# 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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### 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 ...
522 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 ...
880 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 ...
491 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 ...
143 views

### How do I calculate my average price for a share bought multiple times?

Let's assume below as my transactions: bought 10 at 120 bought 20 at 150 sold 15 at 170 What will be the average price of my holdings i.e., for 18 shares. Is it 110 ?
260 views

### What is the meaning of Volume factor?

I want to calculate T3 Moving Average. In order to calculate T3 Moving Average, it need Volume factor, But I don't know Volume factor. What is the meaning of Volume factor as a terminology of ...
12k views

### How to calculate the return over a period from daily returns?

If I have daily returns of my portfolio over a period (let's say January to December), how do I calculate the total return over the period or per month? What I did now is the following: Calculate ...
1k views

### Calculate a weekly payment on a loan when payment is a month away

I'm trying to calculate a payment on a loan given the standard P=r(PV)/1-(1+r)^-n formula. How do I factor in interest accumulated if the first payment isn't due for 31 days? For reference, interest ...
104 views

### Calculating profits for a private fund

I'm running a small private mini-fund with and for a small group of friends. We pool the money and I use it to trade securities on all our behalf. Profits/losses are realised both from capital gains ...
85 views

### Is there a better term that means “the amount subject to a commission rate”? [closed]

If you were building a commission report laid out like the example below, is there a succinct term or word that would work well for the third column? Employee Commission Type ??????????????? ...
152 views

### Should I pay for the whole year first or pay in monthly installments?

I have two options for getting a new internet connection. Option A - Pay 2500 for the router and then pay 500 at the end of every month for the next twelve months. Option B - Pay 6000 for both the ...
901 views

### 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 ...
250 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,...
898 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 "...
566 views

### How to calculate APR for a fixed rate loan due before amortization end date?

I need help with the following question for a homework assignment related to finding the APR for an investment class. Here's the question: Calculate the APR for a \$500000 fixed rate loan amortized ...
3k 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 ...
130 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 ...
126 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&...
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 ...
737 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 ...
302 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?
756 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 ...
6k 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, ...
156 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 ...
293 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 ...
136 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) = \$...
86 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 ...
258 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 ...
702 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 ...
2k views

### paying with cash vs. paying by loan and investing the money

I recently read an interesting idea in Robert Kiyosaki's book "Rich Dad, Poor Dad". His suggestion was that even if you have enough money to buy a car with cash, you would better get a loan, invest ...
520 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, ...
93 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 ...
286 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 ...
150 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 ...
7k views

### How do I calculate the principal paid down on a mortgage?

I'm looking for an equation to find out the current principal on a mortgage. I have the following variables: n periods monthly payment amount interest rate of mortgage I'd like to know how much I'd ...
148 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 ?
2k views

### Calculate time to reach investment goals given starting balance?

I'm sure this has already been asked, but I've had difficulty finding the answer by searching. Most investment formulas I've found explained don't include a starting balance. Given payment size, ...
481 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 ...
2k views

### If I earned 40 Social Security credits by age 40, do I get benefits regardless of work or income in the years after I earned the 40 credits?

If I earned 40 Social Security credits by age 40, do I get retirement and disability benefits regardless of work and income in the years after I earned the 40 credits? So for example: if by age 40 I ...
109 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: ...
388 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?
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 ...
110 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 ...
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 ...