The calculators in this free online auto calculator collection are dedicated to helping you to get the most out of your automobile budget at the lowest cost to your financial future. My goal is to expose and downplay the exaggerated benefits that automobile marketers use to get you to buy the outrageously expensive cars they are selling. Plus I will attempt to expose and emphasize the drawbacks and opportunity costs those same marketers intentionlly leave out of their sales presentations.
Auto Loan Comparison Calculator
This free to use online interactive worksheet will calculate the monthly payment and interest cost comparisons of up to 4 different car loan-term combinations. Also includes "
Interest Charge Quiz."
Auto Loan Early Payoff Calculator
This free to use online auto calculator will calculate the time and money savings that will occur if you pay off your car loan early, by adding a prepayment amount to your current monthly payment. Also includes
tips for getting things you truly want to appear in your future photographs.
Automobile Finance Calculator
This free to use online interactive worksheet will calculate the monthly payment and total purchase costs of buying a new car, which includes accounting for sales tax, trade-in allowance, down payment, and upfront financing costs. Also includes the answer to "
What are Upside Down Car Loans?," plus an amortization schedule that will forecast if and for how long you may be upside down in your car loan.
Automobile Lease Calculator
This free to use online interactive worksheet will calculate a car lease payment, plus give you a breakdown of how much of each payment will be going to depreciation, leasing fees, and sales taxes. Also includes "
How to Pay Cash for a Car."
Automobile Loan Payment Calculator
This free to use online interactive worksheet will calculate the monthly car payment and interest cost of an auto loan. Plus, unlike other auto loan payment calculators, this one will tell you how many hours you will need to work to pay all of the principal and interest payments. Also includes an idea for
how to become your own auto finance company.
Car Buying Calculator
This free to use online interactive worksheet will calculate the annual, monthly, and per mile cost to buy and own an automobile. A second column of entry fields allows you to perform car buying comparisons, or to see how changes to one cost element effects the overall cost of buying and owning. Be sure to read the prelude on this page to complete this sentence: The more you own ...
Car Affordability Calculator
This free to use online interactive tool will calculate how much car you can afford based on the size of the monthly payment that you feel will be affordable. Also includes "
Are You Bungee Jumping With a Cord That's Too Long?," plus an optional monthly amortization schedule.
Car Depreciation Calculator
This free to use online interactive tool will calculate the annual, total, and lifetime depreciation costs of owning a vehicle. Includes an explanation of
what depreciation is and why your understanding of how it accumulates is critical to preserving your potential future wealth.
Car Down Payment Calculator
This free to use online interactive tool will calculate the down payment amount from the down payment percentage, plus compare the resulting loan amount, monthly payment, and interest costs with 3 incrementally higher down payment percentages. Also includes "
What is a Down Payment?"
Car Lease Vs Buy Calculator
This free to use online interactive tool will calculate a year-to-year comparison between the cost of leasing and the cost of buying a car, as well as the long term consequences of repeating the lease or purchase each time you acquire a vehicle. Also includes "
Cash Versus Lease or Buy."
Drive Time Calculator to Calculate Driving Distances, Times and ETA's
Calculate the number of hours and minutes it will take to drive a given number of miles at a given speed. Now includes an optional distance calculator to calculate distances between two addresses, which also includes a route map and turn-by-turn directions. Plus, the calculator will even calculate your estimated date and time of arrival (adjusted for time zones and estimated stops), and your fuel-cost for the trip! Results also include a comparison chart showing how much time you will lose or save by driving slower or faster.
Fuel Consumption Conversion Calculator
Use this calculator to instantly convert between miles per gallon (US or Imperial) and liters (or litres) per 100 kilometers. The calculator not only shows its work, but also includes an option for creating a custom
fuel conversion chart that you can print out and take with you when shopping for a car. The page also includes conversion formulas, factors, and step-by-step examples showing you how to make the conversions manually.
Fuel Mileage Calculator
This free to use online interactive tool will calculate MPG and associated daily, monthly, annual, and lifetime gas expenses for your car, plus allow you to compare car gas mileage expenses against any number of higher MPG rates to see how much you will save if you switch to a car that gets better gas mileage. Also includes "
How to Calculate Gas Mileage" in case you wish to calculate MPG manually.
Refinance Auto Loan Calculator
This free to use online auto calculator will help you to decide whether or not you will save money by refinancing your car loan at a lower interest rate. You will also be made aware of the false advertising that refinance companies use to get you to bite on an offer than will actually end up costing you more money.
The budget calculators, interactive worksheets, and forms in this section are dedicated to helping you to create a realistic personal, family, or household budget that will allow you to live within your means while still maximizing your life business happiness profits. Unlike other sites with online budgeting tools, the budgeting tools on this site will alert you to the little-known, but incredibly important, opportunity costs of spending -- which are critical to successfully budgeting finances.
Budgeting Income Calculator with Pay Period Calendar
This free online budget calculator will forecast the combined household spendable income for each of the next 12 months -- for up to five income sources, regardless of pay period type (weekly, bi-weekly, etc.). Plus, you can also view and print-out a pay period calendar for each income source that you enter. Includes "
The Key to Budgeting Income."
Budgeting Percentages Average Calculator
This free online budgeting tool is based on the
Consumer Expenditure Survey
conducted annually by the U.S. Bureau of Labor Statistics. Simply enter your before-tax annual income and the calculator will display the monthly and annual average household expenses for survey respondents in your income bracket. You can also create a household budget worksheet to print out and use as a reference point for revising or setting up a budget.
Cash Budgeting Calculator for Hybrid Envelope Budgeting System
This free online budget calculator will calculate your envelope budget percentages and distribution amounts, plus give you the size and number of the various denomination of bills you will need in order to distribute precise cash amounts to your envelopes. You can even print out a detailed report to carry with you.
Christmas Budget Calculator with Interactive Budgeting Worksheet
This free online budget calculator will create an interactive worksheet containing the names of the people on your Christmas shopping list, along with a pre-filled amount field for each person. The worksheet then recalculates the budget totals as you make changes to the individual amounts. Then, once you have your shopping list budget set you can open the completed worksheet in a printer friendly window for printing. Page includes the
Countdown till Christmas (days and hours from today) and describes my Keys to Relieving the Stress of Holiday Gift Buying.
Eye-Opening Budgeting Tool for Personal Budget Planning
This free online budgeting tool will translate any expenditure into its daily, weekly, monthly, annual, work-life, and lifetime equivalents, plus show you the work-hours and interest earnings you are giving up in the process.
Prepare to be shocked!
Family Allowance Budget Calculator for Calculating Allowances for Kids and Parents
This free to use online budgeting tool will calculate allowance for kids and parents based on either your own preferred percentage split, or on allowances recommended by experts. Includes a printable family budget worksheet, along with several
reasons why using the budget surplus allowance system can help to create financial harmony within the household.
Free Personal Budgeting Calculator
This free online budget calculator will help you to formulate a realistic personal budget and allow you to print out any number of personalized, free, printable budget worksheets. Includes an
eye-opening, built-in opportunity cost feature that alerts you to what you'll be giving up in return for what you are spending your money on.
Monthly Budget Calculator
This free to use online budgeting tool will allow you to enter budgeted amounts for each of the twelve months of the year for one income category and up to nine separate outgo categories -- each containing up to ten customizable accounts. Includes a scrollable budget spread sheet for each category, plus options for creating printable blank, completed, detailed, or summarized monthly budget worksheets.
Non-Monthly Expense Budget Calculator for Irregular Bills and Expenses
This free to use online budgeting calculator will help you to meet your irregular bills and expenses as they come due, plus give you the option of creating a blank or filled-in printable non-monthly budget worksheet. Simply enter any number of irregular bills and expenses and the calculator cash-flow calculations will tell you how much is due each month, and at what point your cash flow account is in danger of running in the red.
Travel Budget Calculator with Built-in Trip Mileage Calculator
This free to use online budgeting tool will allow you to create your own self-calculating travel budget worksheet, either from scratch or from a sample trip expense list. Includes 9 built-in multipliers (one-time, adult, child, lodging night, travel day, fun day, day, mile, etc.). That way, if you make a change to a multiplier, like shorten your trip by one day for example, you will be able to see the cost difference instantly.
Personal Asset, Depreciation Expense Budget Calculator
This online budgeting tool will calculate how much you need to set aside each month to replace assets as they wear out (appliances, power equipment, motorized vehicles, home components, etc.). This will enable you to pay cash for the replacements instead of having to increase your debts. Also calculates individual and combined opportunity costs created by depreciation expenses. This will help you avoid making purchasing decisions that cause you to experience buyer's remorse.
Wedding Budget Calculator for Wisely Budgeting for a Wedding
This free to use online budgeting tool will allow you to create your own self-calculating wedding budget worksheet, either from scratch or from a sample wedding budget. Includes options for printing blank or completed worksheets, plus "
Don't Be Fooled By Average Wedding Costs" and " The "
Real Average Wedding Cost: $300,000!
The calculators in this small business tool section are dedicated to helping you save time and money on otherwise time-consuming and expensive business tasks, as well as to introduce you to various small business ideas, tips and concepts I've gleaned from my own 30+ years of being in business for myself.
Business Loan Payment Calculator with Eye-Opening Sales Revenue Feature
This free online small business calculator will calculate the periodic payment needed to repay the principal and interest of a small business loan -- within the desired time frame and at the preferred payment interval. Plus, this small business loan calculator will even estimate how much sales revenue your business will need to generate in order to repay the loan's principal and interest. The page also includes
3 Important Small Business Lessons that I have learned during my 30+ years of owning my own businesses.
Double Declining Balance Calculator with Printable Schedule
This free online business calculator will help you to instantly calculate the double declining depreciation rate and expense amount for a given tax year. Includes an option for including a year-by-year depreciation schedule in the results, as well as a button to open the schedule in a printer friendly window. Includes a step-by-step example showing
How to Calculate Double Declining Balance Depreciation.
MACRS Depreciation Calculator Based On IRS Publication 946
This free online calculator will calculate a property's depreciation rate and expense for a given tax year based on Chapter 4 of IRS Pub 946. Includes a brief answer to
What is MACRS? and a step-by-step example showing How to Calculate MACRS Depreciation. Also includes an option for creating and printing a property's MACRS depreciation schedule.
Restaurant Food Cost Calculator for Portion and Menu Costing
This free online restaurant food cost calculator will help you to quickly and easily break down bulk food purchase costs into portion costs, and then calculates the food cost percentage for you. You can either use the calculator to cost a single inventory purchase, or to price a recipe or menu item. Includes a
Food Cost Percentage Formula tutorial.
Self-Employment Tax Calculator
This free online small business calculator will estimate your medicare and social security taxes from the profits you expect to generate from your business. The calculator includes a built-in tool for annualizing non-annual profit figures, and includes a completed
Self-Employment Tax and Deduction Worksheet in the results. The page also gives brief answers to What is Self-Employment Tax? and What is the Self-Employment Tax Rate?
Straight Line Depreciation Calculator with Printable Schedule
This free online business calculator will help you to quickly calculate a depreciable asset's first, final, and interim expense amounts using the straight line depreciation method. Includes an option for including a depreciation schedule in the results, as well as a button to open the schedule in a printer friendly window. Also includes a brief answer to
What is Depreciation? and a step-by-step example showing How to Calculate Straight Line Depreciation.
Website Advertising Revenue Calculator to Estimate Traffic Ad Revenues
Whether you have no site, an existing site without ads, or an existing site with ads, this free online ad revenues calculator will help you to estimate the traffic or pages/posts your website or blog might need in order to achieve your advertising revenue goal. The calculator can forecast traffic from eCPM or RPM estimates, and includes an option to print out the month-to-month traffic and revenue forecast. Page includes the formula for estimating traffic needs, plus answers to
What is the Online Advertising Revenue Model? and How Do You Earn Money From the Ads?
The credit card calculators in this section are dedicated to helping you to experience the pain of buying on credit before you buy, and to lessen the pain caused by failing to properly do that in the past.
Average Credit Card Interest Rate Calculator
This free online interactive worksheet will calculate the credit card average APR for all of your cards that have balances on them, using a weighted average formula. Discover why knowing the weighted average is
Calculate Credit Card Payoff Comparison
This free online interactive tool will calculate the time and interest savings that you will realize if you switch from making the declining minimum monthly payments, to making fixed monthly payments.
Compare Credit Card Balance Transfer Calculator
This free online interactive worksheet will calculate the comparison between two or three different balance transfer offers. Unlike other online comparison calculators that only show the first year comparison, this tool will calculate the comparison between now and when the balance is paid off.
Credit Card Balance Calculator
This free online interactive worksheet will attempt to forecast if and when you will max out your card based on your current charging habits and on making only the declining minimum monthly payment. Includes step-by-step process for "
How to Trap a Human Being."
Credit Card Balance Transfer Calculator
This free online interactive tool will calculate the net consequences of transferring higher rate card balances to a card offering a lower introductory rate. Also includes the important factors that need to be considered before going ahead with the transfer.
Credit Card Consolidation Calculator
This free online interactive worksheet will calculate the payment, interest charge, and term savings that will occur if you consolidate all of your cards into one loan.
Credit Card Finance Charge Calculator
This free online interactive worksheet will calculate the current finance charges on a credit card balance that consists of multiple interest rates. Plus, you will also
discover a jaw-dropping method card companies use to secretly suck the greatest possible amount of money from your potential future wealth.
Credit Card Interest Calculator
This free to use online calculator is an alternate version of the finance charge calculator as suggested by an insightful visitor. This version calculates the minimum payment amount for you based on the minimum payment percentage and minimum dollar amount, and includes a month-by-month payment allocation comparison for as long as it takes to pay off both allocation methods (instead of for just the first five years).
Credit Card Interest Rate Comparison Calculator
This free online interactive worksheet will compare the opportunity costs (foregone interest earnings) of one rate against rates that are 1% to 4% lower.
Credit Card Minimum Payment Calculator
This free online interactive tool will calculate the monthly minimum payment and interest charges based on the percentage method used by your card company -- to insure they can continue to set new, all-time-high records for bonus checks paid to a executives.
Credit Card Monthly Payment Calculator
This free online interactive tool will calculate how much your monthly payment will need to be in order to achieve your credit card payoff goal, plus show you how much time and interest you will save in the process.
Credit Card Payoff Calculator
This calculator will calculate how many months it will take to pay off a single credit card given the payment amount you can afford -- with or without future charges and annual fees. Or, the calculator can also tell you how much your payment will need to be to pay off the balance within a certain number of months. Also includes the total interest you will pay, and a printer friendly payoff chart.
Imagine being free to choose your work based on how much joy and self-fulfillment it brings you instead being forced by your financial obligations to work at a thankless, stress-filled job. Use these free online debt reduction and payoff tools to achieve financial freedom.
Financial Freedom Calculator: Next Step After Debt Freedom
This calculator will calculate how long it will take to become financially free after becoming debt-free. The idea behind this calculator is that once you manage to pay off all of your debts, including your mortgage, you will then be able to start investing the total of your freed-up debt payments, plus any additional funds you were applying to your debt repayment plan.
Debt Pay Down Calculator
This free online calculator will calculate the interest savings that will occur if you apply a one-time amount to paying down a given debt, and offers
a unique idea on where you might drum up the additional cash.
Debt Payment Calculator
This cool free to use calculator will help you to calculate how much of your current debt payment is going to be applied your balance owed, and how much is going to kept by your lender. If you're not keeping track,
you should be!
Debt Pay Off Calculator
This free online calculator will calculate the monthly payment required to pay off a given debt within the length of time you specify. Plus, it will also compute how much interest you will save (earn!) by paying the debt off early.
Debt to Income Ratio Calculator
Do you know your debt to income ratio (DTI)? You should. It's how you track your progress to financial freedom. Use this tool often to calculate your personal DTI, a.k.a., your
telltale "fiscal" vital sign.
Consolidate Debt Calculator
This interactive tool will calculate your real debt consolidation loan consequences as opposed to what the lender might be telling you, plus present you with a list of debt consolidation pros and cons.
Cost of Debt Calculator
This interactive tool will calculate the cost of a debt in terms of the interest you could be earning on the interest charges you are paying. As you will see,
the interest charges you are paying on your debts is only the tip of the "cost of debt" iceberg!
Free Rapid Debt Reduction Calculator
This free to use, online calculator will calculate how much time and money you could save by paying off your debts using the "rollover" method --
a method that can save you a ton of money in interest charges and allow you to get out of debt sooner than you ever thought possible!
Get Out Of Debt Calculator with 60 Booster Rockets
This comprehensive online calculator not only calculates the amazing time and interest savings from paying off your debts using the rollover method (instead of the
"bend over" method), but also gives you 60 ways to jet propel the process.
Invest in Your Debt Calculator
This cool financial tool will help you to answer the age-old question: Should I pay off debt, or should I invest? It also includes
the secret as to why no one is trying to sell you on paying off your debt.
This free online income calculator collection includes pay, wage, salary, and paycheck calculators, all designed to help you maximize the financial and emotional returns from the hours you're investing in your job or profession.
2-Column Bi-Weekly Timecard Calculator
This online income calculator will allow you to easily total up your bi-weekly timecard hours and then calculate your total regular and overtime wages for the 2-week period. Includes 2
In/Out columns and a printable time card report feature so you can print a copy of the completed time card calculations for your payroll clerk.
2-Column Weekly Timesheet Calculator
This free online income calculator will allow you to quickly total up your weekly timesheet hours and then compute your total regular and overtime wages for the week. Includes 2
In/Out columns and a printable time sheet report feature so you can print out a copy of the completed timesheet calculations.
3-Column Bi-Weekly Time Card Calculator
This biweekly income calculator will allow you to easily total up your biweekly time card hours and then compute your total regular and overtime pay for the two week period. Includes 3
In/Out columns and a printable time card report feature so you can print out a copy of the completed time card calculations for your paymaster.
3-Column Weekly Time Sheet Calculator
This free online income calculator will allow you to quickly total up your weekly time sheet hours and then compute your total regular and overtime gross pay for the week. Includes 3
In/Out columns and a printable time sheet report feature so you can print out a copy of the completed time sheet calculations for your payroll clerk.
4-Column Weekly Time Sheet Calculator
This calculator is the 3rd version of the original 2-column weekly timesheet calculator, but with 4
In/Out columns to accommodate employees that regularly have three unpaid breaks per workday.
3-Column Semi-Monthly Timesheet Calculator with Partial Week OT Calculations
This free online time and wage calculator will calculate the regular time, over-time, and gross wages for employees that are paid twice per month. Includes a
built-in method for tracking weekly overtime for workweeks that span two different semi-monthly payroll periods!
Semi-Monthly Timesheet Calculator with Weighted Average Overtime Method
Use this calculator if you pay twice per month (1st-15th and 16th-EOM) and have multiple hourly rates. The calculator uses the weighted average method for calculating overtime pay. You can allocate each time block to any one of up to 5 custom activity rates.
Printable Blank Time Sheet Creator
Use this tool to design and print timesheets for your employees that will correspond to whichever of the above calculators you are using to calculate employee hours and gross wages.
Annual Salary to Hourly Pay Calculator
This online hourly pay calculator will translate your annual salary into its hourly, daily, weekly and monthly equivalents.
Between Dates Income Calculator
This calculator will calculate the work-related stats between two past, present, or future dates -- including number of work weeks, workdays, days off, and work hours, plus estimate the gross wages earned for the selected time span.
Cool Pay Raise Calculator with Eye Opening Surprises
This free online calculator will not only calculate your pay raise or cost of living (COL) raise, but will also translate the raise into every common and not-so-common time period -- including
how much the raise will add up to between now and when you plan to retire!
Free Online Paycheck Calculator
This very popular calculator will estimate your net take home pay after calculating your deductions and federal and state income tax withholding. Includes a field to enter claimed tips, which in turn includes a built-in calculator for calculating claimed tips as a percentage of sales. Also includes a printer friendly report so you can adjust future entries to get the estimated net pay to more closely match the actual.
Hourly Pay to Annual Salary Calculator
This online annual salary calculator will translate your hourly pay into its yearly, monthly, weekly and daily equivalents.
Lifetime Earnings Calculator
This online lifetime earnings calculator will calculate how much money you will earn between now and when you retire based on your anticipated annual Cost of Living (COL) increases. It also attempts to explain
the real reason why the rich get richer.
MLM Income Calculator
This free online calculator will forecast your monthly multi-level marketing income based on your recruitment and product sales projections -- through up to 10 levels. Includes a list of considerations not found in MLM sales-presentations.
Overtime Calculator to Calculate Time and a Half and More
This calculator will calculate your overtime rate plus your periodic and annual overtime wages. Includes
What is Overtime Rate? and How to Double Your Overtime Rate.
Real Hourly Wage Calculator
Your life is a business just like any other business. And as such, your true net income (profit) from selling one hour of your time, skills and abilities to others is what's left
after accounting for all work-related time and expenses.
Salary Inflation Calculator
This online income calculator will estimate how much your income will need to increase by next year in order to keep pace with inflation, and discusses
a cause of buying power reduction that can be even more significant than inflation.
Stay At Home Calculator
This free online stay at home calculator will add up all the expenses and taxes that you are paying just to keep your job, and then calculate the net effects of eliminating those expenses and taxes by quitting work to become a stay at home parent.
This free online investing calculator collection will include calculators and tools for savings accounts, certificates of deposit (CDs), money market accounts, mutual funds, stocks, and bonds, plus various types of return on investment (ROI) calculators. Throughout this section you will also be introduced to rarely mentioned, non-traditional types of investments. You know, the types of investments that don't reward brokerage firms with commissions or fees, which means the brokerage firms have no incentive to try to sell you on choosing these non-traditional types of investments -- even when they might be the best investment of your money based on your financial situation.
APY Calculator to Calculate Annual Percentage Yield
This free online investing calculator will calculate the Annual Percentage Yield, also known as the Effective Annual Rate (EAR), from a stated nominal or annual interest rate and a given interest compounding frequency. Includes two versions of the APY formula, a brief answer to "
What is APY?", along with an explanation of " APY vs APR."
Bond Value Calculator for Bond Valuation or Pricing
This free online investing calculator will calculate the expected trading price of a bond given the par value, coupon rate, market rate, and years-to-maturity, and show its work. Includes brief answers to "
How do you calculate the value of a bond?", " Why do bond prices change?" and " Why do bond prices and interest rates move in opposite directions?".
Bond Yield to Maturity Calculator for Comparing Bonds
This free online investing calculator will calculate a bond's total annualized rate of return for a bond that is held until its maturity date. Using this calculator to calculate yield to maturity (YTM) will help you to quickly compare the total return on bonds with different prices, maturities, and coupon rates. Includes a brief answer to "
What are bonds?" for purpose of understanding the need for yield to maturity calculations.
CD Laddering Calculator to Calculate a Certificate of Deposit Ladder
This free online investing calculator will calculate a CD ladder based on the amount of funds you have available for CD investing, as well as the length of time you are comfortable with not having access to your cash. Includes a brief answer to "
What is a CD ladder?" and " How does a CD ladder work?".
CD Rate Calculator to Calculate Certificate of Deposit Interest and APY
This free online investing calculator will calculate a certificate of deposit interest and annual percentage yield (APY), plus allow you to set the compounding interval to match the interval of the CD you are calculating interest for. Includes a brief answer to "
What is a CD?" along with a link to an unbiased source for more in-depth study.
CD Savings Calculator to Compare Certificate of Deposit Interest Rates
This free online investing calculator will calculate and compare the interest earnings and annual percentage yield on up to 4 different certificates of deposit -- even if the rates, maturities, and compounding intervals are different. Includes "
When should you consider CD investing?" along with an average annual interest earnings chart.
CAGR Calculator to Calculate Rate of Return of an Investment
This free online investing calculator will calculate the compound annual growth rate (CAGR) of an investment given the beginning value, the ending value, and the number of years between them. Plus, the calculated results also shows the steps used to arrive at the solution, along with an annual growth chart. Includes brief answers to "
What is CAGR?", " What CAGR is Useful For", and " How To Calculate CAGR?".
IRR Calculator to Calculate ROR for Periodic Cash Flows
This calculator will calculate the internal rate of return (IRR) on an investment where deposits and withdrawals occur at regular intervals. The calculator will execute up 100,000 trials and errors in order to find an annual rate that will solve for the schedule of payments and income. Also includes a printable chart showing the future value of each cash flow at the calculated rate.
XIRR Calculator to Calculate ROR for Non-Periodic Cash Flows
This calculator will calculate the internal rate of return (IRR) on an investment where deposits and withdrawals occur at irregular intervals. The calculator will perform up to 100,000 iterations in order to find a rate that will solve for the schedule of deposits and payments. Also includes a printable chart showing the future value of each cash flow at the calculated rate.
Money Market Account Calculator for Money Market Deposit Accounts
This free online investing calculator will calculate the compound interest earnings on money market deposit accounts given the interest rate, length of time, initial deposit, and periodic deposit amount -- plus display a year-to-year investment growth chart. Includes brief answers to "
What is a money market account?" and " What are money market accounts best suited for?".
Mutual Fund Calculator for Comparing Mutual Funds Costs and Yields
This free online investing calculator will calculate a fund's after-expense growth and equivalent annual yield. You can then print out the results, including an annual growth chart that can then be used for mutual fund comparison. Includes brief answers to "
What are mutual funds?" and " How do mutual funds work?".
NPV Calculator to Calculate Discounted Cash Flows
This calculator will calculate the Net Present Value (NPV) for a series of future cash flows. Plus the calculator will display a printer friendly Discounted Cash Flows Schedule that you can print out and use for sensitivity analysis. Also includes brief answers to
What is NPV?, What is Discounting?, and What is the Discounted Cash Flow (DCF) Method?, along with an example that illustrates the importance and benefits of conducting NPV analysis on prospective investments.
Savings Account Interest Calculator with Compound Interest Calculation
This free online investing calculator will calculate the compound interest earnings on saving accounts given the rate, length of time, initial deposit, periodic deposits, and compounding frequency (including daily compounding). Includes how "
A Savings Account Can Save You Money and Worries."
Stock Calculator for Calculating Return on Investment
This free online investing calculator will calculate the current yield and annualized holding period yield for a stock invesment. Includes brief answers to "
What is a stock?", " Why invest in stock?" and " Why invest in "
your own stock?
Stock Earnings Per Share Calculator for Calculating EPS Ratio
This free online investing calculator will calculate a stock's earnings per share ratio given the company's net income, preferred dividends paid, and the average number of common shares outstanding. Includes brief answers to
What is EPS? and What is meant by , as well as alert you to what a reported earning per share figure may be hiding from you.
Stock Growth Rate Calculator to Measure EPS Increases Over Time
This free online investing calculator will calculate growth rate percentages from periodic earnings per share figures. Includes brief answers to
What is Growth Rate? and What is .
Stock Growth Rate Useful For?
Stock Investment Calculator to Calculate Expected Rate of Return
This free online investing calculator will calculate a stock investment's expected rate of return (ERR) given the current dividend, current share price, and the expected growth rate. Includes brief answers to
What is ERR? and What is .
ERR Useful For?
Stock Options Calculator for Employee Stock Option Valuation
This free online investing calculator will calculate the future value of employees stock options (ESO) based on the anticipated growth rate of the underlying stock shares. Includes a year-to-year growth rate comparisons chart and a brief answer to
What Are Employees Stock Options?.
Stock Price Calculator for Common Stock Valuation
This free online investing calculator will calculate the maximum price you could pay for a stock and still earn your required rate of return -- using the dividend growth model. Includes brief answers to
What is Required Rate of Return? and How Do you Calculate the Value of a Stock?.
Weighted Average Shares Outstanding Calculator
This investment calculator will calculate the weighted average number of common shares outstanding for up to 12 different stock transaction dates. Calculations are based on durations in number of days instead of number of months. Includes brief answers to
What is Weighted Average? and How Do You Calculate Weighted Average Shares Outstanding?.
Before you sign that loan agreement, be sure to visit these free, eye-opening, interactive tools to find out just what you're getting yourself into ahead of time.
Balloon Loan Payment Calculator with Amortization Schedule
This free online interactive worksheet will calculate the monthly payment, interest cost, and balance due on any combination of balloon loan terms -- plus give you the option of including an amortization schedule with the results. Includes answer to "
What is a Balloon Payment?"
Bi-weekly Loan Calculator
This free online interactive worksheet will calculate your biweekly payment, plus show you how the payment amount and interest charges compare to other payment intervals. Includes "
The BEST of all payment frequencies."
Early Loan Payoff Calculator
See how adding just a few dollars a day to your payment can pay off big time -- in both time and money.
Figure Loan Payments Calculator
This free online interactive worksheet will calculate the payment, interest cost, and work hours required to pay back a loan. Includes "
Crossing a High-Speed Intersection" and " What Am I Giving Up?"
Fixed Payment Loan Comparison Calculator
This free online interactive worksheet will calculate the side-by-side payment and interest cost comparision for up to four different loans.
Free Loan Amortization Calculator
This free online tool will calculate the unknown loan variable if the other three variables are known, plus give you the option to create and print a free loan amortization schedule.
Lender Loan Balance Calculator for Sporadic and Uneven Repayments
This free online loan balance calculator will help you to find the balance for loan repayments that have not been made in accordance with the original terms. The calculator creates a monthly payment schedule based on the span of time you specify, wherein you change the contract payment amounts to match the actual payments made (the balance column updates as you make changes). Plus, you can even extend the payment schedule beyond the original number of payments for cases where skipped payments have extended the length of the loan. Also handles late fees,
US Rule or Normal methods, and includes an optional printer friendly revised loan amortization schedule.
Line of Credit Loan Calculator
This calculator will calculate and compare the equity line of credit limits, interest-only payment amounts, and the 10-year interest costs for up to four different lender loan-to-value (LTV) ratios at one time. Includes anwsers to "
How is Your Line of Credit Limit Determined?" and " How Does a HELOC Work?"
Loan Affordability Calculator
This calculator will calculate the size of the loan you can take out based on the size of the periodic payment you can afford to make. Simply enter the rate, number of payments, and payment amount you can afford, and the calculator will tell you the size of the loan (principal). Plus, if you are a private lender, the calculator also provides for up to 8 rate and/or payment modifications to help you tailor the loan to your customer's current and future financial situation. Also includes a printer friendly amortization schedule.
Loan Interest Payment Calculator
This free online interactive worksheet will calculate the interest-only payment on a principal balance for all of the most popular payment frequencies. Includes answer to "
What is an Interest Only Loan?" and reveals the real " Benefit of Interest Only Loan."
Loan Pay Off Calculator for Variable, Irregular, Extra, and Balloon Payments
This free online loan pay off calculator will help you to create a revised loan amortization schedule based on payments you have made (and/or will make) that were different from those specified in the original loan agreement. Also includes an optional printer friendly revised loan pay off chart, complete with the principal-interest breakdown and outstanding balance for each payment period.
Loan to Value (LTV) Calculator
This free online interactive worksheet will calculate your LTV ratio for either your current home, or a home you are looking to buy. Includes answer to "
What Do the Numbers Mean?"
Missing Term Loan Calculator
This free online interactive worksheet will calculate the unknown variable given the other three known variables. Very useful for calculating the current payoff amount.
Monthly to Biweekly Loan Payment Calculator
This free online calculator will calculate the time and interest you will save if you switch from making monthly loan payments to bi-weekly loan payments. Includes "
13 is Not Unlucky.
Remaining Balance Calculator to Calculate Loan Payoff Amount
This free online loan balance calculator will calculate the payoff amount and number of payments made for an existing loan based on the month and year of the first payment. Also includes an optional printer friendly schedule of payments made, complete with the principal and interest breakdown for each payment made.
Simple Loan Payment Calculator
This simple calculator will get your feet wet with using our tools for calculating the consequences of buying on credit.
These free online home mortgage calculators can be used to calculate house purchases, closing costs, principal and interest payments, private mortgage insurance (PMI), refinancing, mortgage term and rate comparisons, and affordability. All calculators in this section include bite-sized chunks of the critical decision-making information that real estate brokers and mortgage companies tend to leave out of their sales presentations.
Biweekly Extra Mortgage Payment Calculator
This calculator will calculate the time and interest you will save if you switch from making monthly mortgage payments to paying 1/2 of your mortgage payment -- plus an extra amount -- every 2 weeks. The results include a side-by-side comparison of monthly vs bi-weekly payoff timeframes and interest costs, plus a button for creating a printer friendly report with optional biweekly amortization schedule.
Biweekly Mortgage Payment Calculator
This free to use online calculator will calculate the bi-weekly payment and the time and interest savings that will occur if you switch from making monthly mortgage payments to paying 1/2 of your mortgage payment every two weeks. Includes "
How to Double Your Bi-weekly Payment Savings."
Early Payoff Mortgage Calculator to Calculate Mortgage Payoff Goal Payment
This free to use online calculator will calculate the amount you will need to add to your monthly house payment in order to pay off your mortgage within a desired time frame -- plus calculate how much interest you will save in the process. Includes "
How a Coffee Habit Can Cost You $33,000, or More!"
Extra Payment Mortgage Calculator to Calculate Mortgage Payoff Savings
This free to use online calculator will calculate the time and interest you will save if you make one-time, monthly, and/or annual extra payments on your house loan. Includes "
Get Your Share of the Bailout Money!"
This free to use online calculator will calculate the amount of the Home Equity Line of Credit you may qualify for based on the appraised value of your home, your current outstanding mortgages against the home, and the loan to value (LTV) the lender is willing to extend to you. Includes "
What is a Home Equity Line of Credit (HELOC)?"
HELOC Payment Calculator
This free to use online calculator will calculate the monthly interest-only HELOC payment given your current balance and interest rate, plus calculate the principal and interest payment that will take effect once the draw period expires. Includes "
HELOC versus Home Equity Loan."
Home Mortgage Refinancing Calculator
This free to use online calculator will calculate the net-consequences of refinancing your home loan at a lower interest rate. Plus, unlike most other mortgage refinancing calculators, this calculator will tell you how many months you need to stay in your refinanced home in order for the lower interest rate savings to offset the cost of the new home loan. Includes "
When are "
Savings Truly Savings?
House Affordability Calculator
This free to use online calculator will calculate the price of the home you may be able to afford based on the amount of cash you have available for a down payment, and on the monthly funds available for making your mortgage payment and for paying the ongoing home ownership costs.
Interest-Only Home Loan Calculator
This free to use online calculator will calculate the before and after payments and the total cost of an interest-only home mortgage. Includes "
How to Use Interest-Only Payments to Save a Fortune."
Monthly House Payment Calculator
This free to use online interactive calculator will calculate the monthly payment and total interest costs of a home mortgage. Includes "
Grow Slow, Pay As You Go" home buying method.
Mortgage Interest Rates Calculator for Comparison of Mortgage Rate Costs
This free to use online calculator will calculate mortgage rates cost comparisons of up to four different home loan interest rates. Includes "
Is a Home Loan a "
Mortgage Prequalification Calculator
This free to use online calculator will calculate whether or not you would qualify for a home loan, and if so, how much of a home loan you might be qualifying for. Includes a printer friendly report, a printable amortization schedule, and
a qualifying ratio that lending institutions don't want you to consider.
Mortgage Recast Calculator to Calculate Reduced Payment and Re-amortization Savings
This online calculator will calculate the reduced payment amount and resulting interest savings if your home loan lender secretly offers
mortgage recasting. Includes a savings comparison chart and an optional re-amortization schedule. The page also includes answers to the questions, What is a Mortgage Recast? and Is Recasting a Good or Bad Idea?
Mortgage Savings Calculator to Calculate Mortgage Prepayment Savings
This free to use online calculator will calculate the interest you will save if you add any number of prepayments to your future house payments for as long as you plan on staying in your current home instead of until the home is paid off. Includes a year-by-year mortgage interest savings chart and an answer to the question,
How Do Prepayments Create Mortgage Interest Savings?
PITI Mortgage Calculator: Insurance, Mortgage Payment, Tax
This free to use online calculator will calculate and total the monthly principal, interest, tax, insurance, and private mortgage insurance (PMI) payments that normally come attached to a home loan. Includes optional amortization schedule and
number or work-hours required to make all of the payments.
Prepay Mortgage Calculator to Calculate Monthly Prepayment Savings
This free to use online calculator will calculate the time and interest you will save if you prepay your mortgage by adding a prepayment amount to your current house payment. Includes "
No Compass Vs. A Faulty Compass."
Rent Vs Buy Mortgage Calculator
This free to use online calculator will calculate and compare the cost of renting to the cost of buying a home -- including all of the home ownership costs that mortgage brokers and real estate agents hope you will ignore. Includes a printer-friendly rent or buy home report, and "
Don't Be an Ostrich."
Second Mortgage Payment Calculator
This free to use online calculator will calculate the monthly principal and interest payment needed to repay a home equity loan, plus calculate the total interest you will pay by the time you pay off the 2nd loan. Includes "
What is a Second Mortgage?"
Variable or Adjustable Rate Mortgage Payment Calculator
This free to use online variable rate mortgage calculator will calculate the initial payment, maximum payment, and adjusted payments for an ARM loan. Includes Adjustable Rate Mortgage Definition, Basics, Types, and Warnings -- plus a printer friendly summary, adjustment chart, and amortization schedule.
Weekly Mortgage Payment Calculator to Compare Mortgage Interest Savings
This free to use online calculator will calculate the weekly payment for a new mortgage, and/or calculate the time and interest savings you could realize if you started making the equivalent of 13 payments per year (bi-weekly) or the equivalent of 14 payments per year (weekly). Includes a year-by-year balance comparison chart for monthly, bi-weekly, and weekly mortgage payments, plus a brief discussion of
Weekly Mortgage Payments Vs. Monthly.
The personal finance calculators and tools in this section will help you to calculate net worth, checking account reconciliation, compound interest, present value, future value, opportunity costs, and more. The ultimate goal of this section is to help you to become aware of the important financial concepts that our k-12 education has left up to us to discover on our own, which in turn has made us easy prey for the marketing geniuses employed by the corporate world. Once we become aware of and understand these concepts we will begin to make decisions that will serve our own best interests, rather than serve the best interests of those who stand to gain from our financial illiteracy.
Checking Account Reconciliation Calculator
This free online personal finance calculator will help you to reconcile a bank statement with your checkbook. Includes an option to print out a blank, free bank reconciliation form. Also includes answers to
Define Reconciliation?, Why is Checkbook Reconciliation Necessary?, and Why Reconcile Bank Account?, plus provides step-by-step instructions for How to Balance Check Book.
CPI Calculator to Calculate Future or Historical Inflation
This personal finance calculator will calculate the effects of inflation or deflation on a past, present, or future dollar amount. For past calculations, the calculator uses the actual US Consumer Price Index, while future calculations are based on your own expected inflation rate. Includes a printer friendly year-by-year report feature for all calculated results, plus brief answers to the questions,
What is CPI?, Why is the Inflation Rate Important?, and What Causes the CPI to Rise or Fall?
Future Value Annuity Calculator to Calculate Future Value of a Series of Equal Cash Flows
This free online personal finance calculator will calculate the future value of a series of equal cash flows for either an annuity due or for an ordinary annuity, for a specified period of time, and at a specified annual interest rate. Includes a year-to-year growth chart, an example of opportunity cost calculation, an explanation of
Annuity Due Vs. Ordinary Annuity, and brief answers to What is Annuity? and Why is Future Value of An Annuity Important for You to Understand?
Future Value Annuity Payment Calculator to Calculate Periodic Payments Needed to Achieve Future Savings Goal
This free online personal finance calculator will calculate the future value of a lump sum and then uses the appropriate future value of an annuity factor to calculate the periodic annuity payment needed to bridge the gap between the future value of your present savings and your future savings goal. Also known as a
Savings Goal Calculator, this calculator includes an expanation of how two different future value calculations are needed to calculate annuity payments, and includes a year-to-year future value table so you can see how your present savings, when combined with your annuity payments, will grow achieve your savings goal.
Future Value of Money Calculator to Calculate Future Value of Lump Sum
This free online personal finance calculator will calculate the future value of a lump sum given the compounding interest rate, the compound interval, and the number of months or years. Includes a year-to-year growth chart, an example of opportunity cost calculation, and brief answers to
What is Future Value? and What are Future Value Calculations Useful For?
Household Net Worth Calculator for Creating a Personal Balance Sheet
This free online personal finance calculator will help you to create a statement of net worth, which is one of two essential personal finance statements for measuring your financial progress. Includes an optional column of entering data from a past net worth statement for comparison purposes, as well as a method for saving your data to your own computer so you can import the data back into the calculator each time you return to re-calculate net worth. Also includes brief answers to
What is Net Worth?, Why is Calculating Net Worth Important?, and How Often Should You Calculate Net Worth?
Percent Off Calculator to Calculate Discount Sales Price
This free online discount calculator will calculate the sales price given the original selling price and the percentage markdown. Plus, unlike other discount calculators, this discount calculator includes an option for including sales tax in the calculations. Also includes the answer to
How 20% Off Can Cost You 100%.
Present Value Annuity Calculator to Calculate Present Value of a Future Series of Equal Amounts
This free online personal finance calculator will calculate the present value of an annuity starting either with a future lump sum (loan) or with a future payment amount (retirement annuity), and for either an ordinary annuity or for an annuity due. Includes a year-to-year chart showing how the future sum will decline to zero, a shocking example of the importance of
Being On the Right Side of Compounding Interest Equation, and a brief answer to What is Present Value of An Annuity?
Present Value Calculator to Calculate Present Value of Lump Sum
This free online personal finance calculator will calculate present value for a future lump sum of money based on the present value discount rate, the discounting interval, and the number of months or years. Also includes an example of how present value calculations apply to family money management and personal financial planning, plus a brief answer to
What is Present Value?
Purchase Receipts Calculator for Easy Personal Expense Tracking
This free online personal finance calculator will tabulate and categorize your spending from your purchase receipts, plus the printer friendly expense report lists the time and financial opportunity costs for each spending category and sub-category. Includes an introduction and instructions for the easy receipt system I use for keeping track of expenses and controlling my spending. Also includes
The Importance of Keeping Track of Expenses, and Keeping Track of Expenses the Hard Way.
Sale Tax Calculator for Calculating Sales Taxes on Purchases
This free online personal finance calculator will calculate the sales tax amount on a pretax price, or calculate the sales tax portion of a tax-included price. The introduction includes
How Much Sales Tax Are You Paying On Your Wages?, How To Reduce Your Work Hours, and How to Calculate Sales Tax.
Tip Calculator to Calculate Gratuity and Split the Check Fairly
This gratuity calculator will not only calculate the tip and split the total among the parties paying separately, but it also includes an interactive feature for splitting the check and tip based on the relative size of each party. You can also round the check, tip, or total up or down as you see fit.
Time Value Calculator to Calculate Present and Future Value of Your Time
This free online personal finance calculator will calculate how much a block of your present time could be worth in the future, as well as how much discretionary time that future value represents. Includes revealing explanations as to why
Money DOES NOT Equal Profit and YOU, Not Your Employer, Determines How Much You Earn, plus lists the 4 basis steps to transitioning from a work you hate to a work that fulfills your need for creative self-expression.
Time Value Money Calculator to Calculate Opportunity Costs of Depreciables
This free online personal finance calculator will calculate the time and financial opportunity costs of buying and owning goods that lose their value with time and use (depreciating assets), and that may come with one or many ongoing ownership costs. Includes an eye-opening explanation as to why
The Price Tag on a Depreciable Asset is Like a Tsunami in the Middle of the Ocean, as well as brief answers to What Are Depreciable Assets? and How to Earn Hundreds of Dollars Per Hour.
Time Value of Money Calculator to Calculate Opportunity Costs of Expendables
This free online personal finance calculator will calculate the opportunity costs of regularly spending an amount of money on a consumable product or service (perishable, expendable, etc.). Plus, this calculator will also calculate the reduction in opportunity costs that will occur if you switch from a higher priced consumable (name brand) to a lower priced substitute (generic or store brand). Includes an eye-opening introduction to
The Money Value of Your Time, as well as brief answers to What is Time Value of Money? and Why is the Time Value of Money Concept Important?
The key to turning your retirement dreams into retirement realities begins here. Use these online calculators to calculate retirement scenarios related to IRAs, Roth IRAs, conversions, savings, expenses and more.
Retirement Income Calculator
This online calculator will estimate how much you will need to have saved by the time you retire in order to meet your monthly income goal -- with and without considering the effects inflation will have on your future buying power. Plus, the calculator will also tell you how much you will need to deposit each month in order to grow your retirement savings to the prescribed balance.
Calculate Your Life Expectancy According to the IRS
This calculator uses the Single Life Expectancy Table from IRS Publication 590-B to estimate how long you will live.
IRA Distribution Calculator (for ages 20-69)
This online calculator will forecast the future year-by-year growth of your IRA, along with required distributions once you reach age 70-1/2 (IRA owners ages 20-69).
IRA RMD Calculator (for age 70 and older)
This online calculator will estimate the required minimum distribution factor and amount for the current distribution year (IRA owners age 70 and older).
IRA Savings Calculator for Tax-Deferred Comparison
This online calculator will help you to forecast the future value of an Individual Retirement Account, and then compare the tax-deferred future value to that of a non-qualifying retirement investment.
IRA Withdrawal Calculator (for age 70 and older)
This online calculator will help you to forecast the future year-by-year minimum required withdrawals your Traditional IRA (IRA owners age 70 and older).
Life Expectancy Quiz
This quiz calculates your life expectancy based on your age and 24 questions related your lifestyle, health habits and family history, and then compares your life expectancy with the average life expectancy in the US.
Retirement Fund Calculator
This is the most comprehensive of the retirement planning calculators, as it includes options for factoring in inflation, taxes, up to three post-retirement incomes, a one-time benefit, and more. Also includes a printer friendly report.
Retirement Saving Calculator
This online calculator will estimate you much you will need to have saved by the time you retire in order to meet your monthly income goal.
Roth IRA Conversion Calculator
This calculator will calculate and compare the net consequences of leaving an existing traditional IRA as is, versus converting it into a Roth IRA. Results include a side-by-side comparison of the two scenarios before, at, and during retirement.
Roth vs Traditional IRA Calculator
This retirement planning tool will calculate a side-by-side comparison between contributing to a Traditional IRA and contributing to a Roth IRA.
401(k) Retirement Calculator with Save Your Raise Feature
This calculator will calculate the future value of your 401(k) and the resulting annual retirement income. Includes a one-of-a-kind
Save Your Raise feature showing you what could happen if you contributed all or part of your future raises to your 401(k). Also includes options for annual cost of living increases and any employer matching contributions that may apply. The results include a year-by-year salary, contribution, and balance chart that can be opened in a printer friendly window.
This free online calculator collection will eventually include all of the most popular calendar, time and date calculators. These should include calculators for calculating date differences, due dates, conception dates, business days, day of the week, as well as various calendar, timer, and countdown creators.
Age Calculator to Calculate How Old You Are On a Given Date
This online age calculator will calculate your age in years, months, and days, plus tell you how many months, weeks, days, hours, minutes, and seconds have passed since your date of birth. The calculator will also tell you how many days are left until your next birthday, and even tell you what day of the week your next birthday will fall on.
Baby Due Date Calculator to Calculate Pregnancy Due Dates
This free online pregnancy due date predictor will estimate your baby's due date, including the day of the week the due day falls on. Plus, the calculator also generates dates for each of the 40-weeks of your pregnancy, which means it can also be used to calculate how many weeks pregnant you might be. Also includes
How to Calculate Due Date.
Business Day Calculator to Calculate Business Days Between Dates
This free online business days calculator will instantly calculate the number of business days between two dates, or calculate a past or present date by adding or subtracting a specified number of working days to or from a starting date. Includes built-in holiday date calculations to exclude holidays of your choosing. Plus you can even choose which days of the week you want the calculator to count -- which opens up the calculator for other interesting uses!
Chronological Age Calculator that Shows its Work
This date calculator will calculate a person's age in years, months, and days by subtracting the person's date of birth from a given test date. Plus, the calculator also gives the result rounded to the nearest month, as well as the age in total number of months. The calculator also shows its work so you can learn how to perform date subtractions without having to use a calculator.
Countdown Calculator to Countdown to a Special Event
This free online countdown timer creator will count down the years, months, weeks, days, hours, minutes, and seconds until the date and time of a special occasion (anniversary, birthday, due date, graduation, retirement, wedding, etc.). Plus, you can even set the calculator so the timer will automatically update on your next visit!
Date Difference Calculator to Calculate Days Between Dates
This free online time between dates calculator will instantly calculate the number of days between two dates, plus convert those number of days to their equivalent years, months, weeks, hours, minutes, and seconds. This time duration calculator can be used to calculate elapsed time from a past date and to calculate time between a past or present date and a future date. Many cool uses!
Date Time Calculator to Add or Subtract Time Spans To or From Dates
This calculator will instantly subtract or add days, weeks, months, and years from or to a date of your choosing. Includes optional starting and ending time in hours, minutes, and seconds. Result also includes the day of the week for the calculated date. Many interesting uses!
Day of Year Calculator to Calculate Day Number and Days Left
This free online date calculator will instantly tell you the day number of the year for an entered date, plus tell how many days are in the year and how many days are left in the year.
Find Day of the Week Calculator for Any Date
This free online day of the week finder will instantly tell you whether the date you enter is a Monday, Tuesday, Wednesday, Thursday, Friday, Saturday, or Sunday. Great for finding answers to questions like,
What day of the week was I born on?, What day will my birthday be on?, What day of the week is my baby's due date?, and so on.
Leap Year Calculator to Check Year or Generate List of Leap Years
This free online date calculator will instantly tell you whether or not a given Gregorian calendar year was (or will be) a leap year, or it will generate a list of leap years for a given range of years (includes the day of the week for each listed leap day). Plus, if you were born (a.k.a. "leapling") or married on February 29th, the calculator will even count the number of times you have been able to celebrate on your anniversary date. The page also displays the last and next leap years, as well as explains what leap days are, how they are determined, and why they are needed.
Printable Weekly Planner Creator to Maximize the Return on Your Time
This free printable weekly planner creator will help you to plan and prioritize how you spend and invest your 168 hours of weekly time. Includes a time block inserter, complete with 7 color-coded, nameable time blocks -- each with a built-in calculator for totaling up the hours and percentages planned for each type of task or activity. Plus, you can even set which span of hours get included in the printed planner. Also includes how to
Use the 80 20 Rule to Maximize the ROI of Your Time.
Monthly Schedule Creator to Create Custom Printable Calendar Pages
This free online calendar calculator will generate an editable calendar page for the desired month and year. You can edit the individual day-of-the-month cells and you can use the
auto fill-in feature for adding reoccurring events, activities, appointments, work shifts, etc. Includes an optional to-do list feature for adding a to-do list with check boxes to the calendar page (adds an 8th column). Also includes various design preference settings (dimensions, fonts, colors, etc.).
Reverse Due Date Calculator to Calculate Conception Date
This free online conception date calculator will calculate what date and day of the week your baby was conceived on based on your pregnancy due date. Also includes estimated dates for the missed menstrual period and for the range of days the pregnancy-causing "event" likely occurred within. Plus, you can also select any birth date -- meaning you can calculate conception dates for yourself and others.
School Calendar Calculator to Count and Track Class Days Left
This free online school calendar calculator will calculate the number of days remaining in the school year. The calculator allows you to set days off according to your own school calendar, and provides a printer friendly calendar with the days-left displayed in each date cell!
This free online conversion calculator collection includes all of the most popular unit converters, including free converters for fractions, decimals, percents, binary, metric weights and measures, standard weights and measures, memory storage, area, distance, volume, and more. Plus, all online conversion calculator pages attempt to explain how each unit is converted manually.
Area Conversion Calculator to Convert Acres, Hectares, Square Miles, Square Kilometers, etc.
This online conversion calculator will instantly convert area units to and from the most popular standard and metric measurement scales. Includes formulas and step-by-step solutions for each conversion, plus a neat feature that lets you customize your own printable
area conversion chart.
Binary to Decimal Converter to Convert Base 2 to Base 10
This binary conversion calculator will instantly convert a binary number into its base 10 equivalent, plus display a binary to decimal conversion chart showing how it arrived at the answer. Also includes explanations for
How to Convert Binary to Decimal and Converting Base 2 Numbers That Have Decimal Points.
Binary to Hex Converter to Convert Base 2 to Base 16
This binary conversion calculator will instantly convert a binary number into its base 16 equivalent, plus display a binary to hexadecimal conversion chart showing the steps it took to come up with the answer. Also includes step-by-step instructions for
How to Convert Binary to Hexadecimal.
Decimal to Binary Converter to Convert Base 10 to Base 2
This decimal converter will instantly convert a decimal number into its base 2 equivalent, including base 10 numbers having decimal points, plus display a decimal to binary conversion chart showing how the calculator completed the conversion. Also includes a step-by-step explanation showing
How to Convert Decimal to Binary.
Decimal to Fraction Calculator for Converting Decimals to Fractions
This free online conversion calculator will instantly convert a non-repeating decimal into a fraction and reduce the resulting fraction into simplest form -- including converting improper fractions to mixed numbers. Plus, the calculator will show its work and give a step-by-step summary of how it arrived at the answer. Also includes three different methods that serve to answer the question,
How to Convert Decimal to Fraction?
Decimal to Hex Converter to Convert Base 10 to Base 16
This decimal conversion calculator will instantly convert a decimal number into its hexadecimal equivalent, plus display a decimal to hexadecimal conversion chart showing how the calculator made the conversion. Also includes a step-by-step explanation showing
How to Convert Decimal to Hexadecimal.
Decimal to Octal Converter to Convert Base 10 to Base 8
This decimal conversion calculator will instantly convert a decimal number into its octal equivalent, plus display a decimal to octal conversion chart showing how the calculator computed the answer. Also includes a step-by-step explanation showing
How to Convert Decimal to Octal.
Distance Conversion Calculator to Convert Centimeters, Inches, Meters, Yards, Kilometers, Miles, Etc.
This online conversion calculator will instantly convert common standard and metric length measurement units to their most popular counterparts. Includes formulas and step-by-step solutions for each conversion, plus a handy feature that lets you customize your own printable
length conversion chart.
Fraction to Decimal Calculator for Converting Fractions to Decimals
This free online conversion calculator will reduce the entered fraction into simplest form and then convert the simplified fraction into a decimal number. Plus, the calculator will show all its work, including the reduction process and the long division you would use if you were converting fractions to decimals manually. Page also includes an example of the
Steps for Converting Fractions to Decimals.
Fraction to Percent Calculator for Converting Fractions to Percentages
This free online conversion calculator will reduce the entered fraction into simplest form and then convert the simplified fraction into a percentage. Plus, the converter will show all its work, including the reduction process and the long division you would use if you were converting fractions to percentages manually. Page also includes an example of the
Steps for Converting Fractions to Percentages.
Hex to Decimal Converter to Convert Base 16 to Base 10
This online conversion calculator will instantly convert a hexadecimal number into its decimal equivalent, plus display a hex to decimal conversion chart showing how it arrived at the answer. Also includes a step-by-step explanation for
How to Convert Hexadecimal to Decimal.
Jewelry Weight Converter to Convert Carats, Grams, Troy Ounces, etc.
This online conversion calculator will instantly convert between common jeweler's weight units (carats, grams, grains, milligrams, pennyweight, points, ounces, and troy ounces), plus show the math used to complete the conversion. Page also includes a
jeweler's weight conversion table in case you would like to convert the weight units manually.
Number to Word Converter and Vanity Phone Number Translator/Creator
This converter will convert a number into three separate word strings: Basic, Currency, and Check Writing. The converter also includes two bonus features. Bonus feature #1 translates vanity phone numbers to their phone keypad equivalent, and Bonus feature #2 creates a tool for seeing what if any vanity words can be spelled from an entered telephone number.
Recipe Conversion Calculator to Adjust Cooking Meausurements for Number of Servings
This online conversion calculator will adjust a recipe's ingredients to accommodate a greater or lesser number of servings. Includes four methods of setting the conversion factor (number of servings, scale, original pan size to new pan size, or manual entry), plus provides a printer friendly page for printing out the recipe conversions -- which include a column that lists the original quantities.
Roman Numeral Converter to Convert Roman Numerals to Arabic and Visa Versa
This online conversion calculator will instantly convert Roman numerals into Arabic numbers, or an Arabic number to a Roman numeral -- and show its work. Includes a customizable, printable Roman numeral chart, plus step-by-step instructions for
How to Read Roman Numerals and How to Write Roman Numerals.
Scientific Notation Converter to Convert To and From a Decimal Number
This conversion calculator will convert an exponential notation to regular notation, or convert regular notation to exponential (power of 10) notation. Simply enter the number you would like converted and the converter will detect which notation to convert from and to. Includes answer to
What is Scientific Notation? and gives a brief lesson in how to manually convert to and from SN.
Temperature Conversion Calculator to Convert Celsius, Fahrenheit, and Kelvin
This online conversion calculator will instantly convert Celsius, Fahrenheit, and Kelvin temperatures to either of the other two -- and shows the formula and math it used to complete the conversion. Includes formulas and step-by-step solutions for each conversion type, plus a cool feature that lets you create your own printable
temp conversion chart.
Volume Conversion Calculator to Convert Gallons, Liters, Ounces, Milliliters, Etc.
This online conversion calculator will instantly convert common standard and metric volume units to their most popular counterparts. Includes formulas and step-by-step solutions for each liquid measure conversion, plus a fun feature that lets you customize your own printable
volume conversion chart.
Weight Conversion Calculator to Convert Grams, Pounds, Kilograms, Ounces, Etc.
This online conversion calculator will instantly convert common standard and metric weight units to their most popular counterparts. Includes formulas and step-by-step solutions for each conversion, plus a fun feature that lets you customize your own printable
weight conversion chart.
This free online algebra and math calculator collection includes calculators designed to assist in the memorization of math facts, formulas, and rules, as well as to provide quick answers to common homework problems and tasks. The main goal of this section is to help parents and students to complete homework assignments in less time and with less stress.
Adding Subtracting 2 Fractions Calculator for Like or Unlike Denominators
This free online fraction calculator will add one fraction to another, or subtract one fraction from another, and then simplify the resulting fraction. Plus, the add subtract calculator will show its work and give a step-by-step summary of how it arrived at the answer. Also includes
How Do You Add Fractions with Different Denominators? and What Are the Steps to Subtract Fractions?
Adding Subtracting 3 Fractions Calculator for Like or Unlike Denominators
This free online fraction calculator will add or subtract 3 fractions at once, and then give the result in the simplified and proper form. Plus, the calculator will show its work and give a step-by-step summary of how it arrived at the answer. Also includes
How Do You Add 3 Fractions?
Adding and Subtracting Mixed Numbers Calculator
This calculator will add one mixed number to another, or subtract one mixed number from another, and then simplify the result and convert the improper fraction back to a mixed number if necessary. Plus, the calculator will display the steps and their explanations in the results. Also includes
How Do You Add and Subtract Mixed Numbers? and an example of How to convert a Mixed Number to an Improper Fraction.
Algebra Calculator for Solving All Types of Math Problems
This free online algebra calculator will solve all types of equations, including basic math, algebra, pre-algebra, trigonometry, calculus, precalculus, and statistics equations. This calculator is provided by
Mathway®, the number one online problem solving resource for students, parents, and teachers.
Circle Calculator to Calculate Area, Circumference, Diameter, and Radius
This free online geometry calculator will solve for the three unknown circle measurements from one known measurement. Plus, the calculator displays the steps, formulas, and sequence used to calculate each unknown measurement in the results. Also includes a circle diagram depicting each measurement, accompanied by a brief definition of each and the method of solving for them.
Combination Calculator To Find All Possible Combinations
This combination generator will quickly find and list all possible combinations of up to 6 letters or numbers, or a combination of letters and numbers. You can choose to have the result set sorted in ascending or descending order, and you can choose to have the result displayed in either a copy-n-paste field, or in a numbered table.
Compare Fractions Calculator for Comparing and Ordering Fractions
This free online fraction calculator will compare one fraction with another to determine which is greater. Plus, the fraction comparison calculator will show its work and give a step-by-step summary of how it arrived at the result. Also includes
How Do You Compare Fractions? and Comparing Fractions with Different Denominators.
Dividing Fractions Calculator Including Whole and Mixed Numbers
This free online fraction calculator will divide any combination of a fraction, a whole number, or a mixed number, and then simplify the resulting fraction. Plus, the fraction division calculator will show its work and give a step-by-step summary of how it arrived at the quotient. Also includes
How to Divide Fractions, Dividing Fractions and Mixed Numbers, and Dividing Fractions By Whole Numbers.
Exponent Calculator for Solving Exponential Expressions
This free online math calculator will calculate the result of raising a number (base) to a given power (exponent), including exponential expressions that have negative bases and/or exponents. Also includes brief explanations covering
Exponent Definition, Negative Exponents, and Be Aware of Negatives and Parenthesis.
Fraction Reducer Calculator to Reduce Fractions to Simplest Form
This free online fraction calculator will quickly simplify fractions to their simplest form, plus convert improper fractions into their mixed number equivalents. Also includes
What Does it Mean to "Reduce Fractions?, How To Simply Fractions, and Converting Improper Fractions.
Greatest Common Factor Calculator: Tool to Find GFC of up to 4 Numbers
This free online greatest common factor tool will help you to quickly find GCF for 2, 3, or 4 numbers at once -- all in the blink of an eye -- plus show the GFC divisors and all factors for all numbers entered. Includes brief answers to
What Are Factors?, What Are Common Factors?, and What is a Greatest Common Factor?
LCM Calculator: Tool to Find Least Common Mulitple of up to 4 Numbers
This free online least common multiple tool will help you to quickly find LCM for 2, 3, or 4 numbers at once -- all in the blink of an eye -- plus show the LCM divisors and all preceding multiples for all numbers entered. Includes brief answers to
What Are Multiples?, What is a Common Multiple?, and What is a Least Common Multiple?
Linear Equation Solver for Solving Equations with One Variable
This free online linear equation calculator will solve most one-variable linear equations -- including those having fractions and decimals -- plus simplify the solution and show the steps it took to arrive at the result. This page also includes a brief answer to
What is a Linear Equation? and a step-by-step example showing How to Solve Linear Equations.
Long Division Calculator for Dividing Whole or Decimal Numbers
This free online division calculator will not only perform long division, but it will also show and explain each step it took to solve the problem. Plus, besides showing its work, the calculated results include a chart showing multiples of the divisor so you can
learn your math facts while you are doing your long division practice. And not only does the calculator help you to learn how to do long division, but the page also includes tutorials for four of the most common long division quotients (with remainder, without remainder, decimal with no remainder, decimal with recurring remainder).
Multiplying Fractions Calculator Including Whole and Mixed Numbers
This free online fraction calculator will multiply any combination of a fraction, a whole number, or a mixed number, and then simplify the resulting fraction. Plus, the fraction multiplication calculator will show its work and give a step-by-step summary of how it arrived at the product. Also includes
How to Multiply Fractions, Multiplying Fractions and Mixed Numbers, and Multiplying Fractions By Whole Numbers.
Online Factoring Calculator for Finding All Factors of a Number
This free online math calculator will quickly find all factors of a number, plus list all of the individual multiplications that the divisors were derived from. Also includes a brief
Introduction to Factoring a Number.
Percent Calculator for Calculating Percentages 3 Ways
This free online percentage calculator will calculate a percentage from two numbers, or a number from a percentage and another number. Includes a detailed explanation of
How to Calculate Percentages using both the shortcut method and the proportion (cross multiplication) method -- for all three types of percentage calculations.
Percentage Change Calculator to Calculate Percent Increase or Decrease
This free online percentage calculator will calculate the numerical difference, percent difference, fractional change, and percent change between one number and another number. Includes the percent change formula and a detailed example of
How to Calculate Percent Change for both an increase and a decrease.
Prime Factoring Calculator for Prime Factorization of a Number
This free online math calculator will quickly generate a list of prime numbers that are factors of a given number, plus simplify the primes into an exponential expression, and show its work so you can verify the result. Also includes a brief answer to
What Are Prime Numbers as well as a demonstration of the procedure for Manually Factoring Prime Numbers.
Prime Number Checker to Check if a Number is Prime
This free online prime number calculator will quickly tell you whether or not the entered number is prime (natural) or composite. Plus, if the number is not prime, it will display the first divisor it found, along with the divisor equation and quotient.
Prime Number Generator to Create List of Prime Numbers
This free online prime number list generator will create a custom prime numbers list of up to 10,000 primes, with primes ranging from 2 to 104,730. For example, you could either create a delimited list containing the first 100 prime numbers, or a list of the primes that occur between 100 and 500. Plus, you can also tell the generator to format the list into a prime numbers chart for printing.
Pythagorean Theorem Calculator to Find Missing Side of Right Triangle
This calculator will find the missing side length of a right triangle if the other two side lengths are known. The calculator shows its work and attempts to the draw the shape of the right triangle based on the results. The page also gives brief answers to
What is the Pythagorean Theorem? and What is the Converse of the Pythagorean Theorem?, and provides a converse calculator to test whether or not 3 given side lengths equate to a right triangle.
Scientific Notation Calculator to Add, Subtract, Divide, or Multiply Exponential Notations
This calculator will help you to calculate and learn to perform scientific notation math. Page includes brief lessons for adding, subtracting, dividing, and multiplying scientific notation, plus the calculator shows its work so you can learn the steps to solving each type of operation.
Slope Calculator to Find Slope of Straight Line If Two Points Are Known
This free online calculator will find the slope, y-intercept, and angle of a straight line from two entered points. Plus, the calculator will also find the distance between the two points, and formulate the line equation from the points and slope. The calculator will also attempt to plot the two points on a graph and draw the line that runs through them. Includes brief explanations for
How to Calculate Slope From Two Points and How to Formulate the Line Equation.
Square Root Calculator for Finding the Square Root of a Number
This free online square root calculator is handy for quickly calculating square roots. Plus, if the radicand is not a perfect square, the square roots calculator will list the nearest perfect squares that are greater and less than the radicand. Includes answers to
What are Square Roots? and What Are Perfect Squares?.
Standard Deviation Calculator for Population and Sample Data Sets
This free statistics calculator will calculate the mean, variance and standard deviation of an entered or pasted-in data set, plus convert the results into a step-by-step tutorial that shows you how to manually solve for the standard depreciation formula. Page includes brief explanations and definitions of related terms, as well as an example illustrating how much easier it is to solve the standard deviation formula than it is to decipher the formula.
Statistical Average Calculator for Mean, Median, Mode, and Range
This free statistics calculator will calculate the mean, median, mode, and range of a number set. You can either enter the numbers one at a time, or paste-in a set copied from a document or spreadsheet. Plus, the results include a sorted, custom-delimited, data set along with a distribution table. Page also includes tutorials on how to calculate mean, median, mode, and range.
Timed Math Addition Facts Quiz for Learning 0-12 Additions
This free online addition facts timed test will help you (or your child) to learn math facts for additions of 0-12. Plus, the quiz will store up to 10 quiz results for each fact (addend) practice session, which are then displayed in a printable addition facts practice report card. This report card also includes a bar graph for a visual display of the progress made from the first addition facts timed test to the last.
Timed Multiplication Quiz for Learning Math Facts
This free online multiplication timed test will help you (or your child) to memorize math facts 0-12. Plus, the quiz will store up to 10 quiz results for each fact, which are then displayed in a multiplication drill report card that can be printed out. This report card also includes a bar graph for a visual display of the progress made from the first timed multiplication drill to the last.
Triangle Calculator to Solve SSS, SAS, SSA, ASA, and AAS Triangles
This triangle solver will find three unknown values from any one of five combinations of three known side lengths and/or angles (degrees or radians). The calculator will also classify the triangle and solve and provide formulas for: area, perimeter, semi-perimeter, radius of inscribed circle, radius of circumscribed circle, medians, and heights. Plus, the calculator shows its work and attempts to draw the solved triangle from calculated vertex coordinates.
Weight management is no different than any other kind of management. In order to be successful at it you need to be able to make informed decisions. Use these online calculators to assist you in achieving and maintaining your ideal weight.
3-Site Body Composition Calculator
The online tool can be used to quickly calculate your body fat percentage when using a skinfold caliper to perform a 3-site skin fold test.
7-Site Skin Fold Test Calculator
The online tool can be used to quickly calculate your body fat percentage when using a skinfold caliper to perform a 7-site skin fold test.
Activities Calorie Calculator
Want to know how many calories you will burn while brushing your teeth, having sex, watching TV, or washing dishes? Check out this cool calorie burn calculator which includes fat burning calculations for more than 600 different activities.
Use this online tool to quickly calculate your Body Mass Index, which is a quick estimate of your body fat based on your height and how much you weigh.
Enter your age, height and how much you weigh into this online calculating tool and see how many calories you would burn if you stayed in bed all day.
Exercise Calorie Burn Calculator
Want to know how many calories you will burn while exercising, or which exercises burn the most or fewest calories? The online tool contains nearly 90 variations of the most popular exercise activities.
Heart Rate Calculator
This calculator is actually
five heart rate calculators all rolled into one. Calculate your maximum (MHR), target (THR), and reserve (RHR) heart rates, plus calculate your resting heart rate health category and create a personal, printable heart rate training zone chart.
Ideal or Healthy Weight Calculator
This tool will estimate your ideal or healthy weight based on your height and body frame.
Military Body Fat Calculator
If you don't have a skinfold caliper you can this online tool to calculate your body fat percentage with a tape measure.
Running Calorie Calculator
Want to know how many calories you will burn while running or jogging at various time durations and intensity levels? If so, then this weight loss tool is for you.
Waist to Hip Ratio Calculator
Use this cool online calc for determining your Waist Hip Ratio (WHR), along with the level of health risk associated with it.
Weight Calorie Calculator
Want to know how many calories you need to consume each day to safely maintain, gain or lose weight? This online tool will help you to do just that.
Workout Log Sheet Maker
This online workout schedule maker will create a printable exercise log that you can use to organize and track your gym workouts. You can create a blank log sheet, a log sheet based on a built-in workout (my own), or a log sheet based your own categories and exercises. The layout of the sheet allows you to see your strength gains at a glance. The page also includes my reasons for using this log sheet system as well images showing how I use the system for my own workouts.