Finance

Days sales in inventory from the inventory balance and cost of goods sold, with the inventory turnover ratio and the stock level a target DSI would need.

Grows a balance at compound interest while regular withdrawals come out of it, and shows the closing balance year by year.

Net cash flow from inflows and outflows, with the closing bank balance and runway, plus a full cash flow statement by the indirect method.

Work out a year-to-date return both ways: the simple percentage change, and the money-weighted figure that takes your own contributions back out of it.

Work out the most you can put into an owner-only 401(k): the employee deferral plus the employer share, on the right base for Schedule C profit or a W-2 wage.

Present value of an endless payment stream from PV = C / r, the growing form C / (r - g), and the reverse solves for the payment or the implied return.

See what rolling negative equity into a new car loan really costs a month, and which month the new loan finally drops below what the car is worth.

Work out the early withdrawal penalty on a CD, what you actually walk away with, and the month at which cashing it in stops eating part of your deposit.

Project a Thrift Savings Plan balance with the real agency contribution: the automatic 1%, the two-step match, and what front-loading the limit costs you.

Thrift Savings Plan loan payments at the G Fund rate, the three tests that set the maximum you may borrow, and what the loan really costs your account.

Work out the required minimum distribution from a traditional IRA or workplace plan using the IRS Uniform Lifetime Table, and project the distributions forward.

Simulates thousands of retirement drawdowns with volatile returns and reports the whole percentile band, not just a success rate. Same inputs, same answer.

Finds the cost of one more unit, from two production levels or from a cost curve, and shows where marginal cost crosses average cost.

Works out the gross bonus or relocation payment needed to leave an exact net, by the flat supplemental rate or by walking the tax brackets.

Works out how much renters insurance cover you need: contents from a room-by-room inventory, replacement cost against actual cash value, liability and the deductible.

Works out compa-ratio and range penetration from a salary and its pay band, shows which quartile the salary sits in, and what a raise does to both numbers.

Monthly cost of a commercial lease with CAM, tax and insurance pass-throughs, the load factor between rentable and usable space, and the effective rent.

Turns the parts of a Chapter 13 plan into a monthly payment, or a payment you can afford into the dividend unsecured creditors receive, with the trustee fee grossed up.

Solves a bond's yield to maturity from its price, coupon, face value and term, with the current yield, the yield to call and the price-yield curve.

Prices a T-bill from its quoted discount rate and returns the discount rate, the money market yield and the Treasury investment rate side by side.

Margin per box from goods, packaging, shipping and payment fees, then churn-adjusted lifetime value against acquisition cost, which is the number that decides it.

Prices a second home loan with its higher rate and down payment, prorates the mortgage interest deduction across the shared debt cap, and runs the rental-use test.

Works out a couple's retirement number with the survivor case, two retirement dates and a horizon that runs to the second death rather than the first.

Post-judgment interest to any date, at the statutory rate you enter, simple or compounded, with partial payments applied to interest first.

Turnover rate from separations and average headcount, annualised, split into voluntary and involuntary, with a separate costing of what a replacement takes.

Debt yield from net operating income and loan amount, sized against loan to value and debt service coverage so you can see which of the three tests binds.

Works out days payable outstanding from payables and cost of sales, then sets it beside days sales outstanding and days inventory in the cash conversion cycle.

Estimates what a website costs to build from its pages, features, CMS and store, then sets that one-off price against hosting, licences and maintenance every year.

Turns a title lender's monthly fee into an APR, totals the fees across every rollover, and shows how much vehicle equity the title puts at risk.

Works out the profit on a house flip from the purchase, rehab, monthly holding costs, loan and selling costs, with the return on cash and the 70% ARV rule.

Puts two or three car finance offers side by side on the same vehicle, including the dealer choice between a subsidised low APR and cash back.

Works out simple and discounted payback from a cash flow series, interpolating the part year, with the running balance for every period and a verdict against your cutoff.

Crosses linear supply and demand curves to find the market price and quantity, with consumer and producer surplus and the effect of a tax or a price control.

Works out a year of credit card cash back from your own category rates and caps, compares a fee card against a no-fee one, and spreads a sign-up bonus over year one.

Projects a 529 college savings account forward, sets it against what college will cost by then, and prices what the tax free growth is worth.

Prices a metered utility bill on tiered block rates, separating the fixed charges so the true marginal cost of the next kWh, therm or gallon is visible.

Compares keeping a house as a rental against selling now and investing the proceeds, over the years you would hold it, with the cost of being a landlord included.

Splits rent between housemates by room size, by income or by the nights each person is there, with names kept and the odd cent given to somebody.

Prices a seller financed note from the seller's side: the monthly payment, the balloon, the interest you earn on it, and what a note investor would pay for it.

Works out the Kelly stake from the odds on offer and the probability you think is right, in decimal, American or fractional form, with fractional Kelly and the growth rate.

Turns hours worked into full-time equivalents at your own full-time week, converts a headcount to total FTE, and applies the ACA 30-hour rule separately.

Equipment loan payments, and a loan set against a $1 buyout lease and a fair market value lease after tax, with the interest rate a lease quote never shows you.

Sizes a bridge loan against the equity in the home you are selling, then shows the interest-only payment, the balloon, the fees and the cost of carrying both homes.

Break-even units and revenue from fixed costs, price and variable cost, with the contribution margin, the margin of safety and the volume a target profit needs.

Run both phases of a deferred annuity: what a premium and its contributions grow to, and the fixed-term income that pot then buys.

Payment on an SBA 7(a) loan, with the guaranty fee from the statutory schedule, a base rate plus spread you set yourself, and the 10 and 25 year term caps.

Projects a mutual fund with the expense ratio and any sales load taken out, and shows what those fees cost against the same fund charging nothing.

Monthly payment on a home loan with principal, interest, tax, insurance, HOA and PMI, showing the month the mortgage insurance falls off and what it costs until then.