**A page for those of us who go into full-on derp mode when it comes to math and money. Find the situation you need and there’s a tool or cheat to get your answer. **

**How much money did I gain or lose?**

See how much up or down something is, as a number and a %.

**What will my account be worth in the future?**

This is how you see what something will be worth in the future *if you know the yearly percentage gain (% growth) or loss*. You can also see what it will be worth if you keep adding (contributing) to the amount like in a retirement account. Includes a chart.

**What percentage did my investment grow per year?**

Enter the starting amount, ending amount, and how long it has been invested.

**How long will it take to pay off my credit card if I just make the minimum payment? How much interest will I pay?
**You don’t need to enter a number for percent minimum payment and dollar amount. You just need one or the other. For APR on savings, just put 0.

**How long will it take to pay off my debt if I do a Debt Snowball (Pay Smallest Debt Balance First) or Avalanche (Pay High-Interest Rate First)?
How Much Will I Save in Interest?
**If you don’t know what a debt snowball (or avalanche) is, watch for the coming tutorial. It is literally a life changing strategy for people in debt. This page will show you how much quicker you will pay off the debt and how much you will save in interest payments.

**Alt. Snowball/Avalanche Calculator (w/ Graph)**

Easy Monthly Budget/Cash Flow Calculator or **Version 2
**Use whichever is easier for you

**How Do I Reach My Investment Goal Calculator**

Figure out *required contribution amount* to reach a financial goal

or *annual return needed*

or *length of investment needed*

or *what the future value of the investment is if nothing changes*

**Calculate a quick % or fraction of something:**

**What is X%** of something = **Multiply by .X** *(move the decimal place 2 digits to the left)*

Examples:

**99%** of something = **Multiply by .99**

**125%** of something = **Multiply by 1.25**

**1000%** of something = **Multiply by 10.00**

**75%** of something (3/4th’s, Three Fourth’s) = **Multiply by .75**

**Add 75%** to something = **Multiply by 1.75**

**66%** of something (2/3rd’s, Two Third’s) = **Multiply by .66**

**Add 66%** to something = **Multiply by 1.66**

**50%** of something (1/2, Half) = **Divide by 2**

**Add 50%** to something = **Multiply by 1.5**

**3/8th’s** of something (37.5%) = **Multiply by .375**

*Add 3/8th’s** to something = Multiply by 1.375*

**33%** of something (1/3rd, a Third) = **Divide by 3**

**Add 33%** (a Third) to something = **Multiply by 1.33**

**25%** of something (1/4th, a Fourth) = **Divide number by 4**

**Add 25%** to something = **Multiply by 1.25**

**20% **of something (1/5th, One Fifth) = **Divide number by 5**

**Add 20%** to something = **Multiply by 1.2**

**15%** of something = **Multiply by .15**

**Add 15%** to something = **Multiply by 1.15**

**1/8th** of something (12.5%) = **Divide by 8**

**Add an eighth (1/8th)** to something = **Multiply by 1.125**

**10%** of something = **Divide number by 10**

**Add 10%** to something = **Multiply by 1.1**

**5%** of something = **Divide number by 20**

**Add 5%** to something = **Multiply by 1.05**

**1%** of something = **Divide by 100**

**Add 1%** to something = **Multiply by 1.01**

**The “Rule of 72” **(Popularized by Warren Buffett)

Used to figure out how long it will take an investment to double based on the percentage that it’s growing. Note that this is just a quick estimate. It’s not intended to get exact numbers and becomes more inaccurate above 10-15%.

Divide 72 / Growth Rate % = How many years it will take to double investment.

Divide 72 / Number of years it takes for something to double = Growth Rate %

**Compilation of Financial Calculators** (intermediate to advanced)