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 used pickup truck for 10 years
Simulates buying a 10 year old truck with 120k miles on it for $7500. It is going to need tires and some engine work in the near future, plus keeping it on the road in tip top shape is going to cost more than a new truck.
Includes depreciation, insurance, gas, routine maintenance, major maintenance (tires, brakes, engine work, 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 $150 per year over the 10 years (this truck has some miles on it, will need random stuff fixed).
* big ticket maintenance items like tires, brakes, engine service, come to $3,400 over the 10 year period. Since it was never under warranty, there is some hidden risk of being hit with a really high maintenance bill. If the engine and transmission both fail, the maintenance budget would probably be much higher.
Gas represents ~42% of the cost of ownership ($16k of the total $38k 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 ~24%
Expenses:
Purchase Truck 7500
Gas 140
Insurance 75
Registration 50
Tires 1000
Routine Maintenance 150
Major service 1200
Major service 2 1200
Assets:
Truck 7500