Financial calculators
NIFM Academy's financial calculators work out trading, investing, tax and accounting figures from the numbers you enter, in 24 currencies. Each one shows its formula with your numbers, a chart and a table, and states the rules and dates it uses. They run in your browser, store nothing about you, and never convert between currencies.
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Stock trading
Position size calculator
How many shares, lots or coins keep a trade's loss at the amount you set
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Stock profit calculator
Profit or loss on a share trade after commissions, in money and percent
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Stock average calculator
Your average price per share after buying at several prices
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Risk reward calculator
The reward-to-risk ratio of a trade and the win rate it needs to break even
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Stop loss calculator
Stop and target prices from a percentage, an amount or a price distance
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Margin trading calculator
Buying power, borrowed amount and the price that triggers a margin call
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Kelly criterion calculator
The Kelly fraction of capital for a given win rate and payoff ratio
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Short selling calculator
Profit or loss on a short sale after borrow fees and commissions
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P/E ratio calculator
Price-to-earnings ratio and earnings yield from price and earnings per share
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DCF calculator
Intrinsic value per share from projected cash flows and a discount rate
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Trading expectancy calculator
The average result per trade from win rate, average win and average loss
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Drawdown recovery calculator
The gain needed to recover from a loss, and how long it takes at a set rate
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Trading compounding calculator
What a steady return per period does to an account over many periods
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Forex
Lot size calculator
Lots to trade on forex, gold and indices for the risk and stop you set
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Pip value calculator
What one pip is worth in your account currency for any pair and lot size
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Forex margin calculator
The margin a forex position ties up at a given leverage
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Leverage calculator
Effective leverage of your open positions against account equity
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Forex profit calculator
Profit or loss on a closed forex trade in your account currency
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Currency conversion cost calculator
What a bank or card exchange-rate markup and fee cost you on a transfer
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Crypto
Crypto profit calculator
Profit or loss on a crypto trade, spot or leveraged, after fees
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Crypto DCA calculator
Average cost and value of regular crypto purchases at the prices you enter
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Staking rewards calculator
Staking rewards over time, and the APY that a quoted APR compounds to
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Impermanent loss calculator
How a price move changes a liquidity-pool position against simply holding
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Crypto liquidation price calculator
The price at which a leveraged crypto position is liquidated
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Options
Options profit calculator
Profit and loss at expiry for single options and common spreads
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Black-Scholes calculator
Theoretical call and put value with delta, gamma, theta, vega and rho
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Implied volatility calculator
The volatility that an option's market price implies
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Covered call calculator
Income, breakeven and maximum return from writing a covered call
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Technical levels
Fibonacci calculator
Fibonacci retracement and extension levels from a high and a low
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Pivot point calculator
Classic, Woodie, Camarilla and Fibonacci pivot levels from high, low and close
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Moving average calculator
Simple and exponential moving averages of the prices you enter
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Investing and compounding
Compound interest calculator
What a lump sum and regular deposits grow to at a compounding frequency you choose
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Investment calculator
What regular investing adds up to, or the monthly amount a target needs
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ROI calculator
Return on investment as a total and an annualized percentage
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CAGR calculator
The steady yearly growth rate between a start value and an end value
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Dividend calculator
Dividend yield and the yearly income a holding pays
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DRIP calculator
What reinvesting every dividend does to share count and income over time
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Future value calculator
The future value of a sum or a stream of payments at a stated rate
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Present value calculator
What a future sum or stream of payments is worth today at a discount rate
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Dollar-cost averaging calculator
Average cost per unit when the same amount buys in at different prices
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Fund fee calculator
How much an expense ratio takes from a portfolio over the years
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Rule of 72 calculator
Roughly how many years money takes to double at a given rate
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Portfolio rebalancing calculator
The buys and sells that bring a portfolio back to its target weights
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Business and accountancy
NPV calculator
Net present value of a project's cash flows at a discount rate
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IRR calculator
The internal rate of return of a set of cash flows
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WACC calculator
Weighted average cost of capital from equity, debt and tax
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Payback period calculator
Simple and discounted payback period of an investment
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Break-even calculator
Break-even units and sales, contribution margin and margin of safety
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Depreciation calculator
Straight-line, reducing-balance, sum-of-years and units depreciation schedules
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Profit margin calculator
Gross, operating and net profit margins from revenue and costs
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Markup calculator
Markup and margin from cost and price, and the price a markup gives
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EOQ calculator
Economic order quantity, order frequency and total inventory cost
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Variance analysis calculator
Material, labour, overhead and sales variances, favorable or adverse
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Financial ratio calculator
Liquidity, profitability, gearing and efficiency ratios from accounts figures
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Working capital calculator
Working capital and the cash conversion cycle in days
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EBITDA calculator
EBITDA and EBITDA margin from operating profit or net income
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CAPM calculator
Cost of equity from the risk-free rate, beta and market premium
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Bond yield calculator
Current yield and yield to maturity of a bond
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Annuity calculator
Present and future value of an annuity, ordinary or due
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COGS calculator
Cost of goods sold from opening inventory, purchases and closing inventory
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Retirement and FIRE
Retirement calculator
Whether your savings path reaches the retirement income you want
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FIRE calculator
Your financial independence number and the years it takes to reach it
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Safe withdrawal rate calculator
How long a portfolio lasts at a withdrawal rate, including the 4% rule
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Retirement drawdown calculator
How long savings last when you draw a set income from them
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Retirement accounts and end of service
401(k) calculator
United States
What 401(k) contributions and an employer match grow to by retirement
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Roth IRA calculator
United States
What Roth IRA contributions grow to, tax free, by retirement
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RMD calculator
United States
Required minimum distribution from a traditional IRA or 401(k)
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Stocks and shares ISA calculator
United Kingdom
What ISA contributions grow to within the yearly allowance
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Lifetime ISA calculator
United Kingdom
Lifetime ISA savings with the government bonus, and the withdrawal charge
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UK pension tax relief calculator
United Kingdom
Tax relief on pension and SIPP contributions at your tax rate
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RRSP calculator
Canada
RRSP growth and the tax refund your contributions create
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TFSA calculator
Canada
TFSA growth within your contribution room
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End of service gratuity calculator
UAE, Saudi Arabia
End-of-service gratuity under UAE and Saudi labour rules
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Tax
Capital gains tax calculator
United States, United Kingdom, Canada, Australia, Singapore, UAE
Tax on a gain from shares or funds under the US, UK, Canadian or Australian rules
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VAT calculator
Add or remove VAT at the rates of the country you choose
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GST calculator
Australia, New Zealand, Singapore, Canada
Add or remove GST for Australia, New Zealand, Singapore and Canada
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Sales tax calculator
United States
Price with US state sales tax added, or the tax inside a total
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Dividend tax calculator
United Kingdom
Tax on dividend income under the rules of the country you choose
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Mortgages and property
Mortgage calculator
Monthly payment, total interest and an amortization schedule, with country costs
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Amortization calculator
The full repayment schedule of any fixed-rate loan
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Mortgage affordability calculator
How much home your income and deposit can support
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Mortgage overpayment calculator
Interest and years saved by paying extra on a mortgage
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Refinance calculator
Whether refinancing saves money once fees are counted
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Rent vs buy calculator
The cost of renting against buying over the years you choose
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Rental yield calculator
Gross and net rental yield on a property
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LTV calculator
Loan-to-value ratio from the loan amount and the property value
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Loans and debt
Loan calculator
Monthly payment and total interest on any fixed-rate loan
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Personal loan calculator
Payment and true APR on a personal loan once fees are included
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Auto loan calculator
United States
Monthly car payment with trade-in, down payment and sales tax
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Car finance calculator
United Kingdom
PCP and hire purchase payments, including the final balloon
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Credit card payoff calculator
How long a card balance takes to clear and the interest it costs
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Debt payoff calculator
Snowball and avalanche payoff plans for several debts side by side
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Debt-to-income calculator
Your debt-to-income ratio from monthly debts and gross income
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APR calculator
The annual percentage rate of a loan once fees are counted
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Savings and inflation
Savings calculator
What regular savings grow to at an interest rate you enter
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APY calculator
The annual percentage yield that a rate and compounding frequency give
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CD calculator
United States
What a certificate of deposit is worth at maturity
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Emergency fund calculator
How large an emergency fund your monthly costs call for
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Inflation calculator
What money is worth after inflation, forward or back in time
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Real return calculator
Your return after inflation and the purchasing power it keeps
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Salary and pay
Islamic finance
Start from your goal
- Size a trade before you place it. Start with the position size calculator for forex, stocks, crypto and gold, then check the pip value and the risk-reward ratio.
- Grow savings or an investment. The compound interest calculator covers a lump sum plus regular deposits at any compounding frequency; the investment calculator works back from a target.
- Work out tax on a sale of shares. The capital gains tax calculator loads the rules for the US, UK, Canada and Australia, and explains why Singapore and the UAE show no tax on individuals' share gains.
- Study for ACCA papers. The business calculators, such as NPV, IRR, WACC and depreciation, show each step as an exam answer would.
- Trade options or crypto. The Black-Scholes calculator prices options with the Greeks, and the impermanent loss and crypto profit calculators cover digital assets.
- Plan retirement or financial independence. The FIRE calculator and the safe withdrawal rate calculator test how long a portfolio lasts.
How do these calculators work?
Every calculator here is arithmetic on the numbers you type. Nothing is fetched from a market feed, so a price, a rate or an exchange rate the result depends on is always a field you can see and change. Under each result, Show the working prints the formula with your own numbers, so you can check it by hand, in a spreadsheet or on an exam calculator.
The calculations run in your browser. The page stores nothing about you; the only thing it remembers, on your own device, is the currency you last chose. Results are shown in that currency and are never converted using exchange rates, because a rate that is out of date gives a wrong answer that looks right.
Calculators for your country
Most calculators work the same way everywhere, so they serve every region in your own currency. Where the answer depends on a country's law, such as tax on a capital gain, the page has a country selector. Each country's rules are dated, name their official source and carry a next-review date. Use the region buttons above to see what applies to you: the United States, the United Kingdom, Canada, Australia, the UAE and Saudi Arabia.
Who builds these calculators?
NIFM Academy is an online education provider teaching stock, forex and crypto trading and preparation for ACCA exams. The calculators are written and reviewed by the NIFM Academy editorial team, and each page shows the date it was last reviewed and when it is next due. Where a calculator connects to a subject we teach, the page links to that course; the calculators themselves are free and need no sign-up.
Frequently asked questions
Are NIFM Academy's calculators free?
Yes. Every calculator is free to use with no account and no sign-up. Some pages link to NIFM Academy courses on the same subject, which are separate and optional.
Which currencies can I use?
Twenty-four, including the US dollar, euro, British pound, Canadian and Australian dollars, Swiss franc, Japanese yen, Singapore dollar, UAE dirham and Saudi riyal. Symbols, separators and decimal places follow the currency and your browser's settings.
Do the calculators convert between currencies?
No. Choosing a currency changes how amounts are formatted and resizes the untouched example values. A value you typed is never converted, and where a calculation needs an exchange rate, you enter it.
Do these calculators store my data?
No personal data is collected. The calculations run in your browser. The only thing saved, on your own device, is the currency you last chose, so it is ready next time.
Are the tax rules up to date?
Each country's rules show the tax year they apply to, the official source and the date they were checked, plus a next-review date. Every rate the page fills in is also an input you can change.
Can I share a result?
Yes. Every calculator keeps its inputs in the page address, so the Copy link button gives a link that reopens the same result, currency included.
Is a calculator result financial advice?
No. A result is arithmetic on the numbers you enter. It does not tell anyone to buy, sell or hold anything, and an assumed rate of return is an assumption, not a forecast.
Do the calculators work on a phone?
Yes. Every page is built for phone screens first, with the result, chart and table readable without zooming.
Last reviewed 13 November 2026 by the NIFM Academy editorial team.
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About these calculators. These are financial calculators made to make calculations easier and to help you find answers. Every result is arithmetic on the figures you enter. It is not a forecast, and it is not a recommendation to buy, sell or hold any security, currency, fund or product. NIFM Academy is an online education provider.
Amounts are shown in the currency you choose and are never converted between currencies. Any rate, allowance or tax figure the page fills in is dated where it appears, and you can change it.