calculators


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Snowball and Avalanche can cause different costs (increase in interest payments) depending on the kinds of debt, the size of debt and associated interest rates you have. This Snowball vs Avalanche Calculator/Simulator will allow you to determine the cost of the Snowball Method for paying off debt over the Avalanche Method. For more information behind this calculator you can check out the post I wrote about it Snowball vs. Avalanche: Which one is better for you? Not, which one is best? If you’re not sure what to enter feel free to click on one of three simulations I’ve added. Two […]

Online Snowball vs Avalanche Calculator


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There we have it, another year has passed and an interesting one it has been for us. This was the year I started this blog. It has been the first full year that I’ve been off of work and as a result we’ve tried to live by a fairly strict budget. We’ve had a shitty stock market and some serious medical expenses come our way but in the end we’re all doing just fine. The Blog It has been a year of blogging and writing for both me and my wife. January of this year I started this blog millionin10.com. […]

Millionin10 2015 in review



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This calculator was created in response to an article I read about what to do with extra money at the end of the month. Apply it to the Mortgage or invest it? I wrote an article explaining the exact numbers. This calculator can be used to figure it out for yourself. The extra payment you enter in this calculator will be applied at the start of the plan (not the start of the mortgage, unless those coincide). The calculator assumes that after you’ve paid off the mortgage, the entire mortgage payment along with the extra payment is redirected to investing. […]

Online Prepay Mortgage vs Invest Calculator


I haven’t written much about debt issues but browsing the web on Personal Finance I have seen many articles on the Snowball vs. Avalanche method applied to paying off debt. Both strategies have their proponents and opponents (some of them fierce). What I will try to show you in this post along with the simulator below it is, the question is not: Why one is better than the other? but rather: Why one might be better than the other for you. A quick guide to the different strategies: Both strategies apply to paying of multiple sources of debt and assume […]

Snowball vs. Avalanche: Which one is better for you? Not, ...



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Welcome to the Millionin10 retirement planner. This online version performs many of the excel calculator I released some time ago. I’ve also added some extra features such as adding a mortgage, emergency fund and college expenses to the calculator. All the information you enter in this calculator IS NOT stored online. I WILL NOT ASK YOU FOR YOUR EMAIL ADDRESS WHEN YOU CLICK CALCULATE. I will provide you the answers on this page. If you still don’t trust it and want to hide your date of birth, don’t deviate too much: retirement age and 401(k) withdrawal age are based on […]

Online Retirement Calculator


Calculate the savings you could make by switching to LED lights around your house. The upfront cost of LED lights may be daunting but in the long run they really make up for in savings. The calculator below lets you capture in great detail all the lights you use around your house. It will use your electricity price (or uses a default) and replaces each incandescent light bulb with its equivalent LED. After you’ve entered all the room information you can change additional parameters such as electricity prices, LED pricing and bulb longevity or simply scroll down to the Click […]

Online LED Savings Calculator



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It has been close to a year since I created this blog millionin10 with the lofty goal of inspiring you to build wealth the way we did. I was a salaried employee with wife, kids, two cats and a picket fence (not white). I also happened to be an expat that came to this country some 18 years ago with only $500 and a diploma in my pocket; We now have over a million. If we could do it, why can’t you? Since the start of this blog I’ve sold some copies of my book and written posts on topics […]

5 Keys to Building Wealth


Curious what it takes to retire? You can now download the comprehensive excel Millionin10 Retirement Calculator™. It will show you what it takes to retire. The spreadsheet will capture over 20 parameters that you can alter (think of them as dials that you can turn up and down). Best part yet IT IS FREE!!!! As you capture the initial parameters ranging from date of birth, start of plan and intended retirement age, a graph will show you exactly what funds will be available to you at time of retirement. When retirement kicks in, it will automatically start deducting money from […]

Millionin10 Retirement Calculator