Financial math you actually understand.

Pick a topic, open an example and compute with your own numbers. The calculator types the values in, shows the formula and explains what you learn from it.

Topics

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Saving & Compound Interest

6 examples · 4 calculators ›

Building wealth with regular contributions and lump-sum investments – how time and compounding turn into capital.

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Retirement & Withdrawal

5 examples · 3 calculators ›

How much capital a desired pension costs, what savings rate it takes, and how capital is drawn down in retirement.

How much does a $2,000 pension cost? $372,588.27 Savings rate for the desired pension $210.35 What pension can the savings support? $1,927.53 A pension without drawing down capital $1,833.36 The daughter's head start in time $107.46

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Mutual Funds & Securities

4 examples · 3 calculators ›

Returns, front-end loads, performance versus true return, and the cost-average effect with fluctuating prices.

What is left after the front-end load? $28,846.15 Performance is not the same as return 13.80 % Profit in a sideways market 22.35 % Long-term fund savings plan $159,712.93

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Real Estate & Loan Financing

5 examples · 4 calculators ›

Annuities, remaining debt after the fixed-rate period, payoff time and the effective rate of loans with a discount.

Monthly installment for buying a house $1,740.00 Remaining debt after the fixed-rate period $272,575.54 How long does the remaining repayment take? 19.66 years Is the discount worth it? 4.38 % Repayment substitute via a fund $592.41

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Bonds & Zero-Coupon Bonds

3 examples · 2 calculators ›

Prices, yields and effective rates of interest-bearing and zero-coupon securities.

Issue price of a zero-coupon bond 67.68 Return on an early sale 8.12 % Quarterly coupons and the effective rate 6.14 %

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Inflation & Purchasing Power

3 examples · 2 calculators ›

How the erosion of money shifts future amounts and the real pension you will need.

What $2,500 is worth in 30 years $5,243.92 Purchasing power of a saved amount in the future $28,656.33 Capital needed for an inflation-proof pension $771,447.63

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Insurance & Product Comparison

3 examples · 1 calculators ›

Returns of life and pension insurance policies and a fair comparison with alternative investments.

What return does the life insurance really deliver? 3.02 % Hidden costs of a unit-linked policy $177.72 Cancel and invest yourself? 5.49 %

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Leasing, Credit & Consumption

3 examples · 1 calculators ›

The effective rate of leasing and installment loans, plus the true price of spending habits.

What does the lease really cost? 4.18 % Monthly installment of a car loan $525.75 Play or save? $116,756.34

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