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We are working to bring you a wide variety of on-line tools. The following calculators are here for your convenience. Please feel free to use them to explore your own financial decisions.

Mortgage Calculator

A good, basic mortgage calculator to explore various mortgage options. Will a 15-year mortgage work for you and save you thousands of dollars in interest? Find out.

MortgageLoan

$

years

%

Mortgage Refinancing Calculator

This JavaScript 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 Refinancing Calculator
This JavaScript 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.
Enter the principal balance of your mortgage:

(call your mortgage lender and ask for the current payoff amount)
Enter the amount of your monthly mortgage payment:

(principal and interest portion only)
Enter the your mortgage’s current interest rate:
Enter interest rate you will be refinancing at:
Enter the number of years you will be refinancing for:
Enter the closing costs that will be required for refinancing:
This is how much your monthly payment will be if you refinance:
Monthly Savings:
Number of months to break even on closing costs:
This is how much interest you will pay under your current monthly payment plan:
This is how much interest you will pay under your refinanced monthly payment plan:
This is how much interest you will save if you refinance:
Net Refinancing Savings (interest savings less closing costs):
Copyright © 1997-2008 Web Winder Site Traffic Magnets. All rights reserved.

Bi-Weekly Mortgage Calculator

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

Mortgage Refinancing Calculator
This JavaScript 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.
Enter the principal balance of your mortgage:

(call your mortgage lender and ask for the current payoff amount)
Enter the amount of your monthly mortgage payment:

(principal and interest portion only)
Enter the your mortgage’s current interest rate:
Enter interest rate you will be refinancing at:
Enter the number of years you will be refinancing for:
Enter the closing costs that will be required for refinancing:
This is how much your monthly payment will be if you refinance:
Monthly Savings:
Number of months to break even on closing costs:
This is how much interest you will pay under your current monthly payment plan:
This is how much interest you will pay under your refinanced monthly payment plan:
This is how much interest you will save if you refinance:
Net Refinancing Savings (interest savings less closing costs):
Copyright © 1997-2008 Web Winder Site Traffic Magnets. All rights reserved.

Credit Card Minimum Payment Interest Calculator

This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill. It will also tell you how many minimum payments you will make before your balance is paid off (up to a maximum of 600 payments).

Credit Card Minimum Payment Interest Calculator
This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill. It will also tell you how many minimum payments you will make before your balance is paid off (up to a maximum of 600 payments).

Instructions: Somewhere in your credit card disclosure statement the card company will tell you something like “your minimum payment will be 2% of the balance or $10, whichever is higher. These are the figures you will enter in Column C and Column D respectively.

Dollar

Amount

Charged

 Annual

Interest

Rate

 C

Minimum

Payment

Percent

 D

Minimum

Minimum

Payment

 Interest

Charges

 Number of

Payments

 Total #

of Years
Copyright © 1997-2008 Web Winder Site Traffic Magnets. All rights reserved.

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.

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.

Instructions: Enter the current payment terms for any one of your outstanding debts, then enter an amount you could comfortably add to the payment. Finally, click on “Compute” to see what the return on your investment will be.

Principal

Balance

Owed

Annual

Interest

Rate

Current

Monthly

Payment

Additional

Monthly

Payment

Interest

Savings

Annual

Return on

Investment

$

 % $

 $

 $

 %
Copyright © 1997-2008 Web Winder Site Traffic Magnets. All rights reserved.

Future Value Calculator

This calculator will show you the Forgone Interest Earnings that will result after spending a given dollar amount on a non-appreciating, non-necessary purchase.

Future Value Calculator
This calculator will show you the Forgone Interest Earnings that will result after spending a given dollar amount on a non-appreciating, non-necessary purchase.
Dollar

Amount

Interest

Rate

Number of

Years

Future

Value

Interest

Earned

Copyright © 1997-2008 Web Winder Site Traffic Magnets. All rights reserved.

Future Value of Periodic Payments Calculator

This calculator will show you how much interest you will earn over a given period of time; at any given interest rate; based on an initial investment plus a fixed monthly addition. The calculator compounds monthly and assumes deposits are made at the beginning of each month.

Future Value of Periodic Payments Calculator
This calculator will show you how much interest you will earn over a given period of time; at any given interest rate; based on an initial investment plus a fixed monthly addition. The calculator compounds monthly and assumes deposits are made at the beginning of each month.
Initial

Investment

Monthly

Addition

Interest

Rate

Number of

Years

Future

Value

Interest

Earned

Copyright © 1997-2008 Web Winder Site Traffic Magnets. All rights reserved.

Lifetime 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!

Lifetime 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!
Enter your current age:
Enter the age you plan on retiring at:
Enter the age you expect to live until:
Enter the price you are currently paying for a higher priced name-brand product or service:
Enter the price of a lower-priced functional equivalent (generic):
Enter the number times you purchase this item per month:
Savings Per…

Purchase:

Month:

Year:

Retire:

Lifetime:
Enter the average annual interest rate you might expect to earn if you were to deposit these savings into an investment as they were realized:
This is how much your investment will be worth at retirement age:
This is how much you would be able to withdraw from your investment during each month of your expected retirement:
This is the total future value of your invested savings between now and your life expectancy:

Copyright © 1997-2008 Web Winder Site Traffic Magnets. All rights reserved.

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