Stop Guessing. Run the Numbers.

A Guide to BFG Wealth Management’s Financial Calculators

How much income can your portfolio support? How would your wealth grow under different assumptions? Would paying off a loan improve your cash flow enough to justify using the capital?

These decisions deserve more than a rough estimate. Our Financial Calculators help you run the numbers, compare your options, and see how each choice could affect your broader financial picture.

The page includes five tools covering investment growth, income sustainability, borrowing, debt comparisons, and loan payoff. Here’s how to use them and what the results actually tell you.

Start With Your Current Situation

Click a calculator’s title or the + symbol to open it. Replace the sample figures with your own, select the appropriate settings, and click Calculate. Reset restores the sample inputs.

Run your current situation first. Then change one variable at a time.

If you change the contribution, return assumption, and timeline all at once, you’ll get a different result, but you won’t know which change mattered most. Comparing scenarios methodically helps you identify the decisions that deserve your attention.

Future Value: See Where Your Current Approach Could Take You

Having a substantial portfolio doesn’t mean you should stop evaluating how it grows. Your contributions, investment performance, and timeline still affect what your assets could eventually support.

The Future Value Calculator lets you explore that from two directions.

Project Your Future Balance

Under Solve for, select Future Value. Enter your starting amount, monthly or annual contribution, assumed annual return, and number of years.

The results show:

• Estimated future value

• Total contributions, including your starting amount

• Estimated growth

That breakdown matters. It separates the capital you supply from the growth your assumptions produce.

Start with your existing approach. Then test a lower return, a different contribution, or a shorter timeline. You may find that reaching a goal depends more on consistent contributions than you expected, or that your current assets give you more flexibility.

Work Backward From a Goal

Select Contribution Amount to estimate what you would need to contribute to reach a target.

Enter your starting amount, target future value, contribution frequency, assumed annual return, and years. The calculator solves for the required monthly or annual contribution.

This is useful when you’re evaluating a retirement date, a future purchase, or how much additional capital you want available down the road.

The calculator assumes contributions at the end of each month or year, depending on your selection. Taxes, fees, and inflation are not automatically deducted. An assumed return is an input for exploring a scenario, not a promised outcome.

Income Sustainability: Understand What Your Assets Can Provide

A portfolio balance tells you what you have. It doesn’t tell you how much you can withdraw, how long the money could last, or how changing income needs affect the plan.

The Income Sustainability Calculator includes two modes: Investment Portfolio and Real Estate.

Investment Portfolio

Enter your current portfolio value, first-year annual withdrawal, expected annual return, annual withdrawal increase, and planning period.

The withdrawal increase allows you to model rising income needs. If you enter 2.5%, for example, the modeled withdrawal increases by that percentage each year.

Click Calculate to see whether the portfolio remains above zero throughout the selected period or is depleted during a particular year. The results also show ending portfolio value, cumulative withdrawals, and starting withdrawal rate.

Start with the income you expect your portfolio to provide after accounting for other sources. Then test what happens if you need more, returns are lower, or the money needs to last longer.

Don’t build your plan around the most favorable result. Find out how much room you have when the assumptions change.

The model applies a constant annual return before subtracting each year’s withdrawal. Actual markets fluctuate, and losses early in retirement can materially affect sustainability. Use the result as a starting point for evaluating your income strategy.

Real Estate

Select Real Estate to project property value and rental income over time.

Enter current property value, annual net rental income, expected appreciation, expected rent growth, and years.

The results show current net income yield, projected property value, projected annual rental income, cumulative rental income, and property value plus cumulative income.

This helps you examine both sides of an income-producing property: the asset’s potential value and the cash it could generate along the way.

Be realistic about the income you enter. Gross rent is not the amount you keep. Use a net figure that reflects the expenses you intend to account for.

The calculator grows that income figure; it does not separately estimate vacancies, repairs, taxes, insurance, or mortgage payments. It also does not subtract debt from property value. The combined value-and-income result adds projected property value to cumulative income received, without assuming that income was reinvested.

New Loan: Evaluate the Cost of Keeping Your Capital Invested

Even with significant assets, borrowing can be part of a financial decision. The question is whether the obligation makes sense alongside your investments, liquidity needs, and other goals.

The New Loan Calculator lets you solve for whichever variable you need:

Solve for	Enter these known values
Monthly Payment	Loan amount, interest rate, and term
Interest Rate	Loan amount, monthly payment, and term
Loan Amount	Monthly payment, interest rate, and term
Term Length	Loan amount, interest rate, and monthly payment

Choose the missing variable, enter the other three, and click Calculate. You’ll see the result, estimated total interest, and estimated total payments.

Use it to compare repayment periods, evaluate a proposed payment, or determine how much borrowing a particular payment would support.

Look at the monthly obligation and total cost together. A smaller payment may preserve cash flow while extending the debt and increasing interest expense.

The payment represents principal and interest only. Add taxes, insurance, association dues, and other applicable expenses separately.

The tool models a standard amortizing loan. It does not determine loan approval or calculate an APR that incorporates lending fees.

Relative Yield: Compare the Cash Flow Benefit of Paying Off Debt

When deciding which debt to eliminate, interest rates are one part of the comparison. Another is how much cash flow the payoff would release relative to the capital required.

The Relative Yield Calculator measures:

Annual payment ÷ Remaining balance × 100

Enter a name, remaining balance, payment frequency, and payment amount for each loan. Use Add Additional Loan to include more debts, then click Calculate.

The calculator converts monthly payments into annual amounts and ranks the loans from highest to lowest relative yield.

A higher relative yield means more annual payment relief per dollar used for a full payoff. That can be useful when your priority is reducing obligations before retirement or freeing up cash for other purposes.

As a loan balance declines while its payment stays the same, relative yield rises. A debt that once seemed like a low priority may become worth another look.

But be clear about what the number means. Relative yield includes principal repayments as well as interest. It measures cash flow relief, not an investment return or an interest savings rate.

Use payment amounts that would actually disappear after payoff. Property taxes and insurance generally continue after a mortgage is paid off. Consider the ranking alongside interest costs, payoff restrictions, and the liquidity you would retain.

Loan Payoff: Measure What Additional Payments Accomplish

If you’re considering using excess cash or a portion of your assets to reduce debt, quantify the benefit first.

The Loan Payoff Calculator compares normal repayment with several alternatives:

• Extra monthly payments

• Extra annual payments

• A one-time extra payment

• Biweekly repayment

Enter your current balance, interest rate, and monthly principal-and-interest payment. Select a repayment option, enter the additional amount where required, and click Calculate.

The results show estimated interest savings, time saved, and the new payoff time.

Compare a recurring extra payment with a lump sum. You may find that a manageable change meaningfully shortens repayment, or that a large commitment of capital produces less benefit than you expected.

Payoff timing is calculated from the balance, rate, and payment. Extra annual payments are applied every twelfth month, and a one-time payment is applied in the first modeled month.

The biweekly option approximates one additional monthly payment per year, spread across the monthly calculations. Actual lender processing may differ.

Before implementing a strategy, confirm how your lender applies extra payments and whether prepayment restrictions apply.

Turn the Results Into a Decision

The calculators help you put numbers behind your options. The next step is deciding how those options fit together.

A faster payoff may improve monthly cash flow while reducing accessible reserves. A larger contribution may strengthen a future goal while limiting what you can use today. A withdrawal projection may reveal that your income expectations need adjusting.

Run your current situation. Test alternatives. Keep track of the assumptions behind each result.

Then look at the whole picture: your portfolio, income needs, debt, taxes, and the capital you want available for future opportunities.

You’ve worked hard to build your wealth. Make sure the decisions around it are working toward your goals. Contact BFG Wealth Management to discuss your portfolio and how we can help you turn these calculations into a coordinated investment and wealth management strategy.

All calculator results are estimates for general planning purposes only and are not personalized investment, tax, legal, or lending advice. Hypothetical projections do not guarantee future outcomes.