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METASEO / 500 PURPOSEFUL TOOLSMake the numbers
Make the numbers
make sense.
Free calculators with clear formulas, worked examples and links to the next useful step.
195 calculators
Finance
Reducing-balance loan ↗
Estimate equal monthly repayments with interest charged on the outstanding balance. Excludes fees and assumes a constant rate.
PropertyMortgage repayment ↗
Estimate capital-and-interest mortgage payments at a constant rate. Excludes arrangement fees, insurance and rate changes.
FinanceFlat-rate loan ↗
Calculate interest on the original principal throughout the term. A flat rate is not equivalent to a reducing-balance APR.
FinanceEqual-principal loan ↗
Repay an equal amount of principal monthly; total payments decrease as interest falls.
FinanceCompound interest ↗
Estimate growth with a fixed rate and no additions, withdrawals, fees or tax.
FinanceSimple interest ↗
Calculate interest that does not itself earn interest.
MathsPercentage of a number ↗
Find a specified percentage of an amount.
MathsPercentage change ↗
Measure increase or decrease relative to the original non-zero value.
EverydayDiscount price ↗
Calculate the amount saved and price after a discount.
TaxAdd VAT or sales tax ↗
Add a user-specified rate. Check the applicable rate for the transaction; no statutory rate is selected for you.
TaxRemove VAT or sales tax ↗
Extract a user-specified tax from a tax-inclusive price.
TaxEffective tax rate ↗
Measure tax paid as a share of income; this does not calculate tax liability.
TaxTax savings reserve ↗
Plan a reserve using your own percentage. This is a savings scenario, not a tax assessment.
BusinessGross profit ↗
Calculate revenue less direct costs, before overheads and tax.
BusinessProfit margin ↗
Calculate profit as a percentage of revenue.
BusinessMarkup percentage ↗
Calculate the increase over cost as a percentage of cost.
BusinessBreak-even units ↗
Estimate units required to cover fixed costs; positive contribution is required. Fractional units are rounded up.
FinanceReturn on investment ↗
Measure total return, excluding fees and tax unless included in your amounts.
PropertyGross rental yield ↗
Calculate gross yield before costs, vacancy, financing and tax.
PropertyLoan to value ↗
Express borrowing as a percentage of property value.
PropertyDeposit percentage ↗
Calculate the deposit as a share of the purchase price.
PropertyDeposit needed ↗
Calculate a deposit at a chosen percentage.
SalaryHourly to annual pay ↗
Convert an hourly wage using annual paid hours, before deductions.
SalaryPro-rata salary ↗
Estimate part-time gross salary using the percentage of full-time hours worked.
SalaryOvertime gross pay ↗
Calculate gross overtime earnings before deductions.
SalaryPay rise ↗
Estimate annual gross pay after a percentage increase.
InsuranceMonthly income gap ↗
Estimate an uncovered monthly budget amount; this does not recommend a policy or cover amount.
InsuranceClaim after excess ↗
Illustrate a simple excess deduction, assuming the loss is covered with no other limits.
InsurancePet claim co-payment ↗
Estimate your share after a fixed excess has already been deducted. Actual policy ordering and limits may differ.
InsuranceAnnual versus monthly insurance ↗
Compare an annual quote with 12 equal monthly instalments. Include any deposit separately in your comparison.
InsuranceDental annual cost budget ↗
Budget dental costs from your own treatment estimates. This is not a provider price quote.
EverydayTravel daily budget ↗
Estimate spending excluding costs not entered, such as flights and insurance.
EverydayFuel journey cost ↗
Estimate fuel cost from distance and your cost per 100 kilometres.
EverydayUnit price ↗
Compare packages using a consistent unit such as kg, litres or items.
MathsAverage speed ↗
Calculate average speed using distance and non-zero elapsed time.
FitnessBody mass index ↗
Calculate adult BMI as a screening measure; it is not a diagnosis and is unsuitable for children or pregnancy.
FitnessRunning pace ↗
Calculate average minutes per kilometre.
EducationWeighted assessment contribution ↗
Find one assessment’s percentage-point contribution to the final grade. Add all contributions for a final result.
EducationStudy hours total ↗
Plan total study time at a constant weekly commitment.
FinanceEmergency fund target ↗
Estimate a savings target from your own chosen period.
FinanceSavings goal timeline ↗
Estimate whole months to save a target with no interest or withdrawals.
FinanceMonthly budget balance ↗
Calculate income remaining after listed expenses.
BusinessSales commission ↗
Calculate commission from an eligible sales amount and agreed percentage.
BusinessAdvertising ROAS ↗
Measure revenue per unit spent; this does not measure profit.
BusinessCPM revenue scenario ↗
Model revenue using an assumed publisher CPM. No advertising rate is guaranteed.
BusinessAffiliate revenue scenario ↗
Model revenue before costs and tax; enter validated, payable conversions.
InsuranceInsurance budget share ↗
Measure insurance spending as a proportion of income. This does not assess suitability.
InsuranceCover limit shortfall ↗
Illustrate loss above a cover limit, ignoring excesses and other conditions.
SalaryAnnual to monthly gross pay ↗
Convert annual gross salary into equal monthly amounts before deductions.
EverydayTip amount ↗
Calculate a tip on the entered bill.
EverydaySplit a bill ↗
Split a total evenly; rounding may require a small adjustment.
FinanceInflation future cost ↗
Estimate the cost one year later at a user-chosen rate, not a forecast.
ConversionsKilometres to miles ↗
Convert kilometres to miles using a fixed conversion factor.
ConversionsMiles to kilometres ↗
Convert miles to kilometres using a fixed conversion factor.
ConversionsMetres to feet ↗
Convert metres to feet using a fixed conversion factor.
ConversionsFeet to metres ↗
Convert feet to metres using a fixed conversion factor.
ConversionsCentimetres to inches ↗
Convert centimetres to inches using a fixed conversion factor.
ConversionsInches to centimetres ↗
Convert inches to centimetres using a fixed conversion factor.
ConversionsKilograms to pounds ↗
Convert kilograms to pounds using a fixed conversion factor.
ConversionsPounds to kilograms ↗
Convert pounds to kilograms using a fixed conversion factor.
ConversionsGrams to ounces ↗
Convert grams to ounces using a fixed conversion factor.
ConversionsOunces to grams ↗
Convert ounces to grams using a fixed conversion factor.
ConversionsLitres to uk gallons ↗
Convert litres to uk gallons using a fixed conversion factor.
ConversionsUk gallons to litres ↗
Convert uk gallons to litres using a fixed conversion factor.
ConversionsLitres to us gallons ↗
Convert litres to us gallons using a fixed conversion factor.
ConversionsUs gallons to litres ↗
Convert us gallons to litres using a fixed conversion factor.
ConversionsSquare metres to square feet ↗
Convert square metres to square feet using a fixed conversion factor.
ConversionsSquare feet to square metres ↗
Convert square feet to square metres using a fixed conversion factor.
ConversionsHectares to acres ↗
Convert hectares to acres using a fixed conversion factor.
ConversionsAcres to hectares ↗
Convert acres to hectares using a fixed conversion factor.
ConversionsHours to minutes ↗
Convert hours to minutes using a fixed conversion factor.
ConversionsMinutes to hours ↗
Convert minutes to hours using a fixed conversion factor.
ConversionsDays to hours ↗
Convert days to hours using a fixed conversion factor.
ConversionsWeeks to days ↗
Convert weeks to days using a fixed conversion factor.
ConversionsYears to months ↗
Convert years to months using a fixed conversion factor.
ConversionsMegabytes decimal to gigabytes decimal ↗
Convert megabytes decimal to gigabytes decimal using a fixed conversion factor.
ConversionsGigabytes decimal to megabytes decimal ↗
Convert gigabytes decimal to megabytes decimal using a fixed conversion factor.
ConversionsKibibytes to mebibytes ↗
Convert kibibytes to mebibytes using a fixed conversion factor.
ConversionsMebibytes to kibibytes ↗
Convert mebibytes to kibibytes using a fixed conversion factor.
ConversionsMph to km per hour ↗
Convert mph to km per hour using a fixed conversion factor.
ConversionsKm per hour to mph ↗
Convert km per hour to mph using a fixed conversion factor.
ConversionsMetres per second to km per hour ↗
Convert metres per second to km per hour using a fixed conversion factor.
ConversionsKilojoules to kilocalories ↗
Convert kilojoules to kilocalories using a fixed conversion factor.
ConversionsKilocalories to kilojoules ↗
Convert kilocalories to kilojoules using a fixed conversion factor.
ConversionsWatts to kilowatts ↗
Convert watts to kilowatts using a fixed conversion factor.
ConversionsKilowatts to watts ↗
Convert kilowatts to watts using a fixed conversion factor.
ConversionsBar to psi ↗
Convert bar to psi using a fixed conversion factor.
ConversionsPsi to bar ↗
Convert psi to bar using a fixed conversion factor.
ConversionsKilopascals to bar ↗
Convert kilopascals to bar using a fixed conversion factor.
ConversionsRadians to degrees ↗
Convert radians to degrees using a fixed conversion factor.
ConversionsDegrees to radians ↗
Convert degrees to radians using a fixed conversion factor.
ConversionsTonnes to kilograms ↗
Convert tonnes to kilograms using a fixed conversion factor.
ConversionsMillilitres to litres ↗
Convert millilitres to litres using a fixed conversion factor.
ConversionsLitres to millilitres ↗
Convert litres to millilitres using a fixed conversion factor.
ConversionsCubic metres to litres ↗
Convert cubic metres to litres using a fixed conversion factor.
ConversionsNautical miles to kilometres ↗
Convert nautical miles to kilometres using a fixed conversion factor.
ConversionsYards to metres ↗
Convert yards to metres using a fixed conversion factor.
ConversionsMetres to yards ↗
Convert metres to yards using a fixed conversion factor.
ConversionsMillimetres to inches ↗
Convert millimetres to inches using a fixed conversion factor.
CurrencyCurrency converter ↗
Convert currencies using daily reference rates. Actual bank and transfer rates and fees may differ.
PropertyInterest-only mortgage payment ↗
Estimate the monthly interest payment while the mortgage principal stays outstanding.
PropertyFirst mortgage payment interest share ↗
See what proportion of a first monthly payment goes to interest.
PropertyProperty equity ↗
Estimate ownership value remaining after outstanding secured borrowing.
PropertyHouse sale net proceeds ↗
Estimate cash released by selling a property after the listed costs.
PropertyHome purchase cash required ↗
Budget the cash needed for a deposit plus separately entered purchase costs.
PropertyNet rental yield before finance ↗
Measure rental income after operating costs relative to purchase price.
PropertyRental monthly cash flow ↗
Estimate monthly rental cash left after expenses, debt payment and reserve.
PropertyRental vacancy loss ↗
Budget gross rent forgone during a specified vacancy period.
PropertyRent budget from income ↗
Calculate a rent budget using a percentage you choose.
PropertyMonthly rent increase amount ↗
Calculate the extra rent due each month under a proposed percentage rise.
PropertyProperty price per square metre ↗
Compare property price relative to recorded floor area.
PropertyMortgage fee monthly equivalent ↗
Spread a one-off fee across your chosen comparison period.
PropertySimple bridging interest cost ↗
Model simple monthly interest for a short-term borrowing scenario.
FinanceMonthly saving needed without interest ↗
Plan the monthly contribution needed to reach a cash target without interest.
FinanceFuture value of monthly savings ↗
Estimate growth of equal month-end deposits at a constant monthly rate.
FinanceInflation-adjusted return ↗
Adjust an investment return for the entered inflation rate.
FinanceCompound annual growth rate ↗
Express total growth as a constant annualised rate.
FinanceInvestment doubling time ↗
Estimate years needed to double a balance at a fixed positive annual return.
FinancePresent value of a future sum ↗
Discount one future amount to a value today using your chosen rate.
FinanceFuture value of a lump sum ↗
Project one lump sum at an effective annual rate.
FinanceSavings withdrawal runway ↗
Estimate how long savings cover constant monthly withdrawals.
FinanceDebt payment to income ratio ↗
Measure debt payments as a percentage of gross monthly income.
FinanceCredit utilisation ratio ↗
Calculate the share of an available credit limit currently used.
FinanceCredit card daily interest scenario ↗
Estimate one day of simple interest on an unchanged balance.
FinanceNet loan proceeds after deducted fees ↗
Estimate the amount received when fees are deducted from an advance.
FinanceLoan repayment budget headroom ↗
Estimate remaining monthly cash before taking on a new repayment.
FinanceBalance transfer upfront fee ↗
Calculate a percentage-based balance transfer fee.
FinanceSinking fund contribution ↗
Allocate equal contributions for a known upcoming bill.
FinancePersonal net worth ↗
Combine asset values and debts into a simple net-worth estimate.
FinanceMonthly reserve for annual bills ↗
Convert several annual bills into one monthly savings reserve.
FinanceAnnual subscription spend ↗
See the annual cost of recurring subscriptions.
FinanceHousehold savings rate ↗
Measure the proportion of take-home income left after spending.
FinancePortfolio target from withdrawal rate ↗
Model a portfolio size from a user-chosen withdrawal percentage.
FinanceAnnual retirement income gap ↗
Estimate the annual amount still to be funded in a retirement scenario.
SalaryEmployee pension contribution ↗
Estimate contributions on the pensionable earnings amount you enter.
SalaryEmployer pension contribution ↗
Model an employer contribution using eligible earnings you supply.
SalaryCombined pension contributions ↗
Combine employee and employer contributions on the same earnings basis.
SalaryGross pay after salary sacrifice ↗
Calculate contractual gross pay remaining after an entered sacrifice.
TaxBonus after assumed deductions ↗
Model a bonus using a combined deduction percentage you choose.
TaxSingle tax-band charge ↗
Calculate the charge in one user-defined band.
TaxFlat tax after an allowance ↗
Illustrate a flat-rate tax model after a user-entered allowance.
TaxIncome after entered deductions ↗
Reconcile net pay using actual deductions from a payslip.
TaxWithholding versus estimated liability ↗
Compare an independently obtained tax estimate with withholding.
TaxTax fraction of inclusive price ↗
Find what percentage of a tax-inclusive amount represents tax.
TaxOutput minus input VAT scenario ↗
Calculate the arithmetic difference between output and eligible input VAT.
TaxTwo-rate VAT total ↗
Add tax amounts for two groups charged at different user-entered rates.
TaxCombined non-compounding sales tax ↗
Model two taxes charged independently on the same net price.
TaxCapital gain after costs ↗
Calculate a simple gain from entered proceeds and costs.
TaxCapital gains tax at entered rate ↗
Apply an assumed rate to a positive gain remaining after an entered relief.
TaxRental profit tax reserve ↗
Set aside a chosen share of an estimated rental profit.
TaxBusiness profit tax reserve ↗
Budget a reserve for estimated business tax using entered assumptions.
TaxMileage expense at entered rate ↗
Multiply business mileage by a rate you independently verify.
TaxDonation gross-up scenario ↗
Calculate the grossed-up amount under a simple tax-relief model.
InsuranceHome contents room inventory ↗
Add replacement values from six inventory groups to prepare for a contents quote.
InsuranceSingle-item limit gap ↗
Identify the portion of an item value above an entered single-item limit.
InsuranceClaim with a limit then excess ↗
Illustrate a claim where the limit is applied before a fixed excess.
InsuranceClaim with excess then limit ↗
Illustrate a claim where the fixed excess is applied before the payout cap.
InsurancePet claim after excess and co-payment ↗
Model insurer payment when excess is deducted before a percentage co-payment.
InsurancePet owner's claim contribution ↗
Estimate the owner's contribution under an excess-first co-payment model.
InsurancePet annual benefit remaining ↗
Track the remaining benefit allowance within an entered policy year.
InsuranceMulti-pet discount savings ↗
Estimate savings when the same discount applies to both entered premiums.
InsurancePet premium cost over a chosen period ↗
Budget premiums over a chosen period at an unchanged monthly price.
InsuranceTravel cancellation cover gap ↗
Compare entered non-refundable trip costs with a cancellation limit.
InsuranceBaggage cover gap ↗
Identify a simple difference between baggage value and cover limit.
InsuranceAnnual travel policy break-even trips ↗
Find the number of identical single-trip premiums that reach an annual premium.
InsuranceCombined car insurance excess ↗
Add excess components that apply to the same example claim.
InsuranceVehicle value and finance gap ↗
Illustrate a shortfall between finance settlement and an estimated payout.
InsuranceCar renewal premium change ↗
Measure the percentage change in a renewal quote.
InsuranceAnnual driving mileage projection ↗
Estimate annual mileage before completing a vehicle quote.
InsuranceHigher excess savings break-even ↗
Compare extra potential excess with annual premium savings.
InsuranceContents insured-value ratio ↗
Measure insured value as a percentage of estimated replacement cost.
InsuranceProportional underinsurance claim scenario ↗
Illustrate a proportional reduction using insured value divided by replacement value.
InsuranceRebuild budget from entered area rate ↗
Multiply area by a rebuild rate obtained independently, then add listed costs.
InsuranceHome emergency self-funding target ↗
Add chosen reserves for common home emergencies.
InsuranceDental claim with reimbursement cap ↗
Model percentage reimbursement subject to an entered remaining cap.
InsuranceDental treatment out-of-pocket cost ↗
Estimate treatment cost left after a capped reimbursement.
InsuranceDental payment plan annual cost ↗
Budget a dental payment plan's first-year subscription cost.
InsuranceDental plan cost comparison ↗
Compare a treatment budget with a plan and entered extra charges.
InsuranceDepreciated gadget value scenario ↗
Illustrate value after a user-entered depreciation deduction.
InsuranceGadget cover total subscription cost ↗
Calculate total subscription cost before any claim excess.
InsuranceLoss-of-rent limit duration ↗
Express a benefit limit as an equivalent number of monthly rent payments.
InsuranceBusiness interruption monthly gap ↗
Budget a monthly cash shortfall during a business interruption.
InsuranceBusiness interruption cash reserve ↗
Model a reserve for a chosen interruption period.
InsuranceContract liability limit gap ↗
Compare a contractual limit figure with current cover.
InsuranceIncome benefit percentage scenario ↗
Illustrate a benefit amount from user-entered eligible earnings and percentage.
InsuranceWaiting-period cash reserve ↗
Estimate reserves needed across an entered waiting period.
InsuranceFamily lump-sum funding scenario ↗
Combine debts, a spending period and one-off costs less entered assets.
InsuranceExisting life cover funding gap ↗
Calculate the amount of an entered funding target not met by existing resources.
InsurancePolicy cancellation refund scenario ↗
Reconcile a refund quote after listed deductions.
InsuranceInsurance renewals monthly reserve ↗
Set aside a monthly amount for several annual renewals.
InsuranceInsurance instalments including deposit ↗
Calculate the full cost of an insurance payment plan with a separate deposit.
InsuranceInsurance finance extra cost ↗
Compare a deposit-plus-instalments plan with an upfront premium.
BusinessNet operating profit ↗
Calculate profit after direct costs and entered overheads.
BusinessSelling price for target margin ↗
Find a selling price that gives a chosen gross margin on revenue.
BusinessSelling price from markup ↗
Build a selling price using a percentage above cost.
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