DataHub Finance Tools
DataHub Finance Tools
Financial calculators for growth, operating decisions, lending, savings, and long-term planning. Start with a business or personal finance scenario, then review the formula, assumptions, and limits before acting.
First tools:
AdSense Revenue CalculatorROAS CalculatorWebsite Valuation CalculatorAI API Cost Calculator
Formula-based estimates only. Rules for tax, lending, insurance, retirement, and contracts vary by country and provider; check official guidance and your agreement before making a decision.
Website Revenue
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AdSense Revenue Calculator
Estimate monthly and annual AdSense revenue from pageviews and page RPM.
Revenue = Pageviews / 1,000 × RPM
RPM Calculator
Calculate revenue per thousand pageviews for a website, newsletter, or content project.
RPM = Revenue / Pageviews × 1,000
Website Valuation Calculator
Estimate a content site or small web business valuation from monthly profit and valuation multiple.
Valuation = Monthly profit × Multiple
Subscription Revenue Calculator
Estimate subscription MRR, ARR, and churned revenue from subscribers, price, and churn.
MRR = Subscribers × Subscription price
Affiliate Commission Calculator
Estimate affiliate earnings from sales, average order value, and commission rate.
Commission = Sales × Average order value × Commission rate
Traffic Value Calculator
Estimate traffic value from visits, conversion rate, and value per conversion.
Traffic value = Visits × Conversion rate × Value per conversion
SEO ROI Calculator
Estimate SEO return from cost, organic visits, conversion rate, and conversion value.
SEO ROI = (Organic value - SEO cost) / SEO cost × 100%
Shopify Profit Calculator
Estimate Shopify store profit after product cost, ads, and platform fees.
Profit = Revenue - COGS - ads - fees
Dropshipping Profit Calculator
Estimate dropshipping unit economics with break-even ad cost and price or acquisition-cost stress cases.
Profit per order = price - product cost - shipping - ad cost
Amazon FBA Calculator
Estimate Amazon FBA profit per unit after product cost, inbound shipping, referral fee, and FBA fee.
Profit = price - product cost - shipping - referral fee - FBA fee
Email Marketing ROI Calculator
Calculate campaign ROI, revenue-to-cost multiple, break-even revenue, and conservative attribution cases.
ROI = (revenue - cost) / cost × 100%
Advertising Metrics
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CPM Calculator
Calculate advertising cost per thousand impressions from spend and impressions.
CPM = Ad spend / Impressions × 1,000
CPC Calculator
Calculate average cost per click from total ad spend and clicks.
CPC = Ad spend / Clicks
CTR Calculator
Calculate click-through rate from ad impressions and clicks.
CTR = Clicks / Impressions × 100%
ROAS Calculator
Measure return on ad spend from campaign revenue and ad cost.
ROAS = Revenue / Ad spend
Break-Even ROAS Calculator
Find the ROAS needed to break even from gross margin assumptions.
Break-even ROAS = 1 / Gross margin
CPA Calculator
Calculate cost per acquisition and stress-test how conversion volume or spend changes CPA.
CPA = Ad spend / conversions
SaaS Metrics
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SaaS MRR Calculator
Calculate monthly recurring revenue from active customers and average revenue per account.
MRR = Customers × ARPU
Churn Rate Calculator
Calculate customer churn rate from lost customers and starting customers.
Churn rate = Lost customers / Starting customers × 100%
LTV Calculator
Estimate customer lifetime value from ARPU, gross margin, and monthly churn rate.
LTV = ARPU × Gross margin / Monthly churn rate
CAC Calculator
Calculate customer acquisition cost from sales and marketing spend and new customers acquired.
CAC = Sales and marketing spend / New customers
LTV/CAC Ratio Calculator
Compare customer lifetime value with customer acquisition cost.
LTV/CAC = LTV / CAC
Payback Period Calculator
Estimate how many months it takes to earn back customer acquisition cost.
Payback period = CAC / Monthly gross profit per customer
Small Business
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Profit Margin Calculator
Calculate profit margin from revenue and cost for a product, service, or campaign.
Profit margin = (Revenue - Cost) / Revenue × 100%
Markup Calculator
Calculate markup percentage from product cost and selling price.
Markup = (Selling price - Cost) / Cost × 100%
Break-Even Calculator
Estimate how many units you need to sell to cover fixed and variable costs.
Break-even units = Fixed costs / (Unit price - Unit variable cost)
Runway Calculator
Estimate how many months a startup or project can operate from cash balance and monthly burn.
Runway = Cash balance / Monthly burn
Burn Rate Calculator
Calculate average monthly burn from starting cash, ending cash, and elapsed months.
Burn rate = (Starting cash - Ending cash) / Months
Business Loan Calculator
Estimate business loan payment, total interest, and upfront cost.
Payment = amortized loan payment; total cost includes fees
Startup Cost Calculator
Estimate launch funding, working-capital share, and contingency cash for a small business.
Startup cost = setup costs + inventory + launch marketing + working capital
Cash Flow Calculator
Calculate net cash flow, ending cash, outflow coverage, and a simple stress case.
Ending cash = Starting cash + inflow - outflow
Invoice Factoring Calculator
Estimate advance cash, fees, reserve held back, and effective cost of invoice factoring.
Advance = invoice × advance rate; fee = invoice × fee rate
Payroll Calculator
Estimate employer payroll cost from gross payroll, employer statutory costs, and benefits using a user-entered local rate.
Employer cost = gross payroll + employer statutory costs + benefits
Contractor vs Employee Calculator
Compare contractor and employee cost with taxes, benefits, admin overhead, and classification caveats.
Employee cost = wage + employer taxes + benefits
Pricing Calculator
Calculate target price, markup, and whether margin survives discounts or cost increases.
Price = Cost / (1 - target margin)
AI & Hosting Costs
1Loans
8
Loan Calculator
Estimate monthly payment, total payment, and total interest for a fixed-rate loan.
Payment = P × r / (1 - (1 + r)^-n)
Loan Comparison Calculator
Compare two fixed-rate loan options by payment and total interest.
Compare payment and interest for option A vs option B
Extra Payment Calculator
Estimate interest saved and time saved by paying extra every month.
Recalculate amortization with extra monthly principal
APR Calculator
Estimate effective APR by including upfront fees in loan cost.
Approx APR solves payment against net proceeds
Interest Only Loan Calculator
Calculate the monthly payment during an interest-only loan period.
Monthly payment = Loan amount × annual rate / 12
Balloon Loan Calculator
Estimate monthly payment for a loan with a final balloon payment.
Payment amortizes loan to a final balloon balance
Amortization Calculator
Summarize a fixed-rate amortization schedule and show how early payments split between interest and principal.
Monthly payment splits into interest and principal over time
Loan Affordability Calculator
Estimate loan principal supported by a payment assumption while flagging total cost and approval limits.
Affordable loan = present value of payment stream
Mortgage & Housing
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Mortgage Calculator
Estimate fixed-rate mortgage payments with either equal-payment amortization or equal-principal declining payments.
Equal payment = P × r / (1 - (1 + r)^-n); equal principal first payment = P / n + P × r
Mortgage with Taxes and PMI Calculator
Estimate mortgage payment including principal, interest, property tax, insurance, and PMI.
Total monthly = P&I + tax / 12 + insurance / 12 + PMI
Rent vs Buy Calculator
Compare renting and buying by holding period, mortgage cash flow, carrying costs, sale equity, and selling costs.
Buy net cost = down payment + mortgage paid + carrying costs - net sale equity; compare with rent paid
Down Payment Calculator
Calculate down payment amount and remaining mortgage balance.
Down payment = Home price × down payment percent
Closing Cost Calculator
Estimate home closing costs from home price and cost percentage.
Closing cost = Home price × cost percent
PMI Calculator
Estimate monthly private mortgage insurance from loan balance and annual PMI rate.
Monthly PMI = Loan balance × annual PMI rate / 12
Property Tax Calculator
Estimate annual and monthly property tax from assessed value and tax rate.
Property tax = Home value × tax rate
Mortgage Affordability Calculator
Estimate affordable home price from income, debt payments, DTI target, taxes, insurance, PMI, down payment, and mortgage rate.
P&I budget = income × target housing DTI - debts - non-loan housing costs; affordable price = supported loan + down payment
Refinance Calculator
Estimate refinance break-even, monthly savings, planned-hold savings, and total interest difference after costs.
Net planned-hold savings = monthly savings × planned holding months - closing costs
Mortgage Payoff Calculator
Estimate payoff time and interest for a mortgage balance with a fixed monthly payment.
Simulate monthly interest and principal reduction
15-Year vs 30-Year Mortgage Calculator
Compare monthly payment and total interest for 15-year and 30-year mortgages.
Compare 15-year payment vs 30-year payment
Mortgage Points Calculator
Estimate point cost, payment savings, and break-even time from buying mortgage points.
Point cost = Loan amount × points / 100
Home Equity Loan Calculator
Estimate available home equity borrowing based on value, mortgage balance, and max LTV.
Available equity = Home value × max LTV - mortgage balance
Savings & Investment
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Compound Interest Calculator
Estimate future value from principal, monthly contributions, return, and time.
Future value = principal growth + contribution growth
Savings Goal Calculator
Calculate how much to save monthly to reach a future goal.
Monthly saving solves target future value
ROI Calculator
Calculate return on investment from initial investment and final value.
ROI = (Final value - Investment) / Investment × 100%
CAGR Calculator
Calculate compound annual growth rate from beginning value, ending value, and years.
CAGR = (Final / Initial)^(1 / years) - 1
Simple Interest Calculator
Calculate simple interest for non-compounding notes, short-term loans, and comparison against compound growth.
Simple interest = Principal × rate × time
Future Value Calculator
Estimate future value and test how sensitive the result is to return and time assumptions.
Future value = Present value × (1 + rate)^years
APY Calculator
Convert nominal interest rate and compounding frequency into APY.
APY = (1 + nominal / n)^n - 1
Interest Rate Calculator
Calculate the annual rate needed to grow present value into future value.
Rate = (Future / Present)^(1 / years) - 1
Present Value Calculator
Discount a future amount back to today and compare how discount-rate assumptions change the answer.
Present value = Future value / (1 + rate)^years
Inflation Calculator
Estimate future cost, purchasing-power loss, and sensitivity to higher or lower inflation.
Future cost = Current cost × (1 + inflation)^years
Dollar Cost Averaging Calculator
Estimate recurring-investment value and compare contribution and return sensitivity.
Future value of monthly contributions
Stock Average Calculator
Calculate new average share cost while showing new capital and concentration risk.
Average cost = Total cost / Total shares
Portfolio Rebalancing Calculator
Estimate trade amount, allocation drift, and portfolio share affected by rebalancing.
Trade amount = Current stock value - Target stock value
Dividend Calculator
Estimate current and future dividend income while noting payout, tax, currency, and concentration risk.
Dividend income = shares × dividend per share
Credit & Debt
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Credit Card Payoff Calculator
Estimate how long it takes to pay off a credit card balance and total interest paid.
Simulate monthly interest and payments until balance reaches zero
Debt-to-Income Ratio Calculator
Calculate DTI from monthly debt payments and gross monthly income.
DTI = Monthly debt payments / Gross monthly income × 100%
Credit Utilization Calculator
Calculate credit utilization from card balance and credit limit.
Utilization = Balance / Credit limit × 100%
Cash Back Calculator
Estimate monthly and annual cash back from spend and reward rate.
Cash back = Spend × reward rate
Balance Transfer Calculator
Estimate balance transfer fee and interest avoided during a 0% promotional period.
Savings = avoided interest - transfer fee
Debt Consolidation Calculator
Compare credit-card interest drag with a consolidation loan, including payment, total interest, and behavior risks.
Compare current debt interest vs consolidation loan amortization
Minimum Payment Calculator
Estimate first minimum payment, first-month interest, and how much of the payment actually reduces principal.
Minimum payment = balance × minimum payment percent
Late Fee Calculator
Estimate late payment cost from fee and interest accrued during late days.
Late cost = late fee + missed payment × APR / 365 × days late
Travel Points Calculator
Estimate travel rewards value from points and cents-per-point assumption.
Value = points × cents per point / 100
Auto Finance
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Auto Loan Calculator
Estimate monthly car loan payment and total interest.
Auto payment = financed amount × monthly factor
Car Affordability Calculator
Estimate affordable car price while reserving budget for insurance, energy, maintenance, taxes, and depreciation.
Affordable price = loan principal supported by payment + down payment
Fuel Cost Calculator
Estimate monthly fuel cost from miles, MPG, and fuel price.
Fuel cost = Miles / MPG × fuel price
EV Charging Cost Calculator
Estimate monthly EV charging cost from miles, energy use, and electricity rate.
Charging cost = Miles × kWh per mile × electricity rate
Lease vs Buy Calculator
Compare total lease cost with estimated buy cost after resale.
Compare lease payments vs loan payments minus resale value
Gas vs Electric Car Calculator
Compare monthly energy cost for gas and electric vehicles.
Gas cost vs EV charging cost
Car Depreciation Calculator
Estimate car value after annual depreciation.
Future car value = price × (1 - depreciation)^years
Total Cost of Ownership Calculator
Estimate vehicle total cost by separating depreciation, operating costs, resale value, and monthly equivalent cost.
TCO = price + operating costs - resale value
Negative Equity Calculator
Calculate whether a car loan is underwater and flag trade-in or payoff risk.
Negative equity = loan balance - car value
Auto Refinance Calculator
Estimate auto refinance fee payback, monthly savings, and short-term net savings.
Break-even = fees / monthly savings
Retirement & FIRE
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FIRE Calculator
Estimate years to financial independence using the 4% rule target.
FIRE target = Annual expenses × 25
Retirement Withdrawal Calculator
Estimate annual and monthly retirement income from savings and withdrawal rate.
Annual withdrawal = Savings × withdrawal rate
Retirement Calculator
Estimate retirement cash-flow readiness from savings growth, 4% withdrawal income, target spending, and expected pension or other monthly income.
Monthly gap = projected savings × 4% / 12 + expected pension income - target monthly spending
401(k) Calculator
Estimate future 401(k) value from employee contributions, employer match, and return for U.S.-style employer retirement plans.
Future value = current balance + employee and employer contributions
Annuity Calculator
Estimate fixed monthly income from a principal balance over a payout period.
Monthly payout = Principal × r / (1 - (1 + r)^-n)
Coast FIRE Calculator
Estimate whether current savings can grow to a FIRE target without further contributions.
Coast value = Current savings × (1 + return)^years
Retirement Income Calculator
Estimate monthly retirement income from withdrawals and other income.
Monthly income = savings × withdrawal rate / 12 + other income
Life Expectancy Retirement Calculator
Estimate whether retirement savings cover expenses for a chosen number of years.
Coverage gap = savings - annual expenses × years
IRA Calculator
Estimate future IRA balance for U.S.-style individual retirement account planning.
Future IRA = current balance growth + annual contribution growth
Roth IRA Calculator
Estimate Roth IRA future value for U.S.-style after-tax retirement account planning.
Future Roth IRA = balance growth + contribution growth
Insurance Needs
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Life Insurance Calculator
Estimate life insurance need from family support years, debt, and current savings.
Coverage need = expenses × years + debt - savings
Insurance Coverage Gap Calculator
Compare needed coverage with existing policies and show whether a protection gap remains.
Coverage gap = Coverage needed - Existing coverage
Deductible vs Premium Calculator
Compare two insurance plans by expected cost and high-claim exposure, not just premium.
Expected cost = premium + min(claims, deductible)
HSA Calculator
Estimate future HSA balance from current balance, annual contributions, and return.
Future HSA = current balance growth + contribution growth
Disability Insurance Calculator
Estimate monthly disability income coverage need.
Coverage need = monthly income × replacement rate
Home Insurance Calculator
Estimate annual home insurance premium from home value and rate assumption.
Premium = home value × insurance rate
Renters Insurance Calculator
Estimate renters insurance premium from personal property value and rate.
Premium = property value × insurance rate
Pet Insurance Calculator
Compare annual pet insurance premium with expected reimbursement and self-pay risk.
Net benefit = reimbursed vet cost - annual premium
Long-Term Care Insurance Calculator
Estimate long-term care funding gap while flagging public-program and family-care assumptions.
Care gap = monthly care cost × years × 12 - existing coverage
Term vs Whole Life Calculator
Compare premium cost difference between term and whole life insurance assumptions.
Cost difference = (whole life premium - term premium) × months
Health Insurance Premium Calculator
Estimate annual out-of-pocket premium and deductible exposure for a health insurance plan.
Annual cost exposure = (premium - employer contribution) × 12 + deductible
Salary & Tax Estimates
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Sales Tax Calculator
Calculate sales tax and total price from a user-entered tax rate.
Sales tax = pre-tax amount × tax rate
Salary Calculator
Convert hourly pay to weekly, monthly, and annual salary.
Annual salary = hourly rate × hours per week × weeks per year
Hourly to Salary Calculator
Convert hourly wage to annual salary using a weekly hour assumption.
Annual salary = hourly rate × weekly hours × 52
Paycheck Calculator
Estimate take-home pay using the selected country basis. China mode uses monthly individual-income-tax brackets and the basic allowance; other markets use the entered withholding rate.
China: taxable income = gross pay - deductions - basic allowance; other markets: take-home = gross pay - withholding - deductions
Capital Gains Tax Calculator
Estimate capital-gains tax from proceeds, cost basis, and a user-entered jurisdiction-specific tax rate.
Tax = (sale price - cost basis) × user-entered tax rate
Crypto Tax Calculator
Estimate crypto tax from aggregate proceeds, cost basis, and a user-entered rate while flagging country-specific treatment.
Tax = crypto gain × user-entered tax rate
Standard vs Itemized Deduction Calculator
Compare standard deduction with itemized deductions.
Use the larger deduction amount
Tax Bracket Calculator
Estimate tax from taxable income. China mode uses the built-in annual comprehensive-income bracket estimate; other markets use the entered marginal or blended rate.
China: annual progressive estimate; other markets: estimated tax = taxable income × entered rate
Self-Employment Tax Calculator
Estimate self-employment tax from income, expenses, and country-specific assumptions. China mode applies a rough annual allowance branch; other markets use your entered rate.
Net income = income - expenses; tax uses China branch or user-entered effective rate
Bug feedback
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