Statistics & Finance

Statistics is the study of how much you are allowed to conclude. Every tool here answers a version of one question: given this much data, what could still be a coincidence?

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Chapters

Short sequences rather than single tools. Each step hands the next one something specific, so they are worth doing in order.

Problems solved in full

What you find out here

Articles written from these tools

Every tool on this shelf

Finance & Economics

Annuity Future Value
See how regular deposits compound into wealth over time — balance, contributions, and annual growth in one chart.
Bills, Notes and Bonds: What a Yield Does to a Price
Price a Treasury bill, note or bond from its yield and see every discounted cash flow. Why the 30-year lost 5.72% in 2026 while its yield moved 38 basis points, and the 2-year lost 1.71% on a move of 90.
Compound Interest Explorer
Explore compound growth with principal, rate, years, and compounding frequency. Compare standard compounding to continuous compounding on a live graph.
Demography + Economics Lab
Interactive population-economy simulator with equation-driven insight and scenario decomposition.
Drawdown and Volatility Drag
How far a portfolio fell below its high-water mark, what it takes to climb back, and the return that volatility quietly costs you even in a good decade.
Inflation Adjuster
See how inflation erodes purchasing power and inflates nominal values over time.
Linear Programming (2D)
Visualize constraints, feasible regions, and corner-point optimization in two dimensions.
Loan Payment Calculator
Estimate monthly payment, total interest, and amortization schedule for fixed-rate loans.
Markup vs Margin
Compare markup and margin from cost and selling price.
Portfolio Diversification Check
See whether a portfolio is spread across assets that behave differently, using snapshot-based correlations and volatility.
Real Return After Tax
Interest is taxed on the whole nominal amount, inflation included. Set what the account pays, what prices do and what the tax takes, and read the share of your real gain that actually leaves. Whenever prices are rising it is larger than the rate on the form, and it can pass 100%.
Rebalancing vs Letting It Drift
Compare selling the winner back to target every year against never touching it, on real returns from 1928 — and see which one is really being compared.
Risk Premia and How Sure You Can Be
Four premia investors are told they are paid for, measured on 98 years of returns — with the statistical certainty attached to each, which is usually far less than the average suggests.
Sequence of Returns
See why two portfolios with the same average return can end up worlds apart, using real annual returns from 1928 onward.
Simple vs Compound Interest
Compare final value under simple interest and compound interest for the same principal, rate, and horizon.
Supply-Demand Shock Simulator
Shift supply and demand curves and observe equilibrium.
Tax bands: marginal and effective rates
What a band system does to take-home pay: the rate charged on your next unit of income, the rate you actually paid on all of it, and the withdrawals that pull the two apart.
The Efficient Frontier, Out of Sample
Fit a mean-variance efficient frontier on one stretch of history, hold those weights through the next, and watch where they actually land — usually inside the curve that promised them.
Unit Pricing
Cost per unit across pack sizes, and the two things a shelf does to make that comparison awkward. "50% extra free" is not a 50% discount, and the bigger box is not reliably cheaper.
Related categories: Mathematics, Computing