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Glossary
Plain-language definitions for the 102 financial terms used across our calculators.
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A
B
C
D
E
F
G
H
I
K
L
M
N
O
P
R
S
T
U
W
Z
#
"
"Unpayoffable" budget
A
Accumulation phase
All-items basis
Amortization
Amortization schedule
Amortizing payment
Annual Percentage Rate (APR)
Annualization basis
Annualized Return
APR vs. daily periodic rate
APY (Annual Percentage Yield)
B
Back-end ratio (total DTI)
Binding constraint
Biweekly vs. semi-monthly
Blended rate
Break-even year
C
CAGR (Compound Annual Growth Rate)
COLA (cost-of-living adjustment)
Comfort band
Compound interest
Compounding
Compounding frequency
D
Debt avalanche
Debt snowball
Debt-free date
Decumulation
Discretionary income
DRIP (Dividend Reinvestment)
E
Early repayment charge (ERC)
Effective annual rate (EAR)
Emergency fund
Equal-budget method
Equivalent salary
Escrow (in this context)
Exempt vs. non-exempt
F
FHA MIP (mortgage insurance premium)
Fixed vs. variable expenses
FLSA overtime
Front-end ratio (housing ratio)
Funded ratio
Future value (FV)
G
Geary multilateral index
Gross pay
H
High-Yield Savings Account (HYSA)
Holding Period
Home equity
Hourly, annualized
I
Inflation-adjusted (real) dollars
Interest saved
Interest-only payment
Intra-month rollover
IRR (Internal Rate of Return)
K
Keep-pace salary
L
Lifestyle creep
Loan term
Loan-to-value (LTV)
LTV-threshold (the neither-branch gap)
M
Minimum payment
Money-Weighted Return (MWR)
Mortgage amortisation
N
Nest egg
Net worth (in this calculator)
Nominal rate
Nominal vs. real return
O
Opportunity cost of the down payment
Ordinary annuity (end-of-period contributions)
Outpaces / keeps pace / trails
P
Pay period
PITI
PMI (private mortgage insurance)
Prepayment
Price-to-rent ratio (PTR)
Principal (investment)
Principal (loan)
Promotion (step-change)
R
Raise percentage
Refinance
Refinance breakeven point
Regional Price Parity (RPP)
Regular rate of pay
Rents basis
Required monthly contribution (Mode B)
ROI (Return on Investment)
Rule of 25
Rule of 72
S
S&P 500 Historical Assumption
Safe withdrawal rate (SWR)
Savings rate
Selling costs
Sequence-of-returns risk
Sinking fund
Social Security break-even
Starting balance (lump sum)
Surplus and overspend
T
Take-home pay
Time value of money
Total Return
U
Underwater loan
W
Workweek
Z
Zero-based budget
#
5% rule
50/30/20 rule