Visit this growing list of financial calculators often, plug in the numbers as instructed, and let the calculators perform all of the complex calculations for you.

Note: These calculators were tested using JavaScript enabled Netscape Navigator 3.01 (or higher) and Internet Explorer 3.01 (or higher). If the calculators fail to work for you, check to make sure your browser has JavaScript turned on. If it still doesn't work, we suggest you visit either the Netscape site or the Microsoft site and download a copy of version 3.01(or preferrably highter Microsoft 5.0 or Netscape 4.75). Also, since the calculator scripts must load before the pages do, please allow extra time for the pages to come into view. DO NOT use dollar signs or commas when you type in calculator numbers, only use numbers and decimal points.

FINANCIAL LESSONS CALCULATORS

Minimum Payment Credit Card Interest Calculator
This calculator will show you how much credit-card interest you'll pay if you continually make only the minimum monthly payment on your credit card.

Debt Investment Calculator
Before you go throwing darts on Wall Street, check to make sure you can't earn a higher rate of return simply by investing in your own debt! For example, if you have a credit card balance that's costing you 19% per year, and you increase your payment, you will get a guaranteed 19% return on your investment. What's more, your earnings will be tax-free! So use this JavaScript Calculator to see how much you could be earning if you increased your payment on any one of your debts.

Real Hourly Wage Calculator
So your boss told you that you were getting paid $10 an hour? Don't believe it! This calculator will show you how much you're REALLY profiting (after-tax, after work-related-expense take home) from each hour you devote to working--both paid and unpaid.

Wage Conversion Calculator
This calculator will help you to quickly convert a wage stated in one periodic term (hourly, weekly, etc.) into its equivalent stated in all other common periodic terms. This can be helpful when comparing your present wage to a wage being offered by a prospective employer where each wage is stated in a different periodic term (e.g., one is listed as an hourly amount and the other is listed as an annual amount).

Appliance Operating Cost Calculator
This JavaScript calculator will help you to estimate the cost of operating any given electrical appliance, based on the average KWH (kilowatt hours) used per day, and on the average cost per KWH charged by your electric company.

Long Distance Call Cost Calculator
This calculator will not only assist you in calculating the average cost per minute of one or any number of calls, but it will also keep track of the cost of your long distance phone call (including state and federal taxes) based on either the calculated average cost per minute or on the actual cost per minute -- if you happen to know it.

Lifetime Earnings Calculator
The purpose of this calculator is to make you aware of just how much money you (and your spouse/mate, if applicable) will have the opportunity to manage between now and when you retire. And the point this calculator will attempt to make, is that if it turns out you end up broke at retirement age, it won't be because you didn't make enough money, it will because you did not successfully manage the abundance of income (potential wealth) you managed to create.

Generic Savings Calculator
This calculator will show you how much you'll save over the course of your lifetime when permanently switching from any given high priced buying habit (name brand) to its functional, less expensive equivalent (generic). Plus, it will also show you how much interest you could earn if you were to invest all or part of those savings as you realized them. As you're about to see, "a penny saved" can REALLY ADD UP!

Car Cost Comparison Calculator
When buying a car most people fail to consider ALL of the expenses that will be generated by their purchase. And because nearly all car buying scenarios come with different variables (depreciation rates, interest rates, purchase prices, insurance costs, mpg ratings, etc.), it becomes extremely difficult to compare one buying scenario with another ... until now that is. This calculator will not only help you to forecast the REAL COST of buying and owning a car, but it will also help you to more accurately compare the real cost of one car-buying scenario with the real cost of a second car-buying scenario.

SAVINGS CALCULATORS

College Funding Calculator
This calculator will help you to determine how much money you need to invest on a monthly basis now, in order to be able to pay for your child's college education by the time they are ready to start college. The calculator allows you to choose between In-State and Out-of-State, between Resident and Commuter and between Public or Private -- and adjusts the estimated costs according to those selections. Plus, the calculator even adjusts the future cost of attending college based on your own estimated rate of inflation.

Savings Goal Calculator
This calculator will help you to figure how much your current savings will grow and how much more you'll need to save each month in order to achieve a given savings goal within a given number of years.

Retirement Savings Calculator
Use this calculator to compute how much you would need to have invested in order to withdraw a specified amount each year over the course of a specified period of time.

Monthly Deposit Savings Calculator
This calculator will show you how much a periodic, interest earning investment will grow to, based on the entered interest rate and length of time.

Single Deposit Savings Calculator
This calculator will show you how much a single, interest earning investment will grow to, based on the entered interest rate and length of time.

INVESTMENT CALCULATORS

Variable Compounding & Deposit Savings CalculatorNew!
This calculator not only allows you to compute and compare the forecasted interest earnings on various investment scenarios, but it also allows you to choose the deposit and compounding intervals. No longer will you need to wonder if an investment offering a 6% return, compounded daily is better than an investment offering a 7% return, compounded annually.

CHILDRENS MATH CALCULATORS

Children's Math Tutor
Since addition, subtraction, multiplication and division are skills children need to know in order to become successful money managers, this interactive tool was created to give children an interesting way to hone those all-important math skills. If you have children and any of them haven't yet memorized the math factors for their age group, simply make using this tool part of their required daily homework.

BUDGETING CALCULATORS

Budget Percentage Calculator
This calculator will compute your recommended budget amounts for an income period you enter. The suggested percentage guidelines are based on net income compiled by Dave Ramsey, author of Financial Peace (Viking, 1997).

Expense Percentage Calculator
This calculator will help you to determine what percentage of your income you are currently spending on each of your various expense categories (food, clothing, etc.). Simply enter the income for the period you will be entering expenses for (enter monthly income if you are entering monthly expense amounts, annual income for annual expense amounts, and so on), enter the name of each expense category and their corresponding periodic amounts -- pressing the "Tab" key after each entry. The percentage amount should automatically fill-in.

Irregular Payment Calculator
This calculator will convert your non-monthly payments into their monthly equivalents, and then provide you with a total. This total will represent how much you will need to set aside each month (into your payment account) in order to make your non-monthly payments as they come due. A great budgeting tool!

Cash Flow Calculator
Since cash inflows and outflows vary in amounts and intervals, it can be extremely difficult and confusing trying to come up with the amount of money you can afford to spend during any given month. Sure you might have leftover cash this month, but spending it might cause you to fall short on an annual premium that's coming due next month. This calculator will convert all of your cash inflows and outflows (daily, weekly, monthly, quarterly, etc.) into their monthly equivalents. You can then print out the results and refer to it when creating each month's spending plan.

Net Worth Calculator
This calculator was designed to help you to take a "snap-shot" of your current financial condition Whereas an income and expense statement shows you your financial picture for a given period of time (month, year, etc.), this Net Worth Calculator will show you your financial picture at a single point in time (a specific date). That way, if you compute your Net Worth now, and then again 3 months from now, you will then be able to tell whether your financial picture is improving or getting worse.

Accelerated Debt Pay-Off Calculator (Part 1 & 2)
This calculator (ADPO Part 1), will help you to determine the number of payments remaining for each of your debts. You will need these results in order to use the Accelerated Debt-Payoff Calculator Part 2. This calculator will also compute the total interest you will end up paying if you decide not to follow Accelerated Debt-Payoff Plan. Be sure to write this figure down, or use the calculators side by side(in ADPO Part 1)so you'll be able to compare it to the interest you'll end up paying by following the plan calculated in Part 2.

MORTGAGE CALCULATORS

Mortgage Qualification Calculator
This calculator was designed to allow you to see what size mortgage you can afford based on comparing your present financial condition to mortgage lending-industry standards.

Bi-Weekly Payment Calculator
This calculator will show you how much you will save if you make 1/2 of your loan payment every two weeks instead of making a full loan payment once a month. In effect, you will be making one extra loan payment per year -- without hardly noticing the additional cash outflow. But, as you're about to discover, you will certainly notice the increased cash flow that will occur when you pay your lean off well ahead of schedule!

Mortgage Refinancing Calculator
This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.

Mortgage Payoff Goal Calculator
This calculator will show you the additional monthly payment you will need to make on your current mortgage in order to pay if off within a specified number of years. It will also show you how much interest you will save if you make the calculated additional payment each month, from now until your mortgage is paid off.

LOAN CALCULATORS

Simple Loan Calculator New!
Very few loans offer simple interest, if you read the fine print on your loan documents.
One of the few exceptions are some school loans. Know the type of interest offered on a loan before you accept it.

Loan Comparison Calculator
This calculator will not only compute the payment amount and interest charges on any given loan, but it will also allow you to see what effect changing any of the four variables has on the cost of the loan.

Payment Breakdown Calculator
This calculator will help you to determine the principal and interest breakdown on a loan's given payment number. Simply enter the loan's original terms (principal, interest rate, number of payments, and monthly payment amount) and the payment you want broken down.

Missing Loan-Term Calculator
If you know any 3 of a loan's 4 terms (principal, interest rate, payments remaining, and payment amount), this calculator will help you to find the missing term. For example, if you know the interest rate, the payments remaining, and the payment amount, this calculator will compute the current payoff amount of the loan.

Loan Calculator w/Amortization Schedule
This calculator will compute a loan's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate. Then, once you have computed the monthly payment you can also create and print out the loan's amortization schedule.

Debt Consolidation Calculator
When the typical debt-consolidation company advertises that they can "save you money," what they are most often referring to is simply a reduction in your total monthly debt payments -- not a savings in the cost of paying off your debt (interest charges). Sure, by consolidating your payments into a single loan, you might be paying one monthly payment that is smaller than the sum of your current monthly payments, but if they stretch your loan out for a longer period of time you could actually end up paying more interest by consolidating. This calculator will help you to determine whether or not consolidating will actually reduce the cost of retiring your debts.
Remember to use only numbers and decimal points with calculations

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