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NumLuma Formula Library

The math behind
the answer.

Understand the relationship first, then open the calculator when you want to test your own numbers.

15 formula references5 fields · worked examples · variable definitions · common mistakes
01Everyday

Percentage Formula

Percentage amount = (percentage ÷ 100) × base value

Learn the percentage formula, how to find X% of a number, how to reverse a percentage, and how the variables relate.

Understand the formula ↗
02Everyday

Percentage Change Formula

Percentage change = ((new value − original value) ÷ |original value|) × 100

Understand the percentage increase and decrease formula from an original value to a new value.

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03Business

Profit Margin Formula

Profit margin % = ((revenue − cost) ÷ revenue) × 100

Learn the profit margin formula, the difference between profit and margin, and how revenue and cost affect the result.

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04Business

Markup Formula

Markup % = ((selling price − cost) ÷ cost) × 100

Learn the markup formula and why markup percentage is different from profit margin.

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05Business

Break-Even Formula

Break-even units = fixed costs ÷ (price per unit − variable cost per unit)

Learn the break-even units formula using fixed costs, selling price and variable cost per unit.

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06Business

ROI Formula

ROI % = ((final value − investment) ÷ investment) × 100

Learn the return on investment formula and how gain or loss is measured relative to the amount invested.

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07Business

ROAS Formula

ROAS = revenue attributed to ads ÷ ad spend

Learn the return on ad spend formula and how attributed revenue relates to advertising spend.

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08Money

CAGR Formula

CAGR = (ending value ÷ beginning value)^(1 ÷ years) − 1

Learn the compound annual growth rate formula for converting beginning value, ending value and time into an annualized growth rate.

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09Money

Compound Interest Formula

A = P(1 + r ÷ n)^(n × t)

Learn the compound interest formula using principal, annual rate, compounding frequency and time.

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10Money

Simple Interest Formula

Interest = principal × annual rate × years

Learn the simple interest formula for principal, annual rate and time.

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11Money

Mortgage Payment Formula

Payment = P × r(1+r)^n ÷ ((1+r)^n − 1)

Understand the fixed-rate mortgage principal-and-interest payment formula and the variables behind the monthly payment.

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12Money

Loan Payment Formula

Payment = P × r(1+r)^n ÷ ((1+r)^n − 1)

Learn the fixed-payment loan formula used for amortizing installment loans.

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13Work

Hourly to Salary Formula

Annual gross pay = hourly rate × hours per week × working weeks per year

Learn how hourly rate, hours per week and working weeks per year combine into estimated annual gross pay.

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14Everyday

Discount Formula

Sale price = original price × (1 − discount ÷ 100)

Learn how to calculate discount amount, sale price and percent off from an original price.

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15Math

Average Formula

Average = sum of values ÷ number of values

Learn the arithmetic mean formula and how sum and count determine the average of a set of numbers.

Understand the formula ↗