Money & borrowing
Emergency fund coverage months
Emergency fund coverage months: Coverage months = savings ÷ (essential spending − reliable disruption income).
Money & borrowing — Page 5
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Money & borrowing
Debt consolidation fee break-even
Debt consolidation fee break-even: Simple break-even months = upfront fee ÷ approximate monthly interest-rate saving.
Money & borrowing
BNPL fee equivalent APR
BNPL fee equivalent APR: Simple annualized rate = fee ÷ amount × 365 ÷ days × 100.
Money & borrowing
Cashback category annual value
Cashback category annual value: Net annual value = min(monthly spending × 12, cap) × cashback rate − incremental annual fee.
Money & borrowing
Credit card convenience fee check
Credit card convenience fee check: Net card cost = bill × (fee rate − reward value rate) + fixed charge.
Money & borrowing
Insurance deductible premium break-even
Insurance deductible premium break-even: Claim-free years needed for premium savings to equal added deductible exposure = deductible difference ÷ annual premium saving.
Money & borrowing
Vehicle lease buyout total cost
Vehicle lease buyout total cost: Estimated equity after buyout = market value − buyout price − tax − fees − immediate repairs.
Money & borrowing
True monthly car ownership cost
True monthly car ownership cost: Monthly ownership cost = payment + insurance + fuel + parking + (maintenance + registration) ÷ 12.
Money & borrowing
Student loan refinance interest comparison
Student loan refinance interest comparison: Saving = total scheduled payments at the old rate minus total scheduled payments at the new rate minus refinance fee.
Money & borrowing
Household after-tax savings rate
Household after-tax savings rate: Savings rate = (personal savings + counted employer contributions) ÷ (take-home income + counted employer contributions) × 100.
Money & borrowing
FIRE portfolio target including tax
FIRE portfolio target including tax: Portfolio target = after-tax spending ÷ (1 − effective tax rate) ÷ withdrawal rate.
Money & borrowing
Coast FIRE current balance target
Coast FIRE current balance target: Current coast target = retirement portfolio target ÷ (1 + real growth rate)^years.
Money & borrowing
Portfolio fee drag over time
Portfolio fee drag over time: Fee drag = value at gross return minus value after subtracting the annual fee from return.
Money & borrowing
Inflation-adjusted future withdrawal
Inflation-adjusted future withdrawal: Future nominal withdrawal = today’s amount × (1 + inflation rate)^years.
Money & borrowing
Roth conversion tax reserve
Roth conversion tax reserve: Reserve = conversion amount × sum of entered marginal rates.
Money & borrowing
Rental property monthly cash flow
Rental property monthly cash flow: Cash flow = rent × (1 − vacancy − maintenance − management rates) − mortgage − tax, insurance and other costs.