Tag Archives: Excel

Loan and Mortgage Calculator

Loan and Mortgage Calculator Chart 3Almost everyone has to borrow money sometime. For example, if you are buying or already own a house or rental property, you will have to take out a mortgage and pay it down or if you buy a car on credit, you will have to pay some amount each month. Whenever you have to pay back a loan, you can use the spreadsheet provided to determine the payment amount, the interest you are paying each payment and how the loan amount decreases over time. You can also use it to evaluate different alternatives. You may be surprised how much is interest early in the loan. More

Canadian Marginal Tax Rates – 2016

Canadian Marginal Tax Rates - 2016 OntarioThis post provides the 2016 combined marginal and average tax rates as tables, charts and a downloadable spreadsheet for the Canadian federal government and all the provinces and territories. The Marginal Tax Rate is mentioned a lot when discussing incremental and retirement income. It is defined as the amount of tax paid on an additional dollar of income. It is sometimes difficult to determine this value as it changes by province and using a standard rate without regard to your province of residence can lead to erroneous results if you are not careful. More

Managing Expenses and Cash Flow – Part 4: Design

While creating the spreadsheet that is provided in Part 2, a number of tricks and guidelines were used that may be of interest to others. Specifically, obtaining the screenshots and making them download as fast as possible, creating line charts that stopped at the current month, deciding what colors to use to ensure there is no confusion when viewing and printing the charts, and the tradeoff between using a single sheet rather than multiple sheets to ensure that formulas are not modified. More

Using Yearly Rates to Compare Stocks Prices and Dividends

Using Yearly Rates to Compare Stock Prices and Dividends ChartWhile past performance is not a predictor of future returns, companies that have consistently meet their long-term yearly growth rate for stock price and dividends deserve close scrutiny. However, it is not always obvious which company’s combined yearly stock growth rate plus yearly dividend growth rate is better than that of another company. An Excel spreadsheet can be downloaded that takes the yearly stock price and dividends rates and projects the stock prices and dividends 5 years into the future, determines a final value using taxes and  charts them so you can easily compare companies. More

Determining Yearly Rates for Stock Prices and Dividends

There is a lot of information available to help you evaluate a stock you might be considering. The long-term yearly rate by which the stock price and dividends has increased (or decreased) is an important statistic that is not easy to find, without paying for the analysis. An Excel spreadsheet can be downloaded that you can use to generate this information. The resulting yearly rate for both the stock and dividends can be used in FinanceBase-Lifetime Finances to help project the long-term cash flow. More

Getting Excel to Chart Stair-step Values

Excel does not easily chart amounts that are constant over a range and abruptly change to another value (called a stair-step). It requires the use of the Scatter chart and some changes to how the data is arranged. This post describes how the charts for the Canadian Marginal Tax Rates – 2014 post were created in the hope that others can use the technique to deal with similar data. More

Canadian Marginal Tax Rates – 2014

This post provides the 2014 combined tax rates as tables and charts for the Canadian federal government and all the provinces and territories. The Marginal Tax Rate is mentioned a lot when discussing retirement income. It is defined as the amount of tax paid on an additional dollar of income. It is sometimes difficult to determine this value as it changes by province. This post shows the marginal and average rates for each tax bracket and provides a downloadable spreadsheet which also contains the charts for each province. More