THE WHOLE TOOLKIT

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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.

Business & selling

Short-term rental break-even occupancy

Short-term rental break-even occupancy: Break-even occupancy = fixed costs ÷ contribution per booked night ÷ available nights × 100.

Business & selling

Imported inventory landed unit cost

Imported inventory landed unit cost: Landed cost per saleable unit = all landed costs ÷ units × (1 − defect rate).

Business & selling

Wholesale to retail margin

Wholesale to retail margin: Net margin percentage = (retail − wholesale − selling fee − shipping) ÷ retail × 100.

Business & selling

Bulk discount profit impact

Bulk discount profit impact: Bulk profit = discounted unit revenue × quantity − unit cost × quantity − extra handling.

Business & selling

Break-even ROAS after product costs

Break-even ROAS after product costs: Break-even ROAS = revenue ÷ contribution before advertising.

Business & selling

Product return expected cost

Product return expected cost: Expected return cost = orders × return rate × total cost per return.

Home & construction

Flooring boxes with waste allowance

Flooring boxes with waste allowance: Boxes = ceiling(((length × width − excluded area) × (1 + waste rate)) ÷ box coverage).

Home & construction

Room paint with doors and windows

Room paint with doors and windows: Gallons = ((room perimeter × height − openings) × coats × texture allowance) ÷ coverage.

Home & construction

Ceiling paint quantity

Ceiling paint quantity: Gallons = length × width × coats × (1 + waste rate) ÷ coverage.

Home & construction

Drywall sheet count with openings

Drywall sheet count with openings: Sheets = ceiling((gross area − openings) × (1 + waste rate) ÷ sheet area).

Home & construction

OSB subfloor sheet count

OSB subfloor sheet count: Sheets = ceiling(floor area × (1 + waste rate) ÷ sheet area).