// by seankriegler.com
Financial Calculator
Future value, present value, annuities, net worth, and debt-to-income ratio
FV = PV × (1 + r)ⁿ — How much will your money grow?
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Future Value
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Total Interest
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Total Contributions
PV = FV / (1 + r)ⁿ — What is a future sum worth today?
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Present Value
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Discount Amount
Calculate future value of regular periodic payments
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Future Value
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Total Contributed
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Interest Earned
Assets minus liabilities = your net worth
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Total Assets
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Total Liabilities
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Net Worth
Debt-to-Income ratio — used by lenders to assess borrowing risk
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DTI Ratio
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Assessment
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Total Monthly Debt
// Time Value of Money
A dollar today is worth more than a dollar tomorrow due to earning potential. This core principle drives all financial calculations.
// Rule of 72
Divide 72 by your interest rate to estimate years to double your money. At 8%: 72/8 = 9 years. At 12%: 72/12 = 6 years.
// DTI Ratio
Below 36%: Healthy. 36-43%: Acceptable for most lenders. 43-50%: Risky — you may struggle to get approved. Above 50%: Seek debt reduction.