Money & borrowing
Rent versus buy net-worth scenario
Rent versus buy net-worth scenario: The renter invests the down payment plus purchase closing costs.
Money & borrowing — Page 3
Choose a tool. The method, example and assumptions are included.
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Money & borrowing
Rental cash-on-cash return
Rental cash-on-cash return: Annual cash flow = collected rent − operating costs − financing payments.
Money & borrowing
Rental property capitalization rate
Rental property capitalization rate: enter your own figures, see the result and calculation method, and check the model’s assumptions.
Money & borrowing
Retirement income gap and target pot
Retirement income gap and target pot: Annual funding gap = max(0, spending − other income).
Money & borrowing
Savings goal contribution
Savings goal contribution: Monthly saving = max(0, target − current) ÷ months; zero growth model
Money & borrowing
Savings with monthly contributions
Project a savings balance from an initial deposit and recurring monthly contributions, with interest and timing shown.
Money & borrowing
Simple interest
Simple interest: Interest only = principal × annual rate × years
Money & borrowing
Split shared bills in proportion to income
Split shared bills in proportion to income: Each share = shared bill × individual income / sum of incomes.
Money & borrowing
Subscription annual cost comparison
Compare a monthly subscription with an annual plan for your expected usage period, including the break-even month.
Money & borrowing
Time-weighted investment return
Time-weighted investment return: Compute each subperiod return as end/start −1 and geometrically link the factors.
Money & borrowing
Tip and split the bill
Calculate a tip and split the final bill equally, with a cent allocation that adds up to the total.
Money & borrowing
Year-by-year variable-return drawdown
Year-by-year variable-return drawdown: For each entered year apply its return to the current balance, then take the entered year-end withdrawal.
Money & borrowing
Sinking fund periodic deposit
Sinking fund periodic deposit: End-of-period deposit = target × r / [(1+r)^n−1].
Money & borrowing
Rule of 72 comparison
Rule of 72 comparison: Approximate doubling years = 72 / annual percentage growth rate.
Money & borrowing
Level perpetuity present value
Level perpetuity present value: Present value of end-of-period level payments continuing forever = payment / discount rate.
Money & borrowing
Growing perpetuity present value
Growing perpetuity present value: Present value = next-period cash flow / (discount rate − growth rate).
Money & borrowing
Annuity due present value
Annuity due present value: Annuity-due present value = payment × [1−(1+r)^−n]/r × (1+r).
Money & borrowing
Periods to reach a savings goal
Periods to reach a savings goal: Solve target = start(1+r)^n + deposit[(1+r)^n−1]/r and round up to the next whole deposit period.
Money & borrowing
Education cost inflation target
Education cost inflation target: Inflate each annual education payment separately from today, then sum the nominal payments across the study years.
Money & borrowing
Retirement income gap
Retirement income gap: Monthly income gap = max(0, desired spending − pension income − other income).
Money & borrowing
Observed annual portfolio withdrawal rate
Observed annual portfolio withdrawal rate: Observed withdrawal rate = annual withdrawal / beginning portfolio value × 100.
Money & borrowing
Fund switch fee break-even
Fund switch fee break-even: Approximate break-even years = switching cost / annual fee savings on an unchanged balance.
Money & borrowing
Holding-period return after costs
Holding-period return after costs: Holding-period return = (sale proceeds + income − costs − initial investment) / initial investment × 100.
Money & borrowing
Treasury bill bank discount yield
Treasury bill bank discount yield: Bank discount yield = (face − price)/face × 360/days × 100.