Personal Finance

vCalc Reviewed
Calculator / Last modified by KurtHeckman on 2017/08/25 11:54
Annualized Amortization
Credit Card Equation
Leverage Ratio
Cash Flow
Compound Interest
Present Value
Future Value
Rule Of 72
Simple Interest

The Personal Finance calculator includes the top equations you should know based on Business Insider article titled  11 Personal Finance Equations You Need to Know.1  This calculator answers quesions like, "How much will my monthly payment be on a mortgage?", and "How long will it take to pay off a credit card?" 



This calculator puts the top financial equations in one place for the ease of the user.

  • Annualized Amortization- computes the monthly payment of a fixed interest rate loan (e.g. home mortgage).
  • Financeable Principal - same amortization formula solved for the principal based on what you can pay.
  • Credit Card Equation- computes the number of months to pay off a credit card.
  • Leverage Ratio- calculates a ratio describing debt to income.
  • Cash Flow- calculates the difference between income an expenses
  • Compound Interest- computes the compounded interest on a fixed interest rate investment
  • CAGR- computes the compounded annual growth rate achieved on an investment.
  • Present Value- computes the present value of a fixed annuity.
  • Future Value- computes the future value of a fixed annuity.
  • Rule of 72- provides a quick estimate on time to double an investment
  • Simple Interest Earned- a rough estimate on interest earned over time.


Managing one's personal finances requires the monitoring of metrics like ones enclosed here on a regular basis.

See Also

External Links


  1. ^  Business Insider: 11 Personal Finance Equations You Need to Know.


This calculator, Personal Finance, is listed in 2 Collections.