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Calculators

We have provided the financial calculators listed below to enable you to answer basic questions and begin to evaluate financial decisions ...

Loan Amortization
This calculator will amortize your mortgage over the loan period based on your input.

Credit Card Payment Calculator
This calculator will give an approximation of the finance charges that will accrue at a given rate of repayment of credit card debt.

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 you are about to discover, you will certainly notice the increased cash flow that will occur when you pay your mortgage off way ahead of schedule!

Car Cost Comparison
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.

Credit Card Minimum Interest Payment 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).

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.

Tip Chart
This calculator allows you to determine the tip value of any bill using the most common tip denominations (10, 15, and 20 percent). Because the amount of the bill is variable, that is, any numeric value may be entered, this handy chart is applicable to any service industry.

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!

Buy or Lease Calculator
Leasing a car or truck, rather than buying it, can be a good option for some people. If you lease, your monthly payments will be smaller than if you financed the purchase of the vehicle. However, at the end of the lease, you have no ownership of the vehicle, and the contractual obligations of the lease can be quite binding. Use this calculator to see the cost comparison of buying versus leasing, and make the decision for yourself!

Budget Calculator
In a society that is becoming increasingly 'cashless', it also becomes more and more expensive to balance finances with a virtual checkbook. Many individuals do not utilize the simplicity of noting their income versus their expenses, in turn driving their accounts into the red. Use this calculator to pinpoint and eliminate those hidden expenses and live within your means.

*Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.