Personal Finance Investing Calculators

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Welcome to the Personal Finance Investing Calculators section at free-online-calculator-use.com.

The investment calculators and tools in this section are dedicated to helping you to discover where to invest your money in order to maximize the emotional rate of return on the investment of your time (money).

Unlike other websites that offer free online personal finance investing calculators, I have no vested interest in pretending or claiming to know the best ways to invest money.

This means that I am completely free to create personal finance investing calculators that hold your best interests at heart, not the best interests of brokerage firms who are trying to earn commissions and account management fees from your investments.

The Real Time Value of Money

As I've said elsewhere on this website, money is simply a receipt for the time you invest serving the wants and needs of others. These receipts can then be exchanged for other people's time (the time others invest in serving your wants needs). In other words, money is simply time -- which means that your time is really the only value you have in your life that you can exchange for happiness.

Of course, much of your time (money) will need to be exchanged for life's basic necessities, such as food, clothing, health care, and shelter. What's left after the essentials are covered is what's known as discretionary income, which is the only portion of your income that should ever be put at risk.

If you do a good job of budgeting your income to the point of creating discretionary income, you then have a vast array of choices when it comes to exchanging that income (time receipts) for something you consider to be of equal or greater value. Most of these choices can be boiled down to the following four basic types of exchanges.

  1. You can exchange the discretionary income for the good feeling that comes from making a charitable contribution to a worthy cause.
  2. You can exchange the discretionary income for a non-essential product or service for which the value diminishes with time and use.
  3. You can exchange the discretionary income for taking time off from work (purchasing essentials that you won't have to earn additional income to pay for).
  4. You can exchange the discretionary income for something for which the value is expected to grow -- for the purpose of increasing your discretionary income without having to increase your work-hours.

Choice #4 is what is commonly referred to as an "investment."

What is an Investment?

In it's simplest form, an investment is an accepted form of gambling. When you invest money (time receipts) you are accepting an element of risk (odds of losing all or part of the funds you invest) in exchange for the chance at getting back more than what you put in.

Generally speaking, the more risk you accept, the higher the potential return on investment (ROI). Conversely, the lower the risk you accept, the lower the potential return on investment (ROI). Of course, the more discretionary income you have, the higher the risk you can afford to accept, and visa versa. This is yet another reason why the rich get richer while the poor and middle class get poorer -- because only the rich can afford to accept the high risk that comes with high yield investment opportunities.

Common Ways to Invest Your Money (Time)

The most common types of investments include savings accounts, certificates of deposit, money market funds, mutual funds, real estate, bonds, stocks, and commodities (I will be writing about each on their respected personal finance investing calculators pages). If you were to ask an investment guru which of these types of investments you should choose, you will likely hear something like, "that depends on your financial goals, your current age, your current financial situation, and on your risk tolerence."

Well, considering the average family has no savings and is struggling just to meet their current living expenses and debt payments, I would say that the average person's risk tolerance is (or should be) near zero -- regardless of their age or their financial goals. And since risk-bearing investments should only be invested in with discretionary income, the average person does not have funds to "invest" in the first place. So does this mean the average person should give up on investing? No. It simply means that the average person needs to make other types of investments -- for the purpose of creating discretionary income and risk tolerance.

So Where Should You Invest Your Money (Time)?

If you are among those who have little or no discretionary income (no money to invest or investing with little money), the first order of business is to invest your time (money) into activities and actions that will create discretionary income. Here are some suggested methods for creating discretionary income:

1. Invest cash instead of borrowing time from your future.
You must adopt the attitude that if you can't afford pay cash for something, you can't afford it. Exchanging future income for interest charges is a surefire way to lower or eliminate your discretionary income. Borrowing from tomorrow to pay for today is the opposite of investing (you become someone else's investment).

2. Invest time finding ways to lower your living expenses.
For most people it's much easier to create discretionary income by reducing their spending and downsizing their lifestyles than it is to try to increase their take-home pay. Increasing your income usually comes with more stress, higher expectations, and a higher income tax bracket. In other words, the harder you work, the less each additional dollar you earn will contribute to your overall level of happiness and well-being (the law of diminishing returns).

3. Invest in yourself.
If you want to increase your income, then you need to improve the product (your talents, skills, and abilities) that you are selling to others. This means you need to look for inexpensive ways to improve your talents, skills and abilities. If you dread the thought of using discretionary time to study your profession, then you are probably in the wrong profession and should begin to study a profession that you won't need to be prodded into studying.

4. Invest in your debt.
If you have debt, then you really have no discretionary income -- because your income is spoken for and, as seen in 2009, its full repayment can be demanded at any time. Therefore, if you want a low-risk, tax-free, guaranteed return on investment, and you can only invest small amounts of money, use the rollover method to pay off all of your debts in the shortest time possible. If you are looking for high yield safe investments, paying off high interest debt ahead of schedule is the only safe high yield investment that I'm aware of.

"Outside-the-Box" Ways to Invest Your Money (Time)

Once you have managed to create discretionary income, the next step is to think outside of the box when it comes to choosing where you will invest your time (money). By "think outside the box," I mean to stop believing that anyone wearing a suit and tie is qualified to tell you the best ways to invest money. Instead, seriously question everything you're told no matter who it comes from -- myself included -- and realize that if no one is advising you to choose a non-traditional type of investment (invest in your debt), it probably only means that nobody stands to gain from you choosing to invest in it. At the very least, visit the personal finance investing calculators before investing just to get different perspective from the one your brokerage firm is offering you.

As for me personally, I prefer investments that allow me to have a direct influence on the return on investment (especially after 2001 and 2009). This explains why I invest the bulk of my own discretionary income into my own business ventures. This does not guarantee a high return on investment, but at least I know that if I lose money, it was my own short comings that caused me to lose my capital, and not because some cowardly nut jobs decide to take innocent human lives in the name of their God, or not because some wall street morons decide to destroy the lives of innocent working families for the mere sake of their own insatiable greed.

Below are the current savings and investment calculators and tools contained in the personal finance investing calculators section, all of which are dedicated to helping you to maximize the emotional return on the investment of your time (money).

Current Personal Finance Investing Calculators

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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 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.

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?".

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 for Calculating ROR on 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 for Calculating ROR on 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 diluted EPS?", 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?".

Future Personal Finance Investing Calculators

The following is a list of personal finance investing calculators that I plan to add to this section as I have time. I'm basically adding investment calculators and tools to free-online-calculator-use.com in the order from highest demand to lowest demand, so if you see any of the personal finance investing calculators in the following list you want me to put on the high priority list, please let me know. Or, if you desire a calculator that is not on the list of planned personal finance investing calculators, please let me know so I can add it to my list.

  • Annuity Fund Calculator
  • Stock Split Calculator

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