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tools

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• tip_bill_split

  Split a bill across a group after tax, tip, and optional rounding. Returns each person's share, the tip, the effective tip rate, and the collected total.

• discount_percent_off

  Compute the final checkout total after stacked percentage discounts, a fixed coupon, and a tax assumption. Sequential discounts are NOT additive.

• bmi

  Calculate body mass index and category from weight and height in US units.

• bmr_tdee

  Estimate basal metabolic rate (Mifflin-St Jeor) and total daily energy expenditure from age, weight, height, sex, and an activity multiplier.

• mortgage_payment

  Estimate the full monthly housing payment (principal, interest, tax, insurance, PMI, HOA) and the total interest over the term. Requires a positive home price.

• auto_loan

  Estimate a monthly auto-loan payment from price, down payment, trade-in, term, and APR.

• compound_interest

  Grow a balance with compound interest and optional monthly contributions. Returns future value, total contributed, and interest earned.

• savings_growth

  Project the future value of a lump-sum investment (optionally with monthly additions), including interest earned.

• simple_interest

  Compute simple interest, total value, and a comparison to annual compounding.

• calorie

  Estimate BMR and total daily energy expenditure using Mifflin-St Jeor, from weight/height in US units.

• percentage

  Solve percentage problems: what is X% of Y, X is what % of Y, or the % change from X to Y.

• square_footage

  Compute total area (and with-waste area) from up to two rectangular spaces, plus square yards, square metres, and acres.

• apy

  Compute annual percentage yield from a nominal rate and a compounding frequency, plus the one year interest and ending balance on an example deposit.

• win_loss_percentage

  Compute a winning percentage from wins, losses, and ties, where ties count as half a win.

• slope

  Compute slope from rise and run as degrees, percent grade, and the rise to run ratio. Run must be above zero.

• rule_of_72

  Estimate the doubling time of money at a fixed rate using the rule of 72, plus the exact doubling time from the compound formula. Rate must be between 0 and 30 percent.

• cagr

  Compute the compound annual growth rate connecting a starting and an ending value over a number of years, with total return percent and absolute change.

• remainder

  Compute the remainder and floored quotient of a division. Works for decimal inputs, not just integers.

• combinations

  Compute the number of distinct combinations, n choose r, using a multiplicative form that avoids factorial overflow.

• margin_of_error

  Compute the margin of error for a survey sample at the 90, 95, or 99 percent confidence level, assuming maximum variance proportions.

• va_mortgage

  Monthly VA loan payment including the funding fee, with no PMI. Returns the financed amount, payment, and total interest.

• gross_rent_multiplier

  Gross rent multiplier for a rental property: price divided by annual gross rent. Lower means more rent per dollar of price.

• emergency_fund

  Emergency fund target (expenses times coverage months), the remaining gap versus current savings, and months to close the gap at a fixed monthly contribution.

• dividend_reinvestment

  Compound a portfolio with a constant dividend yield and price growth, reinvesting monthly and optionally adding deposits. Returns ending value, total contributed, and dividends reinvested.

• budget_50_30_20

  Split monthly after-tax income by the 50/30/20 rule into needs, wants, and savings or debt paydown.

• growing_degree_day

  Accumulate growing, heating, or cooling degree days (Fahrenheit basis) from daily high, low, a base threshold, and a day count. Includes Celsius-basis totals.

• insulation

  U-value of an insulation upgrade and an estimated annual heating saving from conduction, using heating degree days, area, kWh conversion, and utility cost.

• roofing

  Roof area from footprint and pitch, with waste allowance, roofing squares, and approximate shingle bundles (3 per square).

• maintenance_calories

  Daily maintenance calories (TDEE) from Mifflin-St Jeor BMR and an activity level, using metric inputs.

• protein_molecular_weight

  Estimate a protein chain molecular weight in Da and kDa from residue count and average residue mass, plus peptide bond count.

• key_transposition

  Transpose a musical key and report the number of semitone steps upward between two keys.

• audio_time_stretch

  Compute the new duration of audio at a playback speed, plus the percent time change.

• youtube_revenue

  Estimated YouTube Adsense revenue from monthly views and RPM, with an annual figure and a 30 percent RPM swing range. RPM defaults to 2 when omitted.

• ceiling_tile

  Count 2x2 ft ceiling tiles needed for a rectangular room, with room area and a 5 percent cut-waste reminder.

• boat_loan

  Boat or RV loan payment with optional sales tax, down payment, and trade-in, including amount financed and total interest.

• pressure

  Compute pressure in Pascals, kilopascals, and psi from a force in newtons over an area in square metres.