What margin does wholesale leave compared with retail?
Calculate wholesale and retail gross margins, profit per unit, and a blended margin using a $12 product sold at $18 wholesale and $32 retail.
What ROAS do I need to break even?
Calculate break-even ROAS from contribution margin, compare 2x and 3x returns, and see what an $80 sale leaves after product costs and advertising.
How much revenue is sitting in abandoned carts?
Calculate cart abandonment rate and model recoverable revenue with a $51,000 example. See why unfinished cart value differs from sales and profit.
How do I calculate repeat purchase rate?
Divide repeat buyers by unique customers, then multiply by 100. See a 30% worked example, compare revenue share, and avoid mixing reporting periods.
How do I calculate sales quota attainment?
Divide closed revenue by your quota, then multiply by 100. Work through a 75% example, the bonus threshold, and why team attainment needs weighted totals.
Does a raise keep up with the cost of living?
A 4% raise on a $72,000 salary, set against a 3.2% cost-of-living change, leaves $576 a year. That is $22.15 on each of 26 paychecks. The percent comes from the CPI series you choose.
Does a contractor or an employee cost less?
An employee costs salary times one plus the burden percent, plus overhead. A contractor costs the rate times the hours. The defaults are $129,000 and $128,000.
Does a monthly retainer beat a project pipeline?
A retainer is the monthly fee times the months you bill. Project fees are one job times how many you invoice. At the defaults, $4,000 a month beats five $8,000 projects by $8,000.
How do I calculate accounts receivable turnover?
Receivables turnover is credit sales divided by average receivables. $365,000 on a $30,000 average turns 12.17×, or 30 days. Examples cover slow payers, cash sales, and a blank opening balance.
How do I calculate average order value?
Average order value is period revenue divided by completed orders. $48,000 across 400 orders is a $120 ticket, with 3 items at $40 each. Ten examples cover refunds, wholesale, and shipping.
How do I calculate debt service coverage ratio?
Debt service coverage is net operating income divided by the year's loan payments. HUD reads a ratio under 1.0 as a shortfall. Defaults of $72,000 of income on $42,000 of payments come out at 1.71×.
How do I calculate net promoter score?
Net promoter score subtracts the detractor share from the promoter share. Sixty promoters and fifteen detractors in 100 answers score 45, and passives stay in the count.
How many visitors does an A/B test need?
Each variant needs the squared sum of the significance z and the power z, times both conversion variances, divided by the gap squared. From 20% to 30% that is 291 visitors per variant.
Should I take an owner draw or a salary?
A draw is taxed on 92.35% of the amount at 15.3%. A salary splits that 15.3% into 7.65% employee FICA and 7.65% employer FICA. On $80,000 the draw keeps $68,696.36 after self-employment tax.
What hourly rate does a freelancer keep after tax?
The rate you keep is billed revenue minus expenses, after a tax reserve, divided by every hour you worked. At $150 an hour the default month keeps $65 of that.
What is a good quick ratio?
The quick ratio divides cash, receivables, and other current assets except inventory by debts due this year. The defaults come out at 1.5×. A stock-heavy shop on the same test can sit at 0.38×.
What is the SaaS rule of 40?
The Rule of 40 adds revenue growth to a profit margin. Bessemer treats 40% or more as the published screen. Growth of 25% and a margin of 18% score 43%, which is 3 points above that line.
How do I calculate a project payback period?
Simple payback is the outlay divided by annual net cash. A $40,000 machine that leaves $16,000 a year pays back in 2.5 years, which is 30 months.
How do I calculate conversion funnel revenue?
Ten thousand visitors at a 2.5% conversion and an $80 order produce $20,000. Ad spend of $2,000 is $8 an order and 10 times return on ad spend.
How do I calculate days payable outstanding?
Days payable outstanding is accounts payable divided by credit purchases, times the days in the period. $30,000 on $365,000 of purchases is 30 days.
How do I calculate operating profit margin?
Operating profit is revenue minus cost of goods sold minus overhead. The FDIC studio example, $100,000 of sales, comes out at a 50% operating margin.
How do I calculate project internal rate of return?
Internal rate of return is the discount rate that sets net present value to zero. On a $50,000 outlay and $15,000 a year for five years, that rate is 15.2%.
How do I calculate project net present value?
Net present value discounts each year's cash, then subtracts the outlay. $15,000 a year for five years at 8% is worth $59,890.65 today, so a $50,000 project has an NPV of $9,890.65.
How do I calculate return on investment?
Return on investment is the gain divided by the amount invested. $25,000 that comes back as $32,500 is a 30% holding-period return, and 9.1% a year over three years.
How do I calculate revenue per employee?
Revenue per employee is annual revenue divided by headcount. A $1,200,000 year with eight people is $150,000 each, and payroll takes 40%.
How much more do I need to sell to offer a discount?
A discount comes out of contribution per unit. A 10% cut on an $80 price with $48 of variable cost needs 33.3% more units, 166.7 extra on a base of 500.
What happens to profit if I raise my price?
A 10% price rise on an $80 unit, with sales down 8%, adds $4,800 of contribution. The volume drop that holds contribution flat is 20%.
How do I calculate customer churn rate?
Customer churn divides customers lost by the opening count. Revenue churn divides lost MRR by starting MRR. Ten worked examples show when the two rates split.
How do I calculate gross profit margin?
Gross profit margin is gross profit divided by revenue. IRS Publication 334's shop, with $300,000 of net receipts and $200,000 of COGS, comes out at 33.3%.
How do I calculate inventory turnover?
Inventory turnover is cost of goods sold divided by average inventory. Days on hand flips that ratio. Ten examples cover a year, a quarter, and two common mistakes.
How do I calculate MRR and ARR?
Ending MRR adds new and expansion revenue and subtracts churn. Start at $20,000, add $3,000 of net new MRR, and the month ends at $23,000. ARR is $276,000.
How do I calculate net profit margin?
Net profit margin is net profit divided by revenue. The FDIC studio example, $100,000 of sales after costs and a $10,000 tax estimate, comes out at 40%.
How do I calculate the future value of an annuity?
The future value of an annuity compounds equal deposits. A $500 monthly deposit at 5% for 10 years ends at $77,641.14, with $17,641.14 of interest.
Calculate working capital and current ratio
Working capital is current assets minus current liabilities. The current ratio divides those totals. The quick ratio removes inventory. Nine snapshots show when the three numbers disagree.
How is the cash conversion cycle calculated?
The cash conversion cycle adds inventory days and receivable days, then subtracts payable days. Ten examples run from a 91.3-day default to a negative cycle.
What is a good days sales outstanding?
Days sales outstanding is receivables divided by credit sales, times the days in the period. The SBA calls this Days Receivable. Examples compare terms and cash sales mixed in.
What is contribution margin?
Contribution margin is price minus variable cost. On a $50 price with $30 of variable cost, the ratio is 40%, and 500 units cover $10,000 of fixed costs.
Are mortgage discount points worth the cost?
One discount point is 1 percent of the loan. Break-even is that cash divided by the monthly payment cut, from the CFPB pair through shorter stays.
Does a biweekly mortgage save time and interest?
A biweekly plan debits half the monthly payment 26 times a year. Here is the time and interest that 13th payment saves on several loans.
How is a pregnancy due date calculated?
ACOG dates the estimated due date as 280 days after the first day of the last period. A last period on 15 March 2026 and a 28-day cycle land on 20 December 2026.
How long does the Rule of 72 take to double money?
Divide 72 by the annual rate to estimate doubling time. Investor.gov uses 9 percent and about 8 years. The exact compound time sits beside it.
How many grams of protein should I eat in a day?
The adult protein RDA is 0.8 g per kilogram. At 70 kg that is 56 g, and the card shows the weight as 154.3 lb. At 2,000 kcal the AMDR band is 50 to 175 g.
How much water should I drink in a day?
The adult total-water Adequate Intake is 3.7 L for men and 2.7 L for women. On the US card those display as 0.98 gal and 0.71 gal, food moisture included.
What is a cap rate on a rental property?
Cap rate is net operating income divided by price. The mortgage stays out of the formula. Here are several rentals and the price a rate implies.
What is my ideal body weight?
Devine ideal weight at 175 cm on the male equation is 70.46 kg, which the US card shows as 155.3 lb. The CDC healthy band at that height is 124.9 to 168.1 lb.
What is the present value of a future sum?
Present value is a future sum divided by (1 + rate) raised to the years. A $10,000 sum in 10 years at 5 percent is $6,139.13 in this formula.
When is my fertile window?
On a 28-day cycle that starts 15 March 2026, the ASRM calendar window is 23 March through 28 March. Ovulation is cycle day 14, which is cycle length minus 14.
How do I calculate my semester GPA?
Semester GPA is quality points divided by credit hours. The four-course default is 43.9 points over 13 credits, which the calculator prints as 3.38.
How do I split my paycheck with the 50/30/20 rule?
The CFPB 50/30/20 split puts half of take-home into needs, 30% into wants, and 20% into savings. On $4,200 that is $2,100, $1,260, and $840.
How many calories do I need in a day?
Daily calories are a Mifflin-St Jeor resting number times the PAL you type. At 70 kg, 175 cm, age 35, and PAL 1.75, the male equation is 1,624 kcal at rest and 2,842 kcal for the day.
How much fencing do I need?
Fence bays are the length divided by the panel width, rounded up. Posts add one end post and one post per gate. The 32 m default is 18 panels, 20 posts, and 40 concrete bags.
How much food do I need to cater a party?
Main food is guests times the grams you type, times a buffer. The 45-guest default, at 350 g of main and 200 g of sides with a 12% buffer, is 38.9 lb of main and 22.2 lb of sides.
How much house can I afford?
The price is the loan a payment can support, plus your down payment. On the $7,500 default, at 6.5% for 30 years with 20% down, that price is $296,645.29.
How much shelving material do I need?
Stock boards are shelf length times the count, plus waste, divided by the board you buy. Six 1.2 m shelves at 10% waste need 26 ft, which is 4 boards of 2.4 m, and 18 brackets.
What heart rate zone should I train in?
Estimated max heart rate is 220 minus age. At 35 that is 185 bpm, and the calculator's AHA 50 to 85 percent target is 93 to 157 bpm.
What is CAGR and how do I calculate it?
CAGR is (ending ÷ starting) raised to 1 ÷ years, minus 1. $10,000 growing to $16,105.10 in five years is a 10% compound annual rate.
What is my BMI and what does the number mean?
BMI is kilograms divided by metres squared. At 175 cm and 70 kg the result is 22.9, in the CDC healthy-weight range for adults 20 and older. It is a screen, not a diagnosis.
How do I compare two personal loans?
Compare two personal loans by monthly payment times the term, plus upfront fees. On $20,000 the 8.5% four-year loan costs $23,962.37 and beats the 7.8% five-year loan at $24,866.98.
How many months of cash runway do I have?
Cash runway is how many months the bank balance lasts when monthly spending outruns cash revenue. The defaults last 9 months from $240,000, with $70,686.05 still in the account after month 6.
How much decking material should I buy?
Deck boards are the deck width divided into rows of face plus gap, times the run, plus waste. The 6 m by 4 m default is 28 rows and 617.3 ft of board, with 840 fasteners.
How much is a late invoice fee?
A late invoice fee is simple interest on the unpaid balance plus any fixed charge. The $7,500 default is $7,645.96 after 45 days at 12%, and a 360-day year bills a different interest amount.
How much should I budget for a birthday party?
A birthday total is the venue, food per guest, activities, and extras. The $1,054 default, $58.56 a guest, and what eight more people change.
How much wallpaper do I need?
Wallpaper rolls come from wall drops, not the floor. The 7-roll default, the 10% pattern allowance, and the height that jumps the order to 9.
What does inflation do to purchasing power?
A steady inflation rate shrinks what today's cash buys. $10,000 at 3% for 10 years, the BLS CPI method, and the linear mistake at $7,000.
What is the price per use of this purchase?
Price per use is sticker plus upkeep, divided by expected uses. The $0.68 default, the use count that flips the winner, and the sticker-price mistake.
What size air conditioner for this room?
This room model is area times a watts rate, then people and appliances. The 3.28 kW default, and why that sketch is not an ACCA Manual J load.
Which bank account costs less after fees?
Compare two accounts as a year of fees and overdraft charges minus interest at the stated APY. On a $5,000 balance the defaults pick Account B, at a net cost of -$175.00 against Account A's $119.00.
Hire help vs DIY: which is cheaper?
DIY cost is materials plus your hours, then a rework buffer, set against the quote. Here is the $966 default, why $35 an hour flips the job, and the $280 mistake of ignoring time.
How do I scale a recipe?
Scale an ingredient by new servings over original servings, then round. Here is 250 units to 625 for 10 plates, the 62.5-to-65 rounding bump, and the swapped-servings mistake.
How much does a pet cost per year?
The yearly cost is monthly food and insurance, plus vet, care, and a reserve. Here is the $3,710 default, the $4,910 first year, and why skipping the reserve makes year one look $800 cheaper.
How much does parking cost per year?
Daily parking times days times weeks, compared with twelve monthly passes. Here is the $3,456 daily year, the $3,120 pass, and the 3-day week where paying daily wins.
How much should I budget for childcare?
Net childcare is the price plus extra work costs, minus benefits and credits. Here is the $1,600 default, the $350 subsidy gap, and why the $1,800 sticker is not the household cost.
How much should I reserve for self-employment tax?
The reserve is profit times the rate you type. Here is the $1,848 default on $6,600 of profit, the $0 month when expenses win, and why 28% is not the IRS 15.3% SE tax.
Should I consolidate these debts?
Consolidation turns several balances into one new loan. Here is the $2,752.43 default saving, the cheaper payment that costs $2,347.99 more, and why the CFPB says to check the total.
What does home EV charging cost?
Home charging is distance times efficiency times loss times the kWh price. Here is the $66.53 default month, the $43.50 EIA-rate month, and what a 10% charging loss adds.
What is my take-home pay after deductions?
Take-home is gross minus the rates and fixed amounts you type. Here is the $3,345 default, the $500 swing when the tax rate moves 10 points, and why 22% is not an IRS bracket.
When does owning a car beat rideshare?
Owning costs a monthly fixed pile plus a per-trip variable. Rideshare is fare times trips. Here is the 36.1-trip break-even, the $672 default month, and the round-trip counting mistake.
How do I calculate board feet of lumber?
A board foot is 144 cubic inches. Here is the 64.9 board-foot default pack, why a nominal 2x6 order jumps to 96, and the 30-board-foot miss from using the stamp instead of the tape.
How is a gas bill estimated?
A gas bill is usage times the unit rate, plus the daily standing charge, then tax. Here is the $94.50 default month, why a winter 1,800 kWh month is $184.28, and the $14.18 you still pay at zero use.
How much can LED bulbs save?
LED savings are the watts you drop, times hours, times the kWh price. Here is the $196.57 default year on 12 bulbs, why 8-hour rooms double that, and the $23 leftover when you start from a CFL.
How much is a personal loan payment?
A personal-loan payment is the amortizing amount on principal, rate, and term. Here is the $376.85 default, $3,088.66 of interest, and why a longer term costs more.
How much should I budget for car maintenance?
A car maintenance fund is scheduled service, repairs, and registration, plus a buffer, then divided by 12. Here is the $165.79 default, a $76 newer-car path, and the $17 miss if you drop inspection.
How much should I save for new tires?
A tire reserve is set cost times monthly distance divided by tire life, plus seasonal storage divided by 12. Here is the $41.87 default and the $25.20 path without changeover.
What does food waste cost each year?
Food-waste cost is weekly spending times the waste share times 52, plus a year of disposal fees. Here is the $1,219.20 default, the $561.60 save if waste halves, and the $96 disposal line people skip.
What does time-of-use electricity cost?
Time-of-use cost is peak kWh times the peak price, plus off-peak kWh times the night price, plus the fixed charge. Here is the $153 default month and the $20 shift.
What is my loan-to-value ratio?
Loan-to-value is the loan balance divided by the current asset value. Here is the 76.2% default, the 80% line where PMI can start, and how a 10% price drop lifts LTV by more than 10 points.
When does a transit pass beat single tickets?
A pass breaks even when you ride often enough to cover its price at the single fare. Here is the 34-ride default, why 20 rides lose $45, and the 22-ride miss from counting a round trip as one fare.
Car vs train vs flight: which trip is cheaper?
Compare party cost and door-to-door time. Here is the $290 train default, why a fourth seat flips the winner to the car, and the fuel-only mistake that prints $111.96.
How do I convert weekly pay to annual salary?
Weekly pay times 52 is the IRS annual figure. Here is the period table, a $1,200 week that is $62,400 a year, and the $4,800 error from treating biweekly as twice a month.
How do overtime hours change this week of pay?
Paid hours are shift time minus unpaid breaks. Here is the 39.5-hour $987.50 default, the 7.5-hour overtime week at $1,281.25, and the mistake that counts 42 hours as paid.
How much does homemade coffee cost per cup?
Bag price divided by grams, times the dose, plus milk and equipment. Here is the $1.50 default cup, a $0.92 grocery-price cup, and the $0.95 beans-only mistake.
How much home equity do I have?
Gross equity is value minus secured debt. Here is the $160,000 default, the $28,800 sale-cost haircut, and why a 10% price drop cuts net equity by more than 10%.
How much roofing material do I need?
Roofing is sold by the square and the bundle. Here is the 51-bundle default, why a 12/12 pitch adds 13 bundles, and the 11-bundle miss from ordering off the footprint alone.
How much should I budget for a trip?
Add transport, lodging, food, activities, and insurance, then a buffer. Here is the $3,225.60 default, eight worked trips, and why a 0% buffer is the usual miss.
How much should I put in a sinking fund each month?
A sinking fund is the remaining cost, divided by the months left. Here is the $200 default, the $400 rush if the deadline halves, and the $40 error from ignoring cash already saved.
What does a hotel stay actually cost?
Nightly rate plus lodging tax, resort fees, and one-time charges. Here is the $1,211 default, the $180 headline that hides $242.20 a night, and why two nights cost $255.70 each.
When does refinancing a mortgage break even?
Break-even is refinancing costs divided by the monthly payment cut. Here is the 24-month default, the 104-month $50 cut, and why a higher 15-year payment has no payment break-even.
How much drywall do I need for a room?
Drywall is sold by the sheet. Here is the wall-area formula, a 15-sheet default room, and why 5% and 10% waste can buy the same count.
What is the true cost of an internet plan?
The advertised month is not the year. Here is the promo-plus-regular-plus-fees formula, a $67.50 effective default, and why a 12-month teaser hides a $1,620 two-year bill.
When do solar panels pay for themselves?
Solar payback is net system cost divided by the yearly bill value of generation. Here is the 7.6-year default, what a rebate does, and why exported kWh stretch the date.
How much should I save for a down payment?
Cash to close is the down payment plus closing costs and prepaids, minus credits. Here is the $96,100 default, four down-payment sizes, and the monthly deposit that hits the date.
How much should I set aside for home maintenance?
A maintenance reserve is a percent of home value, raised for an older house, then divided by 12. Here is the $483 default, the CFPB 1% rule of thumb, and how a renovation contingency sits on top.
What does a grocery price increase cost over a year?
A grocery increase is the new basket minus the old one, times trips, times 12. Here is the $145 to $158 default, the $624 yearly gap, and how that change hits a $4,200 month.
How do I calculate net worth?
Net worth is assets minus debts. Here is the $163,000 default snapshot, why home equity is not cash, and how a 20.2% savings rate moves the number.
How much does a meeting cost the company?
A meeting costs attendees times loaded hourly pay times duration. Here is the $494.79 default, what a weekly hour costs over a year, and why 25% overhead is not the BLS benefits share.
How much does a raise change take-home pay?
A 7% raise on $72,000 is $5,040 gross. Here is the estimated $302.40 extra per month after a 28% deduction rate, and why that rate is not an IRS table.
How much should I save for a wedding?
A wedding savings number is the guest budget after fixed costs and a contingency. Here is the $30,000 default, $133.33 per guest, and the monthly deposit that actually hits the date.
Lease vs buy a car: which is cheaper?
Lease versus buy is a term-and-resale question. Here is the calculator formula, the $22,220 versus $16,600 default, and why a lower monthly payment can still cost more.
What is my one-rep max?
A one-rep max estimate averages the Epley and Brzycki formulas. Here is the 80 kg for 5 reps default, the 202.1 lb US display, and why sets past 10 reps are a weak input.
How do I calculate percentage increase?
Percentage increase is (new minus old) divided by old. Here is the 80-to-100 example that prints 25%, the reverse-price question, and why stacked discounts are not 20 plus 10.
How long to repay a student loan at this payment?
A student loan payoff date is the remaining balance, the rate, and the payment you actually send. Here is the $25,000 default path, a 10-year labeled example, and what an extra $100 does.
When does a heat pump pay for itself?
Heat pump payback is net install cost divided by yearly heating savings. Here is the 7.6-year default, what a rebate does, and why a cheap furnace bill stretches the date.
How much concrete do I need for a slab?
Concrete volume is length times width times depth, then a waste allowance. Here is the 1.944 m³ default slab, why 8% waste buys 162 bags at 0.012 m³, and how a thicker pour changes the order.
How much do I save by working from home?
A home day saves commute and food, then loses extra utilities and equipment. Here is the $3,144 default year, a hybrid week, and why a home-office deduction is a different number.
How much life insurance do I need?
Life insurance needs are income support plus debts and future costs, minus assets already there. Here is the $874,000 default gap, and why a 5-to-8 times income rule can miss.
How much does it cost to move?
A move is transport, supplies, travel, and setup, plus a contingency. Here is the $3,432 default budget, a 12% buffer walkthrough, and the extra cash a new lease asks for.
Markup vs margin: what selling price do I need?
Margin is profit divided by selling price. Markup is profit divided by cost. Here is why a 35% margin on a $65 cost is a $100 price, not a 35% markup.
What is the true cost of owning a car?
True car cost is depreciation plus interest, insurance, fuel, and upkeep. Here is the $12,500 default year, the loan next to it, and how that compares with the IRS mileage rate.
How much does a shower cost?
A shower costs the water you use plus the energy that heats it. Here is the litre-and-kWh formula, a 9-minute example, and what a shorter shower or a 2.0 gpm head changes.
How much does this appliance add to the electric bill?
Appliance cost is watts times hours times your kWh price. Here is the formula, a 1,200-watt example, and how standby draw compares with a heater you leave on.
Which package is cheaper per unit?
Unit price is the sticker divided by the amount in the pack. Here is the formula, an $8.49 versus $11.99 example, and when a bigger pack still costs more after waste.
50/30/20 budget vs leftover after bills
The 50/30/20 rule splits take-home pay into needs, wants, and saving. Here is how that grid compares with leftover after the bills you already pay.
How much do I need to save each month for a goal?
A monthly savings number is the gap to the target, filled by deposits and a return you choose. Here is the timeline formula, a $25,000 example, and the 0% cash baseline.
Mortgage overpayment vs index investing
Extra mortgage principal buys a predictable interest saving. The same cash in an index fund may grow more, or less. Here is the calculator comparison at the published defaults.
How does compound interest grow savings?
Compound interest is interest paid on principal and on interest already earned. Here is the SEC definition, a 10-year worked example, and what fees take out of the ending balance.
How much does my commute actually cost?
Commute cost is distance times a vehicle rate, plus parking, times the days you actually go. Here is the formula, a 42 km worked example, and what hybrid and bicycle days change.
What does a rent increase cost over the lease?
A rent increase is the new monthly rent minus the old one, times the months you will pay it. Here is the formula, a $1,500 to $1,625 example, and how that change hits a budget.
How much does a road trip cost in fuel?
Fuel cost is distance times consumption times price. Here is the formula, an 850 km worked example, and how sharing the tank changes each person's bill.
How much flooring should I buy?
Flooring is sold by the pack. Here is the waste-and-pack formula, a 5.2 by 3.8 metre room, and why 5% and 10% waste can buy the same number of packs.
What hourly rate should a freelancer charge?
A freelance rate has to cover unpaid hours, overhead, and a tax buffer. Here is the formula, an $80,000 target, and why salary divided by 2,080 is the wrong quote.
How do I convert salary to hourly pay?
Salary divided by 2,080 hours is a payroll shortcut. Here is the working-weeks formula, a $72,000 example, and why unpaid overtime changes the hourly number.
How much should I tip?
There is no official US tip percentage. Here is the pre-tax formula, a $146 bill split three ways, and what the IRS and DOL actually say about tips.
How should roommates split rent fairly?
Equal rent is the average. Here is the floor-area split, a $3,600 three-roommate example, and how a shared security deposit comes back after deductions.
How much do my subscriptions cost per year?
Monthly charges hide the yearly bill. Here is the sum-times-12 formula, a five-service worked example, and when buying once costs less than another year of the same app.
How much paint do I need for a room?
Floor area is the wrong number for walls. Here is the wall-area formula, a worked room, and how to turn the coverage on the can into litres or gallons.
Should I rent or buy this house?
Rent versus buy is a time-horizon question. Here is the calculator formula, a five-year worked example, and the cash you need before the monthly payment even starts.
What is a good debt-to-income ratio?
DTI is monthly debt divided by gross monthly income. Here is the CFPB definition, their 33% example, and how a mortgage or a card payment moves the number.
Debt snowball vs avalanche: which costs less?
Avalanche sends extra money to the highest APR first. Snowball sends it to the smallest balance. Here is the same two-debt plan run both ways, with the interest each order costs.
How is a mortgage payment calculated?
Lenders set principal and interest so the loan hits zero on the last payment. Here is the formula, a worked example, and what taxes and insurance add on top.
How long will it take to pay off my credit card?
A payment only starts shrinking the balance after it covers that month's interest. Here is how to turn a card balance, APR, and payment into a payoff date.
How much should I have in an emergency fund?
Three to six months of essential bills is the usual range. Here is how to turn housing, food, and debt payments into a cash target you can fund.
How much rent can I afford?
The 30% rent rule is a US housing-policy line, not a personal budget. Here is how to turn take-home pay, debts, and savings into a rent you can live with.