Additional Payment (interest saved)
Annual Appreciation Rate
Annual Percentage Rate (conventional fixed-rate mortgages)
Bi-Weekly Payment (interest saved)
Canadian Monthly Payment (principal and interest. With amortization table)
Canadian Monthly Payment (principal, interest, taxes, insurance)
Maximum Mortgage (using desired monthly payment and loan terms)
Maximum Purchase Price (using desired monthly payment, down payment and loan terms)
Monthly Payment (principal and interest. With amortization table)
Monthly Payment (principal, interest, taxes, insurance)
Monthly Payment (interest-only)
Monthly Payment (private lender, 12-month or less. With amortization table)
Mortgage Balance (based upon number of payments made)
Mortgage Qualification (how much you can borrow based on your income and expenses)
Mortgage Refinance (interest saved)
Rent vs. Buy

Time Value

Present Value (present value of a future value amount)
Future Value (future value of a present value amount)
Compound Rate (rate required to achieve a future value amount)
Years (number of years to achieve a future value amount)
Multiple Payments (present value of even future value payments)
Multiple Payments (present value of uneven future value payments)
Annuity Deposit (future value of equal uniform deposits)
Annuity Deposit (number of years for deposits to reach a future value amount)
Annuity Payment (deposit required to collect desired future payments)
Annuity Payment (payment collectible from money on deposit)
Payment Plans (present value for two payment plan options)
Sinking Fund (deposits required to collect a future lump sum)
Inflation Rate (1913 - present)

Cash Flows

Financial Management Rate of Return (FMRR)
Internal Rate of Return (IRR)
Modified Internal Rate of Return (MIRR)
Net Present Value (NPV)
Profitability Index (PI)

Tax Shelter (residential and commercial)

Depreciation Allowance (full year of ownership)
Depreciation Allowance (purchase and sale years with mid-month convention)
Taxable Income (income subject to taxation by evaluation year)
Cash Flow After Taxes (income after payment of taxes by evaluation year)
Return on Equity (after-tax return by evaluation year)
Adjusted Basis (adjusted tax basis by evaluation year)
Gain on Sale (taxable profit by sale year)
Taxes Due to Sale (tax liability by sale year)
Sale Proceeds (after-tax proceeds by sale year)


Cap Rate
Gross Rent Multiplier (GRM)
Net Income Multiplier (NIM)
Property Valuation (using cap rate)
Property Valuation (using gross rent multiplier)
Property Valuation (using net income multiplier)
Cash on Cash Return (COC)
Market Value Return (annual rate of return due to change in property value)
Loan-to-Value Ratio (using loan amount)
Loan-to-Value Ratio (using down payment)
Debt Coverage Ratio (DCR)
Break-Even Ratio (BER)
Operating Expense Ratio
Payback Ratio
Acquisition Cost (cash requirement for a specified purchase)
Sale Proceeds (cash collected before taxes due to a specified sale)
Fix 'n Flip (profit and return on investment for a short-term rehab)
Fix 'n Flip (70% of ARV rule for a short-term rehab)
Rule of 72 (number of years for property value to double)