// multi-utility computation suite · offline · instant · precise
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finance.debt-option-pool Calculator
Calculates option pool size, dilution impact, and effective pre-money valuation in a personal debt management context. Option pool shuffles are one of the most misunderstood VC terms — a required 15% option pool created pre-close reduces the effective pre-money by 15% of post-money valuation.
Inputs
Balance
Reference formula or conversion factor shown for context.
Rate
The rate at which interest accrues. Small differences compound dramatically — compare carefully when choosing between lenders.
Payment
Reference formula or conversion factor shown for context.
Results
months to payoff
Number of monthly payments needed to clear the balance at the given payment amount.
total paid
Sum of all payments made — principal plus all interest. Subtract the loan amount to see the pure interest cost.
interest cost
The total monetary cost computed for the given inputs.