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Personal Finance

Personal finance is the financial management which an individual or a family unit is required to do to obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. 

When planning personal finances, the individual would consider the suitability to his or her needs of a range of banking products (checking, savings accounts, credit cards and consumer loans) or investment (stock market, bonds, mutual funds) and insurance (life insurance, health insurance, disability insurance) products or participation and monitoring of individual- or employer-sponsored retirement plans, social security benefits, and income tax management.

The goal of personal finance is not necessarily to get rich, but more importantly to obtain and guarantee freedom (financial, social, etc). The rule of thumb is to spend less (incrementally less) than you get.

vCalc's Personal Finance folder contains equations to help an individual compute personal finances.

Parent Categories:

Personal Finance Calculators

Personal Finance Collections

Personal Finance Equations

  • Amortization by vCalc
  • Annualized Amortization by vCalc
  • Cash Flow by vCalc
  • Compound Annual Growth Rate by vCalc
  • Compound Interest by vCalc
  • Compounding Basis by vCalc
  • Future Value (Ordinary Annuity) by vCalc
  • Interest Rate - Annual by vCalc
  • Interest Rate - Monthly by vCalc
  • Leverage Ratio by vCalc
  • Loan Payment by vCalc
  • Monthly Payment - APR with fees by vCalc
  • Present Value (Ordinary Annuity) by vCalc
  • Rule Of 72 by vCalc
  • Savings Goal Payment by vCalc
  • Simple Interest Earned by vCalc
  • Cost of Equity (CAPM) by MichaelBartmess
  • Credit Card Equation by KurtHeckman
  • Future Value (%) by KurtHeckman
  • Future Value - Continuous Compounding by KurtHeckman
  • Internal Rate of Return by EdwardOmbui
  • Life Budgeting Across Currencies by WalkerSmith
  • Mileage Tax Deduction by KurtHeckman
  • Personal Net Worth by KurtHeckman
  • Refinance Payment Difference by MichaelBartmess
  • Salary Comparison by MichaelBartmess
  • Social Security Tax / Medicare Tax (2104/2015) by MichaelBartmess
  • Tax Rate (Computed) by MichaelBartmess
  • Total Interest by MichaelBartmess
  • Total Loan Cost by KurtHeckman
  • Total Mortgage Cost by DavidC
  • Total PITI Mortgage Cost by MichaelBartmess
  • Wage calculator (monthly) by DavidC
  • Weekly Cash Free Est by MichaelBartmess

Personal Finance Datasets