Guides
Every calculator ships with a written guide covering the assumptions, the trade-offs and the mistakes people actually make. No filler, no keyword padding — the same explanation we would give a friend.
PITI, PMI and the 28/36 rule, explained properly
PITI stands for principal, interest, taxes and insurance, and it is the number your lender qualifies you on. Principal is the port…
Read guide Tax & PayrollWhy your refund means your withholding was wrong
Federal income-tax withholding is progressive and follows your Form W-4. FICA is separate: employees pay 6.2% for Social Security …
Read guide Real EstateThe five-year rule and the real break-even math
Transaction costs dominate short holding periods. Between agent commissions, title, lender fees and moving, buying and later selli…
Read guide BusinessARR multiples, Rule of 40 and net revenue retention
The default method applies SaaS Capital’s 2022 private-company framework: predicted ARR multiple = −3.2 + 0.32 × SCI + 8.26 × ARR …
Read guide Tax & PayrollSnowball versus avalanche, with the actual numbers
Start with the minimum payment on every debt entered with a positive balance, then add the recurring extra you can sustain. In the…
Read guide Tax & PayrollHow one extra day can halve your capital gains rate
An asset held for one year or less produces a short-term gain taxed at ordinary federal rates of 10% to 37%. More than one year pr…
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