Financial market calculation shortcuts and household planning worksheets.
Enter your own values for personalized results.
Common mental-math rules and formulas used by financial professionals.
Years to double ≈ 72 ÷ annual rate
Years to triple ≈ 115 ÷ annual rate
FV = PV × (1 + r)ⁿ
Real ≈ (1+nominal)/(1+inflation) − 1
CAGR = (End/Start)^(1/n) − 1
Yield = Annual Dividend ÷ Price × 100
Earnings Yield = 1 ÷ P/E × 100
1 basis point = 0.01%
Buying Power = Cash ÷ Margin Requirement
ΔPrice ≈ −Duration × ΔYield × Price
Breakeven ≈ Nominal Yield − TIPS Yield
Current Yield = Coupon ÷ Market Price × 100
| Item | Value ($) |
|---|---|
| Financial Assets | |
| Checking & Savings | |
| Brokerage / Taxable Investments | |
| Retirement Accounts (401k, IRA) | |
| 529 / Education Savings | |
| Cash Value Life Insurance | |
| Real Assets | |
| Primary Residence | |
| Other Real Estate | |
| Vehicles | |
| Personal Property / Other | |
| Total Assets | $0 |
| Item | Balance Owed ($) |
|---|---|
| Short-Term Debt | |
| Credit Card Balances | |
| Personal Loans | |
| Long-Term Debt | |
| Mortgage — Primary Residence | |
| Mortgage — Other Property | |
| Auto Loans | |
| Student Loans | |
| Other Liabilities | |
| Total Liabilities | $0 |
| Net Worth (Assets − Liabilities) | $0 |
| Source | Amount ($) |
|---|---|
| Salary / Wages (after tax) | |
| Investment Income / Dividends | |
| Rental Income | |
| Social Security / Pension | |
| Other Income | |
| Total Monthly Income | $0 |
| Expense | Amount ($) |
|---|---|
| Mortgage / Rent | |
| Property Tax & Insurance | |
| Auto Loan Payment | |
| Student Loan Payment | |
| Health Insurance | |
| Other Insurance Premiums | |
| Utilities (avg.) | |
| Subscriptions / Memberships | |
| Total Fixed Expenses | $0 |
| Expense | Amount ($) |
|---|---|
| Groceries & Household | |
| Dining Out | |
| Gas / Transportation | |
| Entertainment | |
| Clothing & Personal | |
| Medical / Dental (out of pocket) | |
| Home Maintenance | |
| Travel / Vacation | |
| Charitable Giving | |
| Miscellaneous | |
| Total Variable Expenses | $0 |
Based on your monthly entries above. Assumes constant values.
| Month | Income | Expenses | Net | Cumulative |
|---|
| Projected Annual Net Cash Flow | $0 |
