Finance & Tax
Compound interest, loan amortization, investment analysis, and tax calculators for smarter financial decisions
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(CLS Prevention Active · Zero Shift)Available Tools (38)
Compound Interest Calculator
Calculate compound interest with initial principal, monthly deposits, annual returns, and visual asset growth charts.
Mortgage Loan & Repayment Calculator
Calculate mortgage payments with amortizing, equal principal, or balloon schedules and monthly breakdown.
Salary Take-Home Pay & Paycheck Tax Calculator
Calculate take-home pay after payroll taxes, social insurances, and hourly holiday wages.
CAGR & Stock Cost Averaging Calculator
Calculate compound annual growth rate (CAGR) and stock dollar-cost averaging break-even price.
Dividend Reinvestment (DRIP) & Snowball Calculator
Simulate dividend reinvestment plan (DRIP), dividend growth, yield on cost, and passive income milestones.
Inflation & Purchasing Power Decay Calculator
Calculate purchasing power loss over time due to inflation and determine equivalent future living costs.
VAT & Global Sales Tax Reverse Calculator
Reverse calculate inclusive/exclusive VAT, net supply prices, and regional sales tax rates.
Car Financing vs Lease vs Rental Total Cost Calculator
Compare total cost of car ownership between financing, leasing, and long-term rentals.
FIRE Number & Safe 4% Rule Retirement Simulator
Calculate your target FIRE number based on the 4% rule and project years to financial independence.
Stock Average Down & Breakeven Calculator
Calculate blended cost basis after averaging down, required rebound percentage to break even, and multi-tier capital allocation scenarios.
Position Size & Risk Management Calculator
Determine exact position sizing and share quantity based on account equity, risk tolerance percentage, stop-loss distance, and risk/reward ratio.
Crypto Leverage Liquidation & ROE Calculator
Calculate forced liquidation price for crypto perpetual futures across long/short positions, leverage multipliers, safety buffers, and target ROE.
DeFi Impermanent Loss & Yield Simulator
Simulate AMM liquidity pool impermanent loss against raw token holding (HODL), factoring in trading fee yields and net profit divergence.
Rental Property Yield & Cap Rate Calculator
Calculate Net Operating Income (NOI), Capitalization Rate (Cap Rate), Cash-on-Cash return, and monthly net cash flows for rental real estate.
Jeonse to Monthly Rent & Rent vs. Buy Calculator
Convert lease deposit to monthly rent and compare unrecoverable homeownership costs versus renting and investing down payment surplus.
Debt Snowball vs. Avalanche Payoff Calculator
Compare Debt Snowball (smallest balance first) against Debt Avalanche (highest interest rate first) to minimize interest and accelerate payoff.
Rule of 72 & Compound Doubling Calculator
Estimate the years needed to double, triple, or quadruple your investment capital using the Rule of 72, alongside exact logarithmic compounding.
Dividend Tax & After-Tax Yield Calculator
Calculate net dividend income after withholding taxes (domestic 15.4% vs US 15%), along with effective after-tax yields and periodic payouts.
Options Profit Payoff & Break-even Calculator
Visualize options payoff curves, calculate exact break-even prices, and evaluate max risk/reward profiles across Call and Put positions.
Kelly Criterion Optimal Allocation Calculator
Calculate the mathematically optimal capital allocation fraction to maximize geometric wealth growth based on win rate and payoff ratio.
Bond Yield to Maturity (YTM) & Duration Calculator
Calculate Bond Yield to Maturity (YTM), Current Yield, Macaulay & Modified Duration, and interest rate sensitivity curves.
Emergency Fund Runway & Savings Goal Calculator
Determine your financial survival runway in months based on essential expenses, calculate emergency fund gaps, and plan full funding timelines.
Subscription Tracker & Audit Calculator
Audit recurring subscriptions (Netflix, Spotify, AI tools) to analyze monthly, annual, and daily fixed expenditures with savings tips.
Capital Gains Tax Calculator (US & Global)
Calculate capital gains tax across South Korea foreign stock flat 22% tax with â‚©2.5M deduction, property brackets, and US short vs long-term rates.
Gift & Inheritance / Estate Tax Calculator
Simulate South Korea and global gift and estate taxes with statutory exemptions (spouse â‚©600M, children â‚©50M), progressive brackets, and filing discounts.
Credit Card Payoff & Minimum Payment Calculator
Simulate credit card debt payoff timelines, uncover the true cost of minimum payment traps, and see how extra monthly payments save thousands.
ETF Expense Ratio Long-Term Drag Calculator
Visualize how ETF expense ratios (e.g. 0.03% vs 0.75%) compound over decades, eroding portfolio wealth and costing tens of thousands in lost gains.
Dollar-Cost Averaging (DCA) vs Lump Sum Calculator
Compare Dollar-Cost Averaging (DCA) versus Lump-Sum investing across bull, bear, and volatile cycles to determine optimal entry strategy.
Personal Net Worth & Solvency Calculator
Calculate your true personal net worth by balancing liquid assets, real estate, and retirement funds against mortgages, student loans, and credit debt.
Sharpe Ratio & Sortino Ratio Calculator
Evaluate portfolio performance per unit of risk using Sharpe and Sortino ratios, filtering out upside volatility to isolate true downside capital risk.
Retirement Annuity & Pension Drawdown Calculator
Calculate monthly drawdown allowances from pension, 401(k), and annuity accounts, modeling fixed-period payouts and Trinity 4% safe withdrawal longevity.
Mortgage Refinance Break-Even & Savings Calculator
Calculate monthly payment savings, upfront closing costs, and exact break-even months when refinancing home mortgages or personal loans.
NPV, IRR & Time Value of Money Calculator
Evaluate capital projects with Net Present Value (NPV), Internal Rate of Return (IRR), Profitability Index (PI), and core Time Value of Money formulas.
Auto Loan Early Payoff & Prepayment Calculator
Determine how extra monthly payments and one-time lump-sum paydowns reduce auto loan terms, eliminate interest, and achieve debt-free driving earlier.
Gold-to-Silver Ratio (GSR) & Rebalancing Calculator
Calculate the real-time Gold-to-Silver Ratio (GSR), evaluate historical valuation bands, and audit precious metal portfolio allocations.
Term Deposit (CD) vs Monthly Savings Maturity Calculator
Compare maturity payouts between fixed lump-sum certificates of deposit (CD) and monthly recurring savings, accounting for taxes and effective yields.
EV Charging Cost vs Gas Fuel Economy Calculator
Compare EV charging costs and efficiency against gas car fuel economy to calculate monthly/annual savings and break-even horizon.
Rooftop Solar Panel Payback & Power Yield Estimator
Calculate monthly solar kWh generation, electric bill savings, and simple payback horizon based on system size, sun hours, and rebates.
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