Finance
Monthly Budget Calculator: 50/30/20 Needs, Wants & Savings
Split net income with 50/30/20 or 70/20/10. Example $10,000 → $2,000/month savings ($24,000/year).
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General
Finance
Break-even: $50,000 fixed · $100/unit = 834 units ($83,400)
With $50,000 fixed costs, $100 price and $40 variable cost you need 834 units and $83,400 revenue (60% contribution margin).
Finance
Inventory reorder point calculator
Calculate when to reorder from daily demand, lead time, and safety stock.
Finance
Quetzales to Dollars (GTQ → USD): Q100, Q300, Q100,000
Convert Guatemalan quetzales (GTQ) to US dollars (USD) with preset amounts and live Banguat reference.
Finance
50/30/20 Calculator: needs, wants & savings (e.g. $10,000 → $2,000)
Split net income: 50% needs, 30% wants, 20% savings. Example $10,000 → $5,000 / $3,000 / $2,000 ($24,000/year).
Finance
Debt-to-Income Ratio (DTI) Calculator
Calculate DTI from gross income and monthly payments to see loan or mortgage capacity
Finance
Rental Yield: 500k · 3,500/mo = 8.40% gross / 5.58% net
With a 500,000 property, 3,500/month rent, 12,000 expenses and 5% vacancy: 8.40% gross, 5.58% net (Cap Rate), 2,325 monthly net income and ~17.9-year payback.
Finance
Business profitability: $500,000 → 30% net margin (50% ROI)
With $500,000 revenue, $200,000 COGS, $150,000 opex and $300,000 investment: 60% gross margin, 30% net, 50% ROI and $250,000 break-even.
Finance
IGSS pension: age 58 / 12 years / Q8,000 → not yet (96 contributions short)
Defaults: age 58 and 144 contributions. You still need 2 years of age and 96 contributions. Same-pay projection is Q4,160/month. Confirm at igssgt.org.