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, descriptive stats, 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.

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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Unit economicsLive
Commission calculator
Sales commission as percent of deal amount; optional flat add-on; implied rate or sale; base + variable illustration. Sheets/Excel formulas—not payroll, tiers, or real-estate co-broker splits.
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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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Spreadsheet mathLive
Present value calculator
Discount a future lump sum and optional level payments to today—payments per year, end vs beginning, PV-style Sheets/Excel; illustration only.
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Spreadsheet mathLive
Prime factorization calculator
Whole numbers from 2 to 999,999,999,999—prime factors, expanded product, canonical p^e copy, PRODUCT/POWER patterns for Sheets and Excel; educational, not cryptography.
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Spreadsheet mathLive
Modulo calculator
Integer dividend and divisor → remainder (a mod n), floor quotient, and decimal a÷n—matches Google Sheets and Excel MOD; not modular exponentiation or expression parsers.
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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
Bonus tax calculator (U.S. withholding)
U.S. bonus: federal 22%/37% supplemental flat illustration, Medicare, SS wage-base cap with YTD; net take-home. Not state, aggregate method, or payroll advice.
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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
Credit card interest calculator
Average daily balance, nominal APR, and days in the billing cycle—daily periodic rate (APR/365) and estimated finance charge for one cycle. Sheets/Excel one-liner. Illustration only, not a credit offer.
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PlanningLive
APR calculator
Installment loan: principal, nominal rate, years and months, upfront vs financed fees—monthly payment, total interest, headline APR from cash flows, RATE/IRR-style Sheets/Excel; illustration only.
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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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Unit economicsLive
Stock calculator
Shares, buy and sell prices per share, optional buy and sell commissions—net profit or loss and return on invested capital. Sheets and Excel cell patterns. Illustration only, not live quotes or tax advice.
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Unit economicsLive
Options profit calculator
Long call or long put at expiration: spot, strike, premium per share, contracts—intrinsic, total premium, net P&L, breakeven, and in/at/out of the money. Sheets/Excel MAX patterns; not live quotes, not Greeks, not multi-leg.
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Unit economicsLive
Dividend yield calculator
Cash dividend per share, share price, optional per-payment path with frequency—dividend yield % and copy-ready =dividend/price patterns. Not live tickers, not tax or DRIP.
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