Money guides with worked examples

Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.

Loans, interest and savings, explained

How do you calculate a loan payment?
A $20,000 loan at 7% for 5 years costs $396.02 a month. The formula, a step-by-step example and a payment table.
Is it worth paying off your mortgage early?
Paying $200 extra a month on a $300,000 mortgage at 6.5% saves
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
03,450 in interest and 6 years 11 months of payments.
How much interest will
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
0,000 earn in 5 years?
At 4% a year,
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
0,000 grows to
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
2,166.53 in 5 years. Table by rate, compounding frequency and inflation.
APR vs interest rate: what is the difference?
A
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
0,000 loan at 9% with a 5% origination fee has an APR of 12.54%. How fees raise the APR, step by step.
Debt snowball vs avalanche: which order should you pay off debt?
Snowball vs avalanche on three debts totaling
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
9,000: how long each method takes and how much interest you pay.
When can I retire if I save
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
,000 a month?
Spending $3,000 a month needs about $900,000 under the 4% rule. Saving
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
,000 a month at a 5% real return gets you there in 31 years 7 months.
What is compound interest?
$200 a month for 30 years at 7% grows to $233,891. Tables, the rule of 72 and how compounding works.
Fixed or adjustable-rate mortgage: which costs less?
On a $300,000 loan, a 6.5% fixed rate and a 5.75% adjustable rate cost the same if the rate rises about 1.01 points after 5 years.
How much should you have in an emergency fund?
Three to six months of expenses: with $3,000 a month that is $9,000 to
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
8,000. How long it takes to build.
Invest or pay off the mortgage: what is better with an extra $200 a month?
Overpaying $200 a month saves
Each guide answers one common question about saving, debt, mortgages or early retirement with worked numbers, then lets you try your own figures in the planner.
03,450 in interest. Investing wins only above about 6.7% a year. Calculation and simulation.

Money guides with worked examples

Loans, interest and savings, explained

How much to save each month

What your monthly savings grow to

How long a goal takes

Paying off debt

Mortgage overpayments

Early retirement (FIRE)