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Cornwell Blake McKelvin
Wealth · Time · Compounding

Compounding Interest
Calculator

Every field updates results instantly. Results reflect A = P(1+r/n)ⁿᵗ + PMT formula.

Final Balance
—
at end of period
Your Inputs
Principal ($)$10,000
$
Annual Interest Rate (%)8.00%
%
Time Period (years)30 years
yrs
Compounds per Year
1=Annual · 4=Quarterly · 12=Monthly · 365=Daily
Monthly Contribution ($)$200
$
Live Results
Final Balance—
Total Contributed—
Interest Earned—
Growth Multiple—
Years to Double (Rule of 72)—
From the Book — Bill & Linda
$200/mo · 16% · 40 yrs · Monthly — Click to load
$5,769,230
Cost Breakdown
—
Interest
Interest Earned—
Contributed—
Growth Over Time
01 Year-by-Year Projection
YearBalanceContributedInterest EarnedMultiple
02 Rule of 72 — Years to Double
Principal · Interest · Taxes · Insurance · PMI

Mortgage Calculator

Full PITI breakdown including PMI. Amortization schedule, payoff date, and extra payment savings.

Monthly Payment
—
P · I · T · I + PMI
Loan Inputs
Home Price$450,000
$
Down Payment20% — $90,000
$
Loan Term
Interest Rate (APR)6.75%
%
Property Tax (%/yr)
%
Home Insurance ($/yr)
$
HOA ($/mo)
$
Total Monthly Payment
—
Principal · Interest · Taxes · Insurance · PMI
P & I
—
Property Tax
—
Insurance
—
PMI
—
HOA
—
LTV Ratio
—
PMI applies. Down payment <20%. Private Mortgage Insurance (~0.5%/yr) added until LTV reaches 80%.
Loan Summary
Loan Amount—
Total Interest—
Total of All Payments—
Payoff Date—
Interest vs Principal
—
Interest
Total Interest—
Principal—
Down Payment—
Balance & Equity Over Time
01 Amortization Schedule
Period Payment Principal Interest Cumul. Interest Balance
Full Loan Analysis

Loan Amortization
Calculator

Monthly, bi-weekly & weekly schedules. Extra payment impact, scenario comparison, printable table.

Payment
—
per period
Loan Parameters
Loan Amount$25,000
$
Annual Interest Rate7.50%
%
Loan Term5 years
yrs
Payment Frequency
Extra Payment / Period$0
$
First Payment Date
Payment/Period
—
monthly
Total Payments
—
periods
Total Interest
—
—% of cost
Total Cost
—
principal + interest
Last Payment
—
—
Effective APR
—
annual rate
Cost Breakdown
—
Interest
Interest—
Principal—
P vs I Per Period (first 36)
01 Amortization Schedule
Period Date Payment Principal Interest Cumul. Interest Balance
Debt · Payoff · Strategy

Credit Card
Payoff Calculator

Compare minimum payments vs fixed amounts vs avalanche/snowball strategies. See the true cost of carrying a balance.

Interest Saved
—
vs minimum payments
Card Details
Current Balance$5,000
$
Annual Interest Rate (APR)22.99%
%
Minimum Payment
%
Your Fixed Monthly Payment$200
$
Extra Monthly Payment$0
$
Min Payment Months
—
paying minimum only
Your Payment Months
—
at your fixed amount
Min Payment Interest
—
total interest paid
Your Payment Interest
—
total interest paid
Interest Saved
—
vs minimum payments
Time Saved
—
months earlier payoff
Balance Over Time — Strategy Comparison
Payoff Schedule
Month Payment Principal Interest Balance
Retirement · Growth · Income

Retirement Savings
Calculator

Project your 401k/IRA balance at retirement, estimate monthly income, and see when your money runs out.

At Retirement
—
projected balance
Your Details
Current Age35
Retirement Age65
Current Savings$50,000
$
Monthly Contribution$500
$
Employer Match (%)3%
%
Annual Return Rate7%
%
Retirement Duration (years)25 yrs
yrs
Balance at Retirement
—
projected portfolio
Monthly Income (4%)
—
safe withdrawal rate
Total Contributed
—
yours + employer
Employer Match Total
—
free money earned
Years to Grow
—
until retirement
Money Lasts Until
—
at 4% withdrawal
Portfolio Growth to Retirement
Real Estate · Decision · Analysis

Rent vs Buy
Calculator

True total-cost comparison over your chosen time horizon, including opportunity cost, appreciation, and tax benefits.

Break-Even
—
year buying wins
Buying Costs
Home Price
$
Down Payment (%)
%
Mortgage Rate
%
Loan Term
yrs
Property Tax (%/yr)
%
Home Insurance ($/yr)
$
Maintenance (%/yr)
%
Home Appreciation (%/yr)
%
Renting Costs
Monthly Rent
$
Annual Rent Increase
%
Renter's Insurance ($/yr)
$
Investment Return on Down Payment (%/yr)
%
Opportunity cost of down payment if invested
Comparison Period
yrs
Marginal Tax Rate
%
Total Buy Cost
—
over comparison period
Total Rent Cost
—
total rent paid
Home Value at End
—
after appreciation
Equity Built
—
mortgage paydown + appreciation
Net Buy Advantage
—
positive = buying wins
Break-Even Year
—
when buying becomes cheaper
Cumulative Cost: Renting vs Buying Over Time
Goals · Timeline · Savings

Goal Savings
Calculator

How much do you need to save each month to hit your goal? Enter a target and let the math work backward.

Monthly Required
—
to reach your goal
Goal Details
Goal Amount$20,000
$
Current Savings (head start)$0
$
Time to Goal3 years
yrs
Annual Interest Rate5%
%
Compounding
Monthly Savings Needed
—
to reach goal on time
Weekly Savings Needed
—
equivalent
Total You Contribute
—
cash out of pocket
Interest Earned
—
money working for you
Goal Date
—
projected completion
Savings Rate
—
interest % of goal
Savings Growth to Goal
Scenario Comparison — Different Timelines
Inflation · Purchasing Power · Time

Inflation &
Purchasing Power

How much is your money really worth over time? Calculate the real impact of inflation forward or backward.

Future Value
—
what it costs later
Inputs
Amount$1,000
$
Annual Inflation Rate3%
%
Historical US average ~3.2% · Fed target 2%
Time Period10 years
yrs
Direction
Quick Presets — Common Inflation Rates
Future Cost
—
what you'll need
Purchasing Power Lost
—
value eroded
Power Lost (%)
—
of original value
Real Value Halves In
—
Rule of 70
Required Savings Return
—
to maintain real value
Equivalent in Dollars
—
purchasing power now
Purchasing Power Erosion Over Time
01 Year-by-Year Breakdown
Year Future Cost Purchasing Power Power Lost Cumulative Inflation