Tools & Resources

Financial market calculation shortcuts and household planning worksheets.
Enter your own values for personalized results.

Rule of 72

Quick estimate for doubling time or required return

Option A: Enter Annual Return (%)

—

Option B: Enter Years to Double

—

Annualized Return (CAGR)

CAGR = (End/Start)^(1/n) − 1

Starting Value ($) Ending Value ($) Years

—

Future Value Calc

FV = PV × (1 + r/n)^(n×t)

Present Value ($) Annual Rate (%)

Compounding

Daily Monthly Annual

Years

—

Dividend Yield

Yield = Annual Dividend ÷ Price × 100

Annual Dividend ($/share) Share Price ($)

—

Earnings Yield from P/E

Earnings Yield = 1 ÷ P/E × 100

P/E Ratio

—

Margin & Leverage

Buying Power = Cash ÷ Margin Requirement

Cash / Equity ($) Margin Requirement (%)

—

Bond Calculations

Bond Yield Calculator

100 par — semi-annual — 30/360 (corp & muni) or Act/Act (UST)

Bond Type

Corporate US Gov't Municipal

Annual Coupon Rate (%) — enter 0 for zero coupon Maturity Date Market Price (per 100 par) Call Date — optional, assumes 100 call price

—

After-Tax Analysis

Federal Rate (%)

State Rate (%)

—

Total Assets

Total Liabilities

Net Worth

Assets

Item	Value ($)
Financial Assets
Checking & Savings
Brokerage / Taxable Investments
Retirement Accounts (401k, IRA)
529 / Education Savings
Cash Value Life Insurance
Real Assets
Primary Residence
Other Real Estate
Vehicles
Personal Property / Other
Total Assets	$0

Liabilities

Item	Balance Owed ($)
Short-Term Debt
Credit Card Balances
Personal Loans
Long-Term Debt
Mortgage — Primary Residence
Mortgage — Other Property
Auto Loans
Student Loans
Other Liabilities
Total Liabilities	$0

Net Worth (Assets − Liabilities)

Monthly Income

Fixed Expenses

Variable Expenses

Net Cash Flow

Income Sources (Monthly)

Source	Amount ($)
Salary / Wages (after tax)
Investment Income / Dividends
Rental Income
Social Security / Pension
Other Income
Total Monthly Income	$0

Fixed Expenses (Monthly)

Expense	Amount ($)
Mortgage / Rent
Property Tax & Insurance
Auto Loan Payment
Student Loan Payment
Health Insurance
Other Insurance Premiums
Utilities (avg.)
Subscriptions / Memberships
Total Fixed Expenses	$0

Variable Expenses (Monthly)

Expense	Amount ($)
Groceries & Household
Dining Out
Gas / Transportation
Entertainment
Clothing & Personal
Medical / Dental (out of pocket)
Home Maintenance
Travel / Vacation
Charitable Giving
Miscellaneous
Total Variable Expenses	$0

12-Month Cash Flow Projection

Based on your monthly entries above. Assumes constant values.

Month	Income	Expenses	Net	Cumulative

Projected Annual Net Cash Flow

These tools are for educational and informational purposes only and do not constitute financial, tax, or investment advice. All calculations are estimates.
Consult a qualified professional for advice tailored to your situation.

Advanced Portfolio Services LLC — NYS Registered Investment Advisor