Spreadsheet calculators and planning tools

Free calculators and planning helpers for founders and finance teams who live in Google Sheets and Excel. When you need full statements, jump to our templates.

Explore spreadsheet templates for full workbooks, or open the Lexicon for clear definitions of the terms behind the math.

Built for real spreadsheet work

Search or filter to match the job in front of you—percentages and growth, stats and loan schedules, time and hours, retirement checks, currency reference rates, and more. Most tools include copy-ready Google Sheets and Excel snippets; finance results are illustrations, not advice.

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Unit economicsLive
Payback period calculator
Break-even time from initial investment and equal or unequal periodic cash inflows; optional discounted payback with a nominal annual rate. Annual or monthly periods—Sheets/Excel patterns. Capital budgeting illustration, not loan payoff.
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Unit economicsLive
CAGR calculator
Beginning value, ending value, and time to compound annual growth rate (CAGR)—plus total return % and multiple. Dates or years + months; Sheets/Excel POWER patterns—illustration only.
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Unit economicsLive
Year-over-year (YoY) growth calculator
Prior-year value vs current value → YoY growth % and absolute change. Same-metric year-over-year—not CAGR over multiple years (use the CAGR calculator). Sheets/Excel patterns—illustration only.
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Unit economicsLive
Margin and markup
Gross margin % and markup % from one unit cost and one selling price; target margin, target markup, or cost+price audit. Sheets/Excel on-page—not trading “margin” (leverage).
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Spreadsheet mathLive
TVM calculator
Five-variable time value of money: solve for PV, FV, level payment, nominal annual rate, or number of periods—with payments per year and end vs beginning timing. PV/FV/PMT/RATE/NPER style; illustration only.
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PlanningLive
401(k) calculator
Salary-based deferral %, employer match (rate on deferrals capped by % of salary), optional salary growth, return and compounding—project a balance or back-solve deferral % to a goal. Sheets/Excel FV patterns; not IRS or plan advice.
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PlanningLive
Roth IRA calculator
Current Roth balance, ages, monthly savings, return, and compounding—project a balance at retirement or back-solve a monthly to a goal. FV/PMT for Sheets/Excel. Not MAGI, contribution limits, or tax advice.
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PlanningLive
Capital gains tax calculator (U.S.)
U.S. federal short- vs long-term gain: basis, proceeds, filing status, stacking on other income; Sheets/Excel gain line. Not state, NIIT, or tax prep.
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PlanningLive
Inflation calculator
Assumed annual inflation % and horizon—forward or backward equivalent, cumulative inflation, and Sheets/Excel POWER patterns. Illustration, not CPI or tax advice.
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PlanningLive
Credit card payoff calculator
One balance and APR: fixed monthly payment or payoff in N months—months to zero, total interest, PMT/NPER-style patterns for Sheets and Excel. Illustration only, not a credit offer.
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PlanningLive
SIP calculator
Starting balance, monthly or quarterly SIP, expected return, and horizon—ending balance, contributed total, and gain. FV-style Sheets/Excel. Illustration only, not advice.
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PlanningLive
SWP calculator
Corpus, monthly or quarterly withdrawals, expected return, and horizon—ending balance, total withdrawn, and net change. Column-style Sheets/Excel. Illustration only, not advice.
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PlanningLive
Mutual fund calculator
Starting balance, optional monthly savings, horizon, expected return, and annual expense ratio—ending balance vs. a zero-fee illustration, FV-style patterns for Sheets and Excel. Illustration only, not a fund quote.
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