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BusinessShould You Take a Shorter Loan Term? Run the Cash Flow First
Given a choice between a three-year and a five-year loan at the same rate, the arithmetic says take the three-year: less total interest,...
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Rates do not raise themselves, and inflation lowers them continuously. A rate unchanged for three years has fallen roughly 10% to 15% in...
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The financing decision affects your return more than the equipment decision. Two households can install identical systems on identical...
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The Rule of 40 exists to answer one question: how do you compare a company growing fast and losing money against one growing slowly and...
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Tools referenced in these guides
Refinance Calculator
Find out exactly how many months until a refinance pays for itself. Compares your current loan against a new one including closing costs, PMI and lifetime interest.
Debt Payoff Planner
Compare the debt snowball and debt avalanche methods across all your balances. See your payoff date, total interest saved and a month-by-month payment schedule.
Life Insurance Calculator
Calculate how much life insurance your family actually needs using the DIME method plus income replacement. Get a coverage figure and a recommended term length.
Solar Savings Calculator
Estimate solar panel system size, upfront cost after incentives, payback period and 25-year savings using your actual electricity bill and local sun hours.
Invoice Generator
Create and download professional PDF invoices in under a minute. Multi-currency, tax and discount support, custom logo, and nothing ever leaves your browser.
SaaS Metrics
Calculate MRR, ARR, net revenue retention, churn, LTV, CAC payback and the Rule of 40 in one place. Benchmarked against real SaaS ranges investors expect.