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Market references, cash-flow models and visual financial analysis in one working desk.

Intraday spot indications

Gold & silver

30-second updates · source times shown
Gold XAU/USD$3,983.00USD / troy ounceLast available quote · update pending
Silver XAG/USD$50.83USD / troy ounceLast available quote · update pending
Quote details

Spot indications from Gold API, checked every 30 seconds while this tab is visible. Each timestamp is the provider’s last retrieval, not a guaranteed exchange tick. Markets may pause on weekends or holidays. A troy ounce is 31.1035 grams. Physical dealer offers include separate spreads and premiums. Daily reference charts below use a different dataset; they are not intraday price histories.

Daily references Published daily · observation dates shown

Daily references · Checked 2026-10-30 07:45 UTC. Observation dates shown.

Published data

Reference explorer

Full market desk

Published daily reference

EUR / USD

1.11636USD per EUR

Reference date
2026-10-30
Change vs 2026-10-29
+0.04%
Reference historyUSD per EUR · actual publication dates
1.109051.142061.175082026-07-292026-10-30

Expanded value scale; zero may be outside the view. Axis k = 1,000 and M = 1,000,000. Lines connect published observations across calendar time. Missing dates are not filled with invented values.

Observation table · 94 published dates
EUR / USD · USD per EUR
Observation dateReference value
2026-10-301.11636
2026-10-291.11593
2026-10-281.11544
2026-10-271.11749
2026-10-261.12119
2026-10-251.12160
2026-10-241.12179
2026-10-231.12197
2026-10-221.12362
2026-10-211.12310
2026-10-201.12276
2026-10-191.12328
2026-10-181.12390
2026-10-171.12367
2026-10-161.12315
2026-10-151.12010
2026-10-141.11981
2026-10-131.11966
2026-10-121.12022
2026-10-111.12193
2026-10-101.12193
2026-10-091.12169
2026-10-081.12037
2026-10-071.12312
2026-10-061.12377
2026-10-051.12309
2026-10-041.12793
2026-10-031.12846
2026-10-021.12909
2026-10-011.13267
2026-09-301.13518
2026-09-291.13648
2026-09-281.13954
2026-09-271.13987
2026-09-261.13977
2026-09-251.13958
2026-09-241.13941
2026-09-231.14397
2026-09-221.14776
2026-09-211.14809
2026-09-201.14878
2026-09-191.14891
2026-09-181.14903
2026-09-171.15035
2026-09-161.15493
2026-09-151.15456
2026-09-141.15745
2026-09-131.16085
2026-09-121.16100
2026-09-111.16128
2026-09-101.16348
2026-09-091.16353
2026-09-081.16195
2026-09-071.16158
2026-09-061.16249
2026-09-051.16244
2026-09-041.16234
2026-09-031.16007
2026-09-021.15859
2026-09-011.15989
2026-08-311.16128
2026-08-301.16435
2026-08-291.16471
2026-08-281.16485
2026-08-271.16546
2026-08-261.16722
2026-08-251.16649
2026-08-241.16777
2026-08-231.16869
2026-08-221.16859
2026-08-211.16846
2026-08-201.16558
2026-08-191.16012
2026-08-181.15757
2026-08-171.15869
2026-08-161.15541
2026-08-151.15519
2026-08-141.15484
2026-08-131.15387
2026-08-121.15395
2026-08-111.15500
2026-08-101.15501
2026-08-091.15380
2026-08-081.15375
2026-08-071.15380
2026-08-061.15469
2026-08-051.15447
2026-08-041.15138
2026-08-031.15164
2026-08-021.15035
2026-08-011.15006
2026-07-311.14973
2026-07-301.14490
2026-07-291.13877
Data & methodology

Sources: Frankfurter blended daily references for currencies and gold; U.S. Energy Information Administration for WTI and Brent spot assessments. Changes compare consecutive observations, not 24-hour trading. Some currency pairs use reciprocal USD-base rates.

Source: U.S. Energy Information Administration · WTI. Release: 2026-10-28; observation: 2026-10-27; retrieved: 2026-10-30 07:45 UTC.

Source: U.S. Energy Information Administration · BRENT. Release: 2026-10-28; observation: 2026-10-27; retrieved: 2026-10-30 07:45 UTC.

Frankfurter retrieved: 2026-10-30 07:45 UTC. Reference dates are shown beside each value.

TWSE end-of-day cash-share prices in TWD and TAIEX index points. Unadjusted close-to-close changes are calculated from the displayed sessions, not total returns. Source: Taiwan Stock Exchange, under the Open Government Data License 1.0; stock dataset and index dataset. The US TSM ADR and Taiwan 2330 share are different securities.

US research values: A-Share Data API, US market endpoint. Only prior New York calendar dates are retained (T+1 or older), with hourly shared checks. The provider supplies daily last values without an exchange tick timestamp. Exact exchange latency and price-adjustment basis are unspecified; percentage changes compare consecutive provider sessions and are not total returns. Nasdaq Composite is not Nasdaq-100. Historical windows are replaced together to avoid mixing adjustment vintages.

Interactive scenario desk

See what changes the outcome.

Editable USD examples. Transparent models, not market forecasts.

Set the inputs

Compound interest

Showing the editable example. Inputs are not saved to a profile.

Full method, tables & CSV
Projected final balance
47,526.55USD
Total contributed
34,000.00USD
Modeled interest
13,526.55USD
Monthly deposit
200.00USD

03 / Visual evidence

The scenario over time

Vertical scale: USD. Horizontal scale: Year. Lines join the calculated points; no probability is implied.

  • Projected balance
  • Total contributed
0.0023.8k47.5kProjected balanceProjected balance: 10,000.00 USD at Year 0Projected balance: 47,526.55 USD at Year 10Total contributedTotal contributed: 10,000.00 USD at Year 0Total contributed: 34,000.00 USD at Year 10010

Shared value scale; zero is included. These are modeled scenarios using your assumptions, not observed market data. The table provides every plotted value.

Model assumptions & formula

The entered rate is nominal annual interest compounded monthly. Deposits occur at month end. Rates and deposits stay constant; taxes, fees, withdrawals and market volatility are excluded. This is not a return forecast.

Monthly rate r = annual nominal rate / 12. Each month: balance = previous balance × (1 + r) + deposit.

Investor.gov: compound interest and regular contributions

Set the inputs

Loan repayment

Showing the editable example. Inputs are not saved to a profile.

Full method, tables & CSV
Monthly principal & interest
396.02USD
Total interest
3,761.44USD
Total payments
23,761.44USD
Repayment period
60months
Interest plus upfront fees
3,761.44USD
Total cash paid including fees
23,761.44USD
Interest saved versus no extra payment
0.00USD
Months saved
0months

03 / Visual evidence

The scenario over time

Vertical scale: USD. Horizontal scale: Year. Lines join the calculated points; no probability is implied.

  • Remaining principal
0.0010.0k20.0kRemaining principalRemaining principal: 20,000.00 USD at Year 0Remaining principal: 0.00 USD at Year 505

Shared value scale; zero is included. These are modeled scenarios using your assumptions, not observed market data. The table provides every plotted value.

Model assumptions & formula

Fixed nominal annual interest with monthly accrual and end-of-month payments. The scheduled payment covers principal and interest. Optional fees are paid separately at the start, not financed. Optional extra payments reduce principal each month; no prepayment penalty is assumed. Taxes, insurance and escrow are excluded; the entered rate is not a fee-inclusive APR. Calculations retain internal precision; lenders may round each period differently.

Payment = P × r / [1 − (1 + r)^(−n)], where r is the nominal annual rate / 12 and n is the number of monthly payments. At zero interest, payment = P / n.

CFPB: how paying down a mortgage works

Set the inputs

Cash-flow planner

Showing the editable example. Inputs are not saved to a profile.

Full method, tables & CSV
Monthly net cash flow
700.00USD
Projected closing cash
14,400.00USD
Total income in the period
48,000.00USD
Total expenses in the period
39,600.00USD

03 / Visual evidence

The scenario over time

Vertical scale: USD. Horizontal scale: Month. Lines join the calculated points; no probability is implied.

  • Available cash / shortfall
0.007.2k14.4kAvailable cash / shortfallAvailable cash / shortfall: 6,000.00 USD at Month 0Available cash / shortfall: 14,400.00 USD at Month 12012

Shared value scale; zero is included. These are modeled scenarios using your assumptions, not observed market data. The table provides every plotted value.

Model assumptions & formula

All monthly income and costs are received or paid by month end and remain constant. Intra-month bill timing, interest, borrowing, taxes not entered as expenses and unexpected costs are excluded. A negative balance represents an unfunded shortfall, not an available overdraft.

Monthly net cash flow = income − essential expenses − other expenses. End-of-month cash = opening cash + month number × monthly net cash flow.

CFPB: budgeting and cash-flow resources

Original scenario analysis

Six questions. Different ways to see the answer.

Every chart below uses a stated hypothetical case. Open its assumptions and table before applying it to another situation.

All financial analysis

Growth paths / Hypothetical

Simple interest or compounding?

Figure 01The numbers, visualizedAn untouched deposit under two growth rules

Year-end value (USD), USD 8,000 start, 3% annual rate

02,3884,7767,1649,552Year 0Year 6
  • Simple interest total
  • Compound interest total
Period-by-period model values (USD)
YearSimple interest totalCompound interest total
08,000.008,000.00
18,240.008,240.00
28,480.008,487.20
38,720.008,741.82
48,960.009,004.07
59,200.009,274.19
69,440.009,552.42

Intermediate points are independently calculated from the same fixed example assumptions; zero-based vertical scale. No changing rates, fees or taxes.

Hypothetical model, not observed market data or a forecast. Assumptions above; original values and calculations below.

The compound total exceeds the simple total because retained earnings become part of the interest base. Distributions spent elsewhere would change total wealth.

Assumptions & original table
  • All monetary amounts in this example are hypothetical U.S. dollars (USD), not current prices, quoted account terms or observed market data. Percentages, counts, time periods and index levels retain their stated units.
  • Initial principal is a hypothetical USD 8,000.
  • Annual rate is 3% for six years.
  • Simple interest stays outside the interest-bearing base; compound interest stays inside.
An untouched deposit under two growth rules
Hypothetical scenarioCalculated result (USD)
Simple interest total9,440.00
Annual compound total9,552.42
Read the complete analysis

Cash allocation / Hypothetical

How much cash is actually free?

Figure 01The numbers, visualizedHypothetical allocated balance

Opening cash allocation (USD 1,600), before the purchase

Housing: 900 USDFood: 250 USDAnnual bill: 300 USDFlexible purchases: 150 USD1,600USD allocated
  • Housing
  • Food
  • Annual bill
  • Flexible purchases
Housing
900.00 USD
Food
250.00 USD
Annual bill
300.00 USD
Flexible purchases
150.00 USD

Hypothetical model, not observed market data or a forecast. Assumptions above; original values and calculations below.

A zero unassigned amount coexists with a positive cash balance. Spending 40 reduces both cash and the purpose funding it.

Assumptions & original table
  • All monetary amounts in this example are hypothetical U.S. dollars (USD), not current prices, quoted account terms or observed market data. Percentages, counts, time periods and index levels retain their stated units.
  • Available cash starts at USD 1,600.
  • Housing 900, food 250, annual bill 300, and flexible purchases 150 are the only allocations.
Hypothetical allocated balance
StateTotal usable cash (USD)Flexible allocation (USD)
Before purchase1,600150
After 40 flexible purchase1,560110
Read the complete analysis

Sensitivity map / Hypothetical

When a valuation depends on the rate

Figure 01The numbers, visualizedHypothetical two-input finite DCF grid

Present value (USD): annual cash × discount rate

Annual cash / rate8%12%USD 100
257.71USD
240.18USD
USD 80
206.17USD
192.15USD

Darker cells mean larger present values, not higher likelihood. Four conditional cases; no probabilities assigned.

Hypothetical model, not observed market data or a forecast. Assumptions above; original values and calculations below.

The cells are conditional sensitivities with no assigned probabilities.

Assumptions & original table
  • All monetary amounts in this example are hypothetical U.S. dollars (USD), not current prices, quoted account terms or observed market data. Percentages, counts, time periods and index levels retain their stated units.
  • Three equal annual net cash flows occur at year-end; no terminal value.
  • Cash alternatives are 100 and USD 80; discount-rate alternatives are 8% and 12%.
Hypothetical two-input finite DCF grid
Annual cash (USD)Discount ratePresent value (USD)
1008%257.71
10012%240.18
808%206.17
8012%192.15
Read the complete analysis

Cash bridge / Hypothetical

The bridge from profit to cash

Figure 01The numbers, visualizedHypothetical service sale and later collection

Profit-to-cash bridge at completion (USD); later collection is separate

400.00-1,000.00-600.00
Recognized profit
400.00 USD
Receivables increase (cash adjustment)
-1,000.00 USD
Operating cash flow
-600.00 USD

Hypothetical model, not observed market data or a forecast. Assumptions above; original values and calculations below.

Total profit and total operating cash flow eventually equal 400, but their timing differs.

Assumptions & original table
  • All monetary amounts in this example are hypothetical U.S. dollars (USD), not current prices, quoted account terms or observed market data. Percentages, counts, time periods and index levels retain their stated units.
  • Amounts are USD; no taxes, debt, depreciation, or opening balances.
  • Service revenue is recognized on completion; cash costs are paid immediately.
Hypothetical service sale and later collection
StageProfit (USD)Receivables change (USD)Operating cash flow (USD)
Completion4001,000-600
Later collection0-1,0001,000
Read the complete analysis

Strategy comparison / Hypothetical

One balance. Different deadlines.

Figure 01The numbers, visualizedHypothetical USD windfall allocation by goal

Balance before goal spending (USD): two allocation strategies

  • Separated allocation
  • Blended allocation
Base60,000 / 60,000
Favorable66,000 / 69,000
Adverse48,000 / 42,000

Shared scale: 0–69,000 USD. Values below each pair follow the legend order; scenario order is not a time series.

Hypothetical model, not observed market data or a forecast. Assumptions above; original values and calculations below.

Totals equal stable capital plus risky capital times its return factor. Only separated holds the entire dated floor stable under the stated assumptions.

Assumptions & original table
  • Net windfall $60,000; dated goal floor $30,000. Separated = $30,000 stable/$30,000 risky; blended = $15,000 stable/$45,000 risky.
  • Risky return 0% base, +20% favorable, -40% adverse; stable earns zero. All figures hypothetical.
  • No taxes, fees, contributions, payment withdrawals, or access delays; compare balances before goal spending.
Hypothetical USD windfall allocation by goal
ScenarioSeparated total (USD)Blended total (USD)Blended minus separated (USD)
Base60000600000
Favorable66000690003000
Adverse4800042000-6000
Read the complete analysis

Cost comparison / Hypothetical

The cost of recurring fees

Figure 01The numbers, visualizedThe same USD 20,000 with three recurring-cost assumptions

Ending modeled value (USD)

123
1. 0.25% annual recurring cost
62,990.62
2. 1% annual recurring cost
54,252.81
3. 2% annual recurring cost
44,451.64

Shared zero-based value scale. Range: 0.00 to 62,990.62, in the units above. Case numbers match the labels; no probability or time trend is implied.

Hypothetical model, not observed market data or a forecast. Assumptions above; original values and calculations below.

With identical gross growth, the 0.25% cost path retains about USD 8,737.81 more after twenty years than the 1% path; this does not measure service value.

Assumptions & original table
  • Invented USD 20,000 starting investment; twenty years, 240 monthly compounding periods, no flows or taxes.
  • Hypothetical 6% gross nominal annual growth; recurring annual fee is subtracted from the nominal input before monthly compounding.
  • All-in recurring fees differ; no transaction, transfer or fixed-dollar charges in this controlled table.
The same USD 20,000 with three recurring-cost assumptions
Recurring-cost scenarioStarting value (USD)Fee on starting balance (USD/year)Ending modeled value (USD)
0.25% annual recurring cost200005062990.62
1% annual recurring cost2000020054252.81
2% annual recurring cost2000040044451.64
Read the complete analysis

Reported company results

Read the business behind the symbol.

Annual financial statements, with their fiscal periods. These figures are not stock prices.

Company research
Published daily observations · not live quotes
InstrumentReferenceChange vs priorObservation date
AppleUSD per share348.91+1.48%2026-10-29T+1 or older · checked 30 Oct 06:50 UTC
MicrosoftUSD per share530.14-0.16%2026-10-29T+1 or older · checked 30 Oct 06:50 UTC
NVIDIAUSD per share213.66-0.80%2026-10-29T+1 or older · checked 30 Oct 06:50 UTC
TSMC · Taiwan sharesTWD per share2,370.00-1.86%2026-10-30
Foxconn · Hon HaiTWD per share245.50-1.01%2026-10-30
MediaTek · Taiwan sharesTWD per share3,915.00-3.21%2026-10-30
Data & methodology

Sources: Frankfurter blended daily references for currencies and gold; U.S. Energy Information Administration for WTI and Brent spot assessments. Changes compare consecutive observations, not 24-hour trading. Some currency pairs use reciprocal USD-base rates.

Source: U.S. Energy Information Administration · WTI. Release: 2026-10-28; observation: 2026-10-27; retrieved: 2026-10-30 07:45 UTC.

Source: U.S. Energy Information Administration · BRENT. Release: 2026-10-28; observation: 2026-10-27; retrieved: 2026-10-30 07:45 UTC.

Frankfurter retrieved: 2026-10-30 07:45 UTC. Reference dates are shown beside each value.

TWSE end-of-day cash-share prices in TWD and TAIEX index points. Unadjusted close-to-close changes are calculated from the displayed sessions, not total returns. Source: Taiwan Stock Exchange, under the Open Government Data License 1.0; stock dataset and index dataset. The US TSM ADR and Taiwan 2330 share are different securities.

US research values: A-Share Data API, US market endpoint. Only prior New York calendar dates are retained (T+1 or older), with hourly shared checks. The provider supplies daily last values without an exchange tick timestamp. Exact exchange latency and price-adjustment basis are unspecified; percentage changes compare consecutive provider sessions and are not total returns. Nasdaq Composite is not Nasdaq-100. Historical windows are replaced together to avoid mixing adjustment vintages.

Company research / Annual reports

The business behind the ticker.

Annual revenue, earnings and cash flow, with dated financial-statement analysis.

NASDAQ · AAPL

Apple

Consumer devices, software and services

Annual revenue
$416.16B
Annual net income
$112.01B

Fiscal period ended 2025-09-27 · USD

Read the company profile
NASDAQ · MSFT

Microsoft

Cloud infrastructure, enterprise software and digital services

Annual revenue
$331.84B
Annual net income
$133.75B

Fiscal period ended 2026-06-30 · USD

Read the company profile
NASDAQ · NVDA

NVIDIA

Accelerated computing, graphics and related platforms

Annual revenue
$215.94B
Annual net income
$120.07B

Fiscal period ended 2026-01-25 · USD

Read the company profile
Financial data & methodology

Source: SEC EDGAR company facts, consolidated US-GAAP observations in USD from Forms 10-K / 10-K/A. Annual periods and filing dates are shown separately. Comparative figures may reflect later filings or restatements. B = one billion USD. These figures are company financial statements, not stock prices.

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