Quantus Tools & Intelligence

Financial Calculators

All 10 Quantus calculators. Each one shows its formula, states its assumptions and produces at least one quantitative table alongside the result.

Written by , Editor

Reviewed by Ugo Candido, MBA

Last reviewed

Time value of money

Future Value Calculator

Calculate the future value of a starting amount and regular contributions. See the year-by-year schedule, the inflation-adjusted result, a return scenario band and the formula behind every number.

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Every calculator

Debt

  • Amortization Calculator

    Every payment split into interest and principal, with the contractual schedule and the extra-payment schedule side by side.

    DebtSplit every loan payment into interest and principal and test extra payments

Education

  • College Tuition Planner

    Two curves on one timeline: costs inflating and savings compounding, with the gap between them priced.

    EducationProject inflated college costs against a savings plan and find the funding gap

Time value of money

  • Future Value of Regular Payments

    A payment stream valued on its own terms: frequency, timing, escalation, and what each of those is worth in dollars.

    Time value of moneyValue a stream of regular contributions, with escalation and timing options

  • Future Value Calculator

    Project a lump sum and a contribution plan forward, then read the growth, the real value and the return scenarios behind the headline number.

    Time value of moneyProject what an amount and a savings plan are worth at a future date

Protection

  • Life Insurance Needs Calculator

    Income multiple, DIME and a full needs analysis side by side, with the coverage gap left after the resources you already hold.

    ProtectionCompare three coverage methods and price the gap between obligations and resources

Retirement income

  • Periodic Withdrawals Calculator

    Decumulation mechanics: how long a balance lasts, what you can withdraw over a chosen duration, and what is left at the end.

    Retirement incomeDecumulation from an existing balance: longevity, withdrawal amount and what remains

Retirement

  • Retirement Savings Calculator

    An age-based projection with a real-terms view and a capital target built from retirement cash flows, not from a withdrawal-rate rule.

    RetirementProject a retirement balance and measure it against a capital target built from retirement income

Tax planning

  • Roth IRA Conversion Calculator

    The taxable share of a conversion under the pro-rata rule, both futures compared after tax, and the break-even future rate solved exactly.

    Tax planningEstimate the taxable part of a conversion and compare both futures after tax

  • Tax Deferred Accumulation Calculator

    What modeled annual taxation costs compounding, and the withdrawal rate at which deferring it stops paying.

    Tax planningCompare a taxable account against a tax-deferred one over the same cash flows

Saving

  • Savings Goal Planner

    Three solve modes against one target: required deposit, time to goal, or projected balance.

    SavingSolve for the deposit, the time or the balance behind a savings target

What every calculator here includes

  • A working calculation with the formula written out beneath it.
  • At least one quantitative table — a schedule, a scenario band or a comparison.
  • An explicit list of the assumptions the model applies.
  • A statement of what the model does not do, and where it stops being reliable.
  • A worked example with arithmetic you can reproduce by hand.

The reasoning behind these models is set out in the methodology.

About the author

This page was written by , editor of Quantus Tools & Intelligence, who is the named author of the calculator documentation and the written analysis published on this site.

It was reviewed before publication by Ugo Candido, MBA, and last verified on . The editorial policy sets out what that review checks and how a correction is made.