Money & borrowing
Inflation and purchasing power
Compare a future price with the purchasing power of a fixed amount under an assumed annual inflation rate.
Money & borrowing — Page 2
Choose a tool. The method, example and assumptions are included.
Showing 25–48 of 112 tools
Money & borrowing
Interest-only loan payment plan
Interest-only loan payment plan: Monthly payment = principal × annual rate / 1200.
Money & borrowing
Internal rate of return (IRR)
Internal rate of return (IRR): enter your own figures, see the result and calculation method, and check the model’s assumptions.
Money & borrowing
Investment annual fee impact
Compare projected investment balances with and without a recurring annual asset-based fee under fixed growth assumptions.
Money & borrowing
Investment return on investment (ROI)
Calculate total investment profit and return percentage, including income and fees you enter.
Money & borrowing
Loan amortization schedule
See a monthly loan amortization schedule and download principal, interest and balance as a CSV file.
Money & borrowing
Loan payment / EMI
Loan payment / EMI: Monthly payment = P×r/[1−(1+r)^−n], r=annual/12; at zero interest P/n
Money & borrowing
Loan recast payment after a lump sum
Loan recast payment after a lump sum: Subtract the lump sum from principal and recalculate the fixed payment over the entered remaining term at the same rate.
Money & borrowing
Loan-to-value and combined LTV
Loan-to-value and combined LTV: LTV = first loan/property value ×100.
Money & borrowing
Modified Dietz investment return
Modified Dietz investment return: Return = (ending − starting − net external flows)/(starting + Σ flow × remaining-days/period-days).
Money & borrowing
Modified internal rate of return (MIRR)
Modified internal rate of return (MIRR): enter your own figures, see the result and calculation method, and check the model’s assumptions.
Money & borrowing
Monthly cash-flow budget worksheet
Monthly cash-flow budget worksheet: In entered row order, ending cash = previous cash + income − expenses.
Money & borrowing
Mortgage affordability from a payment budget
Mortgage affordability from a payment budget: Available principal-and-interest payment = income × debt ratio − other debt − housing overhead.
Money & borrowing
Mortgage payment with taxes and insurance
Estimate monthly housing cost including mortgage principal and interest, property tax, insurance and service fees.
Money & borrowing
Multiple discounts
Multiple discounts: Final price = price × (1−d₁/100) × (1−d₂/100); percentages do not add
Money & borrowing
Net present value (NPV)
Discount future net cash flows and subtract the initial outlay to estimate a project’s net present value.
Money & borrowing
Net worth worksheet with asset and debt totals
Net worth worksheet with asset and debt totals: Total entered assets and debts separately; net worth = assets − debts.
Money & borrowing
One-time loan overpayment schedule
One-time loan overpayment schedule: Calculate the normal fixed payment, then apply one extra principal payment after the regular payment in the chosen month.
Money & borrowing
Portfolio rebalancing trade worksheet
Portfolio rebalancing trade worksheet: Target value = (sum of current values + new cash) × target weight.
Money & borrowing
Present value of an annuity
Present value of an annuity: enter your own figures, see the result and calculation method, and check the model’s assumptions.
Money & borrowing
Profitability index
Profitability index: enter your own figures, see the result and calculation method, and check the model’s assumptions.
Money & borrowing
Real return after inflation
Adjust a nominal return for inflation over the same period to estimate the change in purchasing power.
Money & borrowing
Refinance fee break-even
Refinance fee break-even: New payment uses the fixed-rate annuity formula.
Money & borrowing
Rent affordability from a budget ratio
Estimate a monthly rent budget after other housing bills, using the income share you choose.