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# 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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### Calculating Interest Accrued for a late payment

I'm trying to calculate the interest accrued on my amortization schedule manually. I can calculate it fine if payments are exactly one month apart but this payment is More than 1 month apart. This ...
249 views

### How to compare the value of a Masters to the cost?

I've recently been accepted to a masters program through a not-for-profit that partners with a university. I'm attempting to measure the value of the cost against my expected increase in earnings (and ...
5k views

### Paying extra on a mortgage. How much can I save? [duplicate]

Can I pay \$12,000 extra once a year or \$1000 every month - which option is better? The first option does sound better, but for a 30 year mortgage, is it that significant? The mortgage is for \$527,...
2k views

### Is portfolio beta truly just the weighted average of stock betas? If so, is there a way to distinguish betas based on composition?

For instance, assume you have three portfolios. Portfolio A is 100% invested in a market index with β=1. Portfolio B is a 50/50 mix of two stocks (Stock A β=1.5 and Stock B β=0.5). The weighted ...
804 views

### What are “trailing 12-month total returns”?

In a blog post about momentum strategy, I have read the sentence At the end of each month, compare the trailing 12-month total returns of U.S. and foreign stock markets. What exactly are "...
116 views

### Why does this retirement calculator calculate ROI on only half of my savings?

I plugged some example numbers into the early retirement calculator at Networthify: a \$50,000 annual income, \$15,000 of annual expenses, and a starting net worth of \$100,000. I’m confused about one ...
109 views

### Unrealized Profit & Loss for Non-Stock Securities

I have several records of various transaction types (buy, long, short, cover...) on various asset types (stocks, bonds, options, futures...). I am looking for a way to calculate the unrealized P&...
41k views

### Daily interest calculation combined with monthly compounding: Why do banks do this, and how-to in Excel?

I often see banks advertise (for accounts with fixed yearly interest, let's say 1.5%) – "interested is calculated daily, and compounded monthly". I have 2 questions: Why are they calculating ...
2k views

### How to calculate average drawdown of a trading system?

Let's say that I'm trying to evaluate a FX trading system. I know how to calculate the largest drawdown during a period of time, but how can I calculate the average drawdown or the average largest ...
29 views

### TI BA 2+ Annuity Calculation

What is the present value (or purchase price) of an annuity product which will pay you \$2,500 at the end of each year for the next 14 years? Use a discount rate of 9.75%. My calculator (TI BA 2+) is ...
725 views

### Calculate investment's interest rate to break-even insurance cost [duplicate]

Let's say I want to buy a house that costs X, and that I have 20% of X to put as a down payment. But I could put only 5% of X down and I would have to pay a 3.26% insurance premium on the mortgage ...
282 views

### Why is “1” subtracted in the formula for nominal risk-free rate?

Nominal risk-free rate = (1 + risk-free rate) x (1 + rate of inflation) - 1 Why is one being subtracted at the end?
665 views

### Calculate the Loan Amount for a given Monthly Payment where the Balloon Payment is a Percentage of the Loan Amount

I'm trying to calculate how much you can borrow for a given monthly payment, including a balloon payment, where the balloon payment is given as a percentage of the final loan amount. The calculation ...
5k views

### calculating investment principal after monthly withdrawals

I am trying to find a formula for calculating the annual or quarterly principle remaining in a compounded interest investment account with no additional investments but with monthly withdrawals. ...
101 views

### Determining the interest rate necessary to retain a certain balance after sixty monthly withdrawals [closed]

I have seen many examples online for "Time Value Money" and "sinking funds". I want to know how I can combine any type of solver in the PMT-PV equation? Because all these examples have known FV, PV, ...
153 views

### How do these inflation figures make sense?

In trying to find annual inflation for the UK, I came across this page: http://www.rateinflation.com/inflation-rate/uk-historical-inflation-rate I don't see how the annual inflation rate to the ...
291 views

### Allowed roommate to make a purchase on my credit card. How do I calculate her interest?

On Nov 5th my roommate had a medical emergency for her cat. The bill totaled \$1097.46. I was with her, and we put the bill on my credit card with the understanding she would pay it back, including any ...
134 views

### What is the correct way to calculate the total amount that mutual fund fees will cost me over a certain time period?

The 3 methods below all have different results, and I'm not sure which is correct. Principle = \$1M Return: 7% Fee: 1% Time period: 3 years Method 1: (\$1000000 * 1.07^3) - (\$1000000 * 1.06^3) = \$...
82 views

### How do I calculate the long term Brokerage service cost for my dollar cost averaged investments?

I'm currently in the middle of comparing brokerage firms cost-wise. One brokerage firm charges its service fee based on an annual rate that is charged monthly. Since I want to employ dollar cost ...
12k views

### How to determine the final value of a U.S. Savings Bond at maturity?

Is it possible to determine the "final" value of a U.S. Savings Bond on its maturity date? The interest rate is fixed, the compounding periods are known (semi-annually for EE bonds), and the term is ...
675 views

### How to calculate multiple debt payments with additional lump sum and varying additional monthly payments

I'm attempting to create a calculator that I can use to try different debt repayment scenarios. If I have multiple debts with different rates I'm wondering what algorithm to use to figure out how long ...
38k views

### If I were to buy something a day before my due date for my credit card bill, would I be charged interest?

First of all, I am a resident of Canada. I am new to credit cards, so I hope my question makes sense. I've had my card for a few months ago and I've always paid the balance in full by the time the ...
253 views

### Car finance, APR rates and per week in adverts; help understanding them

Looking at a car advert [for a car I was considering buying in April 2008] but in the end I didn't - this was what the advert stated: 2005 TOYOTA COROLLA 1.4 VVTi 5 door hatchback £7195 From £38 ...
10k views

### Help me understand the oddity of percentage gains and losses?

If you start with \$100K, and you get a 50% gain, it's \$150K. Then, you get a 50% loss: now it's \$75K. Reverse the order (i.e. lose 50%, gain 50%), it's the same thing (a 25% loss). So, 50% up then ...
3k views

### Calculating interest for a loan made for a friend on a credit card

I have a credit card with a 16.5% APR. I had \$2500 on the card already. I made a purchase for a friend of \$3700, who has just paid me back after 11 months. How can I calculate the interest he would ...
6k views

### Google Finance: Input Parameters For Simple Moving Averages

I'm having some trouble understanding the simple moving average lines that can be added to a quote graph from Google finance. This related Stack Exchange question indicates that the only input ...
621 views

### How to calculate the monthly inflation rate from CPI?

I'm wondering how the monthly inflation rate is calculated from the consumer price index? Here you can find the monthly CPI data from 1913 - 2016: https://fred.stlouisfed.org/series/CPIAUCNS From ...
470 views

### Calculating the number of years before an investment with increasing savings reach a certain value

I want to calculate the number of years required before an investment reach a certain value assuming increased payments. Ignoring the increase of payments, I can calculate using NPER (Google Sheets, ...
92 views

### How to calculate a forecast [closed]

I've been looking around to know how to calculate a sales forecast for sales generated. Not profit/loss; only sales made. Oracle's calculation shows some examples but I'm not sure if that's the ...
277 views

### How to retroactively calculate what the return on an investment in an index fund with monthly contributions would have been

If I had invested \$1000 on 1/1/2000 in the S&P500 and each month I invested a further \$1000 in to the same fund for 10 years, how would I calculate the return on investment I have made, accounting ...
144 views

### How do you calculate the RRR on a portfolio given component returns?

Imagine you invest in the following stocks: \$11,600 of A, \$7,800 of B, \$14,900 of C, and \$3,200 of D. The required returns on these stocks are 10.7%, 15.4%, 3.9%, 9.1%, respectively. What is the ...
142 views

### How to calculate the compound interest for the following scenario

Mr A plans to invest 100000 every year for 15 years (he will withdraw money at the end of 15 years) and is expecting a return of about 12%. I know the FV function of excel but how to use it ?
95 views

### How is minimum payment calculated for this daily amortized loan?

I'm trying to figure out how the bank calculated the minimum payment for a personal loan. Starting Principle: \$6,800 Interest Rate: 13.750% Loan Term: 36 months Payment Frequency: Monthly Start Date: ...
472 views

### How much should you save if you want to receive \$100M each year?

This is the problem I have to solve: Assume you are 30 years old right now. You believe you could save for the next 20 years, i.e., once you have 50 years old. For the next 10 years, and until your ...
26k views

### How to calculate the closing price percentage change for a stock?

When viewing a stock on Yahoo Finance: http://uk.finance.yahoo.com/echarts?s=ASC.L#symbol=asc.l;range=1d;compare=;indicator=volume;charttype=area;crosshair=on;ohlcvalues=0;logscale=off;source=...
108 views

### Compute average price even if I do not have the prices before

I want to know how much my average price will be after I buy a stock. The problem is I do not have the records of how much I bought the stock before. What I do have is this (sample only): Stock X: ...
357 views

### How do I calculate the percentage interest rate based on the monthly payment in a savings account?

I had 189,349.16 in my bank and my bank gives profit every month. I got 356.68 Rs profit this month. How do I calculate percentage of interest on this money?
2k views

### Calculating Future Value: Initial deposit and recurring deposits of a fixed but different Value

Following scenario: I open a savings account and I deposit 1,000 USD. Now, every year I deposit another 100 USD. The interest rate is 5%. I want to know how much money will be on that savings account ...
1k views

### Why didn't the balance go down on the student loan after a big check?

I owed about 45k on student loans. I wrote a check for around 10k to get the balance down. What I expected to happen was, for the balance to go down more than 10k, because that 10k would no longer ...
106 views

### Calculate money owed on shared loan

I am in an interesting situation that I am looking for help with. I went to college a number of years ago, as did my brother. My mother had two student loans (one for each of us) and a few years ago,...
1k views

### How does a monthly inflation rate work?

I'm struggling to understand the following inflation numbers for South Africa given here: http://www.tradingeconomics.com/south-africa/inflation-cpi Year Month Inflation 2015 Jun 4.7 2015 Jul ...
2k views

### “Rule of 72” For Higher Multiples?

The rule of 72 states that if I earn n% interest, I can divide 72 by n and get the approximate number of years that I'll double my money. Suppose that I wanted to find out how many years to quadruple ...
12k views

### What is the equation for an inflation adjusted annuity held in perpetuity?

What is the equation relating an initial investment, a fixed rate of return, an inflation rate, and a perpetual payment adjusted for that inflation rate?
1k views

### Is there a dollar amount that, when adding Massachusetts Sales Tax, precisely equals \$200?

I am confused about calculating Massachusetts Sales Tax (6.25%). Is there such an amount, that when added to its sales tax, equals \$200? The reason I ask is because my business has been charging \$...
4k views

### How can I calculate a “running” return using XIRR in a spreadsheet?

I should say that I'm not married to XIRR, I just want to calculate the return on a running basis in a column next to dates, deposits and balances. Here's a screenshot of a simplified spreadsheet in ...
492 views

### How do I determine how long it will take to pay off my all my loans?

Right now I have a spreadsheet with the loans I have, the interest rates the are each at, and how much I am putting toward each in monthly payments. I then calculate how long each loan will take to ...
6k views

### Loan repayment calculation and monthly compounding interest problem

I need to write a mock up application that returns a quote to potential borrowers. The specification says that "The monthly and total repayment should use monthly compounding interest". Program ...
6k views

### How to calculate the number of months until a loan is paid off (given principal, APR and payment amount)?

Does anyone know what formula they use for this When will you be debt-free? calculator? I want to put it in a Google Spreadsheet, but I can't find a payments-to-debt-free formula using my Google ...