https://figuro.net/blog/index.html Guides explaining the math and formulas behind Figuro's free online calculators. en-us https://figuro.net/blog/how-credit-card-payoff-is-calculated.html How credit card interest compounds daily, the math behind payoff time, and why paying only the minimum can take years and double your total cost. Sun, 23 Aug 2026 00:00:00 +0000 https://figuro.net/blog/how-credit-card-payoff-is-calculated.html https://figuro.net/blog/how-days-from-until-calculators-work.html How days-from and days-until date calculations work, why inclusive vs exclusive counting causes off-by-one confusion, and how leap years factor in. Sun, 23 Aug 2026 00:00:00 +0000 https://figuro.net/blog/how-days-from-until-calculators-work.html https://figuro.net/blog/how-the-quadratic-formula-works.html The quadratic formula explained step by step: where it comes from, how the discriminant tells you the type of solutions, and a full worked example. Sun, 23 Aug 2026 00:00:00 +0000 https://figuro.net/blog/how-the-quadratic-formula-works.html https://figuro.net/blog/how-unit-conversion-handles-cooking-measurements.html Why cooking conversions between cups, grams, and ounces aren't exact, the difference between weight and volume, and reliable conversion factors to use. Sun, 23 Aug 2026 00:00:00 +0000 https://figuro.net/blog/how-unit-conversion-handles-cooking-measurements.html https://figuro.net/blog/what-is-a-1-rep-max.html What one-rep max (1RM) means, why it's rarely tested directly, and the formulas (Epley, Brzycki) used to estimate it safely from lighter sets. Sun, 23 Aug 2026 00:00:00 +0000 https://figuro.net/blog/what-is-a-1-rep-max.html https://figuro.net/blog/what-is-tdee-and-how-is-it-calculated.html TDEE explained: how it's built from BMR and activity level, the Mifflin-St Jeor formula behind it, and how to use it to lose, maintain, or gain weight. Sun, 23 Aug 2026 00:00:00 +0000 https://figuro.net/blog/what-is-tdee-and-how-is-it-calculated.html https://figuro.net/blog/debt-consolidation-explained.html How debt consolidation works, the main methods available, and the math for deciding whether it will actually save you money. Wed, 19 Aug 2026 00:00:00 +0000 https://figuro.net/blog/debt-consolidation-explained.html https://figuro.net/blog/how-much-house-can-i-afford.html The rules of thumb lenders and financial planners use to estimate how much house you can afford, with a worked example. Wed, 19 Aug 2026 00:00:00 +0000 https://figuro.net/blog/how-much-house-can-i-afford.html https://figuro.net/blog/how-to-create-a-budget.html A simple step-by-step method for creating a monthly budget, using the 50/30/20 rule, with a worked example. Wed, 19 Aug 2026 00:00:00 +0000 https://figuro.net/blog/how-to-create-a-budget.html https://figuro.net/blog/mortgage-refinance-explained.html How mortgage refinancing works, the break-even math for deciding if it's worth the closing costs, and a worked example. Wed, 19 Aug 2026 00:00:00 +0000 https://figuro.net/blog/mortgage-refinance-explained.html https://figuro.net/blog/how-retirement-savings-calculators-work.html How retirement calculators project your nest egg, the future value formula behind them, and why starting even a few years earlier changes the outcome. Wed, 12 Aug 2026 00:00:00 +0000 https://figuro.net/blog/how-retirement-savings-calculators-work.html https://figuro.net/blog/how-sales-tax-is-calculated.html The sales tax formula, how to correctly work backward from a total price to the pre-tax amount, and why sales tax rates vary so much by location. Tue, 26 May 2026 00:00:00 +0000 https://figuro.net/blog/how-sales-tax-is-calculated.html https://figuro.net/blog/how-income-tax-brackets-work.html Why moving into a higher tax bracket doesn't tax all your income at that rate, plus marginal vs effective tax rate, and deductions vs credits. Tue, 19 May 2026 00:00:00 +0000 https://figuro.net/blog/how-income-tax-brackets-work.html https://figuro.net/blog/how-unit-conversion-works.html How conversion factors work, common length and weight conversions, and why converting between metric and imperial rarely produces clean numbers. Tue, 12 May 2026 00:00:00 +0000 https://figuro.net/blog/how-unit-conversion-works.html https://figuro.net/blog/how-calorie-calculators-work.html How BMR and TDEE are calculated using the Mifflin-St Jeor equation, how activity level factors in, and why calorie targets are estimates, not exact numbers. Tue, 05 May 2026 00:00:00 +0000 https://figuro.net/blog/how-calorie-calculators-work.html https://figuro.net/blog/how-personal-loan-payments-work.html The personal loan payment formula explained, the real difference between interest rate and APR, and why unsecured loans carry higher rates. Tue, 28 Apr 2026 00:00:00 +0000 https://figuro.net/blog/how-personal-loan-payments-work.html https://figuro.net/blog/password-entropy-explained.html What password entropy actually measures, why length matters more than complexity, and practical takeaways for generating genuinely strong passwords. Tue, 21 Apr 2026 00:00:00 +0000 https://figuro.net/blog/password-entropy-explained.html https://figuro.net/blog/how-to-simplify-fractions.html How to simplify any fraction using the greatest common divisor, plus how to add, subtract, multiply, and divide fractions. Tue, 14 Apr 2026 00:00:00 +0000 https://figuro.net/blog/how-to-simplify-fractions.html https://figuro.net/blog/how-date-calculators-work.html Why calendar math is trickier than it looks: inclusive vs exclusive day counting, leap years, and converting days to weeks, months, and years. Tue, 07 Apr 2026 00:00:00 +0000 https://figuro.net/blog/how-date-calculators-work.html https://figuro.net/blog/ideal-weight-formulas-explained.html The four most common ideal weight formulas explained and compared, why they produce different results, and what they leave out. Tue, 31 Mar 2026 00:00:00 +0000 https://figuro.net/blog/ideal-weight-formulas-explained.html https://figuro.net/blog/how-age-calculators-work.html How age is actually calculated from a birth date, why leap years affect day-based age calculations, and the special case of a February 29 birthday. Tue, 24 Mar 2026 00:00:00 +0000 https://figuro.net/blog/how-age-calculators-work.html https://figuro.net/blog/how-percentages-work.html A clear breakdown of percentage calculations: finding a percentage of a number, percentage change, percentage points vs percent, and reverse percentages. Tue, 17 Mar 2026 00:00:00 +0000 https://figuro.net/blog/how-percentages-work.html https://figuro.net/blog/how-gpa-is-calculated.html The GPA formula explained step by step, the difference between weighted and unweighted GPA, and how cumulative GPA changes over time. Tue, 10 Mar 2026 00:00:00 +0000 https://figuro.net/blog/how-gpa-is-calculated.html https://figuro.net/blog/standard-deviation-explained.html A plain-language explanation of standard deviation, the step-by-step calculation, and the difference between population and sample standard deviation. Tue, 03 Mar 2026 00:00:00 +0000 https://figuro.net/blog/standard-deviation-explained.html https://figuro.net/blog/how-pregnancy-due-dates-are-calculated.html How the standard 40-week due date formula works, why it starts from your last period instead of conception, and why so few babies arrive on the exact date. Tue, 24 Feb 2026 00:00:00 +0000 https://figuro.net/blog/how-pregnancy-due-dates-are-calculated.html https://figuro.net/blog/body-fat-percentage-explained.html How the US Navy circumference method estimates body fat percentage, typical healthy ranges by sex, and why it differs from BMI. Tue, 17 Feb 2026 00:00:00 +0000 https://figuro.net/blog/body-fat-percentage-explained.html https://figuro.net/blog/gross-vs-net-pay-explained.html The real difference between gross and net pay, how to convert between annual, monthly, weekly and hourly rates, and why job offers can be hard to compare. Tue, 10 Feb 2026 00:00:00 +0000 https://figuro.net/blog/gross-vs-net-pay-explained.html https://figuro.net/blog/how-auto-loan-payments-are-calculated.html A clear breakdown of the auto loan payment formula, why early payments are mostly interest, and which factors actually reduce your total interest cost. Tue, 03 Feb 2026 00:00:00 +0000 https://figuro.net/blog/how-auto-loan-payments-are-calculated.html https://figuro.net/blog/mortgage-payments-explained.html The amortization formula behind every fixed-rate mortgage payment, and why early payments go mostly toward interest rather than principal. Thu, 29 Jan 2026 00:00:00 +0000 https://figuro.net/blog/mortgage-payments-explained.html https://figuro.net/blog/compound-interest-explained.html The difference between simple and compound interest, why compounding frequency matters, and a worked example showing how the formula plays out. Thu, 22 Jan 2026 00:00:00 +0000 https://figuro.net/blog/compound-interest-explained.html https://figuro.net/blog/how-bmi-is-calculated.html A plain-language guide to the BMI formula, the standard weight categories, and the well-known limitations of BMI as a health measurement. Thu, 15 Jan 2026 00:00:00 +0000 https://figuro.net/blog/how-bmi-is-calculated.html