Most business decisions come down to a handful of calculations done correctly: the margin a price leaves, the tax inside a total, how many sales cover your costs, and what a loan or subscription really costs over time.
The traps are well known. A 50% markup is a 33% margin, removing 20% VAT isn't taking 20% off, and two discounts don't add up. These calculators get them right and show why.
Percentages and pricing
Changes, conversions, margins and discounts.
- Percentage Change CalculatorFind the percentage increase or decrease between two numbers, and the change it would take to get back to where you started.
- Percentage ConverterConvert between a percentage, a decimal, and a fraction, and see what X% of a number actually is.
- Profit Margin vs Markup CalculatorEnter a cost and a selling price to see profit, margin and markup side by side, plus the price you need to hit a target margin.
- Discount Calculator: Price After DiscountFind the sale price after a percentage discount, stack a second discount on top, add sales tax, and see what you really save.
Tax and break-even
Add or remove sales tax, and find the sales volume that covers your costs.
Borrowing and saving
Loan instalments and total interest, and how savings grow.
- Loan EMI CalculatorWork out the monthly instalment (EMI) on a loan, the total interest you'll pay, and how much of the first payment goes to interest.
- Compound Interest and Savings Goal CalculatorSee what your savings grow to with compound interest and monthly deposits, and how much you'd need to save each month to hit a goal.
- Loan Amortization Schedule CalculatorA month-by-month and yearly amortization table for any loan, with extra payments, interest saved and CSV download.
- CAGR Calculator: Compound Annual Growth RateWork out the compound annual growth rate between a starting and ending value, compare it with simple average growth, and project it forward.
- ROI Calculator: Return on Investment and Annualized ROICalculate return on investment from what you put in and what you got back, plus annualized ROI so investments held for different lengths of time compare fairly.
Costs of running a team
Software spend, return on tools, and the real cost of employees versus contractors.
- Subscription Cost TrackerAdd up what your subscriptions actually cost per year, once monthly and annual billing cycles are combined onto one number.
- Software ROI CalculatorTurn time saved by a tool into a dollar value, and see whether its cost actually pays for itself, and how fast.
- Team Cost CalculatorProject what a per-seat SaaS tool will cost as your team grows: today's bill and next year's, side by side.
- Contractor vs Employee Cost CalculatorCompare the full yearly cost of hiring an employee with paying a contractor for the same hours, and find the break-even contractor rate.
- Sales Commission Calculator With Quota and AcceleratorsWork out commission on sales with a base rate up to quota and a higher accelerator rate above it, plus total pay and the effective commission rate.
- Salary Raise Calculator: New Pay and Real IncreaseSee your new salary after a percentage raise, how much more you get each month, and whether the raise beats inflation.
- Business Days Calculator: Working Days Between DatesCount working days, calendar days and weeks between two dates, excluding weekends and holidays, including Sunday-to-Thursday work weeks.
Questions people ask
What's the difference between margin and markup?
Markup is profit as a share of cost; margin is profit as a share of price. A $100 item sold for $150 has a 50% markup but a 33.3% margin.
Do these calculators work in my currency?
Yes. Most tools have a currency selector and remember your choice. Country tax tools always use their own currency.
Can I save or share a result?
Every calculator can copy your results, download them as a CSV, print to PDF or give you a link that reopens the tool with your numbers.