used by people in more than 150 countries!

Welcome to version 3.0 of the Free Financial Calculators! These calculators can compute many values associated with finance, accounting, investing, and business, and are completely free for everyone to use. They are offered humbly in the hope that they will contribute in some small way to the advancement of business and to high-quality financial decision-making. I hope you find them useful!

Accounts Payable and Accounts Receivable

- Accounts Payable to Average Daily Purchases Calculator
- Accounts Receivable by Sales Calculator
- Accounts Receivable by Total Assets Calculator
- Accounts Receivable Turnover Calculator
- Average Accounts Receivable Calculator
- Average Collection Period Calculator
- Bad Debt to Accounts Receivable Calculator
- Cost of a Discount Calculator
- Investment in Accounts Receivable Calculator
- Return on Freed Cash Calculator
- Sales to Accounts Payable Ratio Calculator

Asset Utilization (Turnover)

Bonds

Cash Flows and Cash Ratios

- Cash and Cash Equivalents to Working Capital Calculator
- Cash and Marketable Securities to Total Current Assets Calculator
- Cash and Marketable Securities to Total Current Liabilities Calculator
- Cash Flow from Operations (CFO) Per Share Calculator
- Cash Flow from Operations (CFO) to Maturing Debt Ratio Calculator
- Cash Flow from Operations (CFO) to Net Income Ratio Calculator
- Cash Flow from Operations (CFO) to Sales Ratio Calculator
- Cash Flow to Long-Term Debt Calculator
- Cash Flow to Total Debt Calculator
- Optimal Cash Level Calculator (Baumol's Model)
- Optimal Cash Level Calculator (Miller-Orr Model)

Corporate Credit

- Accounts Payable to Average Daily Purchases Calculator
- Acid-Test (Quick) Ratio Calculator
- Bad Debt to Accounts Receivable Calculator
- Bad Debt to Sales Calculator
- Cash and Marketable Securities to Total Current Liabilities Calculator
- Cash Flow from Operations (CFO) to Maturing Debt Ratio Calculator
- Cash Flow from Operations (CFO) to Sales Ratio Calculator
- Cash Flow to Total Debt Calculator
- Cost of a Discount Calculator
- Investment in Accounts Receivable Calculator
- Return on Freed Cash Calculator

Depreciation

Insurance

Inventory and Supply Chain Management

Investing and Trading

- Absolute Breadth Index (ABI) Calculator
- Alpha Value Calculator
- Arbitrage Profit Calculator for Currency Exchanges
- Arbitrage Profit Calculator for Stocks or Commodities
- Beta Value Calculator
- Black-Scholes Calculator for the Price of a Put Option
- Black-Scholes Calculator for the Value of a Call Option
- Bond Valuation Calculator
- Bond Yield to Maturity (YTM) Calculator
- Book Value Per Share Calculator for Common Stock
- Book Value Per Share Calculator for Preferred Stock
- Capitalization Rate Calculator
- Current Yield of a Bond (Simple Yield) Calculator
- Expected Stock Performance Calculator
- Gross Income Multiplier (GIM) Calculator
- Present Value Interest Factor (PVIF) Calculator
- Present Value Interest Factor of an Annuity (PVIFA) Calculator
- Stock Risk Premium Calculator
- Yield on a Perpetual Bond Calculator

Liquidity

- Accounts Receivable by Sales Calculator
- Accounts Receivable by Total Assets Calculator
- Accounts Receivable Turnover Calculator
- Acid-Test (Quick) Ratio Calculator
- Average Collection Period Calculator
- Cash and Cash Equivalents to Working Capital Calculator
- Sales to Cash Calculator
- Sales to Working Capital Calculator

Loans

Options

Profitability

Real Estate

Stocks

- Absolute Breadth Index (ABI) Calculator
- Alpha Value Calculator
- Arbitrage Profit Calculator for Stocks or Commodities
- Beta Value Calculator
- Book Value Per Share Calculator for Common Stock
- Book Value Per Share Calculator for Preferred Stock
- Cash Flow from Operations (CFO) Per Share Calculator
- Expected Stock Performance Calculator
- Stock Risk Premium Calculator