Financial Calculators | Wealth Gap Resolution Algorithm™

https://www.gofundme.com/u/rich-blackman

Math & Projections

Financial Calculators

Built for clean inputs and transparent outcomes. Default results are “simple and readable,” with optional Advanced (NPV) mode where it matters.

Modeling standard used on this page: Interest is modeled using daily compounding with a 360-day year and fixed 30-day months. Monthly payments are assumed to occur at the end of each 30-day period. Results are estimates and may not match your lender’s exact rules (fees, escrow, payment timing, statement cycle length, rounding, local tax rules, etc.). This is education, not advice.

Debt & Interest

Debt Repayment Calculator

Estimate payoff time (in months), total interest, and an approximate payoff month/year if you provide a start date.

Current balance ($)

APR (%)

Monthly payment ($)

Extra monthly payment ($)

Start date (optional)

Uses the themed calendar picker (Flatpickr).

Safety cap (months)

Home & Refinancing

Mortgage Refinance Calculator (P&I Only)

Compare principal & interest payments and estimate breakeven (months). Taxes/insurance/HOA are intentionally excluded here.

Current loan balance ($)

Current APR (%)

Remaining term (years)

New APR (%)

New term (years)

Closing costs ($) Roll closing costs into the new loan balance

Quick Math

Simple Loan Calculator

Enter principal, APR, and term to estimate monthly payment, total paid, total interest, and payoff time in months.

Loan amount ($)

APR (%)

Term (years)

Extra monthly payment ($)

Full Schedule

Amortization Schedule

Generate a month-by-month schedule. Payoff time is shown in months.

Principal ($)

APR (%)

Term (years)

Extra monthly payment ($)

Start date

Schedule rows to show

Returns

ROI Calculator

Calculate simple ROI and (optionally) an annualized estimate based on a time window.

Amount invested ($)

Final value ($)

Time period (months)

Set to 0 if you only want simple ROI.

Total fees ($)

Money Management

Budget Calculator

Quick monthly budget summary: total expenses, surplus/deficit, savings rate, and goal check.

Monthly income ($)

Housing ($)

Transportation ($)

Food ($)

Debt payments ($)

Utilities ($)

Insurance ($)

Entertainment ($)

Other ($)

Savings goal ($)

Compounding

Compound Interest Calculator

Uses daily compounding (360-day year) with fixed 30-day months. Contributions apply monthly.

Starting amount ($)

Annual return (APR %)

Monthly contribution ($)

Time (months)

Contribution timing

Safety cap (months)

Vehicles

Lease vs Own Car

Compare net cost over a horizon in months. Ownership includes an end-of-horizon vehicle value so the result is not biased. If your horizon exceeds the lease term, this model assumes repeating leases with the same terms (as approved).

Time horizon (months)

MSRP ($)

Negotiated price / cap cost ($)

Sales tax rate (%)

Trade-in value ($) Trade-in reduces taxable amount (if applicable)

Cash rebate / incentives ($)

Purchase fees (title/doc/registration) ($)

Lease upfront fees (acquisition/registration) ($)

Lease end fees (disposition/wear) ($)

Lease tax method

Lease details (payment method) ▼

I know my lease payment?

If you choose “calculate,” we’ll estimate the payment from standard lease math.

Lease term (months)

If horizon exceeds term, we assume repeating leases with the same terms.

Monthly lease payment (before tax) ($)

Lease rate input type

APR conversion uses APR ≈ money factor × 2400.

Money factor / Lease APR value

Residual value (% of MSRP)

Cap cost reduction (lease down payment) ($) Include first month payment at signing

Own details (cash / down + finance / full finance) ▼

Ownership mode

Cash down payment ($)

Ignored if “Pay fully in cash” is selected. Forced to $0 if “Fully finance.”

Roll taxes & fees into the loan (if financing)

Loan APR (%)

Loan term (months)

Estimated car value at horizon ($)

This is the “real worth” at the horizon (resale/private party estimate).

Owner monthly insurance + maintenance ($)

Lease monthly insurance + maintenance ($)

Advanced: Show NPV (discounted comparison) ▼

Enable NPV outputs

NPV converts future payments to today’s dollars using a discount rate.

Housing

Rent vs Own Home

Default view compares end-of-horizon outcomes. Owning includes mortgage payment + taxes + insurance + HOA + maintenance + utilities. Renting includes rent + renters insurance + utilities (can be $0 if included). Advanced mode adds NPV.

Time horizon (months)

Home price ($)

Down payment (%)

Buyer closing costs ($)

Mortgage APR (%)

Mortgage term (years)

Property tax (%/year)

Homeowners insurance ($/month)

HOA ($/month)

Maintenance input type

Maintenance (%/year)

Maintenance ($/month)

Owner utilities ($/month) — must be ≥ $100

Rent ($/month)

Rent increase (%/year)

Renters insurance ($/month)

Renter utilities ($/month)

Enter $0 if utilities are included in rent.

Security deposit ($) Deposit returned at end

Broker fee (optional) ($)

Home appreciation (%/year)

Selling costs (% of home value)

Includes realtor + seller closing costs. This is required to avoid bias toward owning.

Investment return (%/year)

Renter invests the upfront “buying cash” + monthly differences.

Advanced: Show NPV (discounted comparison) ▼

Enable NPV outputs

Important Disclaimer

These calculators are provided for educational and informational purposes only. They do not constitute financial, legal, tax, or investment advice, and they do not replace disclosures or official lender calculations.

Interest modeling standard: daily compounding, 360-day year, fixed 30-day months; payments assumed at period end. Real products can differ (fees, day-count rules, escrow, statement cycles, taxes, rounding, etc.).

Always verify results using official statements and qualified professionals.

Financial Calculators

Debt Repayment Calculator

Your snapshot

Mortgage Refinance Calculator (P&I Only)

Comparison

Simple Loan Calculator

Loan snapshot

Amortization Schedule

Amortization summary

ROI Calculator

ROI snapshot

Budget Calculator

Budget snapshot

Compound Interest Calculator

Compound snapshot

Lease vs Own Car

Car comparison

Rent vs Own Home

Rent vs own snapshot

Leave a Comment Cancel Reply