URUTONDE RW'UTUMA TWO KUBARA

Utuma twose two kubara

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URUTONDE RWAWE RUGUFI

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BANDANYA AHO WAHAGARIKIYE

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100 TOOLS

Rondera hakurikijwe umugwi

Finance

Mortgage

Gereranya amahera yose y'inzu wishura buri kwezi kandi urabe aho aja.

Inyungu zivyara izindi

Teganya uko amahera azigamwe ashobora gukura hamwe n'intererano zigaruka n'inyungu zivyara izindi.

Ikiguzi c'inguzanyo

Gereranya ikiguzi kidahinduka c'inguzanyo, inyungu yose n'ikiguzi cose co kwishura.

Inguzanyo y'imodoka

Gereranya amahera yo kugurizwa imodoka inyuma y'umusoro, intererano ya mbere n'agaciro k'imodoka yahinduwe.

Kurangiza kwishura inguzanyo y'inzu

Raba uko amahera y'inyongera ya buri kwezi ashobora kugabanya ikiringo c'inguzanyo y'inzu n'inyungu.

Ukura kw'amahera azigamwe

Teganya amahera yo kuzigama ukoresheje APY, amahera ashirwa kenshi n'igihe.

Retirement

Gereranya amahera y'izabukuru n'amahera y'umwaka ashobora gukurwa mu gutegura.

Salary

Hindura umushahara w'isaha ube umushahara mbumbe w'indwi, ukwezi n'umwaka hamwe n'amahera asigara agereranywa.

Ukura kw'ishoramari

Teganya ukura kw'ishoramari uhereye ku mahera y'intango, intererano za buri kwezi n'inyungu.

Inflation

Gereranya igiciro co muri kazoza n'ukuntu ubushobozi bw'amahera bwo kugura buhinduka uko igihe kirenga.

Amortization

Tegura urutonde rwose rwo kwishura inguzanyo hamwe n'amahera y'inyongera ushobora guhitamwo.

Ubushobozi bwo kugura inzu

Gereranya igiciro c'inzu ushobora gushobora uhereye ku mahera winjiza, amadeni, intererano ya mbere n'ibiciro vy'inzu.

Net Worth

Calculate assets minus liabilities and understand your personal balance sheet.

Emergency Fund

Estimate how much cash to reserve for essential monthly expenses.

Credit Card Payoff

Estimate the fixed monthly payment needed to amortize a credit-card balance, plus total interest and total repayment cost.

Debt-to-Income Ratio

Calculate the debt-to-income ratio (DTI) lenders use to compare recurring monthly debt payments with gross monthly income.

Debt Snowball

Estimate payoff time when extra cash is focused on the smallest debt first.

Debt Avalanche

Estimate payoff time while prioritizing the highest-interest debt first.

APR

Estimate annual percentage rate from interest and upfront borrowing fees.

APY

Convert a nominal annual rate and compounding frequency into APY.

Interest Rate

Find a simple annual interest rate from principal, interest and time.

Simple Interest

Calculate interest that does not compound over the selected term.

Mortgage Refinance

Estimate the new principal-and-interest payment after refinancing and compare it with your current mortgage payment.

Mortgage Closing Cost

Estimate closing costs as a percentage of a home purchase price.

Mortgage Points

Calculate the upfront dollar cost of mortgage discount points.

Rent vs Buy

Compare an annualized rent cost with an estimated ownership cost including monthly housing cost and home-value appreciation.

Down Payment

Convert a target down-payment percentage into cash and loan amounts.

PMI

Estimate monthly private mortgage insurance from balance and annual PMI rate.

Property Tax

Estimate annual and monthly property tax from assessed value and tax rate.

Home Equity

Calculate home equity and loan-to-value from value and mortgage balance.

HELOC Payment

Estimate an interest-only monthly HELOC payment from your balance and annual rate.

Biweekly Mortgage

Estimate a biweekly payment from a standard monthly mortgage payment.

Extra Mortgage Payment

Estimate annual extra principal created by a recurring extra payment.

Reverse Mortgage

Estimate a planning-level reverse-mortgage borrowing limit from home value.

Personal Loan

Calculate a fixed personal-loan payment, total repayment and total interest from the amount, APR and term.

Student Loan

Estimate the standard fixed payment and lifetime interest for a student-loan balance using a stated rate and repayment term.

Boat Loan

Estimate monthly payments for a boat purchase loan.

RV Loan

Estimate monthly payments and total interest for recreational vehicle financing.

Motorcycle Loan

Estimate a fixed monthly motorcycle loan payment and total borrowing cost.

Line of Credit

Estimate an interest-only monthly payment on a revolving credit balance.

Loan Comparison

Compare the monthly payment for two interest rates on the same loan.

Debt Consolidation

Estimate the payment on a single fixed-rate consolidation loan.

Loan Affordability

Estimate principal supported by a monthly payment, rate and term.

Hourly to Salary

Convert an hourly wage to weekly, monthly and annual gross pay using scheduled hours and paid working weeks.

Salary to Hourly

Convert annual salary into an equivalent hourly wage.

Overtime

Calculate weekly overtime pay using an overtime multiplier.

Paycheck

Estimate take-home pay from gross pay and a combined deduction rate.

Take-Home Pay

Estimate annual take-home pay by subtracting a combined percentage for taxes, payroll deductions and benefits from gross salary.

Bonus Tax

Estimate bonus take-home amount after a selected withholding rate.

Pay Raise

Calculate a new annual salary and pay increase after a percentage raise.

Commission

Calculate sales commission from eligible revenue and commission rate.

Severance Pay

Estimate severance from weekly pay and offered weeks.

Cost of Living

Estimate the salary needed after moving to a location with different costs.

CAGR

Calculate compound annual growth rate between a starting and ending value.

Dividend

Estimate annual dividend income from shares owned and dividend per share.

Dividend Yield

Calculate dividend yield from annual dividend and current share price.

Stock Average

Calculate the weighted average cost across two stock purchases.

Capital Gains

Calculate investment gain before tax from proceeds and cost basis.

Bond Yield

Estimate current bond yield from annual coupon and market price.

Real Return

Adjust a nominal investment return for inflation and purchasing power.

Portfolio Return

Estimate a two-asset weighted portfolio return from returns and allocation weights.

Income Tax

Estimate tax on a selected taxable-income amount using one stated effective rate for fast budgeting and scenario comparisons.

Self-Employment Tax

Estimate self-employment tax from net self-employment income and tax rate.

Capital Gains Tax

Estimate tax on a taxable capital gain using a planning-level tax rate.

Tax Bracket

Estimate tax at a selected marginal rate for planning.

Tax Refund

Compare tax payments and credits with estimated tax liability.

Tip Income Tax

Estimate the tax reserve needed for reported tip income and planning.

Business

Margin y'inyungu

Hindura ningoga amahera yinjira n'ibiciro bibe inyungu, margin n'igipimo c'ikiguzi.

Inyungu ku ishoramari

Pima inyungu, ijana ry'inyungu n'inyishu y'ishoramari ihinduwe iy'umwaka.

Break-even

Menya igitigiri c'igurisha n'amahera yinjira bikenewe mu gupfuka ibiciro bidahinduka n'ibihinduka.

Markup

Gereranya igiciro co kugurisha, inyungu, inyongera ku kiguzi na margin utabivanganije.

Business Loan

Estimate payment and borrowing cost for a fixed-rate business loan.

Freelance Rate

Estimate an hourly freelance rate from income target and billable hours.

Gross Profit

Calculate gross profit from revenue and cost of goods sold.

Net Profit

Calculate net profit after all business costs and operating expenses.

Contribution Margin

Calculate contribution margin from sales and variable costs.

Operating Margin

Calculate operating margin as operating income divided by revenue.

EBITDA

Estimate EBITDA by adding interest, tax, depreciation and amortization to net income.

Cash Flow

Calculate net cash flow from cash received and cash paid.

Inventory Turnover

Calculate how often average inventory is sold during a period.

Product Price

Set a selling price from unit cost and target markup.

Customer Acquisition Cost

Calculate marketing and sales spend per new customer.

Customer Lifetime Value

Estimate customer lifetime value from order value, purchases and lifespan.

Payroll Tax

Estimate employer payroll tax from taxable payroll and a combined rate.

VAT

Add value-added tax to a net price and see the tax amount and gross total.

GST

Add goods and services tax to a pre-tax amount and estimate the gross total.

Quarterly Tax

Divide estimated annual tax into four planning payments.

Everyday

Agashimwe no kugabura fagitire

Bara agashimwe kandi ugabure fagitire ya nyuma ata mibare igoye yo ku meza.

Itandukaniro ry'amatariki

Bara igihe nyaco hagati y'amatariki abiri ya kalendari.

Discount

Menya mu masegonda igiciro cagabanijwe, amahera uzigamye n'igiteranyo inyuma y'umusoro.

Age

Bara imyaka nyayo mu myaka, amezi n'imisi hagati y'amatariki abiri ya kalendari.

Umusoro w'igurisha

Bara umusoro w'igurisha, igiciro inyuma y'umusoro kandi ukure umusoro mu giteranyo kirimwo umusoro.

Inzu n'ubwubatsi

Inzu n'ubwubatsi

Paint

Gereranya ubuso bw'inkuta, galoni z'irangi n'ingano ibereye yo kugura.

Inzu n'ubwubatsi

Concrete

Gereranya ingano ya beto hamwe n'inyongera ibereye y'ibizotakara mu ngero za Amerika canke za metero.

Inzu n'ubwubatsi

Flooring

Gereranya ubuso bw'isi, ibikoresho harimwo ibizotakara n'ikiguzi cavyo.

Health

BMI

Gereranya BMI kandi urabe urugero ngenderwako rw'abakuze.

Kaloriyi zikenewe

Gereranya kaloriyi za buri munsi uhereye ku myaka, igitsina, uburebure, ibiro, imyimenyerezo n'intumbero y'ibiro.

Ibinure vy'umubiri

Gereranya ijana ry'ibinure vy'umubiri ukoresheje uburyo bw'inzinguzingu bw'Ingabo zo mu mazi za Amerika.

Math

Percentage

Torera inyishu ikibazo c'ijana gikunze kubazwa mu ntambwe imwe.

Guhindura ingero

Hindura ningoga ingero zisanzwe z'uburebure, ibiro, ingano n'ubushuhe.