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Paycheck, mortgage, and 1099 calculators

Free take-home pay, a mortgage payment, and 1099 tax, with the formula on the page. The paycheck calculator covers common salaries and a $75,000 wage in every state. The mortgage calculator prices principal, interest, tax, and insurance. The 1099 tax calculator covers one hourly rate or one state, including self-employment tax and expenses.

• PayPaycheck calculatorTake-home by salary, and $75,000 in every state.
• HousingMortgage calculatorPrincipal, interest, tax, and insurance.
• 10991099 tax calculatorHourly rates and every state, with self-employment tax.

297 calculators

• PayPaycheck CalculatorEstimate take-home pay from salary or hourly wages, filing status, and a state rate you can edit.
• PayHourly to SalaryTurn an hourly wage and a work week into annual, monthly, and biweekly pay.
• PayOvertime Pay CalculatorPrice time-and-a-half and double-time on top of a regular week.
• PayFreelance Rate CalculatorFind the hourly rate that covers your target pay, expenses, and taxes.
• PayPay Raise CalculatorWhat a percent raise does to annual pay and to estimated take-home.
• PaySelf-Employment TaxSocial Security, Medicare, and a rough federal income tax on self-employment profit.
• Pay401(k) MatchYour deferral, the match formula, and the employer dollars left on the table.
• PayBonus WithholdingEstimated take-home on a bonus withheld at the federal supplemental rate, plus FICA and state tax.
• PayNet SalaryTake-home pay from a flat income-tax rate and an employee social contribution. Any country.
• Pay1099 Net PayHourly contractor tax and 1099 net pay after self-employment tax, federal, state, and local tax, and business expenses.
• PaySalary to HourlyA salary turned into an hourly rate using the hours and weeks you actually work.
• PayPay Period ConverterTurn a paycheck into a weekly, monthly, or annual amount.
• PayGross-UpThe gross pay that leaves a chosen net after a flat tax rate.
• PayHours of Work to BuyA price divided by your after-tax hourly rate.
• PayTrue Hourly WagePay minus commuting cost, divided by work hours plus commute hours.
• PayPer DiemA daily allowance times days, and what is left after what you spend.
• PayMileage ReimbursementBusiness miles times a cents-per-mile rate.
• PayQuarterly Estimated TaxOne quarter of a tax amount you already estimated.
• PayFICA TaxEmployee Social Security and Medicare on 2026 wage rules.
• PayMarriage TaxFederal income tax for two single filers against the same incomes filed jointly, 2026 brackets.
• PayEffective Federal Tax Rate2026 federal income tax divided by gross income, after the standard deduction.
• PayItemized vs Standard DeductionThe larger of your itemized total and the 2026 standard deduction.
• PayQBI Deduction SketchTwenty percent of qualified business income, before the limits that often bind.
• PaySimplified Home OfficeThe simplified method: $5 a square foot, up to 300 square feet.
• PayContractor vs W-2The same gross pay as wages or as self-employment profit, federal only, 2026.
• PayDay RateA day rate times the days you will bill.
• PayGift Tax ExclusionHow much of a gift is over an annual exclusion you type.
• PayEstate Tax SketchForty percent of the amount over an exemption you type.
• PayShift DifferentialPay for hours that earn a percent premium on top of the base rate.
• PayUnpaid LeaveThe pay you give up for unpaid days, from an annual salary.
• PaySigning Bonus ClawbackHow much of a signing bonus you would repay if you leave early, pro rata.
• PayIncome Tax Calculator2026 federal income tax on wages, after a pre-tax deferral and the standard deduction.
• PaySales CommissionA base plus a percent of sales, with an optional draw already paid.
• PayDouble-Time PayStraight time plus hours paid at twice the hourly rate.
• PayUnused PTO PayoutGross pay for unused paid-time-off hours at your hourly rate.
• PaySeverance PayA lump severance of so many weeks of pay.
• PayEmployer Payroll TaxThe employer’s Social Security and Medicare match on wages.
• PayAnnualize Year-to-Date PayTurn wages earned so far this year into a 12-month pace.
• Pay401(k) per PaycheckWhat a deferral percent takes out of each paycheck.
• PayRaise vs InflationWhether a raise beat the inflation rate you type.
• HousingMortgage Payment CalculatorMonthly principal and interest, plus tax, insurance, and HOA — the full housing payment.
• HousingRent AffordabilityA rent ceiling from your monthly income, using a ratio you can change.
• HousingHouse AffordabilityA home price from income, debts, and the housing payment you are willing to carry.
• HousingRefinance Break-evenMonths of payment savings it takes to earn back refinance closing costs.
• HousingBiweekly MortgageWhat happens when you pay half the mortgage every two weeks instead of monthly.
• HousingRental YieldGross and net yield from the price, the rent, and the yearly costs of owning.
• HousingInterest-only LoanThe monthly interest on a balance that does not fall.
• HousingExtra Mortgage PaymentInterest and months saved by adding a fixed amount to the principal-and-interest payment.
• HousingAmortization CalculatorThe payment, total interest, and how much of the first year is interest.
• HousingDebt-to-Income RatioHousing and other debts as a share of gross monthly income.
• HousingDown Payment CalculatorDollars due at a percent down, and the loan that remains.
• HousingHome Price from a PaymentThe loan, and a price, that a principal-and-interest payment can carry.
• HousingMortgage InsuranceA monthly mortgage-insurance estimate, and when the balance reaches 80% of value.
• HousingClosing Cost EstimateA percent of the price plus the fixed fees you already know.
• HousingRent vs BuyRent over a stretch of years against owning, after a rough credit for equity.
• HousingHELOC PaymentInterest-only payment on a drawn balance, plus the payment if the draw later amortizes.
• HousingHome Equity AvailableHow much of a capped loan-to-value is left after the current mortgage.
• HousingProperty TaxAnnual and monthly tax from a value and a rate you supply.
• HousingRent IncreaseWhat the rent becomes after a percent raise, and a year from now.
• HousingCap RateNet operating income divided by price. Debt is not in it.
• HousingCash on Cash ReturnAnnual cash flow after the mortgage, divided by the cash you put in.
• HousingNet Operating IncomeRent left after vacancy and operating costs, before the mortgage.
• HousingGross Rent MultiplierPrice divided by one year of gross rent.
• HousingOne Percent RuleMonthly rent against 1% of the price. A screen, not a valuation.
• HousingDebt Service CoverageNet operating income divided by the annual mortgage payments.
• HousingMortgage PointsThe cost of discount points and how many months the lower payment takes to earn it back.
• HousingAdjustable Rate ResetThe new principal-and-interest payment if the rate changes on the remaining balance.
• HousingLoan to ValueThe loan as a percent of the home’s value.
• HousingFHA Mortgage InsuranceUp-front and monthly FHA mortgage insurance from the percents you enter.
• HousingVA Funding FeeThe funding fee from a percent you enter, in cash or rolled into the loan.
• Housing15-Year vs 30-Year MortgageThe two payments and the interest gap between a 15-year and a 30-year fixed loan.
• HousingCash-Out RefinanceCash left after a new loan pays off the old one and the costs, and the new payment.
• HousingMortgage RecastThe new payment after a lump sum of principal, with the rate and the end date unchanged.
• HousingHome Value GrowthA future price from a yearly growth rate. The rate is a guess you type.
• HousingEquity after YearsAppreciated price minus the loan balance that would remain.
• HousingSeller Net SheetWhat a seller keeps after commission, the mortgage payoff, and other costs.
• HousingEarnest MoneyA deposit from a percent of the price. The percent is whatever the contract uses.
• HousingPrice per Square FootPrice divided by living area. A comparison, not a quality score.
• Housing70 Percent RuleThe highest purchase price a flip rule of thumb allows.
• HousingFlip ProfitSale price minus purchase, repairs, holding costs, and selling costs.
• HousingTemporary Rate BuydownPayments in year one, year two, and year three of a 3-2-1 buydown, then the note rate.
• HousingSecurity DepositA deposit as a number of months of rent, and the cash due to move in.
• HousingRent ProrationRent for a partial month, using the days you choose.
• HousingVacancy LossRent you do not collect, from a vacancy rate or from empty months.
• HousingValue from Cap RateThe price a cap rate implies for a given net operating income.
• HousingHolding CostsWhat it costs to carry a property for a number of months.
• HousingShort-Term Rental RevenueNights times rate times occupancy, minus a platform and cleaning drain.
• HousingHOA CostA monthly association fee turned into a year, and into a slice of a mortgage rate’s buying power.
• HousingCash to CloseDown payment plus closing costs plus prepaids, minus credits.
• HousingOffer over AskingAn offer that is a percent above or below the list price.
• HousingReal Estate CommissionA commission percent of the sale price, and an optional split.
• HousingFHA Loan CalculatorPrincipal, interest, and mortgage insurance from rates you type.
• HousingVA Mortgage CalculatorA VA-style payment with a funding fee you can finance or pay in cash.
• HousingRental Property Cash FlowMonthly cash left after vacancy, expenses, and the mortgage.
• HousingHome Equity LoanThe amortizing payment on a fixed home-equity loan, not a line of credit.
• HousingPMI Removal TimelineHow many scheduled payments until the balance is 80% of today’s value.
• HousingMortgage EscrowThe monthly set-aside for property tax and homeowners insurance.
• HousingTransfer TaxA deed or transfer tax from a rate you supply.
• HousingRental Depreciation SketchStraight-line depreciation of a building over the years you type.
• HousingProperty Management FeeA manager’s percent of collected rent, and an optional leasing fee.
• HousingMortgage Rate GapHow much the monthly payment changes between two interest rates.
• HousingHousing Expense RatioThe housing payment as a percent of gross monthly income.
• HousingBridge Loan InterestInterest-only cost of a short loan between two houses.
• HousingSeller ConcessionA seller credit as a percent of the price, and the price net of that credit.
• WealthLoan Payoff CalculatorSee how many months a payment takes, and what an extra amount does.
• WealthCompound InterestGrow a starting balance with a monthly contribution and a fixed annual return.
• WealthRetirement Nest EggProject a balance at a retirement age and a simple withdrawal amount.
• WealthSavings GoalEither the time to a goal or the monthly amount that hits a date.
• WealthInflation CalculatorWhat a price becomes, and what today’s dollars will buy later.
• WealthAuto Loan CalculatorMonthly payment on a car after down payment, trade-in, tax, and fees.
• WealthCredit Card PayoffHow long a balance lasts on a percent minimum or on a fixed payment.
• WealthCapital Gains TaxFederal tax on a gain, long-term brackets or ordinary rates if you held it a year or less.
• WealthInvestment ReturnTotal gain and the compound annual rate between a starting value and an ending value.
• WealthEmergency FundA cash target from essential monthly costs, and how long the gap takes to fill.
• WealthNet WorthWhat you own minus what you owe, in a few lines.
• WealthPenny Stock CalculatorProfit, percent gain, and break-even on a stock priced as low as $0.0001, after commissions, federal tax, and a state rate.
• WealthLoan EMIEquated monthly installment on a personal or reducing-balance loan.
• WealthTerm DepositMaturity value of a lump sum left alone, at the compounding frequency the bank uses.
• WealthSavings DrawdownHow long a pot lasts if you withdraw a monthly amount and the rest keeps earning.
• WealthEffective Annual RateThe yearly rate a nominal APR becomes once compounding is counted.
• WealthReal ReturnWhat a nominal gain is worth after inflation.
• WealthZakat2.5% of wealth above a nisab you enter. Arithmetic, not a ruling.
• WealthLoan Payment CalculatorThe fixed monthly payment on a principal, a rate, and a number of months.
• WealthRemaining Loan BalanceWhat is left on a fixed loan after a number of on-time payments.
• WealthBalloon PaymentThe payment of a longer amortization, and the balance due when the balloon arrives.
• WealthPersonal Loan CalculatorThe monthly payment and interest on a personal loan.
• WealthBoat Loan CalculatorThe monthly payment and interest on a boat loan.
• WealthBusiness Loan CalculatorThe monthly payment and interest on a business loan.
• WealthRV Loan CalculatorThe monthly payment and interest on a rv loan.
• WealthMotorcycle Loan CalculatorThe monthly payment and interest on a motorcycle loan.
• WealthMedical Loan CalculatorThe monthly payment and interest on a medical loan.
• WealthStudent Loan PaymentThe standard amortizing payment on a student-loan balance.
• WealthIncome-Driven Student PaymentA percent of income above 150% of a poverty line you type.
• WealthSimple InterestInterest that does not compound: principal times rate times time.
• WealthPresent ValueWhat a future amount is worth today at a discount rate you choose.
• WealthFuture Value of a Lump SumOne amount compounded yearly, with nothing added later.
• WealthRule of 72A quick estimate of how long a rate takes to double, and the exact compound time beside it.
• WealthSavings RateHow much of your income you keep, as a percent.
• WealthFIRE NumberAnnual spending times 25, the portfolio a 4% withdrawal implies.
• WealthCoast FIREThe balance today that reaches a FIRE number with no more contributions.
• WealthYears to Financial IndependenceHow long a balance and a monthly savings amount take to reach a target.
• WealthSinking FundHow much to set aside each month for a dated expense, with optional interest.
• WealthCD LadderFive equal certificates, one through five years, at rates you type.
• WealthBond PriceThe price of a coupon bond from its face, coupon, yield, and years.
• WealthApproximate Bond YieldThe average-income approximation of yield to maturity.
• WealthAfter-Tax YieldA taxable yield after a tax rate you type.
• WealthTax-Equivalent YieldThe taxable yield that matches a municipal yield after a tax rate.
• WealthDividend YieldAnnual dividends divided by the price you would pay.
• WealthYield on CostThis year’s dividend divided by what you originally paid.
• WealthDividend ReinvestmentShares if dividends buy more shares and the price also grows.
• WealthAverage Share CostTotal you paid divided by shares you hold.
• WealthStock Sale ProceedsSale minus cost and a flat fee. Tax is not taken out.
• WealthPosition SizeShares to buy so a stop-loss costs a fixed percent of the account.
• WealthAnnuity PayoutThe payment a lump sum supports for a fixed number of years at a rate you type.
• WealthPresent Value of an AnnuityWhat a fixed string of monthly payments is worth today.
• WealthPension EstimateYears of service times a percent times final pay. A defined-benefit sketch.
• WealthSocial Security Claiming AgeThe benefit at 62 through 70 if full retirement age is 67, and a break-even.
• WealthRequired Minimum DistributionAccount balance divided by the IRS uniform lifetime factor for ages 72 to 95.
• WealthRoth vs TraditionalThe same contribution, taxed now or taxed later, grown at one rate.
• WealthFour Percent WithdrawalA first-year withdrawal of 4% of the portfolio, in dollars per month.
• WealthDebt ConsolidationOne new payment against the payments it would replace.
• WealthBalance TransferA transfer fee against the interest a 0% window avoids, if you pay the balance off in time.
• WealthCredit UtilizationBalances divided by credit limits.
• WealthCredit Card Monthly InterestOne month of interest on a balance that you do not pay off.
• WealthAPR from Payment and FeesThe rate that makes the payments equal the amount you actually received.
• WealthCompare Two LoansTwo amortizing loans side by side: payment and interest.
• WealthCash Back vs Low RateA rebate that shrinks the car loan against a lower rate with no rebate.
• WealthAuto Lease PaymentDepreciation plus a rent charge from a money factor, before tax.
• WealthMoney Factor to APRThe lease industry’s conversion: money factor times 2,400.
• WealthCar Payment BudgetThe amount financed that a monthly car budget can carry.
• WealthTrade-In EquityTrade-in value minus what you still owe, and the amount left to finance.
• WealthFund Expense DragA balance grown with and without an annual expense ratio.
• WealthPortfolio RebalanceDollars to move so two holdings match target weights.
• WealthSeries I Bond Composite RateThe composite rate from a fixed rate and a semiannual inflation rate.
• WealthSavings Account InterestInterest from an APY on a balance you do not add to.
• WealthCollege Cost GrowthToday’s annual college cost grown for a number of years, then a four-year total.
• Wealth529 GrowthA college account with a starting balance and a monthly deposit.
• WealthRetirement WithdrawalA yearly and monthly withdrawal from a portfolio at a percent you choose.
• WealthFinance CalculatorSolve the return, the monthly deposit, or the years for a savings goal.
• WealthIRR CalculatorThe annual rate that sets an investment’s even cash flows and a final sale to zero.
• WealthCAGR CalculatorThe compound annual growth rate from a starting value to an ending value.
• WealthAverage ReturnThe arithmetic average and the compound average of four yearly returns.
• WealthIRA GrowthA balance plus a yearly contribution, compounded monthly.
• Wealth401(k) ProjectionYour deferral and the match, grown for a number of years at a flat salary.
• WealthMutual Fund LoadA front load and an expense ratio taken out of a lump-sum investment.
• WealthPayment CalculatorHow much you can borrow for a payment you choose.
• WealthInterest CalculatorSimple interest beside annual compound interest on the same lump sum.
• WealthYears to One MillionHow long a balance and a monthly deposit take to reach $1,000,000.
• WealthAvalanche vs SnowballInterest on two debts when the extra payment goes to the higher rate, or to the smaller balance.
• WealthLease vs Buy a CarCash out of pocket for a lease against buying and selling after the same months.
• WealthAuto RefinanceThe payment and the interest if you replace the remaining car loan.
• WealthHSA Contribution SketchGrowth of an HSA contribution, plus the income tax not paid if it is pre-tax.
• WealthCar DepreciationA straight-line drop from the price you paid to a resale percent.
• WealthCost to Own a CarPayment, insurance, fuel, and upkeep added into one month.
• WealthSharpe RatioReturn above a risk-free rate, per unit of volatility you type.
• WealthCAPM Required ReturnA required return from a risk-free rate, a beta, and a market return.
• WealthP/E RatioPrice divided by earnings per share, and the earnings yield.
• WealthStock SplitShares and price after a split, with the holding worth the same.
• WealthMargin InterestInterest on money borrowed to hold shares, for a number of days.
• WealthOption Payoff at ExpirationWhat a long call or a long put is worth at expiration, after the premium.
• WealthTreasury Bill YieldThe discount yield and the investment yield on a T-bill price.
• WealthCD Early WithdrawalInterest earned so far, minus a penalty of several months of interest.
• WealthDividend IncomeYearly cash from a portfolio yield, before and after a tax rate you type.
• WealthBackdoor Roth Pro-RataThe taxable share of a conversion when a traditional IRA holds pre-tax money.
• WealthAsset Allocation DollarsTurn stock, bond, and cash percents into dollars of a portfolio.
• WealthDaily vs Annual CompoundingHow much more a nominal rate pays compounded daily than once a year.
• WealthInterest for a Number of DaysSimple interest on a balance for a short number of days.
• WealthSortino RatioReturn above a target, divided by downside volatility.
• WealthInformation RatioReturn above a benchmark, per unit of tracking error.
• WealthTreynor RatioReturn above the risk-free rate, per unit of beta.
• WealthJensen's AlphaReturn left after CAPM says the beta was already paid for.
• WealthBeta from VolatilityBeta from a correlation and two volatilities.
• WealthTwo-Asset VolatilityThe volatility of a mix of two assets, from their correlation.
• WealthValue at RiskA normal-distribution loss over a horizon you choose.
• WealthKelly CriterionThe fraction of the bankroll a win rate and a payoff imply.
• WealthTrade ExpectancyAverage profit per trade from the win rate and the average win and loss.
• WealthHedge Fund FeeA one-year management fee and a performance fee above a hurdle.
• WealthGross and Net ExposureLong plus short, long minus short, and the leverage against equity.
• WealthMargin Call PriceThe price where a long stock position hits a maintenance line.
• WealthBlack-ScholesA European call or put price, with delta, gamma, vega, and theta.
• WealthPut-Call ParityThe gap between a call, a put, and the forward.
• WealthCovered CallPremium, break-even, and the profit if the shares are called.
• WealthStraddle MoveThe straddle’s price as a percent of the stock.
• WealthFutures Fair ValueThe futures price implied by interest and a dividend yield.
• WealthContract ValueNotional value of futures or options contracts from the multiplier.
• WealthBond DurationPrice, Macaulay duration, modified duration, and DV01 for an annual coupon bond.
• WealthDividend Discount ModelGordon growth price from the next dividend, a discount rate, and a growth rate.
• WealthEnterprise ValueMarket cap plus debt minus cash, and the multiple of EBITDA.
• WealthMargin of SafetyHow far a price sits below a value you claim.
• WealthDays to CoverShort interest divided by average daily volume.
• WealthStock Borrow CostThe fee to borrow shares for a number of days.
• WealthVolatility TargetHow much to hold so the position’s volatility matches a target.
• WealthPrivate Market MultiplesDPI, RVPI, and TVPI from paid-in capital, distributions, and value left.
• WealthPip ValueWhat one pip is worth on a currency position.
• WealthMaximum DrawdownThe percent drop from a peak to a later trough.
• WealthWeighted Portfolio ReturnThe return of up to three weights.
• WealthAnnualized VolatilityTurn a daily or weekly volatility into a yearly one.
• WealthCollateral HaircutHow much a lender will advance against a pledged asset.
• SpendingTip SplitterSplit a bill with tax and a tip counted on the pre-tax amount.
• SpendingPercentage CalculatorA percent of a price, what share one amount is of another, or the change between two amounts.
• SpendingDiscount CalculatorSale price after a percent off, then tax on the discounted price.
• SpendingSales Tax CalculatorAdd a statewide sales-tax rate, then edit it for your city.
• SpendingFuel Cost CalculatorWhat a drive costs, in miles and gallons or in kilometers and liters.
• SpendingElectricity CostPrice a month of kilowatt-hours, or one appliance left running.
• Spending50/30/20 BudgetSplit take-home pay into needs, wants, and savings. Change the percents if you want.
• SpendingCurrency ConverterConvert an amount at a rate you can edit. ECB pairs fill in when the feed answers.
• SpendingUnit PriceWhich of two packs is cheaper per unit, whether the unit is a kilogram, a liter, or one item.
• SpendingPrice Before Sales TaxThe pre-tax price inside a total that already includes tax.
• SpendingStacked DiscountsTwo discounts applied one after the other, not added.
• SpendingOriginal PriceThe price before a discount, given the sale price and the percent off.
• SpendingPurchasing PowerWhat today’s dollars are worth after years of inflation you type.
• SpendingSubscription CostA monthly charge turned into a year and into five years.
• SpendingDaily Spend, InvestedA daily habit invested monthly for years, at a rate you type.
• SpendingPrice per UseWhat an object costs each time you use it.
• SpendingElectric vs Gasoline CostFuel cost for the same miles, electric against gasoline.
• SpendingCost per MileOwnership and fuel costs divided by the miles you drive.
• SpendingLease Mileage PenaltyThe charge for miles over the lease allowance.
• SpendingWindfall SplitA lump of money split by percents you choose.
• SpendingCredit Card RewardsRewards on spending, minus the annual fee.
• SpendingCost of Living AdjustmentA salary scaled between two cost indexes you supply.
• SpendingMonthly Budget LeftoverWhat is left after housing, food, transport, debt, and everything else.
• BusinessVAT and GSTAdd value-added tax to a net price, or pull it back out of a price that already includes it.
• BusinessProfit MarginMargin on a sale, and the markup that produced it. They are not the same percent.
• BusinessBreak-even PointHow many units you must sell before fixed costs are covered.
• BusinessPayback PeriodYears for a steady yearly cash flow to repay what something cost.
• BusinessNet Present ValueAn upfront cost against five years of equal cash flow, discounted.
• BusinessFully Loaded Employee CostSalary plus a burden percent for taxes and benefits.
• BusinessBillable RateThe hourly rate that covers a target income after utilization and overhead.
• BusinessEarly-Pay DiscountThe implied annual rate of 2/10 net 30, or any terms you type.
• BusinessCard Processing FeeWhat a percent plus a fixed fee takes out of a card payment.
• BusinessMarkupA selling price from a cost and a markup percent.
• BusinessPrice from MarginThe price that produces a target margin on a known cost.
• BusinessNet MarginProfit divided by revenue.
• BusinessStartup RunwayMonths of cash left at the current monthly burn.
• BusinessCurrent RatioCurrent assets divided by current liabilities.
• BusinessQuick RatioCash, receivables, and short-term investments over current liabilities.
• BusinessInventory TurnoverCost of goods sold divided by average inventory, and the days that implies.
• BusinessDays Sales OutstandingHow many days of revenue are sitting in receivables.
• BusinessCustomer Lifetime ValueAverage order times orders per year times years, minus a simple cost.
• BusinessLTV to CACLifetime value divided by what you spent to acquire the customer.
• BusinessReturn on Ad SpendRevenue attributed to ads divided by the ad spend.
• BusinessRule of 40Revenue growth plus profit margin. A software-investor rule of thumb.
• BusinessValuation MultipleA price from a profit or revenue figure times a multiple.
• BusinessStraight-Line DepreciationCost minus salvage, spread evenly over the years you choose.
• BusinessDeclining Balance DepreciationDouble-declining balance for one year, on the book value you type.
• BusinessWeighted Average Cost of CapitalThe blended cost of equity and after-tax debt from weights you type.
• BusinessEBITDA MarginEBITDA divided by revenue.
• BusinessReturn on EquityNet income divided by equity.
• BusinessReturn on AssetsNet income divided by assets.
• BusinessDebt to EquityLiabilities divided by equity.
• BusinessWorking CapitalCurrent assets minus current liabilities.
• BusinessCustomer ChurnThe share of customers lost, and the revenue those customers were paying.
• BusinessMRR to ARRMonthly recurring revenue turned into an annual run rate.
• BusinessRevenue per EmployeeRevenue divided by headcount.
• BusinessInvoice Late FeeA flat late fee plus a percent of the invoice for the days it is late.
• BusinessUtilization RateBillable hours divided by hours available.
• BusinessRetainer vs HourlyHow many hours a retainer covers, and the overage if the work runs long.