Financial mathematics,
one click away.
My name is Roberto Emanuele Lezoche. Here you'll find six free financial mathematics calculators: savings plans, mortgages and loans, APR comparison, savings goals, selling price and break-even point.
Free tools
Free calculation tools, no registration required: simulate investments and loans, compare two loan offers by APR, and work out the selling price and break-even point of your product.
Use the sliders or type any value freely: chart and results update in real time.
This simulation is for illustrative and educational purposes only: it does not constitute financial advice or an investment recommendation. The rate is a constant, non-guaranteed assumption.
Use the sliders or type any value freely: payment and schedule update in real time.
This is an indicative simulation for illustrative purposes only: it does not constitute financial advice or a credit offer. The calculation assumes a fixed rate and does not include fees, taxes or APR.
Offer A
Offer B
For the same amount and duration, the APR measures the effective cost of each offer including fees.
Indicative simulation: it does not constitute financial advice or a credit offer.
The calculator finds the monthly contribution needed to reach your target within the chosen time frame.
If the initial capital is already sufficient, the required contribution is zero. This simulation is for illustrative and educational purposes only: it does not constitute financial advice or an investment recommendation.
The full unit cost adds the variable cost and a share of fixed costs; the price covers the full cost plus your margin.
Values are net of VAT; this is an illustrative tool that does not account for discounts, demand elasticity or market constraints.
Each unit sold leaves its contribution margin to cover fixed costs: you break even once they are fully covered.
If the price does not exceed the variable cost, break-even cannot be reached. This is an illustrative decision-support tool: it does not replace a full cost analysis.
Roberto Emanuele Lezoche
I'm interested in financial mathematics and economic analysis. On this site I collect the calculators I've built, to make concepts such as compound interest, amortization and break-even easy to explore.
Education
Degree in Business Administration (L-18); currently pursuing a Master's in Administration, Finance and Business Consulting at the Parthenope University of Naples.
Built by me
Every calculator is built from scratch on the formulas of financial mathematics: equivalent rates, French amortization, APR, contribution margin and break-even point.
Free to use
No registration required, and all calculations run directly in your browser. They are for illustrative and educational purposes only.
Get in touch
Questions, suggestions about the tools or bug reports: you can reach me on LinkedIn or by email.