4 calculators

Business Finance Calculators

Compare cash flows, interest rates, investment value and operating break-even.

Use consistent timing and units to compare financial alternatives. This collection supports introductory finance, accounting, economics and business courses.

Start with compounding and effective rates. Put each cash flow in its correct period before calculating present value, then vary the discount rate. Separate fixed and variable costs before finding operating break-even.

The models use the assumptions entered on each page. Positive NPV is a model result, not a forecast guarantee; taxes, inflation, risk and unequal cash-flow dates require explicit treatment.

Key Concepts

•Compare equivalent rates and compound growth.
•Read NPV sensitivity and interpret IRR limitations.
•Compare revenue with fixed and variable costs.

Prerequisites

Percentages and exponents

Distinguish rates from currency amounts.

Cash-flow timelines

Separate time-zero investment from end-of-period receipts.

1. Interest and time value

Compare equivalent rates and compound growth.

Compound Interest Calculator

Calculate compound interest over time

Effective Interest Rate Calculator

Nominal APR → effective annual rate (APY/EAR) for any compounding frequency including continuous. APR ↔ APY conversion with comparison table.

2. Capital budgeting

Read NPV sensitivity and interpret IRR limitations.

NPV / IRR Calculator

Enter initial investment and annual cash flows to compute NPV, IRR (bisection), payback period, and discounted payback. NPV vs discount rate chart.

3. Operating decisions

Compare revenue with fixed and variable costs.

Break-Even Calculator

Fixed costs, variable cost per unit, and selling price → break-even quantity, revenue, contribution margin, and margin of safety with cost/revenue chart.