> For the complete documentation index, see [llms.txt](/llms.txt).
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# Finance API

93 endpoints — Exact interest, mortgage, APY, and other money math. Same auth, same credit pool, same JSON envelope. Use them directly from apps, content sites, workflows, or agents without rebuilding formulas, validation, and docs for each tool.
[Start free →](/billing/checkout/?plan=free) [View OpenAPI](/v1/docs) [All categories](/tools/)
Auto
[
Car Depreciation Calculator car-depreciation-calculator
Estimate vehicle depreciation using a declining-balance annual rate.
2cr · v2026-04-22
](/tools/car-depreciation-calculator/) [
Car Lease Calculator car-lease-calculator
Estimate monthly auto lease payment from cap cost, residual value, money factor, tax, and fees.
2cr · v2026-04-22
](/tools/car-lease-calculator/)
Bonds
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Bond Equivalent Yield Calculator bond-equivalent-yield-calculator
Calculate bond equivalent yield for a discount security.
2cr · v2026-04-22
](/tools/bond-equivalent-yield-calculator/) [
Zero Coupon Bond Calculator zero-coupon-bond-calculator
Calculate zero coupon bond price or yield to maturity.
2cr · v2026-04-22
](/tools/zero-coupon-bond-calculator/)
Credit
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Credit Card Interest Calculator credit-card-interest-calculator
Estimate credit card payoff time, interest cost, and payment strategy savings.
2cr · v2026-04-22
](/tools/credit-card-interest-calculator/)
Debt
[
Debt Coverage Ratio Calculator debt-coverage-ratio-calculator
Calculate debt service coverage ratio from NOI and debt service, or build NOI from property inputs.
2cr · v2026-04-22
](/tools/debt-coverage-ratio-calculator/) [
Debt to Income Ratio Calculator debt-to-income-ratio-calculator
Calculate debt-to-income ratio from monthly income and debt payments.
2cr · v2026-04-22
](/tools/debt-to-income-ratio-calculator/) [
Fixed Charge Coverage Ratio Calculator fixed-charge-coverage-ratio-calculator
Calculate fixed charge coverage ratio with optional EBITDA and principal-payment adjustments.
2cr · v2026-04-22
](/tools/fixed-charge-coverage-ratio-calculator/) [
Interest Coverage Ratio Calculator interest-coverage-ratio-calculator
Calculate EBIT or EBITDA based interest coverage ratio.
2cr · v2026-04-22
](/tools/interest-coverage-ratio-calculator/) [
Times Interest Earned Ratio Calculator times-interest-earned-ratio-calculator
Calculate times interest earned ratio and interest coverage safety margin.
2cr · v2026-04-22
](/tools/times-interest-earned-ratio-calculator/)
Depreciation
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Actual Cash Value Calculator actual-cash-value-calculator
Calculate actual cash value from replacement cost, age, lifespan, salvage, and depreciation method.
1cr · v2026-04-22
](/tools/actual-cash-value-calculator/)
Discounts
[
Discount Calculator discount-calculator
Calculate final price, savings, tax, stacked discounts, or BOGO deals.
1cr · v2026-04-22
](/tools/discount-calculator/) [
Percent Off Calculator percent-off-calculator
Calculate discount amount and sale price from original price and percent off.
1cr · v2026-04-22
](/tools/percent-off-calculator/)
Efficiency
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Average Collection Period Calculator average-collection-period-calculator
Calculate average collection period, receivables turnover, and industry benchmark spread.
2cr · v2026-04-22
](/tools/average-collection-period-calculator/) [
Debtor Days Calculator debtor-days-calculator
Calculate debtor days, receivables ratio, and working capital above a 30-day target.
2cr · v2026-04-22
](/tools/debtor-days-calculator/) [
Fixed Asset Turnover Calculator fixed-asset-turnover-calculator
Measure revenue generated per dollar of net fixed assets.
2cr · v2026-04-22
](/tools/fixed-asset-turnover-calculator/) [
Inventory Turnover Calculator inventory-turnover-calculator
Calculate inventory turnover, days sales in inventory, and annualized turnover.
2cr · v2026-04-22
](/tools/inventory-turnover-calculator/) [
Receivables Turnover Ratio Calculator receivables-turnover-ratio-calculator
Calculate receivables turnover and days sales outstanding.
2cr · v2026-04-22
](/tools/receivables-turnover-ratio-calculator/) [
Total Asset Turnover Calculator total-asset-turnover-calculator
Measure revenue generated per dollar of average total assets.
2cr · v2026-04-22
](/tools/total-asset-turnover-calculator/)
Financial Ratio
[
Goodwill to Assets Ratio Calculator goodwill-to-assets-ratio-calculator
Calculate goodwill-to-assets ratio and tangible asset share.
2cr · v2026-04-22
](/tools/goodwill-to-assets-ratio-calculator/) [
Retention Ratio Calculator retention-ratio-calculator
Calculate retention ratio, payout ratio, and retained earnings.
2cr · v2026-04-22
](/tools/retention-ratio-calculator/)
Interest
[
APR Calculator apr-calculator
Calculate true APR from loan amount, rolled-in fees, nominal rate, and term.
2cr · v2026-04-22
](/tools/apr-calculator/) [
APR to APY Calculator apr-to-apy-calculator
Convert APR to APY for a selected compounding frequency.
2cr · v2026-04-22
](/tools/apr-to-apy-calculator/) [
APY Calculator apy-calculator
Calculate annual percentage yield and compound growth.
2cr · v2026-04-22
](/tools/apy-calculator/) [
APY to APR Calculator apy-to-apr-calculator
Convert APY back to nominal APR for a compounding frequency.
2cr · v2026-04-22
](/tools/apy-to-apr-calculator/) [
Compound Interest Calculator compound-interest-calculator
Compound-interest formula with selectable compounding frequency.
2cr · v2026-04-22
](/tools/compound-interest-calculator/) [
Continuous Compounding Calculator continuous-compounding-calculator
Calculate future value and interest with continuous compounding.
1cr · v2026-04-22
](/tools/continuous-compounding-calculator/) [
Doubling Time Calculator doubling-time-calculator
Calculate exact doubling time, Rule of 72 estimates, or the rate required to double.
1cr · v2026-04-22
](/tools/doubling-time-calculator/) [
Effective Interest Rate Calculator effective-interest-rate-calculator
Convert a nominal interest rate to its effective annual rate.
2cr · v2026-04-22
](/tools/effective-interest-rate-calculator/) [
Effective Yield Calculator effective-yield-calculator
Calculate effective annual yield from nominal APR and compounding frequency.
2cr · v2026-04-22
](/tools/effective-yield-calculator/) [
Interest Rate Calculator interest-rate-calculator
Solve the implied annual interest rate from principal, term, and monthly payment.
2cr · v2026-04-22
](/tools/interest-rate-calculator/) [
Nominal Interest Rate Calculator nominal-interest-rate-calculator
Convert an effective annual rate to a nominal annual rate.
2cr · v2026-04-22
](/tools/nominal-interest-rate-calculator/) [
Simple Interest Calculator simple-interest-calculator
Simple-interest formula: I = P * r * t.
2cr · v2026-04-22
](/tools/simple-interest-calculator/)
Investing
[
Stock Profit Loss Calculator stock-profit-loss-calculator
Calculate stock trade profit, loss, ROI, and breakeven price.
2cr · v2026-04-22
](/tools/stock-profit-loss-calculator/)
Investment
[
Capital Employed Calculator capital-employed-calculator
Calculate capital employed by common balance-sheet methods and optional ROCE.
2cr · v2026-04-22
](/tools/capital-employed-calculator/)
Leverage
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Debt to Asset Ratio Calculator debt-to-asset-ratio-calculator
Calculate debt-to-asset ratio, equity ratio, and optional industry benchmark spread.
2cr · v2026-04-22
](/tools/debt-to-asset-ratio-calculator/) [
Debt to Equity Ratio Calculator debt-to-equity-ratio-calculator
Calculate debt-to-equity ratio, equity multiplier, and capital structure shares.
2cr · v2026-04-22
](/tools/debt-to-equity-ratio-calculator/) [
Equity Ratio Calculator equity-ratio-calculator
Calculate equity ratio, debt ratio, equity multiplier, and industry benchmark spread.
2cr · v2026-04-22
](/tools/equity-ratio-calculator/)
Liquidity
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Cash Ratio Calculator cash-ratio-calculator
Calculate cash ratio from cash, marketable securities, and current liabilities.
2cr · v2026-04-22
](/tools/cash-ratio-calculator/) [
Current Ratio Calculator current-ratio-calculator
Calculate current ratio and working capital from current assets and liabilities.
2cr · v2026-04-22
](/tools/current-ratio-calculator/) [
Loan to Deposit Ratio Calculator loan-to-deposit-ratio-calculator
Calculate bank loan-to-deposit ratio, deposit coverage, and liquidity status.
2cr · v2026-04-22
](/tools/loan-to-deposit-ratio-calculator/) [
Quick Ratio Calculator quick-ratio-calculator
Calculate quick ratio, quick assets, current ratio, and liquidity rating.
2cr · v2026-04-22
](/tools/quick-ratio-calculator/)
Loans
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Auto Loan Calculator auto-loan-calculator
Calculate auto loan amount, monthly payment, tax, and total interest.
2cr · v2026-04-22
](/tools/auto-loan-calculator/) [
Business Loan Calculator business-loan-calculator
Estimate business loan payments, fees, payoff time, and interest.
2cr · v2026-04-22
](/tools/business-loan-calculator/) [
Car Loan Payoff Calculator car-loan-payoff-calculator
Compare standard and accelerated payoff for a car loan.
2cr · v2026-04-22
](/tools/car-loan-payoff-calculator/) [
Down Payment Calculator down-payment-calculator
Estimate mortgage down payment, loan amount, monthly payment, PMI, and comparison scenarios.
2cr · v2026-04-22
](/tools/down-payment-calculator/) [
EMI Calculator emi-calculator
Calculate equated monthly installment and total interest for a loan.
2cr · v2026-04-22
](/tools/emi-calculator/) [
Loan Payoff Calculator loan-payoff-calculator
Calculate loan payoff months and savings from extra monthly payments.
2cr · v2026-04-22
](/tools/loan-payoff-calculator/) [
Mortgage Calculator mortgage-calculator
Monthly payment, total interest, LTV, and optional amortization schedule.
5cr · v2026-04-22
](/tools/mortgage-calculator/) [
Personal Loan Calculator personal-loan-calculator
Calculate personal loan payment, payoff time, interest, and extra-payment savings.
2cr · v2026-04-22
](/tools/personal-loan-calculator/)
Marketing
[
ROAS Calculator roas-calculator
Calculate return on ad spend, profit, ROI, or target revenue.
2cr · v2026-04-22
](/tools/roas-calculator/)
Profit
[
Break-Even Calculator break-even-calculator
Calculate break-even units, revenue, contribution margin, and target-profit units.
1cr · v2026-04-22
](/tools/break-even-calculator/) [
EBIT Calculator ebit-calculator
Calculate EBIT and EBIT margin from revenue, expenses, and non-operating income.
2cr · v2026-04-22
](/tools/ebit-calculator/) [
EBITDA Calculator ebitda-calculator
Calculate EBITDA using net income or operating income inputs.
2cr · v2026-04-22
](/tools/ebitda-calculator/)
Profitability
[
Cash Flow Margin Calculator cash-flow-margin-calculator
Calculate operating cash flow margin as a percentage of net sales.
2cr · v2026-04-22
](/tools/cash-flow-margin-calculator/) [
Earnings per Share Calculator earnings-per-share-calculator
Calculate basic, diluted, or weighted earnings per share.
2cr · v2026-04-22
](/tools/earnings-per-share-calculator/) [
EBIT Margin Calculator ebit-margin-calculator
Calculate EBIT margin and EBIT-to-revenue ratio.
2cr · v2026-04-22
](/tools/ebit-margin-calculator/) [
EBITDA Margin Calculator ebitda-margin-calculator
Calculate EBITDA margin from direct EBITDA or component inputs.
2cr · v2026-04-22
](/tools/ebitda-margin-calculator/) [
Gross Profit Margin Calculator gross-profit-margin-calculator
Calculate gross profit, gross margin, markup, and cost ratio.
2cr · v2026-04-22
](/tools/gross-profit-margin-calculator/) [
Net Profit Margin Calculator net-profit-margin-calculator
Calculate net profit margin and profit per revenue dollar.
2cr · v2026-04-22
](/tools/net-profit-margin-calculator/) [
Operating Margin Calculator operating-margin-calculator
Calculate operating margin from operating income or detailed operating components.
2cr · v2026-04-22
](/tools/operating-margin-calculator/) [
Profit Calculator profit-calculator
Solve profit, margin, markup, revenue, or cost from the known values.
2cr · v2026-04-22
](/tools/profit-calculator/) [
Profit to Sales Ratio Calculator profit-to-sales-ratio-calculator
Calculate profit-to-sales ratio and compare it with an industry benchmark.
2cr · v2026-04-22
](/tools/profit-to-sales-ratio-calculator/) [
Return on Assets Ratio Calculator return-on-assets-ratio-calculator
Calculate ROA with optional DuPont margin and asset-turnover breakdown.
2cr · v2026-04-22
](/tools/return-on-assets-ratio-calculator/) [
Return On Equity Calculator return-on-equity-calculator
Calculate ROE with optional 3- or 5-component DuPont analysis.
2cr · v2026-04-22
](/tools/return-on-equity-calculator/) [
Return On Sales Calculator return-on-sales-calculator
Calculate return on sales, operating cost ratio, and ROS decimal.
2cr · v2026-04-22
](/tools/return-on-sales-calculator/)
Real Estate
[
Capitalization Rate Calculator capitalization-rate-calculator
Solve cap rate, property value, or required NOI for real estate income analysis.
2cr · v2026-04-22
](/tools/capitalization-rate-calculator/) [
Gross Rent Multiplier Calculator gross-rent-multiplier-calculator
Calculate gross rent multiplier and rental yield for a property.
2cr · v2026-04-22
](/tools/gross-rent-multiplier-calculator/) [
Home Equity Calculator home-equity-calculator
Calculate home equity, LTV, CLTV, and optional five-year equity projection.
2cr · v2026-04-22
](/tools/home-equity-calculator/) [
Moving Cost Estimator moving-cost-estimator
Estimate moving costs from home size, distance, service level, and access factors.
2cr · v2026-04-22
](/tools/moving-cost-estimator/)
Retail
[
Markup Calculator markup-calculator
Calculate markup percentage, selling price, cost, profit, and margin.
1cr · v2026-04-22
](/tools/markup-calculator/)
Return
[
Dividend Payout Ratio Calculator dividend-payout-ratio-calculator
Calculate dividend payout ratio and retention ratio from total or per-share inputs.
2cr · v2026-04-22
](/tools/dividend-payout-ratio-calculator/) [
Dividend Yield Calculator dividend-yield-calculator
Calculate dividend yield, per-payment dividend, and optional annual income.
2cr · v2026-04-22
](/tools/dividend-yield-calculator/) [
ROI Calculator roi-calculator
Calculate ROI, annualized ROI, CAGR, and investment term from fixed dates.
2cr · v2026-04-22
](/tools/roi-calculator/)
Salary
[
Hourly to Salary Calculator hourly-to-salary-calculator
Convert an hourly wage to weekly, monthly, and annual salary.
2cr · v2026-04-22
](/tools/hourly-to-salary-calculator/) [
Hourly Wage Calculator hourly-wage-calculator
Convert annual salary to equivalent hourly wage.
2cr · v2026-04-22
](/tools/hourly-wage-calculator/) [
Salary Conversion Calculator salary-conversion-calculator
Convert wage amounts across hourly, daily, weekly, monthly, and annual pay periods.
2cr · v2026-04-22
](/tools/salary-conversion-calculator/) [
Weekly Wage Calculator weekly-wage-calculator
Convert annual salary to weekly wage.
2cr · v2026-04-22
](/tools/weekly-wage-calculator/)
Sales
[
Commission Calculator commission-calculator
Calculate flat, tiered, or bonus-based sales commission.
2cr · v2026-04-22
](/tools/commission-calculator/)
Savings
[
Compound Savings Calculator compound-savings-calculator
Project savings growth with compound interest and regular contributions.
1cr · v2026-04-22
](/tools/compound-savings-calculator/)
TVM
[
Future Value Calculator future-value-calculator
Calculate future value from a lump sum plus optional recurring contributions.
2cr · v2026-04-22
](/tools/future-value-calculator/) [
Future Value Factor Calculator future-value-factor-calculator
Calculate the future value factor for a rate and number of periods.
2cr · v2026-04-22
](/tools/future-value-factor-calculator/) [
Future Value of Annuity Calculator future-value-of-annuity-calculator
Calculate future value for ordinary annuities and annuities due.
2cr · v2026-04-22
](/tools/future-value-of-annuity-calculator/) [
Future Value of Annuity Due Calculator future-value-of-annuity-due-calculator
Calculate future value of an annuity due and compare it with an ordinary annuity.
2cr · v2026-04-22
](/tools/future-value-of-annuity-due-calculator/) [
Future Value of Growing Annuity Calculator future-value-of-growing-annuity-calculator
Calculate future value for payments that grow each period.
2cr · v2026-04-22
](/tools/future-value-of-growing-annuity-calculator/) [
Future Value of Lump Sum Calculator future-value-of-lump-sum-calculator
Calculate compound future value for a single lump-sum investment.
2cr · v2026-04-22
](/tools/future-value-of-lump-sum-calculator/) [
FVIFA Calculator fvifa-calculator
Calculate the future value interest factor of an annuity.
2cr · v2026-04-22
](/tools/fvifa-calculator/) [
Present Value of Annuity Calculator present-value-of-annuity-calculator
Calculate present value for ordinary annuities and annuities due.
2cr · v2026-04-22
](/tools/present-value-of-annuity-calculator/) [
Present Value of Lump Sum Calculator present-value-of-lump-sum-calculator
Discount a future lump sum back to present value.
2cr · v2026-04-22
](/tools/present-value-of-lump-sum-calculator/)
Tax
[
VAT Calculator vat-calculator
Add, remove, or extract VAT from an amount using a preset or custom rate.
2cr · v2026-04-22
](/tools/vat-calculator/)
Valuation
[
Book Value per Share Calculator book-value-per-share-calculator
Calculate book value per share, common equity, and optional price-to-book ratio.
2cr · v2026-04-22
](/tools/book-value-per-share-calculator/) [
P/E Ratio Calculator p-e-ratio-calculator
Calculate price-to-earnings ratio, earnings yield, and sector benchmark premium.
2cr · v2026-04-22
](/tools/p-e-ratio-calculator/) [
Price to Book Ratio Calculator price-to-book-ratio-calculator
Calculate price-to-book ratio and compare it to industry benchmark ranges.
2cr · v2026-04-22
](/tools/price-to-book-ratio-calculator/)
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