Financial Calculators

Simple Mortgage Calculator

Here's a simple javascript that will calculate the monthly repayments of any loan. Fill in your loan details such as loan amount, annual interest rate and term of loan, hit the calculate button and the details will be displayed.

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.

Loan Comparison Calculator

This calculator will help you to compare the total interest charges of four different loans.

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.

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).

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.

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 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.

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.

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!