Finance

FIRE stands for Financial Independence, Retire Early. Works out how many years of saving separate you from the point where investments cover your spending.

Dividend income from shares, price and yield, a year by year projection with reinvestment, and the payout ratio from earnings per share.

Works out one billing cycle of card interest from the daily periodic rate, and shows how much of a single payment is swallowed by that interest.

Works out a commercial property loan payment over a long amortization, the balloon left when the shorter term matures, and the debt service coverage ratio.

See the larger loan a cash-out refinance leaves behind: new balance, loan-to-value, the new payment and what the released cash costs over the term.

Builds the full amortization schedule for a car loan, listing every payment with its interest, principal and remaining balance, or one line per year.

Cash down a car deal needs once sales tax, dealer fees and a trade-in that may still carry a loan are counted, or worked back from a target payment.

Turn an annuity balance into monthly income: for a fixed term, for a life you choose to plan to, or at a level that never spends the principal.

Estimate monthly and annual profit from a short-term rental, with platform and management fees, cleaning per stay, fixed costs and break-even occupancy.

Works back from the monthly payment you can afford to the travel trailer price it buys, after sales tax, dealer fees, cash down and a trade-in.

Projects a systematic investment plan whose monthly contribution steps up by a set percentage every year, or finds the starting amount for a goal.

Projects how a reverse mortgage balance compounds against your home value, and turns an available principal limit into a tenure or term payment.

Turns cost and selling price into a profit margin and a markup, and works backwards to the price a target margin needs. Two views of the same profit.

Splits a pay period into regular, time-and-a-half and double-time hours from your hourly rate, and totals the pay earned in each band.

Adds up what you own and subtracts what you owe, with a line-by-line breakdown of assets, debts and the change since your last snapshot.

A recast re-amortizes your loan after a lump sum and lowers the payment while keeping the original payoff date. See the new payment and interest saved.

Applies a lender's two qualifying ratios, housing and total debt, to show the largest loan a program allows and whether a specific loan would pass them.

Monthly payment and interest on a manufactured or mobile home loan, with lot rent in the monthly cost and a chattel loan set against a mortgage.

Split revenue into gross, operating and net profit using cost of goods sold, operating costs and tax, or work the same margins up from unit price and cost.

See the down payment, closing costs and total cash a home purchase needs, or turn the savings you already have into the price they would cover.

Shows the utilization ratio on each credit card and across all of them together, plus how much to pay down to reach a target percentage.

Work out advertising cost per mille from spend and impressions, or go the other way to find the cost or the impressions a CPM rate buys.

Finds the balance you would need invested today to reach a retirement target on growth alone, with no further contributions, and compares it to what you hold.

Net operating income divided by property value, with vacancy and itemised operating expenses, plus the value a target cap rate supports.

Project a 401(k) balance from the percentage of pay you defer plus your employer match, and see how much match you leave behind by contributing less.

Present value and future value of a single sum or of a level annuity, at any rate, term and number of periods per year.

Compares renting with buying over the years you would actually stay, counting mortgage, tax, upkeep, closing and selling costs against rent and invested cash.

Splits a month of rent for a move-in or move-out partway through it, using the days in that month, a flat 30 day month or a yearly rate.

Breaks down the interest on a loan: the lifetime total, the share of the amount borrowed, the first and final year, and the cost of a longer term.

Monthly payment and interest on a land or lot loan from the price and down payment, plus the balloon balance left when a short term ends.

Works backwards from an investment target: how long contributions take to reach it, or the annual return it would need by your deadline.

Estimate the cash left after selling a home once agent commission, closing costs, repairs and the remaining mortgage balance are paid.

Divide your monthly debt payments by gross income to get the back-end and front-end DTI ratios mortgage lenders check before approving a loan.

Builds a month-by-month payoff plan for up to four debts using the snowball or avalanche order, and shows how long it takes and what the interest costs.

Shows how long a card balance takes to clear on minimum payments alone, and what fixed payment you need to be debt free by a chosen month.

Add up buyer closing costs line by line, from origination and points to transfer tax and prepaid escrow, and see the cash you need at the table.

Estimate a car lease payment from the MSRP, negotiated price, residual and money factor, with the depreciation and rent charge shown separately.

Work out the car price a monthly payment or a share of your income can carry, with APR, term, down payment, trade-in and sales tax.

Monthly repayment on a business loan, plus the effective rate once an origination fee is taken out, and the balloon due on a short-term commercial loan.

Works out the monthly payment, total interest and total cost of a boat loan, either from the amount financed or from the price, down payment and sales tax.

Finds the annual percentage rate implied by a loan amount, its up front fees and its payment schedule, solving for the rate by bisection.

Find the monthly payment on a student loan over a fixed term, or work out how long a payment you choose takes to clear the balance and what the interest costs.

See what a starting balance and a monthly deposit grow to with monthly compounding, or find the deposit needed to hit a savings goal on time.

Convert pay between hourly, daily, weekly, bi-weekly, monthly and annual figures using your own hours per week and paid weeks per year.

Work out the monthly payment, total interest and total cost of a loan on an RV, camper or motorhome, from the amount financed or the sticker price.

Measure return on investment as a percentage, with net profit and an annualized rate that makes holdings of different lengths comparable.

Project what your savings grow to by retirement from a yearly contribution and an expected return, and see the nest egg a target income needs.

Compare your current loan with a new rate and term to see the change in monthly payment, the break-even month on closing costs and the lifetime difference.