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Auto Total Cost of Ownership
Adds purchase, fuel, maintenance, and insurance, less resale value.
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Rental property deal analysis
Run these in order to underwrite a rental or commercial deal end to end.
- 1Net Operating IncomeStart with income minus operating expenses.
- 2Capitalization RateTurn NOI into a market value / yield check.
- 3Property Value from NOIEstimate value from NOI and a target cap rate.
- 4Loan-to-Value RatioSize the loan against that value.
- 5Monthly Amortization PaymentCompute the monthly debt payment.
- 6Debt Service Coverage RatioConfirm the deal covers its debt.
- 7Cash-on-Cash ReturnMeasure the cash yield on your money in.
- 8Return on InvestmentFinish with the overall return.
Suggested roadmap
Buying a house
Size the loan, the monthly payment, and the all-in cost before you buy a home.
- 1Loan-to-Value RatioWork out your down payment and loan size for the home.
- 2Monthly Amortization PaymentEstimate the monthly mortgage payment.
- 3True Cost of a PurchaseAdd tax, closing fees, and total interest on top of the purchase.
- 4Appreciation RateProject how the home's value could grow over time.
Suggested roadmap
Buying a car
Work out what a vehicle really costs before you sign.
- 1True Cost of a PurchaseAdd tax, fees, and financing interest to the price.
- 2Monthly Amortization PaymentEstimate the monthly loan payment.
- 3Auto Total Cost of OwnershipTotal fuel, maintenance, and insurance, less resale.
- 4Mileage ReimbursementIf used for business, value the mileage.
Suggested roadmap
Big personal purchase
Decide whether a collectible or big-ticket buy makes sense.
- 1True Cost of a PurchaseFind the true all-in cost.
- 2Purchase Resale ROIEstimate resale return if it holds value.
- 3Return on InvestmentCompare against a plain investment return.
Suggested roadmap
Price a product or service
Set a price that covers cost, hits your margin, and pays back fixed costs.
- 1Price from MarkupStart from cost and add a markup.
- 2Gross Profit MarginCheck the margin that price actually leaves.
- 3Break-Even UnitsSee how many units cover fixed costs.
- 4Customer Lifetime ValueWeigh the lifetime value each customer brings.
Suggested roadmap
Estimate and bid a job
Build a job estimate from materials and labor, then bid and check the margin.
- 1Material Cost with WasteTotal materials with a waste allowance.
- 2Labor CostAdd crew labor cost.
- 3Bid PriceMark up cost into a bid price.
- 4Job Profit MarginConfirm the margin on that bid.
Suggested roadmap
Marketing agency owners
The four numbers agency owners check to keep clients and campaigns profitable.
- 1Customer Acquisition CostFind what it costs to win each new customer.
- 2Return on Ad SpendCheck the revenue each ad dollar brings back.
- 3Marketing ROIMeasure how well traffic turns into customers.
- 4Conversion RateSee which clients are actually worth keeping.
- 5Client ProfitabilitySee which clients are actually worth keeping.
Suggested roadmap
Run a coffee, tea, or food shop
The core numbers a small food or retail franchise watches to stay in the black.
- 1Gross ProfitStart with revenue minus cost of goods sold.
- 2Profit MarginSee how much of each sales dollar you keep.
- 3Break-Even SalesFind the sales needed to cover fixed costs.
- 4Labor Cost PercentageKeep wages in check against sales.
- 5Inventory TurnoverTrack how fast stock sells through.