Calculators Builder
Hi, I’m Sanzhi Kobzhan, the creator of Investor Calculators. I specialize in equity valuation, fundamental analysis, and portfolio management.
I built this platform to provide investors with practical tools based on proven financial models like discounted cash flow (DCF) and the Piotroski F-Score. My goal is to simplify complex analysis and make high-quality investment tools accessible to everyone — from beginners to experienced investors.
Methodology
My calculators are built on proven financial principles used by professional investors and analysts.
The DCF Calculator applies a two-stage discounted cash flow model to estimate intrinsic value, incorporating projected cash flows, terminal value, and margin of safety.
The Piotroski F-Score calculator evaluates nine key financial signals across profitability, leverage, liquidity, and operating efficiency to identify fundamentally strong companies.
The Mortgage Recast Calculator estimates a new monthly payment by reamortizing the reduced loan balance over the remaining term at the same interest rate, then compares payment savings, interest savings, and total cash required.
The YTM Calculator builds a bond cash flow schedule and solves for the internal rate of return (IRR) that equates the dirty price with discounted future cash flows, using actual dates, coupon timing, and redemption values for both maturity and call scenarios.
The Money Market Calculator estimates future balance and interest earned using APY, recurring deposits, contribution increases, and a defined savings period.
All calculations are transparent, data-driven, and designed to help investors make informed decisions using structured, repeatable methodologies.