Learn · Stage 4 · Calculate

Millionaire Math™

No spreadsheets. Just the questions that change decisions — answered in plain numbers.

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Question 1 is open as a demonstration

What is this credit card debt really costing me?

Balance ($)APR (%)Monthly payment ($)

$3,322 in interest over 4 yrs 8 mo

Total paid: $8,322

Adding $100/mo would change this — try it.

What is my time actually worth per hour?

Annual take-home ($)Hours worked per weekCommute + prep hours per week

$23 per real hour

Nominal rate: $27/hr

Every purchase is priced in these hours.

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How long until I reach a million at this pace?

Starting amount ($)Monthly contribution ($)Expected annual return (%)

34 years, 10 months

Contributed: $219,000

Growth did the rest: $781,000

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How much does 1% in interest cost me on a loan?

Loan amount ($)Rate offered (%)Term (years)

$61,616 more over the life of the loan

$1,663/mo at 7% vs $1,834/mo at 8%

This is what a stronger credit profile is worth.

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How much do I need to invest monthly to reach my goal?

Goal ($)Years to get thereExpected annual return (%)

$960 per month

Total contributed: $230,359

Growth covers: $269,641

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Should I take this business funding?

Amount ($)Total repayment ($)Expected added profit from using it ($)

Net gain of $68,000 if the plan holds

Cost of capital: $12,000 (24.0%)

Capital needs a job with a payback path you can explain.

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Millionaire Math™ is educational. Results use your inputs and simplified assumptions; they are not financial, investment, tax or lending advice and no outcome is guaranteed.