# 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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128 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 ...
108 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 ...
127 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 ...
64 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 ...
603 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% ...
211 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 ...
73 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?
287 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 ...
138 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% ...
382 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 ...
68 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 ...
343 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, ...
130 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. ...
118 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 !
206 views

### Why do PEG ratio values calculated on different financial web sites differ from each other?

For example when I calculate the PEG of Microsoft (for the fiscal year 2017): For P/E ratio: P/E Ratio = Price per Share (last price before 10-k filing) / EPS (diluted) = 68.93 / 2.71 ...
2k views

Is it possible to weight the bid-ask spread? I'll explain ... In the moment, for a share X, to trade I use the price, volume, \$ volume, # trades, % chg and the bid-ask spread (BAS). To make day ...
151 views

### What would be my total saving with an increasing and regular yearly deposit after 30 years?

Let's say I deposit \$50,000 into the bank and in the first year I put in an installment of 5,000 and the interest is calculated monthly at 7%. In the second year, all is the same except for my yearly ...
3k views

### What is the formula for calculating the mortgage constant when payments are made at the beginning of the period?

In this case, the mortgage constant (or loan constant or debt constant) is the (in my case, annual) ratio of constant payments to the original amount, like here: http://www.double-entry-bookkeeping....
165 views

### How to compare loans of same principal, same interest but with different tenors

I have a scenario where there are 2 loans that can be provided (assuming I am providing the loan). The principal amount is the same, 30,000 in case of both the loans. The interest is also same at 17%. ...
4k views

### Compound daily interest with monthly deposits over x amount of years in excel

This is compound interest calculated daily and topped up with deposits every month e.g Begin with \$100, earn 2% interest earned daily even on weekends, and then come month end invest another \$100 on ...
255 views

### When does a work calendar-month start and end?

This question might sound stupid, but I am unable to find any answer to this. Suppose I am getting paid on 26th Jan, does that mean January started or ended on the 26th? I am building an app that ...
139 views

### Daily Interest Monthly Compounding Multiyear

I downloaded the Excel spreadsheet mentioned in the accepted answer to this question: Daily interest calculation combined with monthly compounding: Why do banks do this, and how-to in Excel? It was ...
117 views

### How to calculate the future expenditure of education :

Suppose the following: if a child's age is 2 years today and he/she will go to college at the age of 15 years for 2 years(duration of education) and for which Cost incurred P.A. as on today (Rs.) ...
813 views

### How to calculate return for “negative” investment

I'm tracking a few investments, with a simple formula for total (non-annualised) return, which is (current_value - money_invested) / money_invested. For one of my investments, however, I already ...
193 views

### Formula for Calculating Periodic Fixed Payments with Multiple Rate Changes

I'm trying to figure out how to extend the formula provided by Chris Degnen in this previous question What is the formula for the monthly payment on an adjustable rate mortgage? to add in a third ...
149 views

### Calculating gain percentage for 24h, 7d, 30d, 3m, and so on

When we see gain percentage numbers like: +7.01% (24h), -0.43% (7d), +31.33% (30d), and so on, how are they usually calculated? For example for the 7d period, is it calculated using: ([average price ...
291 views

### How to calculate worth of money N year ago from given inflation value

I want to calculate worth of money N years ago. Based on this post, it can be calculated using CPI, but I want to use given inflation value N years ago. It better if I can get reference(s) of formula ...
102 views

### How to pick from several products/services to maximize utility considering the cost of each option?

What is the proper way to consider the utility of a product/service versus its cost in order to make the best rational decision to get the "most for my dollar" if there are several choices for me to ...
54 views

### Implied appreciation of a currency

I have a very specific question in regards to a forward calculation. The USDEUR spot rate today is 0.759503. Libor and Euribor forward rates for the NeXT year are as follows: Fwd 3m Libor 0.00288 0....
3k views

### How to calculate car insurance quote

I'm trying something in related to Auto Insurance and when I went through the State Farm's insurance portal, it asked me for a couple of questions like below. Vehicle ownership Car Age Person's Age ...
352 views

### How to read WSJ US Treasury quotes

I am trying to understand how they calculated "asked yield". If anyone can explain it, I really appreciate it. I would like to see the mathematical formula and the calculation.
60 views

### How to model fees from trades on online platforms?

So stock exchanges like super trade or options express have thresholds for the way they price trades on their platform. So for instance, say for less than 100 trades it costs \$17 per trade, and then ...
64 views

### How does a “minimum number of items to be bought” factor into break even analysis? [closed]

Let's say I am trying to find out how long it would take me to break even with a business venture. My fixed costs are x (let's say \$20,0000) My Revenue per item sold is \$50 My variable cost is \$25 ...
385 views

### How do I calculate dividend growth rate if one of the years doesn't pay out any dividend?

According to http://www.investopedia.com/terms/d/dividendgrowthrate.asp , this is how I'm going to calculate dividend rate. Year 1 = \$1.00 Year 2 = \$1.05 Year 3 = \$1.07 Year 4 = \$1.11 Year 5 = \$1.15 ...
501 views

### equivalent monthly cost with multiple interest rates

Is equivalent monthly cost equal to equivalent annual cost divided by 12? Also, using the equivalent annual cost HERE, how would I change the formula for differing rates over the period of time. ...
1k views

### How to calculate the price of a bond based with a yield to Maturity, term and annual interest?

I'm trying to help my nephew with finance but I'm not sure if I fully understand if I have all the necessary details to answer this question. Here's the question: Say you want to purchase a 7%, 15yr ...
2k views

### Risk free rate formula breakdown

In risk free rate formula below why is 1 added on numerator and denominator and the value is substracted by 1 Rf = (1+nominal risk free rate)/(1+inflation) -1
122 views

### Why is the estimated monthly income state-dependent on CNNMoney's annuity calculator?

Why is the estimated monthly income state-dependent on CNNMoney's annuity calculator? Example: CA (376 USD) vs. IL (385 USD) Estimated monthly income: \$376 Estimated monthly income: \$385 I ...
107 views

### Converting interest rates

I have found a monthly interest rate, 0.72% Now, I would like to convert this monthly rate to: Equivalent annual nominal rate of interest payable half yearly, and Equivalent annual nominal rate of ...
833 views

### Excel calculating interest rate on loan

Not sure if this is the right place to ask this type of question, apologies if it isn't. I am following this explanation on office support to answer my own question. Using the values they use, what ...
57k views

### What is the correct answer for percent change when the start amount is zero dollars \$0?

Percent change is a very common calculation in finance. It helps us track growth. The formula is: [(y2 - y1)/y1] x 100 = percent change If the start period is \$0 (i.e. no money was made in the ...
3k views

### How can I calculate total return of stock with partial sale?

I have searched the internet for hours and still can't find the formula to calculate the Total Return in percentage with the below scenario. Bought 310 shares at \$3.15 brokerage \$19.95 Sold 200 ...
42 views

### How to calculate Stamp duty of North Territory in Australia?

Northern Territory Stamp Duty - General Rate Duty is calculated on the purchase price or unencumbered value of the dutiable property, whichever is the greater, as follows: Where the dutiable value ...
2k views

### What is the formula for calculating the total cost of a loan with extra payments towards the principal?

If I have a 30 year mortgage of \$200,000 with an APR of 4.446% I can calculate how much my monthly payment will be and how much the total cost of the loan will be. But what if I have an extra \$200 to ...
462 views

### Exchange rates - is my math correct here?

Using an online exchange rate calculator, and Numi (a calculator that does it as if it's written by hand, for Mac OS X) for my calculations, it says: 1 GBP in USD = \$1.32 1 USD in GBP = £0.76 Is ...
834 views

### Thorough Description of Yield to Maturity?

After some studies for the last month, I have encountered a concept that has just completely eluded me, and that is Yield to Maturity (YTM). Can someone explain the purpose and reasoning behind this ...
489 views

### Cost of Living Adjustment [closed]

I am looking for an entry level Electrical Engineering Job and have 3 current offers. Assuming benefit packages are close to the same, which one is better when taking into account the cost of living ...
52 views

### Average Price and Percentage Gain

I am finding hard to arrive at the average price when there is a sell happened at much profitable price partially Could you please advice me to arrive at the average price and the % gain for the ...