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Five working models. Every assumption is visible. All values are hypothetical.
How the rate and repayment period change a fixed-rate loan.
Total repaid: 11,322.74 currency units.
Fixed nominal annual rate, monthly repayments and monthly interest. No fees, taxes, insurance or payment delays. Existing fixed-rate loans keep their agreed rate; this explores a new loan.
Separate money you put in from hypothetical investment growth.
| Year | Total value | Contributions | Growth |
|---|---|---|---|
| 0 | 10,000 | 10,000 | 0 |
| 1 | 11,739.5 | 11,200 | 539.5 |
| 2 | 13,568.01 | 12,400 | 1,168.01 |
| 3 | 15,490.06 | 13,600 | 1,890.06 |
| 4 | 17,510.44 | 14,800 | 2,710.44 |
| 5 | 19,634.2 | 16,000 | 3,634.2 |
16,000 contributed. 3,634.2 in hypothetical growth.
A constant nominal annual rate divided by twelve, compounded monthly. Contributions arrive at the end of each month. No fees, taxes or inflation. Negative rates illustrate losses. These are hypothetical returns, not a forecast.
Explore the difference between prices and purchasing power.
The same basket would cost 11,592.74 currency units then.
A constant annual price change, compounded annually. Money earns no interest. Purchasing power is measured in today’s currency units. Negative inflation means falling prices. Your actual spending basket may differ.
Shift a curve and see a simplified market find a new equilibrium.
Equilibrium quantity 30
Equilibrium price 50
Higher demand intercept shifts demand outward. Higher supply intercept represents higher costs and shifts supply upward.
At equilibrium: demand price = 80 − 30 = 50; supply price = 20 + 30 = 50.
A simplified competitive market: demand P = D − Q and supply P = S + Q. Units are illustrative. Slopes are held fixed; intercept controls shift curves, while the equilibrium moves along the other curve. Real markets may not adjust immediately or follow straight lines.
See what a currency change means for a foreign-currency purchase.
When the local-per-foreign quote rises, the same foreign-price import costs more locally, all else equal.
The quote is local currency per one foreign unit. Local cost = foreign price × that quote. The comparison uses an illustrative quote of 150. No shipping, taxes, fees or hedging. These are hypothetical values, including the Jamaica example; they are not current exchange rates.