Money & borrowing — Page 6

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Money & borrowing

Emergency fund rebuild timeline: Months to rebuild = remaining target divided by monthly contribution, rounded up.

Money & borrowing

Buy now pay later total cost: Total cost = purchase plus fees; payment amount = total divided by number of payments.

Money & borrowing

Credit card convenience fee cost: Convenience fee = bill times percentage fee plus fixed fee.

Money & borrowing

Cash-back redemption value: Net redemption value = points divided by 1,000 times entered value, less the fee.

Money & borrowing

Rental move-in cash needed: Move-in cash = rent times deposit and advance months, plus fees, less credits already paid.

Money & borrowing

Roommate rent split by private room size: Your rent = equal share of the shared portion plus your room-area share of the private portion.

Money & borrowing

Rent proration by occupied days: Prorated rent = monthly rent divided by calendar days in the billing month times occupied days.

Money & borrowing

Lease break cost estimate: Estimated lease-break cost = penalty plus remaining rent and repaid concessions, less valid deposit credit.

Money & borrowing

HOA special assessment payment plan: Approximate monthly payment = remaining assessment plus simple interest over the plan, divided by months.

Money & borrowing

Property tax monthly reserve: Additional monthly reserve = annual tax with planning increase divided by 12, less existing escrow.

Money & borrowing

Home maintenance sinking fund: Monthly contribution = annual maintenance plus major-project reserve less existing savings, divided by funding months.