About FinanceLearn
- Calculators
- 132
- Guides
- 216
- Tools you can drag
- 67
- Worked examples
- 1,307
FinanceLearn is written and built by Jude Wallis, the same person who writes EconLearn, StatsLearn, CalcLearn and PhysicsLearn. EconLearn teaches AP Economics with graphs you can drag. This site does the same job for the arithmetic behind money: what a paycheck keeps, what a loan costs, and what a deal model is actually pricing.
Each page states the formula, runs it in your browser, and works through the same calculation by hand so you can check it. Every calculator is open. Put one on a class page from widgets. Calculator versions can stay on this device, become a printable comparison, or move with the rest of your progress in one private Learning Passport file.
A number you can open
Each figure is the default on that page, which is also that page's first worked example.
- Loan paymentOn $250,000 at 6.5 percent over 30 years. Interest over the life of the loan is $318,861.22.$1,580.17 a month
- Compound interest$5,000 plus $200 a month at 6 percent compounded monthly, after 10 years. Interest is $12,872.85 of that.$41,872.85
- Mortgage affordabilityOn $9,000 a month with $650 of other debts, a 43 percent rule at 6.5 percent over 30 years.$430,333.43
- Extra $200 a monthOn a $300,000 mortgage at 6.5 percent over 30 years, the extra clears the loan 83 months sooner.$103,448.79 of interest not paid
- APR against APYA 5 percent APR compounded monthly. $10,000 earns $511.62 in a year rather than $500.5.116%
- Net worth$600,000 of assets against $500,000 of debts.$100,000
- Leverage ratiosDebt-to-equity, debt-to-assets and the equity multiplier on $800,000 of assets against $500,000 of debt.1.67 / 62.50% / 2.67
- Net present valueFive yearly receipts of $3,000 against a $10,000 cost at 8 percent.$1,978.13
- CAGR$10,000 growing to $18,000 over 6 years.10.29%
- Discounted cash flowFive years of $100,000, discounted at 10 percent, with 3 percent terminal growth.$1,292,720.05
- Enterprise value$100,000,000 of equity, $40,000,000 of debt, $10,000,000 of cash. Against $10,000,000 of EBITDA that is 13 times.$130,000,000
- Price to earningsA $50 share on $2.50 of earnings.20.0x
- Cash conversion cycle45 days of receivables plus 60 days of inventory, minus 30 days of payables.75 days
124 factor tables135 definitions112 comparisons
How the numbers are checked
Every worked example carries a machine-readable record of its inputs and its published answers. Before the site can build, a separate program recomputes each one from scratch using a different method: loan figures by stepping through the full payment schedule rather than the closed formula, growth figures by iterating period by period. The build fails if any published number disagrees, and it fails again if a number that was computed correctly was typed into the prose wrongly. The full walk is how the numbers are checked.
Scope
This is educational material, not financial advice. The calculators show what a formula produces from the inputs you give it. Your own rate, fees, taxes and timing decide what actually happens, and a decision about your money is worth taking to someone licensed to advise on it.
Start with a path: a first paycheck, a first mortgage, or a first deal model. Or browse every calculator, the long-form guides, a private decision plan, how to calculate it, or every formula on one page. Calculator snapshots can live on this device.