
Reconcile allowance, landlord work and tenant build-out instead of quoting only dollars per square foot.
💰Tiered Pricing Table
Apply graduated tiers without gaps, overlap or charging every unit at the final marginal rate.
💰Transfer Cost
The fee is printed on the receipt. The exchange-rate margin is not, because arithmetically it is not a charge — the provider simply quotes a worse rate.
💰Trip Fuel Cost
MPG is upside down, so equal-looking gains are not equal. This works out a trip in either unit and shows the cost per person.
💰Vendor Scorecard
Compare two vendors with visible criteria weights instead of an unexplained recommendation.
💰Weekly to Monthly Capacity
Use explicit workdays rather than silently applying a fixed 4.33-week multiplier.
💰Wholesale Quote
Combine quantity, unit price, discount, shipping and validity into a dated-ready calculation.