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Practical guides, how-tos and comparisons to get the most out of our free online tools.

June 17, 2025
June 16, 2025
June 13, 2025
June 12, 2025
Explainer · Everyday

Poker Hand Probabilities, Derived Rather Than Memorised

Every five-card poker probability is a counting argument over 2,598,960 hands, and each one fits on a single line. Here are all nine, with the check that proves them: the counts must sum to exactly C(52,5).

Lena Hoffmann · 13 min read

June 11, 2025
June 10, 2025
Explainer · Everyday

Stacked Discounts Do Not Add Up

Twenty percent off and then a further ten percent off is not thirty percent off — it is twenty-eight, because the second discount applies to the already-reduced price. The general rule, the cases where order matters, and how sales tax changes the answer.

Lena Hoffmann · 13 min read

June 9, 2025
Explainer · Everyday

Percentage Points Are Not Percent

Moving from 4% to 5% is a rise of one percentage point and a rise of twenty-five percent. Both statements are true, which is exactly why the ambiguity is so easy to exploit — and why basis points exist.

Lena Hoffmann · 14 min read

June 6, 2025
Explainer · Everyday

Leap Years: The Rule, the Exception, and the Exception to the Exception

Divisible by four, except centuries, except centuries divisible by four hundred. The three-line rule exists because the tropical year is not 365.25 days, and the arithmetic behind it explains ten deleted days in 1582 and a calendar that repeats exactly every 400 years.

Lena Hoffmann · 15 min read

Explainer · Everyday

Date Arithmetic Is Harder Than It Looks

"One month later" has no single correct answer, and every date library has had to pick one. Month addition is neither associative nor invertible, a day is not always 24 hours, and age is not days divided by 365.25.

Lena Hoffmann · 15 min read

June 5, 2025
Explainer · Finance

Annuities: What You Are Actually Buying

An annuity's price is a present value over a probability-weighted term. On a stated mortality at 4 percent, $100,000 at 65 buys $7,492 a year — 4.00 points of interest, 1.78 of returned capital and 1.71 of mortality credit.

Camille Laurent · 14 min read

June 4, 2025
Explainer · Finance

Dividend Reinvestment: What Actually Drives the Difference

Reinvesting a 3 percent yield for 30 years turns 100 shares into 242.7 and multiplies the final position by exactly that factor: $32,434 becomes $78,726. Tax at 30 percent on each dividend costs $18,223 of it — nearly two and a half times the tax actually paid.

Camille Laurent · 12 min read