Stack Exchange Network

Stack Exchange network consists of 174 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers.

Visit Stack Exchange

Questions tagged [calculation]

A generic tag to understand the calculations in a specific case. Please give out a sample illustration and ask a specific question. Ideally should also be accompanied by specific subject tags like "credit-cards", "savings-account", "index-funds" etc.

0
votes
0answers
46 views

Accuracy of salary calculator [on hold]

I was trying to compare my actual take-home salary to the one predicted by a salary calculator. The salary calculator overestimated the semi-monthly amount by approximately $100. Question. I was ...
2
votes
3answers
222 views

Please help me calculate interest on a loan

My Ex owes me $66000 and I need to give him a payment plan with 8% interest over 5 years. The monthly repayments need to tier roughly as follows (he's going to earn more in the 2nd and 3rd years and ...
1
vote
3answers
73 views

What would the formula for loan payoff with daily compounded interest and paid 5 days per wk?

I'm interested in calculating the impact of making payments on my student loans daily (5 payments per wk). For example my current loan is 50,000$ @ 5.05% interest compounded daily. The term of the ...
-1
votes
1answer
44 views

how to find flat rate of interest per annum and month if we have given reducing rate of interest or loan amount and tenure?

For example: For loan amount 500000 for 5 years at the rate of 12% (reducing interest rate), EMI is 11,122.22 per month Here 12% reducing is equivalent to flat 6.69% per annum or flat 0.55% per month. ...
0
votes
1answer
60 views

How to create an average of several unitized accounts?

I have a spreadsheet in which I track the unitized progress of three separate investment accounts (all made up of funds, bonds, etc). I think I'm using the Time-Weighted Return method described here ...
24
votes
3answers
5k views

20% APR means only 10% interest? (UK)

I am trying to get better grasp of what the APR figure means, so this example is purely hypothetical. I have entered a loan of £100,000 into an APR calculator on MoneySuperMarket with a 20% APR for ...
2
votes
1answer
90 views

Building Marcus Savings Calculator in Excel

I'm trying to do some analysis in Google Sheets which involves putting money in Marcus' High Yield savings account. For some reason, I can't seem to get my numbers to match the values from their ...
2
votes
2answers
179 views

What is the formula for calculating how many mortgage payments remain after variable extra payments?

I’m looking for a Wolfram Alpha equation to put in my rate, loan term, principal remaining, and monthly payment (and anything else) to solve how many payments I have left. All I seem to find are ...
0
votes
1answer
33 views

Calculate ROI over multiple trades

I'm looking for a formula to calculate my over all return based on N trades and avg return per trade (R). Let's say: My average return per trade (R) is 5% and the number of trades (N) made are 100. ...
0
votes
1answer
77 views

Simple Interest calculation on rent of specific period till date of payment

Hi I have to calculate simple interest on Rent of Rs.10,000 @6%. There are two parts to my problem. Calculation of simple interest on rent amounts due for 41 months progressively i.e. as rents keep ...
3
votes
3answers
176 views

How to know how much money was paid, and how much was spent paying off interest

I would like to buy a car, and found out about the 20/4/10 rule today. I definitely have more than 20% downpayment saved up, due to that I am not concerned with the 20 part. I am more concerned about ...
2
votes
1answer
66 views

Is their a formula for calculating Future Value of a series of payments with monthly deposit but annual compounding?

Exactly as the title suggests Is there a formula for the future value of monthly payments with annual compounding? Perhaps approximating the outcome achieved by the following calculator? https://...
2
votes
2answers
108 views

What is the formula for loan payoff date?

My goal is to calculate loan payoff date. Actually I'm making a wordpress plugin to calculate that. I made a form from I can have following inputs from user. Current Loan Information Original ...
1
vote
2answers
49 views

How do you calculate the rate in the present value of an annuity due calculation?

I have the formula for calculating the present value of an annuity due I have the Present value now, so I want to solve for r. In other words, I would like to find out the resultant rate. In the ...
0
votes
1answer
75 views

USD stock investment with EUR base currency

I can't wrap my head around this: In late 2011 I used EUR to purchase stock valued in USD. Dividend yield aside, the stock advanced a lot. However, EUR/USD also changed quite a bit. I am ...
1
vote
1answer
80 views

CAGR and Dividend Yield

I am brand new to this, but am looking for some guidance when it comes to calculating the estimated FV of an investment in stocks with dividends reinvested in the same company. I'm going to be really ...
-1
votes
2answers
74 views

How do I equally disburse appreciating assets over a fixed timeframe?

First, I apologize if the title is confusing or if there is a better wording. I am unfamiliar with many finance terms, so there may be something accurately describes my problem. I am trying to ...
1
vote
1answer
155 views

Pay off student loans vs pay myself and try to get PSLF? (is my math right?)

I am trying to decide between paying off my student loans in 5 years vs attempting to quality for Public Service Loan Forgiveness (PSLF), which I could conceivably do in 5 years. My options are to 1) ...
4
votes
2answers
427 views

How do I calculate the benefit of contributing to 401K vs paying off consumer debt?

I have a ~$15,000 loan with a 6% interest rate. My company matches half of my 401K contributions up to 6%, and I am in a 25% tax bracket. I currently contribute 15% of my income to my 401K. How do ...
0
votes
1answer
34 views

How are net income and yield calculated for margin trading?

You have purchased 150 shares at 10 each. You expect to sell these at 15 each. You only managed to sell 100. Out of your initial purchase price, 400$ were borrowed. Brokerage fee= 2% for the ...
2
votes
2answers
62 views

Simpler way of calculating duration for bonds?

So the question is: Find the duration of a 6% coupon bond making annual coupon payments if it has 3 years until maturity and has a yield to maturity of 6%. What is the duration if the yield to ...
3
votes
2answers
43 views

Does sigma in Black-Scholes attempt to take into account future events?

I am learning basic information about Black-Scholes wrt options pricing. I see that the standard deviation of the stock price is taken into account. This seems to only rely on existing (historical) ...
1
vote
1answer
123 views

Best way to allocate money? Mutual Fund VS Student Loan

I am a 21 year old Canadian who is employed full time. I have no wife or kids nor do I own any property. I have no type of savings set up (investments, CPP, etc.). Each month I have 400$ leftover ...
1
vote
3answers
478 views

Growing annuity where cash flow grows per second year

I'd like help with a formula for calculating Future Value given the following: An amount is invested at the END of every year, starting with amount of PMT at the end of this year, at an interest rate ...
3
votes
2answers
74 views

How to Calculate a BiWeekly Repayment Loan?

I want to calculate the biweekly repayment loan. I have gotten the monthly using this formula (D) = {[(1 + i) ^n] - 1} / [i(1 + i)^n] Monthly Payment = Loan_Amount / D How can I convert this to ...
-2
votes
2answers
123 views

Is this incremental Saving Formula Correct?

I'm planning to save some money. I earn in Pakistani Rupees. At the time of posting 1Usd = Rs 123.12. I came up with an idea to save a certain amount each month and add additional 10% of the saved ...
0
votes
2answers
244 views

How much can I save if I don't own a car? A worked example comparing car to pension

I don't drive and I've never enjoyed driving. Moreover my eyesight is very poor and I fear I may be a danger on the road. However, some 'friends' and family don't get this, so I want to show a ...
0
votes
1answer
229 views

How should you calculate the average daily return on an investment based on a history of gains?

I started an Acorns account several months ago to use as a glorified savings account. I don't make contributions on purchases, but I contribute 10% of my paycheck to it every two weeks (Richest Man ...
1
vote
2answers
299 views

How do I convert a 4% per annum interest rate, compounded semi-annually, to a monthly rate?

Trying to develop a budget model in Excel. I know a prospective savings account makes 4% per annum, compounded semiannual. I'd like to know how much this means it earns monthly. Does it even earn ...
1
vote
0answers
55 views

Security Analysis (Ben Graham): LIFO question

I'm currently reading/studying Benjamin Graham's work in Security Analysis (1951 edition) on page 112 & 113 he demonstrates the difference between FIFO and LIFO. Table 10 shows the difference ...
9
votes
2answers
313 views

Time, money and probability: Should i sell my electric bike

I bought a second hand electrical bike for a very reasonable price (600 euro) more than a year ago. Since then i changed jobs and i now commute by car and the bike just sits in the shed. If I sell it ...
1
vote
1answer
62 views

Can I calculate an average annualised return from investments held for different lengths of time?

My question is: given a number of investments of differing amounts, held for different lengths of time, how would I calculate an approximate average annualised growth for the entire portfolio over its ...
5
votes
6answers
2k views

Formula for Cost of Potential Home from Monthly Mortgage

I'm trying to find a way to calculate the price of a home I can afford based on my potential downpayment, the monthly rent I can afford, and the interest of a potential loan. I've seen questions like ...
3
votes
1answer
119 views

HELOC Payment Haziness

I have been searching, reading, and watching youtube trying to understand HELOC. Everyone explains simple vs compound interest, daily average balance, and that money can go in and out at any time. ...
3
votes
1answer
124 views

Interest Rates and compounding periods

How can interest be compounded quarterly but with payments made on a monthly basis? Can you give me an example?
2
votes
1answer
119 views

How does Sallie Mae calculate its payment?

Short Version Can anyone figure out how Sallie Mae comes up with its personal loan payment amount? Long Version I have a friend who took out a personal loan with Sallie Mae, and their payment ...
3
votes
1answer
79 views

How can I calculate the annualised growth rate for an irregular investment?

I have a portfolio, which I invest in monthly. Depending on my circumstances, the monthly amount changes from time to time (perhaps every two years or so). I want to calculate the annualised growth ...
1
vote
1answer
82 views

Loan calculation with percentage [closed]

I want to know monthly payment with percentage. Let's say I took loan of $200 and I have to pay monthly for 5 months and amount pay back is $260. Over here $60 is interest. I could make out that I ...
0
votes
2answers
117 views

Am I being underpaid by my employer based on my contract?

I have a full time contract for $43.90 per hour, which was calculated to $91,300 annual salary. I am paid twice a month. We work a 9/80 shift, which means 9 hour days so we can have every other Friday ...
-1
votes
1answer
43 views

Calculate Plus 500 Spread payment

PLEASE ANSWER IF YOU ARE USING PLUS500 as platform so that it is easier to check at platform level. Please ask for more details in case you need before downvoting I am scratching my head around the ...
0
votes
1answer
363 views

Algorithm to calculate the Interest on Loan with a Balloon Payment

I am trying to understand the algorithm used by My Calculators.com - Balloon Payment Calculator If I enter the following details: Loan amount: 4556.75 Number of months: 5 Interest rate: 5.75% ...
4
votes
1answer
201 views

How can I calculate the difference between investing cash in a mutual fund versus using it to install solar?

I am a moderately experienced investor, but I have this one question that I have had a really hard time answering. What would be more profitable: invest in solar electricity, which I have calculated ...
0
votes
1answer
63 views

How do interest calculations differ between loans and savings? [closed]

At the bank or financial institute how are the interest calculation is different from loans and savings? Are they calculated the same way?
1
vote
1answer
233 views

How are CAGR and compounding frequency related?

I am newbie, so forgive me if my question seems trivial. I have a numerical where a bank scheme triples a person's investment in 5 years but it doesn't talk about the compounding frequency. Assuming ...
2
votes
2answers
134 views

How can I amortize 4 rates over a 30 year term?

I've been offered a HELOC modification with the following terms: Beginning balance $148,148.59, Initial rate and term is 1% for 60 months at a pmt of $374.60, The 2nd term begins Jan of yr 6, at 2% ...
2
votes
2answers
209 views

What is the math used to calculate the impact that overpaying a mortgage has an an amortization table?

I'm in the classic 'pay extra on the house vs invest' argument with my partner (not the subject of this question) and I'm trying to understand what exactly happens when I pay extra on a mortgage. I ...
0
votes
2answers
62 views

Determining percentage of property ownership on all cash transaction

I purchased my home in 2006, paying all cash. I owned 100% at this time. My sister wanted to buy into my home and we agreed that she would pay the remodel cost of the portion she wanted to alter so ...
4
votes
2answers
338 views

Including all the ultra-wealthy, what's the average income in the US? [closed]

The ultra-wealthy typically receive fairly little of their income as wages. Larry Page, Sergei Brin, Steve Jobs, Larry Ellison, and Mark Zuckerberg all receive or received no more than $1 per year, ...
-1
votes
1answer
78 views

How to calculate portfolio stock average?

I want to find out how to calculate stock average price. I understand how to calculate average when you are buying stocks, but I'n not exaclty sure how to calculate the average when you sell stocks. ...
1
vote
1answer
85 views

How to calculate APY interest rate from Normal interest rate

In one of the site I saw for 1% interest rate daily compounded interest the APY interest rate is 1.005003 ! How is this calculated I google a lot and didnt find how it is calculated !