John G. Hillman
Contributor specializing in quantitative finance, algorithm validation, mathematical modeling, and interactive web calculator architecture on CRDPay.
Articles Written by John G. Hillman
How to Calculate Overtime Pay: Rates, Formulas and Examples
A comprehensive, statutory guide to calculating overtime pay under the Fair Labor Standards Act (FLSA). Master time-and-a-half calculations, double-time rules,…
How to Create a Monthly Budget: A Practical Step-by-Step Guide
A comprehensive, actionable blueprint for building a sustainable monthly budget. Master the 50/30/20 framework, zero-based budgeting, tracking fixed versus variable…
APR vs APY: What’s the Difference and Why Does It Matter?
Demystify the critical differences between APR (Annual Percentage Rate) and APY (Annual Percentage Yield). Learn the conversion formulas, understand compounding…
How to Calculate Monthly Loan Payments: Formula and Examples
Master the standard amortization formula used by banks to calculate fixed monthly loan payments for mortgages, personal loans, and auto…
Simple Interest vs Compound Interest: Differences and Examples
Understand the mathematical and real-world differences between simple interest and compound interest. Includes exact formula derivations, visual comparison tables, and…
How to Calculate a Percentage of a Number: Formula and Examples
Learn the exact mathematical formulas to calculate a percentage of any number, calculate percentage increases or decreases, and reverse percentage…
How to Calculate Retirement Savings: Contributions, Growth and Inflation
A comprehensive actuarial and financial guide to calculating retirement savings. Master the 4% Safe Withdrawal Rule, future value compounding with…
How to Calculate Days Between Two Dates
A definitive guide to calculating the exact number of days between two calendar dates. Master leap year rules, day-count conventions…
ROI vs ROAS: Key Differences, Formulas and Examples
Master the critical strategic differences between ROI (Return on Investment) and ROAS (Return on Ad Spend). Learn exact formulas, profit…
Renting vs Buying a House: How to Compare the Real Costs
A comprehensive, quantitative guide to evaluating the true economic costs of renting versus buying a home. Compare mortgage interest, property…