# 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.

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65 views

### Not understanding the calculations done in the book

I was reading "The Intelligent Investor by Benjamin Graham" and came across a series of calculations that I'm not getting as to how it has been arrived at. I'm quoting the entire text from ...
81 views

### IRR calculation with Initial Investment disbursed on two years

In my case, I think: Numbers say more than words. So, I've simplified the financial situation in this image: Here is the Excel file. How to calculate the Internal Rate of Return (IRR) with such a ...
67 views

### When calculating NPV, why is it wrong to increase the discount rate to compensate for risk?

I am calculating the Net Present Value (NPV) for my investments. I used a higher discount rate for the more risky investments. However, the "Common pitfalls" section of the Net present value ...
64 views

### Calculating interest and Principal Paid using TI-84

How do I calculate the net quantity of interest on a loan, and the net quantity of the principal on the loan, that I have paid off after a given number of payment periods in the finance app on a TI-84 ...
2k views

### Inflation and the current value of my dollar

I am trying to figure out the value of my \$100 with a hypothetical 2% constant inflation rate after 30 years. Here is the scenario: suppose I have \$100 that laying under my bed and the hypothetical ...
55 views

### Find ending balance given return rate and amount added each year

If I have an investment that grows 10% per year, and every year I add an amount, is there a formula that can be used to find my ending balance after n years? The following demonstrates this: year 0: ...
25 views

### Interpreting bank's calculation of interest: gross, net, and what the bank pays

I cannot understand how my bank calculates the interest. Here is what the system shows when I invest 175,000 pesos (it's small money in dollars): Investment instrument: PAYMENT AT MATURITY Investment ...
64 views

### How to calculate a loan constant payment (like PMT) but extra double paying (without interest) twice a year

This is my first post in this community, already tried to find my answer, and didn't succeed :(. I'm working a way to understand the formula behind a loan that allows the client to extra pay the same ...
45 views

### Question about calculating wash sales across multiple orders

How do I handle the accounting of my wash sales? I bought AXP in 3 different orders, all purchased within 5 days of each other: 100 @ 122 100 @ 100 100 @ 76 I sold all 300 @ 102, and then ...
63 views

### How is interest calculated on P2P lending?

I invested 102ā¬ on a P2P site on a business loan. Here are the details of the loan: Issue date: 18.01.2020 (DD//MM/YYYY date format) Maturity date: 18.03.2020 Interest rate: 13% annually. I ...
85 views

### Why we need to substract one period when calculating Present Value?

The question is: Grandparents are funding a newbornās future university tuition costs, estimated at \$50,000/year for four years, with the first payment due as a lump sum in 18 years. Assuming a 6% ...
34 views

### Calculating relative performance of a short trade

This may seem incredibly simple, but I just can't get my head around it. Example: I make a short trade and the stock falls by 20%. During that period, the index falls by 10%. Have I made a +10% ...
121 views

### Formula to compare the potential earnings of buying the same stock at different prices

If I want to buy an index fund, I could buy it today at the current price, or I could setup a limit order and try to buy it at a lower price. Obviously it's better to get it at the lower price, but ...
43 views

### Principle and interest calculations [closed]

I have a loan at 5%, I know the total owed and the monthly payment and need aschedule giving me the interest and principle paid each month until paid in full. Where can i find a schedule calculator ...
53 views

### Is appreciation added to the “cost of investment” when calculating ROI?

If I buy a rental property with \$100,000 in equity and every year it appreciates \$5,000, has a net income of \$5,000 and has principal paydown of \$5,000, how would I calculate my ROI at the end of year ...
51 views

### How to calculate mean annualised returns

I am trying to calculate the mean annualised return for a fund using historical monthly returns but I am having difficulty in finding an appropriate method to do so. Many studies have used mean ...
55 views

### How to calculate stock return

Is there a formula to calculate compound return of a given stock, taking into account dividend and reinvestment? For example, a stock which returns 5% yearly plus a 3% annual dividend (paid every ...
37 views

### Is an online “savings withdrawal” calculator a reasonable model for retirement investment draw downs?

I want to calculate a two-phase retirement, with Phase I being the period prior to filing for Social Security retirement benefits, and Phase II being the post-filing period. Is it reasonable to use ...
72 views

### How to calculate repayments in order to pay off a personal loan by a certain date?

I have a small personal loan (\$3000 remaining). The current interest is about 15% (per year???, charged monthly) but I also have to pay a monthly service fee (\$10). My current weekly repayments are ...
28 views

### Enhancement of the open source lib for calculation of IRR (internal rate rate)

I am cs student , and has been asked to enhance the documentation for open source lib finance.js for IIR (internal rate of return) for various industry Here I am trying to calculate IIR for the ...
77 views

### How does the Positive Volume Index (PVI) formula work?

I'm completely new to calculation of trading indicators and I can't understand this PVI formula: PVI = {yesterdayās PVI X [(todayās CP ā yesterdayās CP) Ć· yesterdayās CP]} + yesterdayās PVI If I ...
289 views

### How To Calculate Daily Volatility?

I'm working in SQL Server and I'm trying to find the daily volatility of a stock's price. Is it simply day2price/day2price-1? Is that considered daily volatility? Or, is there something else to it? ...
128 views

### What formula can I use to calculate compounding interest with recurring investments?

Assume I am saving X dollars per year every year, and every year I earn 10 percent on what I saved the previous year. e.g. if I am saving 100 dollars every year I would see the trend: 100, 210, 331, ...
80 views

### Calculate percent of goal where start is not zero

How would I calculate the percent to a goal between two numbers where the starting number is not zero? for example: purchase price = \$10 target price = \$80 current price = \$61 What percent to \$80 ...
81 views

### Online portfolio return calculator [closed]

Is there a online calculator where I can punch in ETFs that I want in my portfolio and it shows the return over time? I want to add GLD, VOO, VGT to see what my return would have been and then ...
5k views

### Would the minimum payment or full CC amount be considered monthly debt?

Based on Is rent considered a debt? The question of: What is your total monthly debt payment (e.g. student loans, vehicles, credit cards, personal loans, etc.)? got me thinking. If you rack up \$...
262 views

### How do Ontarians calculate optimal RRSP contribution?

Pls see my dad in Ontario's facts. He maxed out his TFSA, and his annual pre-tax income (henceforward "APTI") is \$50K. CRA website shows his 2019 RRSP deduction limit is \$100K. If I ...
66 views

### Profitability of Holding a Loan from Issue to Maturity

The loans that I invest in pay a fixed amount of money per month. A portion of it is principal and another portion of it is interest. As the loan matures, a smaller proportion of each payment is ...
88 views

### Does the amortizing payment on a loan depend on whether interest is calculated daily or monthly?

Assume two banks offer a \$100,000 mortgage at 6% annual interest for 30 years with payments due monthly. One bank assumes each month has 30 days. The other bank uses the actual number of days in ...
150 views

### What is an appropriate metric measure average annualized rate of return for an average investor?

Let us say an investor invests \$X per year for N years. Let us say the final portfolio value is \$Y. In this scenario, how should I measure a metric that quantifies "average annualized return"? I ...
156 views

### Formula for retirement withdrawal amount same as principal decreases

I created a retirement calculator The idea is if you save enough you can so when you withdraw say 4% you don't eat too much into your savings. But based on my calculation 4% of 500000 is \$20k but ...
352 views

### \$100 divided by 3: What happens to the \$0.01? [closed]

Frustrated with the current bookkeeping app I use, I've decided to start making my own with the intent to publish it. While I was on it, one thing that was immediately apparent is what happens to ...
65 views

### What is the formula to get the Interest percentage from Interest Rate?

What is the formula to get the Interest percentage from Interest Rate? Given : Principal Amount : \$1000 Interest Rate : \$1 / Month Number of payments : 10 What is the formula to fetch the ...
74 views

### Calculate the deposit on a loan when the monthly payment, interest rate, and balloon are known

I am looking into PCP finance for a car and I have found estimates where I enter a term and a deposit, and am given a monthly payment for the loan. Some sites (BMW for example) will let you enter a ...
170 views

### How should I calculate how much my money is _grown_?

I invest in multiple streams - equities, mutual funds, bank deposits etc. Depending on the asset class, my rate of return is different, naturally. Some asset classes generate higher ROI (with higher ...
113 views

### How does a bond's coupon rate differ from its market yield rate?

I'm trying to understand how bonds work and am confused by coupon rate vs market yield rate. Suppose company Foo issues a bond with a face value of \$1 million, a 4% annual coupon rate payable semi-...
420 views

### How to calculate the return from a mutual fund?

How do I calculate the return from a mutual fund invested as a monthly SIP of Rs. 5000 over a period of 3 years at a return rate of 20.4% per annum? The projected amount for the same is calculated by ...
585 views

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 ...
137 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 ...
100 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. ...
67 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 ...
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 Ā£100,000 into an APR calculator on MoneySuperMarket with a 20% APR for ...
365 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 ...
292 views

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

Iā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 ...
181 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. ...
82 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 ...
542 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 ...
485 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://...
716 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 ...