**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)

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)?

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.How Much Will I Save in Interest?

Alt. Snowball/Avalanche Calculator (w/ Graph)Easy Monthly Budget/Cash Flow Calculator or

Version 2

Use whichever is easier for youHow Do I Reach My Investment Goal CalculatorFigure out

required contribution amountto reach a financial goalor

annual return neededor

length of investment neededor

what the future value of the investment is if nothing changesCalculate 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 .99125%of something =Multiply by 1.251000%of something =Multiply by 10.0075%of something (3/4th’s, Three Fourth’s) =Multiply by .75Add 75%to something =Multiply by 1.7566%of something (2/3rd’s, Two Third’s) =Multiply by .66Add 66%to something =Multiply by 1.6650%of something (1/2, Half) =Divide by 2Add 50%to something =Multiply by 1.53/8th’sof something (37.5%) =Multiply by .375Add 3/8th’sto something =Multiply by 1.37533%of something (1/3rd, a Third) =Divide by 3Add 33%(a Third) to something =Multiply by 1.3325%of something (1/4th, a Fourth) =Divide number by 4Add 25%to something =Multiply by 1.2520%of something (1/5th, One Fifth) =Divide number by 5Add 20%to something =Multiply by 1.215%of something =Multiply by .15Add 15%to something =Multiply by 1.151/8thof something (12.5%) =Divide by 8Add an eighth (1/8th)to something =Multiply by 1.12510%of something =Divide number by 10Add 10%to something =Multiply by 1.15%of something =Divide number by 20Add 5%to something =Multiply by 1.051%of something =Divide by 100Add 1%to something =Multiply by 1.01The “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)