There is not a single magic “percentage formula” printed on a stone tablet—there is a family of formulas that all come from the same idea: express a relationship out of 100. Once you recognise which story you are reading (slice of a pie, growth, shrinkage, or comparing two snapshots), you pick the right member of the family and avoid the classic trap of multiplying when you should add, or vice versa.
Bookmark this cheat sheet next to the percentage calculator so you can jump between Basic, Increase and Decrease modes without hunting through notes.
Spreadsheet apps hide these formulas behind built-in functions—understanding the raw algebra helps when your model breaks and you need to debug a rogue absolute reference.