For the complete documentation index, see llms.txt.

Finance API

103 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.

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Auto

Car Depreciation Calculatorcar-depreciation-calculator

Estimate vehicle depreciation using a declining-balance annual rate.

2cr · v2026-04-22

Car Lease Calculatorcar-lease-calculator

Estimate monthly auto lease payment from cap cost, residual value, money factor, tax, and fees.

2cr · v2026-04-22

Bonds

Bond Equivalent Yield Calculatorbond-equivalent-yield-calculator

Calculate bond equivalent yield for a discount security.

2cr · v2026-04-22

Zero Coupon Bond Calculatorzero-coupon-bond-calculator

Calculate zero coupon bond price or yield to maturity.

2cr · v2026-04-22

Credit

Credit Card Interest Calculatorcredit-card-interest-calculator

Estimate credit card payoff time, interest cost, and payment strategy savings.

2cr · v2026-04-22

Credit Card Calculators

Credit Card Payment Calculatorcredit-card-payment-calculator

Calculate the fixed monthly payment needed to pay off a credit card balance over a chosen number of months.

1cr · v2026-04-22

Credit Card Payoff Calculatorcredit-card-payoff-calculator

Estimate how long a credit card payoff plan will take and how much interest it costs.

1cr · v2026-04-22

Debt

Debt Coverage Ratio Calculatordebt-coverage-ratio-calculator

Calculate debt service coverage ratio from NOI and debt service, or build NOI from property inputs.

2cr · v2026-04-22

Debt to Income Ratio Calculatordebt-to-income-ratio-calculator

Calculate debt-to-income ratio from monthly income and debt payments.

2cr · v2026-04-22

Fixed Charge Coverage Ratio Calculatorfixed-charge-coverage-ratio-calculator

Calculate fixed charge coverage ratio with optional EBITDA and principal-payment adjustments.

2cr · v2026-04-22

Interest Coverage Ratio Calculatorinterest-coverage-ratio-calculator

Calculate EBIT or EBITDA based interest coverage ratio.

2cr · v2026-04-22

Times Interest Earned Ratio Calculatortimes-interest-earned-ratio-calculator

Calculate times interest earned ratio and interest coverage safety margin.

2cr · v2026-04-22

Debt Calculators

Debt Payoff Calculatordebt-payoff-calculator

Compare debt snowball and avalanche payoff strategies for a small list of debts.

1cr · v2026-04-22

Depreciation

Actual Cash Value Calculatoractual-cash-value-calculator

Calculate actual cash value from replacement cost, age, lifespan, salvage, and depreciation method.

1cr · v2026-04-22

Discounts

Discount Calculatordiscount-calculator

Calculate final price, savings, tax, stacked discounts, or BOGO deals.

1cr · v2026-04-22

Percent Off Calculatorpercent-off-calculator

Calculate discount amount and sale price from original price and percent off.

1cr · v2026-04-22

Efficiency

Average Collection Period Calculatoraverage-collection-period-calculator

Calculate average collection period, receivables turnover, and industry benchmark spread.

2cr · v2026-04-22

Debtor Days Calculatordebtor-days-calculator

Calculate debtor days, receivables ratio, and working capital above a 30-day target.

2cr · v2026-04-22

Fixed Asset Turnover Calculatorfixed-asset-turnover-calculator

Measure revenue generated per dollar of net fixed assets.

2cr · v2026-04-22

Inventory Turnover Calculatorinventory-turnover-calculator

Calculate inventory turnover, days sales in inventory, and annualized turnover.

2cr · v2026-04-22

Receivables Turnover Ratio Calculatorreceivables-turnover-ratio-calculator

Calculate receivables turnover and days sales outstanding.

2cr · v2026-04-22

Total Asset Turnover Calculatortotal-asset-turnover-calculator

Measure revenue generated per dollar of average total assets.

2cr · v2026-04-22

Financial Ratio

Goodwill to Assets Ratio Calculatorgoodwill-to-assets-ratio-calculator

Calculate goodwill-to-assets ratio and tangible asset share.

2cr · v2026-04-22

Retention Ratio Calculatorretention-ratio-calculator

Calculate retention ratio, payout ratio, and retained earnings.

2cr · v2026-04-22

Interest

APR Calculatorapr-calculator

Calculate true APR from loan amount, rolled-in fees, nominal rate, and term.

2cr · v2026-04-22

APR to APY Calculatorapr-to-apy-calculator

Convert APR to APY for a selected compounding frequency.

2cr · v2026-04-22

APY Calculatorapy-calculator

Calculate annual percentage yield and compound growth.

2cr · v2026-04-22

APY to APR Calculatorapy-to-apr-calculator

Convert APY back to nominal APR for a compounding frequency.

2cr · v2026-04-22

Compound Interest Calculatorcompound-interest-calculator

Compound-interest formula with selectable compounding frequency.

2cr · v2026-04-22

Continuous Compounding Calculatorcontinuous-compounding-calculator

Calculate future value and interest with continuous compounding.

1cr · v2026-04-22

Doubling Time Calculatordoubling-time-calculator

Calculate exact doubling time, Rule of 72 estimates, or the rate required to double.

1cr · v2026-04-22

Effective Interest Rate Calculatoreffective-interest-rate-calculator

Convert a nominal interest rate to its effective annual rate.

2cr · v2026-04-22

Effective Yield Calculatoreffective-yield-calculator

Calculate effective annual yield from nominal APR and compounding frequency.

2cr · v2026-04-22

Interest Rate Calculatorinterest-rate-calculator

Solve the implied annual interest rate from principal, term, and monthly payment.

2cr · v2026-04-22

Nominal Interest Rate Calculatornominal-interest-rate-calculator

Convert an effective annual rate to a nominal annual rate.

2cr · v2026-04-22

Simple Interest Calculatorsimple-interest-calculator

Simple-interest formula: I = P * r * t.

2cr · v2026-04-22

Investing

Stock Profit Loss Calculatorstock-profit-loss-calculator

Calculate stock trade profit, loss, ROI, and breakeven price.

2cr · v2026-04-22

Investment

Capital Employed Calculatorcapital-employed-calculator

Calculate capital employed by common balance-sheet methods and optional ROCE.

2cr · v2026-04-22

WACC Calculatorwacc-calculator

Calculate weighted average cost of capital and component contributions.

1cr · v2026-04-22

Leverage

Debt to Asset Ratio Calculatordebt-to-asset-ratio-calculator

Calculate debt-to-asset ratio, equity ratio, and optional industry benchmark spread.

2cr · v2026-04-22

Debt to Equity Ratio Calculatordebt-to-equity-ratio-calculator

Calculate debt-to-equity ratio, equity multiplier, and capital structure shares.

2cr · v2026-04-22

Equity Ratio Calculatorequity-ratio-calculator

Calculate equity ratio, debt ratio, equity multiplier, and industry benchmark spread.

2cr · v2026-04-22

Liquidity

Cash Ratio Calculatorcash-ratio-calculator

Calculate cash ratio from cash, marketable securities, and current liabilities.

2cr · v2026-04-22

Current Ratio Calculatorcurrent-ratio-calculator

Calculate current ratio and working capital from current assets and liabilities.

2cr · v2026-04-22

Loan to Deposit Ratio Calculatorloan-to-deposit-ratio-calculator

Calculate bank loan-to-deposit ratio, deposit coverage, and liquidity status.

2cr · v2026-04-22

Quick Ratio Calculatorquick-ratio-calculator

Calculate quick ratio, quick assets, current ratio, and liquidity rating.

2cr · v2026-04-22

Loan Calculators

Amortization Calculatoramortization-calculator

Calculate loan payment, interest, payoff timing, and savings from extra monthly principal.

1cr · v2026-04-22

HELOC Calculatorheloc-calculator

Estimate HELOC draw-period and repayment-period payments, interest cost, and combined loan-to-value.

1cr · v2026-04-22

Loans

Auto Loan Calculatorauto-loan-calculator

Calculate auto loan amount, monthly payment, tax, and total interest.

2cr · v2026-04-22

Business Loan Calculatorbusiness-loan-calculator

Estimate business loan payments, fees, payoff time, and interest.

2cr · v2026-04-22

Car Loan Payoff Calculatorcar-loan-payoff-calculator

Compare standard and accelerated payoff for a car loan.

2cr · v2026-04-22

Down Payment Calculatordown-payment-calculator

Estimate mortgage down payment, loan amount, monthly payment, PMI, and comparison scenarios.

2cr · v2026-04-22

EMI Calculatoremi-calculator

Calculate equated monthly installment and total interest for a loan.

2cr · v2026-04-22

Loan Payoff Calculatorloan-payoff-calculator

Calculate loan payoff months and savings from extra monthly payments.

2cr · v2026-04-22

Mortgage Calculatormortgage-calculator

Monthly payment, total interest, LTV, and optional amortization schedule.

5cr · v2026-04-22

Personal Loan Calculatorpersonal-loan-calculator

Calculate personal loan payment, payoff time, interest, and extra-payment savings.

2cr · v2026-04-22

Marketing

ROAS Calculatorroas-calculator

Calculate return on ad spend, profit, ROI, or target revenue.

2cr · v2026-04-22

Profit

Break-Even Calculatorbreak-even-calculator

Calculate break-even units, revenue, contribution margin, and target-profit units.

1cr · v2026-04-22

EBIT Calculatorebit-calculator

Calculate EBIT and EBIT margin from revenue, expenses, and non-operating income.

2cr · v2026-04-22

EBITDA Calculatorebitda-calculator

Calculate EBITDA using net income or operating income inputs.

2cr · v2026-04-22

Profitability

Cash Flow Margin Calculatorcash-flow-margin-calculator

Calculate operating cash flow margin as a percentage of net sales.

2cr · v2026-04-22

Earnings per Share Calculatorearnings-per-share-calculator

Calculate basic, diluted, or weighted earnings per share.

2cr · v2026-04-22

EBIT Margin Calculatorebit-margin-calculator

Calculate EBIT margin and EBIT-to-revenue ratio.

2cr · v2026-04-22

EBITDA Margin Calculatorebitda-margin-calculator

Calculate EBITDA margin from direct EBITDA or component inputs.

2cr · v2026-04-22

Gross Profit Margin Calculatorgross-profit-margin-calculator

Calculate gross profit, gross margin, markup, and cost ratio.

2cr · v2026-04-22

Net Profit Margin Calculatornet-profit-margin-calculator

Calculate net profit margin and profit per revenue dollar.

2cr · v2026-04-22

Operating Margin Calculatoroperating-margin-calculator

Calculate operating margin from operating income or detailed operating components.

2cr · v2026-04-22

Profit Calculatorprofit-calculator

Solve profit, margin, markup, revenue, or cost from the known values.

2cr · v2026-04-22

Profit to Sales Ratio Calculatorprofit-to-sales-ratio-calculator

Calculate profit-to-sales ratio and compare it with an industry benchmark.

2cr · v2026-04-22

Return on Assets Ratio Calculatorreturn-on-assets-ratio-calculator

Calculate ROA with optional DuPont margin and asset-turnover breakdown.

2cr · v2026-04-22

Return On Equity Calculatorreturn-on-equity-calculator

Calculate ROE with optional 3- or 5-component DuPont analysis.

2cr · v2026-04-22

Return On Sales Calculatorreturn-on-sales-calculator

Calculate return on sales, operating cost ratio, and ROS decimal.

2cr · v2026-04-22

Real Estate

Capitalization Rate Calculatorcapitalization-rate-calculator

Solve cap rate, property value, or required NOI for real estate income analysis.

2cr · v2026-04-22

Gross Rent Multiplier Calculatorgross-rent-multiplier-calculator

Calculate gross rent multiplier and rental yield for a property.

2cr · v2026-04-22

Home Equity Calculatorhome-equity-calculator

Calculate home equity, LTV, CLTV, and optional five-year equity projection.

2cr · v2026-04-22

Moving Cost Estimatormoving-cost-estimator

Estimate moving costs from home size, distance, service level, and access factors.

2cr · v2026-04-22

Real Estate Calculators

BRRRR Method Calculatorbrrrr-method-calculator

Analyze a BRRRR real estate deal, including all-in cost, refinance proceeds, capital recycled, equity, and cash flow.

1cr · v2026-04-22

Cash-on-Cash Return Calculatorcash-on-cash-return-calculator

Estimate rental property cash-on-cash return, cap rate, NOI, cash flow, and DSCR.

1cr · v2026-04-22

House Flipping Profit Calculatorhouse-flipping-profit-calculator

Estimate house flip net profit, ROI, financing effects, and the 70 percent rule threshold.

1cr · v2026-04-22

Housing Appreciation Calculatorhousing-appreciation-calculator

Calculate total home value change, annualized appreciation, and a future value projection.

1cr · v2026-04-22

Retail

Markup Calculatormarkup-calculator

Calculate markup percentage, selling price, cost, profit, and margin.

1cr · v2026-04-22

Return

Dividend Payout Ratio Calculatordividend-payout-ratio-calculator

Calculate dividend payout ratio and retention ratio from total or per-share inputs.

2cr · v2026-04-22

Dividend Yield Calculatordividend-yield-calculator

Calculate dividend yield, per-payment dividend, and optional annual income.

2cr · v2026-04-22

ROI Calculatorroi-calculator

Calculate ROI, annualized ROI, CAGR, and investment term from fixed dates.

2cr · v2026-04-22

Salary

Hourly to Salary Calculatorhourly-to-salary-calculator

Convert an hourly wage to weekly, monthly, and annual salary.

2cr · v2026-04-22

Hourly Wage Calculatorhourly-wage-calculator

Convert annual salary to equivalent hourly wage.

2cr · v2026-04-22

Salary Conversion Calculatorsalary-conversion-calculator

Convert wage amounts across hourly, daily, weekly, monthly, and annual pay periods.

2cr · v2026-04-22

Weekly Wage Calculatorweekly-wage-calculator

Convert annual salary to weekly wage.

2cr · v2026-04-22

Sales

Commission Calculatorcommission-calculator

Calculate flat, tiered, or bonus-based sales commission.

2cr · v2026-04-22

Savings

Compound Savings Calculatorcompound-savings-calculator

Project savings growth with compound interest and regular contributions.

1cr · v2026-04-22

TVM

Future Value Calculatorfuture-value-calculator

Calculate future value from a lump sum plus optional recurring contributions.

2cr · v2026-04-22

Future Value Factor Calculatorfuture-value-factor-calculator

Calculate the future value factor for a rate and number of periods.

2cr · v2026-04-22

Future Value of Annuity Calculatorfuture-value-of-annuity-calculator

Calculate future value for ordinary annuities and annuities due.

2cr · v2026-04-22

Future Value of Annuity Due Calculatorfuture-value-of-annuity-due-calculator

Calculate future value of an annuity due and compare it with an ordinary annuity.

2cr · v2026-04-22

Future Value of Growing Annuity Calculatorfuture-value-of-growing-annuity-calculator

Calculate future value for payments that grow each period.

2cr · v2026-04-22

Future Value of Lump Sum Calculatorfuture-value-of-lump-sum-calculator

Calculate compound future value for a single lump-sum investment.

2cr · v2026-04-22

FVIFA Calculatorfvifa-calculator

Calculate the future value interest factor of an annuity.

2cr · v2026-04-22

Present Value of Annuity Calculatorpresent-value-of-annuity-calculator

Calculate present value for ordinary annuities and annuities due.

2cr · v2026-04-22

Present Value of Lump Sum Calculatorpresent-value-of-lump-sum-calculator

Discount a future lump sum back to present value.

2cr · v2026-04-22

Tax

VAT Calculatorvat-calculator

Add, remove, or extract VAT from an amount using a preset or custom rate.

2cr · v2026-04-22

Valuation

Book Value per Share Calculatorbook-value-per-share-calculator

Calculate book value per share, common equity, and optional price-to-book ratio.

2cr · v2026-04-22

P/E Ratio Calculatorp-e-ratio-calculator

Calculate price-to-earnings ratio, earnings yield, and sector benchmark premium.

2cr · v2026-04-22

Price to Book Ratio Calculatorprice-to-book-ratio-calculator

Calculate price-to-book ratio and compare it to industry benchmark ranges.

2cr · v2026-04-22