# 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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108 views

### Calculating long intervals of Interest

Small interval calculations is fairly straight forward. But what about long intervals. If a loan's daycount is set to Actual/Actual and the duration has run into two different DayCount intervals, how ...
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 ...
441 views

### Stochastic Oscillator for Financial Analysis

I have been using the stochastic oscillator indicator to get some insight on particular stocks. Below is an example of a 14-day lookup period for K where D is a calculated as a 3-day average of K. ...
458 views

### Hypothetical: can taxes ever cause a net loss on otherwise-profitable stocks?

Let's imagine a hypothetical situation: I start with \$100, and buy 10 shares of a company at \$10 each. The next day I sell the 10 shares at \$12 each. A week later, the price drops back to \$10 and ...
4k views

### How to calculate new price for reverse split?

I have the following position ABC 500 shares @ \$120.00 ABC is trading at \$15.00. \$60000 - \$7500 = -\$52500 ABC did a reverse split 1:5. An 80% decrease in shares. After the split, it is trading ...
1k views

### Adjusting a value for inflation each month using rolling 12-monthly inflation figures

I have a figure that I want to adjust for inflation each month. I have monthly values for the UK Consumer Price Index but these are each for the change over the preceding 12 months. If my base value ...
523 views

### Why SUM(PMT) is not identical to FV?

I'm exploring financial functions in a spreadsheet. When I use FV, which is based on FV = PV*(1+r)^n I get a different number than when using PMT and multiplying by the number of periods. For example:...
249 views

### Getting correlation from regression slope (Completely stumped)

This question is from a book (Active Portfolio Management), but unfortunately there are no provided solutions. "Assume that residual returns are uncorrelated across stocks. Stock A has a beta of 1.15,...
245 views

### Is it beneficial for me to refinance my house at a lower rate?

Is it advantageous for me to refinance my house at a lower rate? My loan has the following information: Primary Residential Home: Current Principal Balance* \$53,128.51 Current Interest Rate 4.125 % ...
689 views

In analyzing balance sheet of ExxonMobile, based off of Yahoo Finance report, we run into the following figures for the year: Current Assets: 51,647,000 Total Liabilities: 175,592,000 Now Current ...
830 views

### Calculating average interest rate with intermittent deposits

I invest in a few medium to low risk accounts online (peer to peer loans and buy to let property crowdfunding). I make regular deposits into these accounts, usually when the monthly salary comes in, ...
161 views

### Liquidity Balance Sheet

Should be or should we not deduct long term debt along with current liabilities from total current assets to arrive at current asset value per share?
1k views

### Formula to compute 10 year US governement bond price given yield

What is the formula to convert US govy 10 year yields (as those shown here) in to bond prices? I know in general the math looks like this but I don't know what the values of the variables are for a ...
158 views

### Steps to calculate reduction in spending vs. savings till retirement

I'm stuck and I I think it's an algebra issue. I have a typical what do I need to save (today) so I can retire question for the first part. Let's say you need \$1,239,926.43 in savings at retirement (...
825 views

### Cumulative Return between two dates

I have a table that carries data with cumulative return of some instrument. Data is described with start date, end date and cumulative return for date range (start-end): Start Date|End Date |...
319 views

### Gnucash: How to add up all charges on a credit card within a period

I have "Liability" account in Gnucash for my credit card. Each expense made using my card is shown there as "Charge", while each payment I made to the credit card account from my checking account is ...
5k views

### Getting compound interest calculation wrong but don't know why

Investopedia says that the formula for compound interest is Ic = P[(1 + rN) − 1] Which due to the Order of Operations can be heavily simplified to Ic = PrN (and I checked via Wolfram Alpha just to ...
39k views

### converting annual interest rate to monthly when compounding frequency known

Just like the title I'm looking for the formula to convert APR to monthly when I also know compounding frequency eg APR is 8% and being compounded daily what is the monthly interest rate I earn. Or ...
39 views

### looking for research tool to plug in and evaluate theoretical historical returns

I am just starting to invest. I would like to find a calculator to which I could enter, say, a monthly amount - perhaps \$100 - and put it into different classes of funds over arbitrary periods (say ...
3k views

### How do I calculate yield-to-maturity (YTM) with a simple handheld calculator for semiannual payments?

what is the formula for YTM for semiannual payments using handheld calculator ?? how can i able to calculate yield to maturity for semiannual bond payments with handheld calculator
964 views

### Unequal Loan Repayments

I am struggling with this question below. Present Value = 100000 Interest =12.25% per annum Number of months = 60 Payments =? Payments increase by 15% per annum. Calculate the PMT ...
473 views

### Can anyone help me understand my loan payment?

My loan was \$40500 for five years with 9% interest per year. I do not understand the total I would have to pay. I have been paying 700 per month since 2006 and it feels like I've been paying forever. ...
1k views

### Calculating return on a series of stock positions with multiple uneven transactions

How can I calculate the return on a series of stock positions with multiple uneven transactions that I can compare to the equivalent buy and hold return over the same period? Random Example: Starting ...
136 views

### Effective Interest Rate from bifurcated interest rate

Here goes, this is the scope of my question: Say I want to take out a credit card, that has 0% interest for 12 months, when at the 13th month, whatever debt is taken out on the card will be subjected ...
39k 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 ...
2k views

I buy 100 shares of Company A at \$10/share and one month later I buy 100 more shares of Company A at \$20/share. If one month later, I sell half of my shares how would I calculate my profit? I ...
364 views

### Pre- & post-tax calculations for comparing contribution amounts for traditional 401k vs. Roth IRA?

I currently have a rollover IRA which I no longer contribute to and a 401k which I currently contribute to. I would like a Roth account to be more diversified from a tax perspective. I currently put ...
2k views

### Division of Proceeds from sale of house

I bought a house ten years ago with a friend and I put down the 20% deposit. We have been fighting for years and recently decided to sell the house. We bought the house as joint tenants with right of ...
8k views

### Is the Social Security retirement benefit calculation based on the last 40 quarters, or overall?

Are Social Security payouts based on the last 40 quarters, or overall earnings? That is: If the last 40 quarters of my working career are lower than these past 40 quarters worth, how does this affect ...
3k views

### What is the formula for calculating the amount of money I end up with in a given period (salary and compounding effect)?

I'll give a concrete example (couldn't find a similar question): Let's say I have an amount of money M at time t = 0 (first month). Every month, I get a given amount (let's say constant) of R On my ...
175 views

### Could somebody explain Wikipedia's VAT example calculation to me?

Wikipedia example here. I could not understand why in this example ("With a value-added tax" subsection) the government charges 0.10 = \$1 × 10%, but not 0.11 = \$1.1 × 10% The manufacturer spends (\$...
153 views

### Average cost basis based on total shares held or specific shares sold?

Let's say I bought 1 share in a Vanguard mutual fund each year for 10 years. Its price started at \$1 and went up by exactly \$1 each year, so the price of the latest share bought is \$10. The average ...
274 views

### Fundamentals of creating a diversified portfolio based on numbers?

There are a number of articles and posts across the internet describing how to diversify your portfolio. But, each claim typically focuses on how to allocate your portfolio rather than describing ...
15k views

### Do I owe taxes if my deductions are higher than my income?

My total income this year was \$16,604 (wages, interest, and business income). My deductions (including IRA, personal exemption, standard deduction, and self employment tax) was \$17,404. TurboTax ...
237 views

### Is this the right tax statement for Roth IRA back conversion?

I moved \$5500 from traditional IRA to Roth IRA in January 2014 for tax year 2013 . Then I moved another \$5500 from traditional to Roth IRA for tax year 2014 in March 2014. When depositing fund in IRA, ...
3k views

### What is the full formula for calculating a FICO 9 credit score?

I'm familiar with the percentage breakdown of how a credit score is calculated. I'm wondering what is the exact formula is that can be used to come up with a point value based on specific input ...
7k views

### How are bonuses taxed? Why is withheld amount not same as final amount?

I have not found any clarity looking at a lot of search engine results and articles. Most articles state that there are 2 possibilities, that taxes from bonuses can be withheld at a flat 25% rate, or ...
96 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: ...
1k views

### A calculator that takes into account portfolio rebalancing? [closed]

I'm looking for a calculator that takes into account rebalancing when estimating total returns using historical data. For example, I'd input the following into the calculator: I have an initial \$10,...
502 views

### What Percentage of my Income do I Have to Pay in Employment Insurance (EI) Deductions?

I am from Calgary, Alberta, and I am wondering how much % of my hourly wage will be paid to my EI (employment insurance). Is the percent rate different for every worker, if not, what is the fixed ...
236 views

### What is a 10 Year Treasury Note and How Can it be Used to Calculate the Intrinsic Value of a Stock?

I am a Canadian, and I am trying to use an "intrinsic stock value calculator" (found here: http://buffettsbooks.com/howtoinvestinstocks/course2/stocks/intrinsic-value-calculator.html#sthash.YmLme4uz....
240 views

### Question related to Public Provident Fund interest calculation

Consider the following extract from a newspaper article : The interest on your PPF balance is compounded annually, but the calculation is done every month. The interest is calculated on the ...
1k views

### How do I calculate my net worth according to the book “The Millionaire Next Door”?

I remember reading about PAWs, UAWs, and AAWs. I also remember that the formula for what your net worth should be on average (to be an AAW) is your income (without inheritance[s]) multiplied by one ...
1k views

### Calculating equity split in selling a property

Purchased a property with another person in 1998. We remained equitable partners until April, 2009 when the other party stopped paying their share of the mortgage, condo fees, property tax, upkeep. I ...
3k views

### Calculating total number of monthly payments in Excel using NPER and PMT?

How to calculate the total number of monthly payments given the amount of loan (\$275,000), the annual interest rate (4.35%) and the number of years (30)? I'm confused because I'm trying to use the ...
426 views

### How do you choose which mortgage structure is appropriate when buying a home?

My lease is up in 1 month, and I'm looking to buy a home in the next 4 weeks. I have narrowed it down to two that I am interested in. I'm wondering about the type of mortgage I should get. Which ...
10k views

### Why would one W-2 give so much more back than the other?

I'm a single male with no dependents. I had two W-2s for this year, one of which showed a gross earning of ~\$30,000 while the second was for ~\$20,000. When I fed the first one into TurboTax, I got a ...
1k views

### Not receiving a tax refund because local taxes weren't withheld on my paycheck?

For instance, if the local New York City tax wasn't taken out of my paycheck, does that directly affect my tax refund? From what I understand the calculation for a tax refund is dependent on whether ...