Finance

Turns a rebuild cost into the full set of homeowners limits: Coverage A, then B, C and D as shares of it, with liability kept separate and the contents and loss-of-use figures tested.

Works out the cost of equity three ways: CAPM, the dividend growth model, and a bond yield plus a premium, then shows the spread between them and what each implies for the share price.

Splits a deposit into staggered certificates, shows what each rung is worth at maturity and gives a blended yield worked out as an internal rate of return.

Paste a run of annual figures and get the growth from each year to the next, the total change and the compound annual rate that connects the ends.

Weighs a student loan refinance rate saving against what it ends: income-driven repayment, PSLF credit and the balance that would have been forgiven.

Works out the new average cost per share after you buy more of a holding, with the break-even price and the gain it would take to get back there.

Finds the payment at which a loan reaches 80% and 78% of its original value, the midpoint termination date, and what extra principal moves.

Price a temporary 2-1, 3-2-1 or 1-0 mortgage buydown: the escrow the seller funds, the payment in each bought-down year, and what it climbs back to.

Work out click-through rate from clicks and impressions, find the clicks a target CTR needs, and test whether two versions really differ.

Set your monthly take-home pay against every expense category, see the surplus or shortfall, and compare the result with the 50/30/20 split.

Splits a bill that does not divide evenly: each person pays for what they ordered with tax and tip shared in proportion, or the total is split by uneven shares.

Apply a named, published spousal support guideline to two incomes and see every step of it, or run all five side by side to see how far apart they land.

Commercial truck finance with a balloon residual, terms out to 120 months, the payment expressed per mile, and the first year write-off on the purchase.

Shows how an indexed universal life policy turns an index move into a credited rate through participation, spread, cap and floor, and what the charges take.

Estimates what it would cost to rebuild your house from a local per square foot rate, and measures the dwelling coverage on your policy against it.

Works out what a renovation loan lends against the after-renovation value, and weighs the equity a project creates against the interest borrowing for it costs.

Finds the monthly payment on a loan amortised over a long schedule but due years earlier, and the lump balloon balance left owing on that date.

Works out the monthly payment on a balloon mortgage, the lump that falls due at five or seven years, and what refinancing that balance at a new rate would cost.

Projects a 403(b) balance at retirement from your salary, deferral rate, employer match and expected return, and applies the age 50 and 15-year service catch-ups.

Turns your own weekly spend per adult into a monthly and yearly grocery budget for the household, counting teenagers and children separately.

Runs an asset through straight line, declining balance, double declining or sum of the years digits, and prints the full year by year schedule.

Works out the interest paid between any two payment numbers on an amortising loan, or across one year of it, with the principal and balances alongside.

Works out the loan to value ratio on a car loan, the balance measured against what the vehicle is worth, and shows the negative equity and gap that sit above it.

Converts a nominal interest rate and a compounding frequency into the annual percentage yield, runs the conversion backwards, and compares two accounts side by side.

Work out the profit on a share trade from the shares, both prices and the commission on each side, with the break-even price and the return per year.

Add up a drawer of cash by entering how many of each note and coin you have, and see how many bank rolls the coins make and what is left loose.

Project what a house will be worth at an appreciation rate you choose, or find the yearly rate a home you already own has grown at, with or without inflation.

Customer lifetime value under three named models: subscription churn, a fixed horizon, and the retail order formula, each with the LTV to CAC ratio and payback.

Converts basis points to percentages and back, measures the gap between two rates in basis points, and prices a fee quoted in bps on a balance.

Works the 457(b) rules a 401(k) does not share: the three-year special catch-up, and taking money out with no 10% penalty once you have left the employer.

Works out the interest a student loan builds up in school and grace, what capitalises onto the balance, and how a single payment splits.

Shows the rent your income supports under the 30 percent threshold and under a landlord's 3x income rule, and checks a listing you have already found.

Elasticity from a before and after price and quantity, by the midpoint method or from the starting values, with the revenue either side of the change.

Costs a hard money loan as one is actually written: origination points, interest-only payments, a minimum interest guarantee and a balloon at the end.

Prices a European call or put with the Black-Scholes-Merton model, returns delta, gamma, vega, theta and rho, and solves backwards for implied volatility.

Payment on a fixed rate second mortgage running behind a first, with the two payments added together, the combined loan-to-value and the blended rate.

Splits a sale commission between the listing and buyer sides, then through a referral, a brokerage split and a transaction fee to the agent's cheque.

Splits an amount in proportion to shares or units, or over part of a period, with the parts cut to whole cents that still add to the total.

Profit and loss on a futures position from the contract multiplier or the tick value, with commission, notional value, leverage and return on margin.

Compares an accelerated biweekly schedule with monthly payments on the same loan: the payoff date, the time cut off the term and the interest saved.

Works out an aircraft loan payment, including the balloon these notes often carry, then adds hangar, insurance and fuel to give a cost per flight hour.

Return on a rental across the whole time you hold it, with the profit split into cash flow, appreciation, principal paid down and the costs of the deal.

Monthly payment on a swimming pool loan with the pool's running cost carried alongside it, or the project a monthly budget supports once upkeep is taken out.

Net present value of a series of cash flows at a discount rate you choose, with the present value of each period, the profitability index and discounted payback.

Compares the lump sum against the annuity on a lottery jackpot: cash option, the graduated payment schedule, tax at a rate you enter and the break-even return.

Works out LTV, CLTV and HCLTV from a property value and the liens against it, and what it takes to bring a balance down to a target ratio.

Gearing from debt and equity: the debt to equity ratio, capital gearing, the debt ratio, net gearing after cash and interest cover.

Payment and interest on a farm loan paid once or twice a year instead of monthly, with the debt service per acre on farmland and the balance at a balloon.