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.

the **title** of a calculator to go to the calculator.

in the plus (+) icon to see a summary of what the calculator does.

in a the minus (-) icon to hide the summary.

the *Expand All Calculator Summaries* button to open all summaries at once. again to collapse all summaries.

- Personal Finance CalculatorsCurrent Personal Finance CalculatorsCurrent Personal Finance Calculator MenuCurrent Personal Finance Calculator Menu15
#### Checking Account Reconciliation Calculator

Reconcile a bank statement with your checkbook register.Checking Account Reconciliation Calculator#### Consumables Time Value of Money Calculator

Calculate the opportunity costs of regularly spending an amount of money on a consumable product or service (perishable, expendable, etc.).Consumables Time Value of Money Calculator#### CPI Inflation Calculator

Calculate the effects of inflation or deflation on a past, present, or future dollar amount.CPI Inflation Calculator#### Depreciable Assets TVM Calculator

Calculate the time and financial opportunity costs of buying and owning goods that lose their value with time and use (depreciating assets).Depreciable Assets TVM Calculator#### Future Value Annuity Calculator

Calculate the future value of a series of equal cash flows.Future Value Annuity Calculator#### Future Value Annuity Payment Calculator

Calculate the future value of a lump sum and then use the appropriate 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.Future Value Annuity Payment Calculator#### Future Value of Money Calculator

Calculate the future value of an invested lump sum of money.Future Value of Money Calculator#### Household Net Worth Calculator

Create a statement of net worth, which is one of two essential personal finance statements for measuring your financial progress.Household Net Worth Calculator#### Percent Off Calculator

Calculate the sales price given the original selling price and the percentage markdown.Percent Off Calculator#### Present Value Annuity Calculator

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.Present Value Annuity Calculator#### Present Value Calculator

Calculate the present value of a future lump sum of money.Present Value Calculator#### Purchase Receipts Calculator

Tabulate and categorize your spending from your purchase receipts.Purchase Receipts Calculator#### Sales Tax Calculator

Calculate the sales tax amount on a pretax price, or calculate the sales tax portion of a tax-included price (reverse, or backwards from total).Sales Tax Calculator#### Time Value Calculator

Calculate how much a block of your present time could be worth in the future if invested instead of wasted, as well as how much discretionary time that future value represents.Time Value Calculator#### Tip Calculator

Calculate the tip and split the total among the parties paying separately.Tip Calculator

Follow meon any of the social media sites below and be among the first to get a sneak peek at thenewest and coolest calculatorsthat are being added or updated each month.