Financial Modeling

In this video, I show you how to build a fully automated mortgage tracker in Excel from scratch, complete with an amortization schedule that handles extra prepayments. You’ll learn how to calculate your monthly payment, interest paid, principal paid, and remaining balance for every payment period using built-in Excel formulas. I also walk through how to factor in excess prepayments so you can see exactly how extra principal payments reduce your total interest and shorten your loan. A free mortgage calculator is also available on RyanOConnellFinance.com if you want to run your numbers instantly.

*Free Mortgage Calculator Tool:* https://ryanoconnellfinance.com/mortgage-calculator/

*Download the Google Sheets file created in this video for FREE:*

Excel Mortgage Tracker With Prepayment Support

Chapters:
0:00 – Intro to Mortgage Tracker in Excel
0:26 – Enter the Inputs
1:06 – Mortgage Calculator Monthly Payment
2:28 – Find the Payment Date
3:27 – Enter the Total Payment
3:48 – Calculate the Extra Principal Paid on Each Payment
4:33 – Calculate the Interest Paid on Each Payment
5:22 – Calculate the Principal Paid on Each Payment
5:47 – Calculate the Remaining Balance
6:10 – Make the Amortization Table Fully Automated
8:47 – Verify the Calculations Are Correct
10:13 – Factoring in Excess Prepayments
11:33 – Mortgage Calculator on RyanOConnellFinance.com

*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.

In this video, I show you how to build a fully automated mortgage tracker in Google Sheets from scratch, complete with an amortization schedule that handles extra prepayments. You’ll learn how to calculate your monthly payment, interest paid, principal paid, and remaining balance for every payment period using built-in Google Sheets formulas. I also walk through how to factor in excess prepayments so you can see exactly how extra principal payments reduce your total interest and shorten your loan. A free mortgage calculator is also available on RyanOConnellFinance.com if you want to run your numbers instantly.

*Free Mortgage Calculator Tool:* https://ryanoconnellfinance.com/mortgage-calculator/

*Download the Google Sheets file created in this video for FREE:* https://ryanoconnellfinance.com/product/google-sheets-mortgage-tracker/

Chapters
0:00 – Intro to Mortgage Tracker in Google Sheets
0:36 – Enter the Inputs
1:21 – Mortgage Calculator Monthly Payment
3:04 – Find the Payment Date
3:40 – Enter the Total Payment
4:06 – Calculate the Extra Principal Paid on Each Payment
4:46 – Calculate the Interest Paid on Each Payment
5:26 – Calculate the Principal Paid on Each Payment
5:42 – Calculate the Remaining Balance
6:17 – Make the Amortization Table Fully Automated
8:46 – Verify the Calculations Are Correct
10:02 – Factoring in Excess Prepayments
11:50 – Mortgage Calculator on RyanOConnellFinance.com

*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.

Learn how to turn Monthly Returns into Annual Returns and annualized Standard Deviation in Excel using both Simple Returns and Log Returns. We start with Adjusted Close prices, calculate Monthly Returns (simple and log), then annualize Monthly Returns step-by-step before converting monthly volatility to annual volatility. You’ll see the exact Excel workflow and formulas to compute returns, CAGR-style annualization, and annualized risk from monthly data. Perfect for investors and analysts who want a clean, repeatable Excel process for stock return analysis and volatility (std dev) measurement.

Chapters:
0:00 – Adjusted Close Prices
0:44 – Calculate Monthly Returns From Prices (Simple)
1:28 – Calculate Monthly Returns From Prices (Log)
2:00 – Annualize Monthly Returns (Simple)
3:23 – Annualize Monthly Returns (Log)
4:13 – Calculate Annual Standard Deviation From Monthly Returns

💾 Download Free Excel File:
► Grab the file from this video here: https://ryanoconnellfinance.com/product/monthly-to-annual-returns-excel/

*Seeking Alpha Deals:*
💰 *Get $50 OFF Alpha Picks:* https://ryano.finance/alpha-picks
📈 *Get $159 OFF Seeking Alpha Premium and Alpha Picks Bundle:* https://ryano.finance/seeking-alpha-bundle
🔥 *Get $30 OFF Seeking Alpha Premium:* https://ryano.finance/seeking-alpha

🎓 *Get 25% Off CFA Courses (Featuring My Videos!) — Use code RYAN25 here:*
👉 https://ryano.finance/cfa

🎓 *Ivy League Certificate Programs by Wall Street Prep — Save up to $500 with codes RYAN or RYAN300:*
1. Columbia & Wall Street Prep AI for Business & Finance: https://ryano.finance/columbia-ai
2. Wharton & Wall Street Prep Real Estate Investing & Analysis: https://ryano.finance/wharton-real-estate
3. Wharton & Wall Street Prep Private Equity (PE): https://ryano.finance/wharton-pe
4. Wharton & Wall Street Prep Financial Planning & Analysis (FP&A): https://ryano.finance/wharton-fpa
5. Wharton & Wall Street Prep Value Investing: https://ryano.finance/wharton-avi

*Get 10% Off Snowball Analytics to help manage your portfolio with code RYAN here:*
https://snowball-analytics.com/register/ryan

*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.

Wondering how long your retirement savings will last? In this video, we build a powerful Excel Monte Carlo simulation to forecast portfolio longevity and simulate annual returns across asset classes. You’ll learn how to input your personal data, project portfolio value over time, and calculate the average age your money runs out. Perfect for anyone doing retirement planning in Excel or testing different withdrawal strategies.

💾 *Download Free Excel File Here*: https://ryanoconnellfinance.com/product/retirement-savings-calculator/

*Need Ryan’s Help With Your Retirement Planning?*
Find my high net worth consulting service here: https://ryanoconnellfinance.com/financial-strategy/

Chapters:
0:00 – Intro: When Will Your Money Run Out in Retirement?
0:29 – Input Your Personal Details
2:36 – Calculate Future Age and Year
4:03 – Simulate Annual Returns by Asset Class
6:05 – Calculate Portfolio Value Year by Year
8:10 – Analyze Portfolio Value Over Your Lifetime
9:07 – Run a Monte Carlo Simulation on Your Portfolio
11:39 – Calculate the Average Age Your Money Runs Out
12:16 – Adjust Inputs and Re-Run the Simulation

*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.

Learn everything you need to know about the Wharton Financial Planning & Analysis (FP&A) Certificate, created in partnership with Wall Street Prep. This full program overview covers tuition, course format, the prestige of the Wharton brand, and key topics like forecasting, budgeting, financial modeling, and reporting. Whether you’re pursuing a career in FP&A or looking to level up your skills as a finance business partner, this walkthrough breaks down the curriculum and typical applicant profiles. Use code RYAN at checkout to unlock exclusive savings on enrollment.

🎓 *Wharton & Wall Street Prep Financial Planning & Analysis (FP&A) Certificate Program* 🎓
► *Use code RYAN for up to $500 OFF tuition*
► https://ryano.finance/wharton-fpa

Chapters:
0:00 – Intro to Wharton Online’s FP&A Certificate Program
0:52 – Price & Length of Program
1:53 – The Prestige of the Wharton Brand
2:57 – Who is this for? Applicant Profiles
4:22 – Breakdown of a Typical Cohort
5:06 – My Experience with Wall Street Prep
5:38 – Intro to Financial Planning & Analysis
8:11 – Planning Cycle & Annual Budgeting
9:16 – Forecasting
11:20 – Financial Analysis in FP&A
12:18 – Financial Modeling
13:42 – Finance Business Partnering
15:38 – Reporting & Presenting
17:00 – The Future of FP&A
18:43 – Faculty & Speakers

*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.

Learn how to build a Python trading bot for real-time algorithmic trading in this complete step-by-step tutorial. You’ll connect to live market data, implement an AI-powered trading strategy, and automate trades using Interactive Brokers. Whether you’re interested in day trading bots, algo trading with Python, or just want to explore automated trading strategies, this tutorial covers it all. Perfect for beginners and aspiring quant traders looking to break into algorithmic trading using Python. By the end, you’ll have a fully functional Python trading bot making real-time paper trades!

🧠 *Sign up for Datalore:*
https://jb.gg/check_datalore
Use promo code Analyze_Like_Ryan for 50% off Datalore Cloud (monthly or yearly)

📓 *Copy the Datalore Notebook Template:*
https://jb.gg/datalore_notebook

✅ *Final Code Notebook:*
https://jb.gg/datalore_project

📈 *Sign up for an Interactive Brokers Account:* (click “Open Account”)
https://www.interactivebrokers.com/en/whyib/overview.php

💾 *Download TWS & TWS API:*
https://www.interactivebrokers.com/campus/ibkr-api-page/twsapi-doc/#api-introduction

Chapters:
0:00 – Intro to Building an AI Paper Trading Bot
1:00 – Sign up for Development Environment: Datalore
1:30 – Create a Copy of the Code Notebook
2:00 – Sign Up for an Interactive Broker’s Account
3:10 – Download Trader Workstation (TWS) & TWS API
4:48 – Configure TWS for API Access
7:42 – Set Up SSH Tunnel Between Datalore & TWS
8:33 – Import Python Libraries: nest_asyncio & ib_insync
9:32 – Connect Datalore to TWS
10:40 – Print Server Time to Test Connection
11:14 – Enter a Test Buy Order
12:51 – Enter a Test Sell Order
13:42 – Retrieve Free Historical Stock Prices From IBKR
14:51 – Create a Simple Moving Average Graph
17:44 – Implement the Simple Moving Average Strategy
18:46 – Run the Simple Moving Average Strategy
20:55 – Use Live Stock Data to Make Real-Time Trades
21:49 – Using a More Powerful Machine to Run a Real-Time Strategy
22:35 – Use Code Promo Code for 50% Off
23:12 – Switching the Machine & Restarting the Kernal
24:43 – Connecting to Live Data Source Polygon
25:42 – Explain Our Real-time Simple Moving Average Strategy
26:56 – Connecting to Polygon.io Websocket to get Live Data
27:52 – Visualize Our Real-time Simple Moving Average Strategy
28:35 – Run Code to Start the Trading System
28:58 – Explaining Code to Monitor the Trade Signals
31:35 – Start Real-time Trading Signal Visualization
32:56 – Enable Trading For Algorithmic Bot
33:40 – Run the Live Algorithmic Trading Bot!
35:14 – Analyzing the Results of the Algorithm
36:38 – Next Steps For Algo Trading In My Paper Trading Account

*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.

This content is provided by a paid Influencer of Interactive Brokers. Influencer is not employed by, partnered with, or otherwise affiliated with Interactive Brokers in any additional fashion. This content represents the opinions of Influencer, which are not necessarily shared by Interactive Brokers. The experiences of the Influencer may not be representative of other customers, and nothing within this content is a guarantee of future performance or success.

None of the information contained herein constitutes a recommendation, promotion, offer, or solicitation of an offer by Interactive Brokers to buy, sell or hold any security, financial product or instrument or to engage in any specific investment strategy. Investment involves risks. Investors should obtain their own independent financial advice and understand the risks associated with investment products and services before making investment decisions. Risk disclosure statements can be found on the Interactive Brokers website.

Interactive Brokers is a FINRA registered broker and SIPC member, as well as a National Futures Association registered Futures Commission Merchant. Interactive Brokers provides execution and clearing services to its customers. For more information regarding Interactive Brokers or any Interactive Brokers products or services referred to in this video, please visit www.interactivebrokers.com.

Any discussion or mention of an ETF is not to be construed as a recommendation, promotion or solicitation. Before acting on this material, you should consider whether it is suitable for your particular circumstances and, as necessary, seek professional advice.

Additional disclosures can be found here: https://docs.google.com/document/d/1aXvIW5rt8vZs2B5DewAU_YEhCI06cp_uGhymbdsHF0g/edit?usp=sharing

Understanding portfolio standard deviation is essential for measuring investment risk, and in this video, we break down the portfolio standard deviation calculation step by step using Excel. We start by assigning weights to securities, calculating daily returns from stock prices, and creating a covariance matrix in Excel, before determining the overall portfolio risk. This tutorial simplifies complex financial concepts, making it easy for investors and finance professionals to apply in real-world scenarios. Watch now to master portfolio standard deviation in Excel and improve your portfolio management skills!

📈 *See Why I Recommend This Broker:* https://ryano.finance/ibkr-overview

💾 *Download Free Excel File:* https://ryanoconnellfinance.com/product/portfolio-standard-deviation-calculation/

Chapters
0:00 – Assign Weights For Securities
0:18 – Calculate Daily Returns From Stock Prices
1:34 – Create Covariance Matrix In Excel
3:40 – Portfolio Standard Deviation Calculation

*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.

Master Excel for finance and accounting with this Beginner Excel for Finance & Accounting Course – Full Free Training designed to take you from beginner to confident user. This Excel course for finance beginners covers everything from Excel formulas and functions tutorials, tips and tricks, to Excel for finance analyst tasks like VLOOKUP, SUMIFS, and XLOOKUP. Whether you’re looking for a full Excel tutorial, Excel for finance full course, or just want to improve your finance in Excel skills, this video has you covered. Perfect for anyone looking for an Excel course for finance, Excel for accounting, or an Excel for finance and accounting beginner tutorial — all completely free!

💾 *Download Free Excel File Here:* https://ryanoconnellfinance.com/product/free-beginner-excel-course-for-finance/

📈 *See Why I Recommend This Broker:* https://ryano.finance/ibkr-overview

Chapters:
00:00 Intro to Excel for Finance & Accounting
00:38 Excel Interface: Ribbon, Sheets, Formula Bar
03:41 Data Entry: Text, Numbers, Dates
06:58 Cell Formatting: Fonts, Alignment, Numbers, Borders
11:54 Excel Formulas & Functions Basics
17:44 Common Functions: SUM, MAX, MIN, COUNT, COUNTIF
22:26 Basic Formulas & Absolute References
27:11 SUMIF & SUMIFS: Conditional Sums
32:09 Sorting Data: A-Z & Z-A
35:04 Filtering Data & Custom Filters
37:25 Excel Tables: Quick Data Management
40:33 Charts: Visualizing Data
51:31 IF, AND, OR Functions
57:12 VLOOKUP: Vertical Lookup
1:00:06 HLOOKUP: Horizontal Lookup
1:02:34 XLOOKUP: Modern Lookup
1:08:13 INDEX MATCH: Advanced Lookup
1:11:19 Array Formulas & Functions
1:15:56 Conditional Formatting Basics

*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.

Learn how to perform a Maximum Drawdown Calculation in Excel and understand its significance in portfolio risk analysis. In this video, we cover the Maximum Drawdown Meaning, step through the Maximum Drawdown Explained section, and demonstrate how to compute it using Maximum Drawdown Excel techniques. You’ll also see a Maximum Drawdown example with real-world data to help you apply this key risk metric to your own investments. Whether you’re a trader, investor, or finance professional, mastering Maximum Drawdown is essential for evaluating downside risk and protecting your portfolio. Maximum Drawdown is also known as Max Drawdown and is a downside risk measurement.

📈 *The Broker That Calculates Max Drawdown For You:* https://ryano.finance/ibkr-overview

💾 *Download Free Excel File Here:* https://ryanoconnellfinance.com/product/max-drawdown-calculation/

Chapters:
0:00 – Maximum Drawdown Definition & Formula
0:39 – Maximum Drawdown Explained
1:47 – Maximum Drawdown Calculation in Excel
4:00 – Real World Example of Maximum Drawdown

*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.

This content is provided by a paid Influencer of Interactive Brokers. Influencer is not employed by, partnered with, or otherwise affiliated with Interactive Brokers in any additional fashion. This content represents the opinions of Influencer, which are not necessarily shared by Interactive Brokers. The experiences of the Influencer may not be representative of other customers, and nothing within this content is a guarantee of future performance or success.

None of the information contained herein constitutes a recommendation, promotion, offer, or solicitation of an offer by Interactive Brokers to buy, sell or hold any security, financial product or instrument or to engage in any specific investment strategy. Investment involves risks. Investors should obtain their own independent financial advice and understand the risks associated with investment products and services before making investment decisions. Risk disclosure statements can be found on the Interactive Brokers website.

Interactive Brokers is a FINRA registered broker and SIPC member, as well as a National Futures Association registered Futures Commission Merchant. Interactive Brokers provides execution and clearing services to its customers. For more information regarding Interactive Brokers or any Interactive Brokers products or services referred to in this video, please visit www.interactivebrokers.com.

The projections or other information regarding the likelihood of various investment outcomes generated by the Tools mentioned in this video are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. It is important to understand that these projections are based on certain assumptions and models, and actual outcomes may differ significantly. Please note that results may vary over time.

Any trading symbols, entities or investment products displayed or named in this podcast are for illustrative purposes only and are not intended to portray recommendations.