Formula Hub

The break-even point calculates the exact sales volume in units or revenue required to cover total operational expenses, yielding zero net profit and zero net loss.

The break-even selling price formula calculates the minimum price per unit required to cover all production costs for a target sales volume.

Compound Annual Growth Rate (CAGR) is the geometric progression ratio that provides a constant rate of return over a specified time period. It is one of the best tools for comparing investment returns across different assets (like mutual funds vs gold vs FDs) over multi-year horizons because it smooths out volatility.

Capital Gains Tax is levied on net profit realized from selling capital assets like shares, equity funds, debt funds, gold, or real estate. Holding period determines classification into Short-Term (STCG) or Long-Term (LTCG) gains.

Compound interest is the interest calculated on the initial principal, which also includes all of the accumulated interest from previous periods. Unlike simple interest, compound interest allows your money to grow exponentially because you earn interest on interest.

The Compound Savings Formula computes the total future wealth accumulated from an initial starting deposit (P) plus regular periodic additions (PMT) earning compound interest over time (t).

The Consumer Price Index (CPI) measures the average change over time in prices paid by urban consumers for a market basket of consumer goods and services.

The Credit Card Payoff Formula determines the exact number of months (N) required to liquidate a revolving credit card balance (B) at an annual interest rate (i) with a fixed monthly payment (P). Because interest compounds monthly on unpaid balances, making only minimum payments significantly extends the payoff timeline and inflates total interest costs. Paying even a small amount above the minimum drastically reduces N and cuts total interest paid.

The Debt Payoff Formula models the multi-debt elimination process using an amortization cascade. In every month t, interest accrues on outstanding loan balances. Mandatory minimum payments are made across all debts, while all extra funds and rolled-over payments from paid-off debts are funneled toward a single priority target debt. The priority order is determined by either the Debt Avalanche (highest APR first) or Debt Snowball (smallest balance first) method.

The discount formula calculates the price reduction on a product or service. By subtracting the discount amount from the original price, you get the final sales price.