Home Budget Tracker - helps you manage day to day spending. Use it to input receipts, track account balances, stick to your budget, and reconcile statements. Designed to be used by individuals and couples on the go at any stage of life.
Net Worth Dashboard - where you organize your overall investment portfolio across all your accounts. It computes your current asset allocation (% stocks, % bonds) and compares that to your goals. Assets with publicly traded ticker symbols (stocks, ETFs, and mutual funds) get automatic price updates. Also supports "off line" assets like private funds, individual bonds, and even collectibles.
Income Spending Simulator - projects the course of your financial life. It is useful when considering career changes, major lifestyle choices and retirement (how soon and how wealthy). For numbers oriented people it can be fun to play with as it is designed to be open-ended. The compare mode shows you what a specific change would have on cash flow, asset appreciation, and ending net worth.
Total cost of owning a pickup truck for 10 years - pay in cash
If you pay cash for a $35,000 truck, over ten years the total cost is ~$57,000 and it would be worth about $7,000 (at 15% per year depreciation).
Includes depreciation, insurance, gas, routine maintenance, major maintenance (tires, brakes, etc).
Assumptions:
* truck is driven 10k miles/year
* gets 18 mpg
* gas is $3/gallon
* annual registration is $50 / year (that may be way too low for some states)
* insurance is $75/month (you're a good driver without any speeding tickets right?)
* oil changes / routine maintenance are on average $100 per year over the 10 years
* big ticket maintenance items like tires, brakes, engine service, come to $2,000 over the 10 year period. A new truck would be under warranty at first. Compared to depreciation this is a small part of the picture.
Gas represents 25% ($16k of the total $64k out of pocket). In this simulation the price of gas is fixed, so there is a hidden risk if gas prices go up.
Insurance is 14%
Expenses:
Purchase Truck 35000
Gas 140
Insurance 75
Registration 50
Tires 1000
Routine Maintenance 100
Major service 1000
Assets:
Truck 35000