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!
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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.
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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).
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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.
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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.
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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.
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Increase-Your-Wage
Calculator
If you work one hour and spend
that hour's entire wage on a non-necessary,
non-appreciating purchase, you have effectively
limited the value of one hour's wage to
its face value. On the other hand, if
you were to invest all or part of the
one hour's wage into an interest earning
investment, this would serve to increase
that hour's wage by an amount equal to
the total interest earned by the investment.
In other words, the person who is ultimately
responsible for setting your hourly wage
rate is not your boss--it's YOU! The calculator
below will calculate the future value
of your hourly wage based on the portion
invested, the annual rate of return, and
the number of years invested.
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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!
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Money
to Time Calculator
This calculator will show you
how much time your money is worth. But
in order to use this calculator you must
first calculate your Real Hourly Wage.
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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.
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Non-Monthly
Payment Calculator
This calculator will convert
your non-monthly payments into their monthly
equivalents, and then provide you will
a total. This total will represent how
much you will need to set aside each month
in order to make your non-monthly payments
as they come due. A great budgeting tool!
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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. But wait! Before you
approach your boss with this startling
computation, make sure you see both sides.
You know, your boss's "side"
and the "outside!"
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