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Interest only mortgages can provide you with very low monthly payments, however you are not paying off any principal during the interest only period. Use this calculator to examine an interest only mortgage. MortgageIOAdjustable.class 380 115 Interest Only ARM Calculator

Interest Only ARM Calculator Interest Only ARM Calculator Your starting monthly payment is MONTHLY_PI. ADJUSTABLE_PAYMENT_AMTS Your interest only loan of LOAN_AMOUNT has a starting payment of MONTHLY_PI. Your payment rate remains fixed at MONTHLY_PI for ADJUSTABLE_RATE_FIXED months. After FIXED_YEARS years, your loan payments will increase to fully pay off your loan over the remaining term of ADJUSTABLE_YEARS years. Your highest monthly payment, in this scenario, would be ADJUSTABLE_RATE_HIGHEST. **GRAPH** Mortgage Summary Mortgage Information Mortgage amountLOAN_AMOUNT TermTERM yearsInterest only payments at a fixed rate for FIXED_YEARS years. After FIXED_YEARS years, the loan is recast to fully amortize the outstanding balance over the remaining ADJUSTABLE_YEARS year term of the loan. Starting Interest rateINTEREST_RATE Starting monthly paymentMONTHLY_PI Total paymentsTOTAL_OF_PAYMENTS Total interestINTEREST_PAID Interest Rate Adjustments Rate remains fixed forADJUSTABLE_RATE_FIXED months Months between adjustmentsADJUSTABLE_RATE_FEQ months Expected adjustmentADJUSTABLE_RATE_INCR Interest rate cap ADJUSTABLE_RATE_CAP Maximum payment ADJUSTABLE_RATE_HIGHEST Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

2009-08-05T20:02:08Z

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Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance. This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Click on the "View Report" button to review your information. MortgagePoints.class 400 118 Mortgage Points Calculator

Mortgage Points Calculator Mortgage Points Calculator Results TITLE_MESSAGE**GRAPH**RESULTS_MESSAGE This assumes that you stay in your home for YEARS_IN_HOME years without refinancing your mortgage. Loan with Points Summary TermTERM Loan amount*LOAN_AMOUNT Monthly paymentPOINTS_MONTHLY_PI Interest rateDISCOUNT_POINTS_RATE Discount pointsDISCOUNT_POINTS_PERCENT Discount points costDISCOUNT_POINTS_AMT Total payments (principal & interest)POINTS_TOTAL_OF_PAYMENTS after YEARS_IN_HOME years Loan balance at move outPOINTS_BALANCE_AT_MOVEOUT after YEARS_IN_HOME years Loan without Points Summary TermTERM Loan amount*DOWNPAYMENT_LOAN_AMOUNT Monthly paymentDOWNPAYMENT_MONTHLY_PI Interest rateINTEREST_RATE Total payments (principal & interest)DOWNPAYMENT_TOTAL_OF_PAYMENTS after YEARS_IN_HOME years Loan balance at move outDOWNPAYMENT_BALANCE_AT_MOVEOUT after YEARS_IN_HOME years *This calculation assumes that the cost of buying points is financed. The loan amount with points will be higher than the loan without points by the cost of the purchased points. Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

2009-08-05T20:08:03Z

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Adjustable rate mortgages can provide attractive interest rates, but your payment is not fixed. This calculator helps you to determine what your adjustable mortgage payments may be. MortgageAdjustable.class 380 122 Adjustable Rate Mortgage Calculator

Adjustable Rate Mortgage Calculator How much will adjustable rate mortgage payments be? Your starting monthly payment is MONTHLY_PI. ADJUSTABLE_PAYMENT_AMTS Your adjustable rate loan of LOAN_AMOUNT for TERM years has a starting payment of MONTHLY_PI. Your interest rate remains fixed at INTEREST_RATE for ADJUSTABLE_RATE_FIXED months, after that time your interest rate is expected to change by ADJUSTABLE_RATE_INCR every ADJUSTABLE_RATE_FEQ months. Your highest monthly payment, in this scenario, would be ADJUSTABLE_RATE_HIGHEST. **GRAPH** Mortgage Summary Mortgage Information Loan amountLOAN_AMOUNT TermTERM years Starting Interest rateINTEREST_RATE First monthly paymentMONTHLY_PI Interest rate cap ADJUSTABLE_RATE_CAP Expected adjustmentADJUSTABLE_RATE_INCR Rate remains fixed forADJUSTABLE_RATE_FIXED months Periods between adjustmentsADJUSTABLE_RATE_FEQ months Total paymentsTOTAL_OF_PAYMENTS Total interestINTEREST_PAID Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

2009-08-05T20:09:27Z

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How long will it take to breakeven on a mortgage refinance? That depends on a multitude of factors. These factors include your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home. Use this calculator to sort through the confusion, and determine if refinancing your mortgage is a sound financial decision. Click the "View Report" button for a detailed look at your records. MortgageRefinance.class 520 124 Refinance Breakeven

Refinance Breakeven Mortgage Refinance Breakeven Breakeven Measures**GRAPH**The table below lists four different breakeven measurements. The computations become more conservative as you move down the list. Most people feel comfortable using methods 2 and 3. If you are planning on staying in your home longer than these measures, refinancing is a very good option. MeasureMonthsDefinition 1. Monthly payment savings:BREAK_EVEN_PAYMENTSThe number of months it will take for your monthly payment reduction to be greater then your closing costs. 2. PMI & interest savings:BREAK_EVEN_INTERESTThe number of months it will take for your interest and PMI savings to exceed your closing costs. 3. Total savings after tax:BREAK_EVEN_TAX_INTERESTThe number of months it will take for the after-tax interest and PMI savings to exceed your closing costs. Your income tax rate was entered as INCOME_TAX_RATE. 4. Total savings vs. prepayment:BREAK_EVEN_PREPAYThis is the most conservative breakeven measure. It is the number of months it will take for the after-tax interest and PMI savings to exceed both the closing costs and any interest savings from prepaying your mortgage. The prepayment amount used in this calculation is the amount that you would have to spend on closing costs. Refinancing SummaryRefinancing will change your monthly payment for principal, interest and PMI from CURRENT_PAYMENT to NEW_PAYMENT. Your new loan will be NEW_LOAN_BALANCE at NEW_RATE for NEW_LENGTH years. Closing costs are estimated at TOTAL_CLOSING_COSTS. To avoid PMI payments on your new loan NEW_LOAN_20_EQUITY in equity is required. This equals PMI_PERCENT of your home's current appraisal price. Original LoanNew Loan Mortgage amountORIGINIAL_LOAN_AMT Mortgage amountNEW_LOAN_BALANCE Appraised valueOLD_LOAN_APPRAISED_VALUE Appraised valueNEW_LOAN_APPRAISED_VALUE Interest rateCURRENT_RATE Interest rateNEW_RATE Term in yearsCURRENT_LENGTH Term in yearsNEW_LENGTH Years remainingCURRENT_YEARS_REMAINING Years remainingNEW_LENGTH PI paymentCURRENT_PI PI paymentMONTHLY_PI Monthly PMICURRENT_MONTHLY_PMI Monthly PMIMONTHLY_PMI Total interest remainingCURRENT_TOTAL_INTEREST Total interestTOTAL_INTERESTDIFFERENCE_TOTAL_INTEREST Payment Schedule Comparison **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Use this calculator to generate an amortization schedule for an interest only mortgage. Quickly see how much interest you will pay and your principal balances. You can even determine the impact of any principal prepayments! Press the "View Report" button for a full yearly or monthly amortization schedule. MortgageInterestOnly.class 380 125 Interest Only Mortgage Calculator

Interest Only Mortgage Calculator Interest Only Mortgage Your payment is MONTHLY_PI with an interest rate of INTEREST_RATE.**GRAPH** Your payment of MONTHLY_PI is fixed for RECAST_TO_AMORTIZE_YEARS years while your mortgage payments are interest only. After RECAST_TO_AMORTIZE_YEARS years of interest only payments, your monthly payment will increase to FULLY_INDEXED_PAYMENT. This will pay off the loan balance in full after a total of TERM years (this does not include any prepayments). Interest Only Mortgage Summary PaymentsRECAST_TO_AMORTIZE monthly payments of MONTHLY_PI REMAIN_AFTER_AMORTIZE monthly payments of FULLY_INDEXED_PAYMENT Loan amountLOAN_AMOUNT Interest rateINTEREST_RATE Interest only termRECAST_TO_AMORTIZE_YEARS years Total Term(Including interest only period)TERM years Total paymentsTOTAL_OF_PAYMENTS Total interest paidINTEREST_PAID Prepayment ResultsPrincipal prepayments on your mortgage can save you a great deal of interest. Below is a summary of your proposed prepayments. Prepayment Summary AmountPREPAY_AMOUNT PREPAY_TYPE Start with paymentPREPAY_STARTS_WITH? Total paymentsPREPAY_TOTAL_OF_PAYMENTS? Total interestPREPAY_INTEREST_PAID? Interest savingsPREPAY_INTEREST_SAVINGS? Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. This calculator helps you weed through the fees, taxes, and monthly payments to help you make a decision between these two options. This report is based on the original purchase price, fees and taxes payable at that time. Insurance and tax costs can fluctuate from year to year. Click the "View Report" button for a detailed look at the results. MortgageRentvsBuy.class 520 134 Rent vs. Buy

Rent vs. Buy Rent vs. Buy RESULT_MESSAGE_MAIN**GRAPH**This is based on your home's estimated equity minus a HOME_COMMISION_RATE sales commission paid to brokers or real estate agents when you sell your home. It also assumes your home will appreciate at HOME_APPRECIATION_RATE per year and you have an income tax rate of TAX_RATE. RESULT_MESSAGE_ADVICE We calculated your breakeven point by examining how long it would take to create enough equity in your home to exceed the value of investing your cash on hand. We also accounted for differences in your monthly rent and house payments. If your rent payment is less than your net house payment, we add that monthly savings to your investment. If your house payment is less than your rent payment we subtract that amount from your investment. You may notice that on the schedule at the bottom of this report the investment value can be reported as negative. This happens if your house payment is significantly lower than your rent payment. It illustrates that if you continue to rent the extra cost of renting would, in effect, use up your cash on hand. Estimated Loan InformationYour total monthly payment was estimated at MONTHLY_TOTAL_PMT. Your down payment was estimated at TOTAL_FOR_DOWNPAYMENT and you had a home price of PRICE_OF_HOME. This is for a LENGTH_OF_LOAN year mortgage at INTEREST_RATE in the amount of LOAN_AMOUNT. Your total closing costs for this loan are estimated at TOTAL_CLOSING_COSTS. Your current monthly rent is MONTHLY_RENT. The expected inflation rate of INFLATION_RATE annually was used to estimate future rent and property taxes. The rate of return use for investments was INVESTMENT_RETURN per year after taxes. Your MONTHLY_TOTAL_PMT monthly payment consists of: Principal and interestMONTHLY_PI Monthly PMIMONTHLY_PMI TaxesPROPERY_TAX_MONTHLY InsuranceHOME_INSURANCE_MONTHLY Association dues & maintenanceMAINTENANCE Closing costs estimate of TOTAL_CLOSING_COSTS consists of: Amount of points paidPOINTS_PAID_AMT Loan origination feeLOAN_ORIGINATION_AMT Other closing costsOTHER_CLOSING_COSTS To avoid PMI payments, a DOWNPAYMENT_20 down payment is required. This equals 20% of your home's purchase price. The total amount of cash required for a 20% down payment plus closing costs would be CLOSING_CLOSING_COSTS_20. Analysis of Future Payments **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Use this calculator to determine the Annual Percentage Rate (APR) for your mortgage. Press the report button for a full amortization schedule, either by year or by month. MortgageApr.class 380 138 Mortgage APR Calculator

Mortgage APR Calculator Mortgage APR Calculator Results Your APR is LOAN_APR for this loan.**GRAPH**Annual Percentage Rate (APR) is a standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a loan with a higher stated rate with very low fees could be an exceptional value. APR calculations incorporate these fees into a single rate. You can then compare loans with different fees, rates or different terms. While APR calculations may vary from lender to lender to a small degree, all lenders must follow the same basic rules. APR is computed in two stepsThe first step is to calculate an APR payment amount. This is done by adding your closing costs to your loan amount, and then calculating a new monthly payment at your loan's interest rate. In this case, if you borrowed (LOAN_AMOUNT + TOTAL_CLOSING_COSTS) at INTEREST_RATE for TERM years, your APR monthly payment would be LOAN_APR_PAYMENT. Notice that this is different than your actual payment of MONTHLY_PI. The second step is to calculate what interest rate produces a monthly payment equal to the APR payment amount. In this case, we calculate the interest rate that would require a LOAN_APR_PAYMENT monthly payment on a loan of TERM years in the amount of LOAN_AMOUNT. The result is LOAN_APR which is the APR for your loan. Note: It is important to point out that the APR for a loan with no fees is always the same as the stated interest rate. If you have a loan where the lender pays you for taking a higher interest rate, your APR for that loan may be lower than the stated interest rate. Mortgage Summary Mortgage Information Loan amountLOAN_AMOUNT TermTERM years Interest rateINTEREST_RATE Monthly payment (PI)MONTHLY_PI Total principal and interest paymentsTOTAL_OF_PAYMENTS Total interestINTEREST_PAID Closing Costs Origination feeORIGINATION_FEES_AMT Paid for pointsDISCOUNT_POINTS_AMT Other feesOTHER_FEES Total closing costsTOTAL_CLOSING_COSTS Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

2009-08-05T20:13:28Z

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This calculator shows you possible savings by using an accelerated bi-weekly mortgage payment. By paying ExistingBiweekly.class 400 137 Bi-weekly Payments for an Existing Mortgage

Bi-weekly Payments for an Existing Mortgage Bi-weekly Mortgage Calculator Using bi-weekly payments, you could repay your mortgage in LOAN_TERM1.* **GRAPH**Using bi-weekly payments also reduces your total interest payments from INTEREST_PAID0 to INTEREST_PAID1. This is a total interest savings of INTEREST_SAVINGS. ? Bi-weekly Payments Monthly Payments Mortgage amount LOAN_AMOUNT1 LOAN_AMOUNT0 Escrow amount ESCROW_MONTHLY_AMOUNT ESCROW_MONTHLY_AMOUNT Extra payment PREPAYMENT_MONTHLY_AMOUNT PREPAYMENT_MONTHLY_AMOUNT Interest rate INTEREST_RATE1 INTEREST_RATE0 Payment LOAN_PAYMENT1 debit** LOAN_PAYMENT0 Years to repay LOAN_TERM1 LOAN_TERM0 Total interest INTEREST_PAID1 INTEREST_PAID0 Interest savings INTEREST_SAVINGS* ? Compare to refinancing Using bi-weekly payments, you would pay the same amount of interest as refinancing your mortgage at RATE_FOR_INTEREST.* *based on standard amortization, individual results may vary. We assume that no prepayments were made prior to the start of your bi-weekly payments. The interest rate comparison assumes that you refinance your outstanding mortgage balance with a new mortgage that has a term the same length as your original mortgage. In the case presented, this is REMAINING_BALANCE1 for LOAN_TERM0. No closing costs are taken into consideration, which could add to the cost of refinancing.**does not include any administrative fees. Current Mortgage Summary Mortgage Summary Original mortgage amount LOAN_AMOUNT0 Original mortgage term LOAN_TERM0 Interest rate INTEREST_RATE0 Monthly escrow payment ESCROW_MONTHLY_AMOUNT Monthly prepayment amount PREPAYMENT_MONTHLY_AMOUNT First payment date FIRST_PAYMENT_DATE Payments remaining PAYMENTS_REMAINING Current mortgage balance REMAINING_BALANCE1 Mortgage payoff schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

2009-08-05T20:14:18Z

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This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you. Enter your credit cards, installment loans and the mortgages you wish to consolidate by clicking on the "Enter Data" button for each category. Then change the consolidated mortgage loan amount, term or rate to create a loan that will work within your budget. Click the "View Report" button for detailed results. DebtConsolidate.class 360 142 Mortgage Debt Consolidation

Mortgage Debt Consolidation Mortgage Debt Consolidation Your consolidated mortgage payment is NEW_LOAN_PAYMENT, which is MONTHLY_PAYMENT_SAVINGS per month.**GRAPH**Your new consolidated mortgage would be for NEW_LOAN_BALANCE and have a monthly payment of NEW_LOAN_PAYMENT. This is MONTHLY_PAYMENT_SAVINGS than your currently monthly payment of MONTHLY_PAYMENT. Assuming a combined state and federal income tax rate of INCOME_TAX_RATE, you may also save TAX_SAVINGS* in income taxes during the first year. New Consolidated Mortgage Loan Mortgage amount NEW_LOAN_BALANCE Monthly payment NEW_LOAN_PAYMENT Interest rate NEW_LOAN_RATE Term NEW_PAYOFF Total interest INTEREST_NEW (MSG_NEW_INTEREST_SAVINGS than your current debt situation) First year tax savings* TAX_SAVINGS with a combined State and Federal income tax rate of INCOME_TAX_RATE. *Taxpayers can deduct the interest paid on first and second mortgages up to $1,000,000 in mortgage debt (the limit is $500,000 if married and filing separately). Any interest paid on first or second mortgages over this amount is not tax deductible. Home equity loans are limited to $100,000 or the amount of equity you have in your home. Our calculator limits your interest deduction to the interest payment that would be paid on a $1,000,000 mortgage. Please note that in addition to the $1,000,000 mortgage debt limit; this calculator assumes that your itemized deductions will exceed the standard deduction for your income tax filing status. If your itemized deductions don't exceed your standard deduction, the benefit of deducting the interest on your home will be reduced or eliminated. For 2008, the standard deductions are $10,900 for married couples filing jointly, $5,450 for married couples filing separately and singles, and $8,000 for heads of household. You should also be aware that the total tax savings may be less for higher incomes that have their allowable itemized deductions phased out. We also do not consider any tax savings you might have previously had if you are consolidating an existing mortgage. Current Loans and Credit CardsThe total of all current loan payments is MONTHLY_PAYMENT. This is based on the loans and payment information shown below. Current Loans to be Consolidated ? Amount OwedMonthly PaymentInterest Rate Credit cardsCC_OUTSTANDING_BALANCECC_MONTHLY_PAYMENTCC_AVERAGE_RATE Installment LoansAUTO_OUTSTANDING_BALANCEAUTO_MONTHLY_PAYMENTAUTO_AVERAGE_RATE Existing Mortgage LoansOTHER_OUTSTANDING_BALANCEOTHER_MONTHLY_PAYMENTOTHER_AVERAGE_RATE TotalsOUTSTANDING_BALANCEMONTHLY_PAYMENTAVERAGE_RATE New Mortgage Payment Schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

2009-08-05T20:15:00Z

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Determining which mortgage term is right for you can be a challenge. With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you. MortgageCompare.class 380 144 Mortgage comparison: 15 years vs. 30 years

Mortgage comparison: 15 years vs. 30 years Which is better: a 15 or 30 year mortgage term? 15 year term saves you INTEREST_DIFFERENCE, but costs an additional PAYMENT_DIFFERENCE per month.**GRAPH**A 15 year mortgage term will save you INTEREST_DIFFERENCE in interest, but only if you can afford an additional PAYMENT_DIFFERENCE per month. Total payments for a LOAN_AMOUNT, 15 year mortgage at TERM15_INTEREST_RATE is TERM15_TOTAL_OF_PAYMENTS. Total payments for the same loan with a 30 year mortgage at TERM30_INTEREST_RATE is TERM30_TOTAL_OF_PAYMENTS. Mortgage Comparison ?15 year mortgage30 year mortgage Loan amountLOAN_AMOUNTLOAN_AMOUNT Interest rateTERM15_INTEREST_RATETERM30_INTEREST_RATE Monthly paymentTERM15_MONTHLY_PITERM30_MONTHLY_PI Total interestTERM15_INTEREST_PAIDTERM30_INTEREST_PAID Total paymentsTERM15_TOTAL_OF_PAYMENTSTERM30_TOTAL_OF_PAYMENTS Interest and Income TaxesChanging your mortgage term can make a difference in not only the interest you pay, but your income taxes. A longer mortgage term can increase your income tax deduction. Take a look at the results below, to see how the different terms stack up. Interest and Income Tax Comparison ?15 year mortgage30 year mortgage First month's interestTERM15_FIRST_MONTH_INTEREST TERM30_FIRST_MONTH_INTEREST First month's principalTERM15_FIRST_MONTH_PRINCIPALTERM30_FIRST_MONTH_PRINCIPAL First year's interestTERM15_FIRST_YEAR_INTERESTTERM30_FIRST_YEAR_INTEREST First year's tax savingsTERM15_FIRST_YEAR_TAX_SAVINGSTERM30_FIRST_YEAR_TAX_SAVINGS Avg. year's tax savingsTERM15_AVG_TAX_SAVINGSTERM30_AVG_TAX_SAVINGS 15 Year Payment schedule TERM15_SCHEDULE 30 Year Payment schedule TERM30_SCHEDULE Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Use this calculator to determine the Annual Percentage Rate (APR) of your Adjustable Rate Mortgage (ARM). Knowing your APR can help you compare different ARMs with different fees and terms. MortgageAprAdjustable.class 450 163 APR Calculator for Adjustable Rate Mortgages

APR Calculator for Adjustable Rate Mortgages APR Calculator for Adjustable Rate Mortgages The Annual Percentage Rate (APR) for your Adjustable Rate Mortgage (ARM) is LOAN_APR. This is for a LOAN_AMOUNT loan for TERM years, with a starting payment of MONTHLY_PI and closing costs of TOTAL_CLOSING_COSTS. The APR was calculated with an interest rate that remains fixed at INTEREST_RATE for ADJUSTABLE_RATE_FIXED months, which will adjust to a fully indexed rate of ADJUSTABLE_RATE_CAP. Please see the table to the right for all payment amounts used to calculate this APR. Calculated Payments for this ARM:ADJUSTABLE_PAYMENT_AMTS **GRAPH** Mortgage Summary Loan Information Mortgage amountLOAN_AMOUNT TermTERM years Starting Interest rateINTEREST_RATE Initial monthly paymentMONTHLY_PI Current index RATE_INDEX Margin RATE_INDEX_MARGIN Adjustments Months before first adjustmentADJUSTABLE_RATE_FIXED months Months between adjustmentsADJUSTABLE_RATE_FEQ months Maximum adjustmentADJUSTABLE_RATE_INCR Fully indexed rate ADJUSTABLE_RATE_CAP Fully indexed payment FULLY_INDEXED_PAYMENT Closing Costs Origination feeORIGINATION_FEES_PERCENT = ORIGINATION_FEES_AMT Points paidDISCOUNT_POINTS_PERCENT = DISCOUNT_POINTS_AMT Other fees to include OTHER_FEES Total closing costs TOTAL_CLOSING_COSTS Summary Total paymentsTOTAL_OF_PAYMENTS Total interestINTEREST_PAID Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the "View Report" button for a full yearly or monthly amortization schedule. MortgageLoan.class 380 161 Mortgage Loan Calculator

Mortgage Loan Calculator Mortgage Loan Calculator Results Based on the information you entered, your payment is MONTHLY_PI for TERM years with a rate of INTEREST_RATE.**GRAPH** Mortgage Summary Loan amountLOAN_AMOUNT TermTERM years Interest rateINTEREST_RATE Monthly payment (PI)MONTHLY_PI Total principal and interest paymentsTOTAL_OF_PAYMENTS Total interestINTEREST_PAID Prepayment ResultsPrincipal prepayments on your mortgage can save you a great deal of interest. They can also shorten the time it takes to pay off your mortgage, in many cases, by several years. PREPAY_MESSAGE Prepayment Summary AmountPREPAY_AMOUNT PREPAY_TYPE Start with paymentPREPAY_STARTS_WITH? Total paymentsPREPAY_TOTAL_OF_PAYMENTS? Total interestPREPAY_INTEREST_PAID? Interest savingsPREPAY_INTEREST_SAVINGS? Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

2009-08-05T20:22:16Z

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A fixed rate mortgage has the same payment for the entire term of the loan. Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage. MortgageArmvsFixed.class 380 147 Fixed Rate Mortgage vs. Interest Only Mortgage

Fixed Rate Mortgage vs. Interest Only Mortgage Fixed Rate Mortgage vs. Interest Only Mortgage An interest mortgage could save you as much as SAVINGS_IO_MONTH per month.**GRAPH** A LOAN_AMOUNT fixed rate mortgage with a term of TERM years at INTEREST_RATE0 has a monthly payment of MONTHLY_PI0. An interest only mortgage at INTEREST_RATE2 has a MONTHLY_PI2 monthly payment. This could save you SAVINGS_IO_MONTH per month over a fully amortizing fixed rate mortgage. Interest Only Mortgage Initial savings on monthly paymentSAVINGS_IO_MONTH Payment savings first yearSAVINGS_IO_FIRST_YEAR Payment savings for five yearsSAVINGS_IO_FIVE_YEAR Results Summary ?Fixed Rate MortgageInterest Only Mortgage Loan amountLOAN_AMOUNTLOAN_AMOUNT TermTERM yearsTERM years Interest rateINTEREST_RATE0 INTEREST_RATE2 Initial monthly paymentMONTHLY_PI0MONTHLY_PI2 First year totals: ??Interest??Principal??Payments FIRST_YEAR_INTEREST0FIRST_YEAR_PRINCIPAL0FIRST_YEAR_TOTAL0FIRST_YEAR_INTEREST2FIRST_YEAR_PRINCIPAL2FIRST_YEAR_TOTAL2 Five year totals:??Interest??Principal??Payments FIVE_YEAR_INTEREST0FIVE_YEAR_PRINCIPAL0FIVE_YEAR_TOTAL0FIVE_YEAR_INTEREST2FIVE_YEAR_PRINCIPAL2FIVE_YEAR_TOTAL2 Total interestTOTAL_INTEREST0TOTAL_INTEREST2 Total paymentsTOTAL_PAYMENTS0TOTAL_PAYMENTS2 Ending balance ENDING_BALANCE0ENDING_BALANCE2 Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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A fixed rate mortgage has the same payment for the entire term of the loan. An adjustable rate mortgage (ARM) has a rate that can change, causing your monthly payment to increase or decrease. Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. MortgageArmvsFixed.class 420 156 ARM vs. Fixed Rate Mortgage

ARM vs. Fixed Rate Mortgage ARM vs. Fixed Rate Mortgage Results A Fully Amortizing ARM could save you SAVINGS_ARM_MONTH per month. An Interest Only ARM could save you as much as SAVINGS_IO_MONTH per month.**GRAPH**A LOAN_AMOUNT Fixed Rate Mortgage with a term of TERM years at INTEREST_RATE0 has a monthly payment of MONTHLY_PI0. If you were to finance this mortgage with a Fully Amortizing ARM at INTEREST_RATE1 the monthly payment would be MONTHLY_PI1, saving you SAVINGS_ARM_MONTH per month. An Interest Only ARM at INTEREST_RATE2 has a MONTHLY_PI2 monthly payment. This could save you SAVINGS_IO_MONTH per month over a Fixed Rate Mortgage. ARM vs. Fixed Rate Mortgage ?Fully Amortizing ARMInterest Only ARM Initial savings on monthly paymentSAVINGS_ARM_MONTHSAVINGS_IO_MONTH Payment savings first yearSAVINGS_ARM_FIRST_YEARSAVINGS_IO_FIRST_YEAR Payment savings for four yearsSAVINGS_ARM_FIVE_YEARSAVINGS_IO_FIVE_YEAR BREAK_EVEN_NOTE**This only applies to the Fully Amortizing ARM vs. Fixed Rate Mortgage. Results Summary ?Fixed Rate MortgageFully Amortizing ARMInterest Only ARM Loan amountLOAN_AMOUNTLOAN_AMOUNTLOAN_AMOUNT TermTERM yearsTERM yearsTERM years Interest rateINTEREST_RATE0INTEREST_RATE1Rate is fixed for ADJUSTABLE_MONTHS_FIXED1 months and then is adjusted by ADJUSTABLE_RATE_INCR1 every ADJUSTABLE_RATE_FEQ1 months, up to a maximum of ADJUSTABLE_RATE_CAP1. The highest rate actually charged was HIGHEST_RATE1.INTEREST_RATE2Rate is fixed for ADJUSTABLE_MONTHS_FIXED2 months and then is adjusted by ADJUSTABLE_RATE_INCR2 every ADJUSTABLE_RATE_FEQ2 months, up to a maximum of ADJUSTABLE_RATE_CAP2. The highest rate actually charged was HIGHEST_RATE2. Initial monthly paymentMONTHLY_PI0MONTHLY_PI1MONTHLY_PI2 MSG_FIVE_YEAR_PAYMENTFIVE_YEAR_PAYMENT0FIVE_YEAR_PAYMENT1FIVE_YEAR_PAYMENT2 First year totals: ??Interest??Principal??Payments FIRST_YEAR_INTEREST0FIRST_YEAR_PRINCIPAL0FIRST_YEAR_TOTAL0FIRST_YEAR_INTEREST1FIRST_YEAR_PRINCIPAL1FIRST_YEAR_TOTAL1FIRST_YEAR_INTEREST2FIRST_YEAR_PRINCIPAL2FIRST_YEAR_TOTAL2 MSG_FIVE_YEAR_TOTALS:??Interest??Principal??Payments FIVE_YEAR_INTEREST0FIVE_YEAR_PRINCIPAL0FIVE_YEAR_TOTAL0FIVE_YEAR_INTEREST1FIVE_YEAR_PRINCIPAL1FIVE_YEAR_TOTAL1FIVE_YEAR_INTEREST2FIVE_YEAR_PRINCIPAL2FIVE_YEAR_TOTAL2 Total interestTOTAL_INTEREST0TOTAL_INTEREST1TOTAL_INTEREST2 Total paymentsTOTAL_PAYMENTS0TOTAL_PAYMENTS1TOTAL_PAYMENTS2 Ending balance ENDING_BALANCE0ENDING_BALANCE1ENDING_BALANCE2 Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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How much interest can you save by increasing your mortgage payment? This financial calculator helps you find out. Click the "View Report" button to see a complete amortization payment schedule, and how much you can save on your mortgage! MortgagePayoff.class 440 159 Mortgage Payoff

Mortgage Payoff Mortgage Payoff Mortgage repayment shortened by EARLY_PAYOFF_YEARS years and EARLY_PAYOFF_MONTHS months.**GRAPH**By increasing your mortgage payment INCREASE_BY_AMT per month you not only shorten your mortgage, but it will also save you EARLY_PAYOFF_SAVINGS in interest. Mortgage Payoff Summary Original termMORTGAGE_YRS_LENGTH Years RemainingMORTGAGE_YRS_LEFT Years Interest rateRATE Normal payment (PI)PI_PAYMENT Prepayment amountINCREASE_BY_AMT per month Prepayment shortens mortgage byEARLY_PAYOFF_YEARS years, EARLY_PAYOFF_MONTHS months Prepayment savingsEARLY_PAYOFF_SAVINGS Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Fill in your loan amounts, credit card balances and other outstanding debt. You can then see what your monthly payment would be with a consolidated loan. Try adjusting your terms, loan types or rate until you find a consolidation plan that fits your needs - and most importantly your budget! Consolidate.class 420 128 Debt Consolidation Calculator

Debt Consolidation Calculator Debt Consolidation RESULTS_MESSAGE.**GRAPH**RESULTS_MESSAGE. SAVINGS_MESSAGE ?Current loansConsolidated Loan Balance CURRENT_LOANS_BALANCENEW_LOAN_AMOUNT Total interest CURRENT_LOANS_TOTAL_INTEREST NEW_LOAN_TOTAL_INTEREST Tax savings $0NEW_LOAN_TAX_SAVINGS Closing costs + lost interest(This amount is $0 if closing costs are included in the loan amount) $0INTEREST_FROM_SAVINGS_ACCOUNT Total payments CURRENT_LOANS_TOTAL_PAYMENTSNEW_LOAN_NET_PAYMENTS New Consolidation Loan Loan amount NEW_LOAN_AMOUNT Monthly payment NEW_LOAN_INITIAL_PAYMENT Interest rate INTEREST_RATE Term in months TERM_IN_MONTHS Total closing costs TOTAL_CLOSING_COSTS INCLUDE_CLOSING_COSTS_IN_LOAN Loan type LOAN_TYPE Current Loans and Credit CardsThe total of all current loan payments is CURRENT_LOANS_INITIAL_PAYMENT. This is based on the loans and payment information shown below. Current Loans ?Amount OwedMonthly PaymentPayments Left Auto loanAUTO_LOAN_AMOUNT_OWED AUTO_LOAN_PAYMENTAUTO_LOAN_MONTHS_LEFT Second Auto loanAUTO_LOAN_2_AMOUNT_OWED AUTO_LOAN_2_PAYMENTAUTO_LOAN_2_MONTHS_LEFT Education loansEDUCATION_LOANS_AMOUNT_OWED EDUCATION_LOANS_PAYMENTEDUCATION_LOANS_MONTHS_LEFT Boat/RV loansBOAT_RV_LOANS_AMOUNT_OWED BOAT_RV_LOANS_PAYMENTBOAT_RV_LOANS_MONTHS_LEFT Other loansOTHER_LOANS_AMOUNT_OWEDOTHER_LOANS_PAYMENTOTHER_LOANS_MONTHS_LEFT Credit Card Summary ?Amount OwedMonthly PaymentInterest Rate Credit card 1CREDIT_CARD_1_AMOUNTCREDIT_CARD_1_PAYMENTCREDIT_CARD_1_RATE Credit card 2CREDIT_CARD_2_AMOUNTCREDIT_CARD_2_PAYMENTCREDIT_CARD_2_RATE Credit card 3CREDIT_CARD_3_AMOUNTCREDIT_CARD_3_PAYMENTCREDIT_CARD_3_RATE Other accountOTHER_ACCOUNT_AMOUNT OTHER_ACCOUNT_PAYMENTOTHER_ACCOUNT_RATE New Loan Payment Schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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The Credit Card Optimizer helps you determine the best distribution of your credit card debt. By entering your credit card balances, rates and credit limits this calculator determines which balance transfers will produce the greatest savings. CardOptimizer.class 380 132 Credit Card Optimizer

Credit Card Optimizer Credit Card Optimizer You could save INTEREST_SAVINGS in interest!**GRAPH**You owe a total of CC_OUTSTANDING_BALANCE. Your current minimum monthly payment is CC_MONTHLY_PAYMENT. If you continue to make the minimum payments it will take you CURRENT_PAYOFF to payoff this debt. The total interest paid will be INTEREST_CURRENT. By optimizing your credit cards you could save INTEREST_SAVINGS in interest. It will take you NEW_PAYOFF to payoff your optimized credit card balances. Recommended credit card transfersThe following is a list of credit card transfers that are recommended to create optimal balances on your accounts: CREDIT_CARD_TRANSFERS Your resulting credit card balances are summarized below: ?CurrentOptimized ?BalancePaymentBalancePayment TotalsCC_OUTSTANDING_BALANCECC_MONTHLY_PAYMENTCC_OUTSTANDING_BALANCENEW_MONTHLY_PAYMENT Optimized Payment Schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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The Credit Card Roll-down Calculator applies two simple principles to paying off your credit card debt. DebtRolldown.class 380 136 Roll-Down Your Credit Card Debt!

Roll-Down Your Credit Card Debt! Roll-Down Your Credit Card Debt! The Roll-down method could help you pay MSG_INTEREST_SAVINGS in interest.**GRAPH**You owe a total of CC_OUTSTANDING_BALANCE. Your current minimum monthly payment is CC_MONTHLY_PAYMENT. If you continue to make the minimum payments the total interest paid will be INTEREST_CURRENT. It will take you CURRENT_PAYOFF to payoff this debt. Using the credit card Roll-down method your total payments would be NEW_MONTHLY_PAYMENT, which includes an additional ADDITIONAL_AMOUNT per month. The Roll-down method could help you pay MSG_INTEREST_SAVINGS in interest. In addition, the time it will take you to payoff your credit cards is reduced to NEW_PAYOFF. This analysis assumes that each month you apply your Roll-down amount to MSG_METHOD. Roll-down Debt Summary ? Amount OwedInterest RateMonthly Payment Total CC_OUTSTANDING_BALANCECC_AVERAGE_RATECC_MONTHLY_PAYMENT Roll-down Payment Schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Use this calculator to find out how much you owe. This can be used as a good starting point for your debt management plan. Enter all of your credit cards and outstanding installment loans balances. Find out how much you owe and how long it will take to pay it all off. DebtAmount.class 400 149 How much do you owe?

How much do you owe? How much do I owe? You owe a total of OUTSTANDING_BALANCE.**GRAPH**Your current payment is MONTHLY_PAYMENT. If you continue to make the minimum payments it will take you CURRENT_PAYOFF to payoff this debt. The total interest paid will be INTEREST_CURRENT. Debt Summary ? Amount OwedInterest RateMonthly Payment Credit cards CC_OUTSTANDING_BALANCECC_AVERAGE_RATECC_MONTHLY_PAYMENT Auto loansAUTO_OUTSTANDING_BALANCEAUTO_AVERAGE_RATEAUTO_MONTHLY_PAYMENT Other loans OTHER_OUTSTANDING_BALANCEOTHER_AVERAGE_RATEOTHER_MONTHLY_PAYMENT Totals OUTSTANDING_BALANCEAVERAGE_RATEMONTHLY_PAYMENT Payment Schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff. The process is simple; just apply a portion of your consolidated loan's monthly payment savings to the consolidated loan's balance. You can save hundreds, even thousands in interest and shave years off of your loan! DebtAccel.class 420 152 Accelerated Debt Payoff

Accelerated Debt Payoff Accelerated Debt Payoff MSG_TITLE**GRAPH**With a new consolidated loan of NEW_LOAN_BALANCE your monthly payment would be NEW_LOAN_PAYMENT. If you accelerate your payments by ACCELERATE_BALANCE per month you could payoff your debt in ACCEL_PAYOFF. Your accelerated payment plan would amount to MSG_INTEREST_SAVINGS in interest paid on your debt. ?Current DebtConsolidation LoanAccelerated Loan Loan amount OUTSTANDING_BALANCE NEW_LOAN_BALANCE NEW_LOAN_BALANCE Monthly payment MONTHLY_PAYMENT NEW_LOAN_PAYMENT ACC_LOAN_PAYMENT Interest rate AVERAGE_RATE NEW_LOAN_RATE NEW_LOAN_RATE Total interest INTEREST_CURRENTINTEREST_NEW INTEREST_ACCEL Interest difference $0MSG_NEW_INTEREST_SAVINGS MSG_INTEREST_SAVINGS Time to payoff CURRENT_PAYOFF NEW_PAYOFF ACCEL_PAYOFF! Current Loans and Credit CardsThe total of all current loan payments is MONTHLY_PAYMENT. This is based on the loans and payment information shown below. Current Loans ? Amount OwedMonthly PaymentInterest Rate Credit cardsCC_OUTSTANDING_BALANCECC_MONTHLY_PAYMENTCC_AVERAGE_RATE Auto loansAUTO_OUTSTANDING_BALANCEAUTO_MONTHLY_PAYMENTAUTO_AVERAGE_RATE Other loansOTHER_OUTSTANDING_BALANCEOTHER_MONTHLY_PAYMENTOTHER_AVERAGE_RATE TotalsOUTSTANDING_BALANCEMONTHLY_PAYMENTAVERAGE_RATE Consolidated and Accelerated Loan Payment Schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Should you consolidate your debt? This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loans balances by clicking on the "Enter Data" button for each category. Then change the consolidated loan amount, term or rate to create a loan that will work within your budget. Click the "View Report" button for detailed results. DebtConsolidate.class 360 146 Personal Debt Consolidation

Personal Debt Consolidation Debt Consolidation Your consolidated payment is NEW_LOAN_PAYMENT, which is MONTHLY_PAYMENT_SAVINGS per month.**GRAPH**With a new consolidated loan of NEW_LOAN_BALANCE your monthly payment is NEW_LOAN_PAYMENT. This is MONTHLY_PAYMENT_SAVINGS than your currently monthly payment of MONTHLY_PAYMENT. The total interest payment for the new consolidated loan would be INTEREST_NEW. With the new consolidated loan you pay MSG_NEW_INTEREST_SAVINGS in interest. Consolidation Loan Loan amount NEW_LOAN_BALANCE Monthly payment NEW_LOAN_PAYMENT Interest rate NEW_LOAN_RATE Term NEW_PAYOFF Total interest INTEREST_NEW Current Loans and Credit CardsThe total of all current loan payments is MONTHLY_PAYMENT. This is based on the loans and payment information shown below. Current Loans ? Amount OwedMonthly PaymentInterest Rate Credit cardsCC_OUTSTANDING_BALANCECC_MONTHLY_PAYMENTCC_AVERAGE_RATE Auto loansAUTO_OUTSTANDING_BALANCEAUTO_MONTHLY_PAYMENTAUTO_AVERAGE_RATE Other loansOTHER_OUTSTANDING_BALANCEOTHER_MONTHLY_PAYMENTOTHER_AVERAGE_RATE TotalsOUTSTANDING_BALANCEMONTHLY_PAYMENTAVERAGE_RATE New Loan Payment Schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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The Student Loan Consolidation and Debt Payoff Calculator applies two simple principles to paying off high-interest debt. StudentRolldown.class 500 148 Student Loan Consolidation and Debt Payoff

Student Loan Consolidation and Debt Payoff Student Loan Consolidation and Debt Payoff Calculator This strategy could help you pay MSG_INTEREST_SAVINGS in interest. By applying an extra ADDITIONAL_AMOUNT from your consolidated student loan savings to payoff your non-student loan debt, you would be able to increase your monthly payment on this debt to NEW_MONTHLY_PAYMENT. This could help you pay MSG_INTEREST_SAVINGS in interest. In addition, the time it will take you to payoff your non-student loan debt is reduced to NEW_PAYOFF. This analysis assumes that each month you apply your extra payment amount to MSG_METHOD. Student Loan Consolidation Results Total current student loan payments STUDENT_LOAN_CURR_PAYMENT per monthly Total outstanding student loan debtSTUDENT_LOAN_AMOUNT Interest rate for new consolidated loan STUDENT_LOAN_RATE Term of new loan STUDENT_LOAN_TERM years New student loan payment STUDENT_LOAN_NEW_PAYMENT per month Savings STUDENT_LOAN_SAVINGS per month Non-Student Loan Debt You owe a total of OUTSTANDING_BALANCE in non-student loan debt. Your current minimum monthly payment is MONTHLY_PAYMENT. If you continue to make the minimum payments on this debt, the total interest paid will be INTEREST_CURRENT. Using minimum payments it could take you CURRENT_PAYOFF to payoff this debt. Non-Student Loan Debt Summary ? Amount OwedInterest RateMonthly Payment Credit cards CC_OUTSTANDING_BALANCECC_AVERAGE_RATECC_MONTHLY_PAYMENT Auto loansAUTO_OUTSTANDING_BALANCEAUTO_AVERAGE_RATEAUTO_MONTHLY_PAYMENT Other loans OTHER_OUTSTANDING_BALANCEOTHER_AVERAGE_RATEOTHER_MONTHLY_PAYMENT Totals OUTSTANDING_BALANCEAVERAGE_RATEMONTHLY_PAYMENT Non-Student Loan Debt Payoff Details ?AmountOwedInterestRateCurrent Monthly PaymentInitialRoll-DownMonthly Payment*DebtPaid In CREDIT_CARD_DETAILS Total OUTSTANDING_BALANCEAVERAGE_RATEMONTHLY_PAYMENTNEW_MONTHLY_PAYMENTNEW_PAYOFF *Please note that this amount may increase as additional debt balances are paid off. Non-Student Loan Payment Schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you. Enter your credit cards, installment loans and any other debt you wish to consolidate by clicking on the "Enter Data" button for each category. Then change the consolidated loan amount, term or rate to create a loan that will work within your budget. Click the "View Report" button for detailed results. DebtConsolidate.class 360 151 Home Equity Debt Consolidation

Home Equity Debt Consolidation Home Equity Debt Consolidation Your consolidated mortgage payment is NEW_LOAN_PAYMENT, which is MONTHLY_PAYMENT_SAVINGS per month.**GRAPH**Your new consolidated mortgage would be for NEW_LOAN_BALANCE and have a monthly payment of NEW_LOAN_PAYMENT. This is MONTHLY_PAYMENT_SAVINGS than your currently monthly payment of MONTHLY_PAYMENT. New Consolidated Mortgage Loan Mortgage amount NEW_LOAN_BALANCE Monthly payment NEW_LOAN_PAYMENT Interest rate NEW_LOAN_RATE Home equity product LOAN_TERM_LABEL Current Loans and Credit CardsThe total of all current loan payments is MONTHLY_PAYMENT. This is based on the loans and payment information shown below. Current Loans to be Consolidated ? Amount OwedMonthly PaymentInterest Rate Credit cardsCC_OUTSTANDING_BALANCECC_MONTHLY_PAYMENTCC_AVERAGE_RATE Auto LoansAUTO_OUTSTANDING_BALANCEAUTO_MONTHLY_PAYMENTAUTO_AVERAGE_RATE Other LoansOTHER_OUTSTANDING_BALANCEOTHER_MONTHLY_PAYMENTOTHER_AVERAGE_RATE TotalsOUTSTANDING_BALANCEMONTHLY_PAYMENTAVERAGE_RATE Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule. SimpleLoan.class 325 116 Amortizing Loan Calculator

Amortizing Loan Calculator Loan Calculator Results Your payment is MONTHLY_PAYMENT for a LOAN_AMOUNT loan.**GRAPH**Your LOAN_AMOUNT loan has a payment of MONTHLY_PAYMENT per month for TERM months. If you make all of your payments on this loan, and do not prepay any of the principal, the total interest for this loan is INTEREST_PAID. Loan summary Monthly paymentMONTHLY_PAYMENT Loan amountLOAN_AMOUNT Interest rateINTEREST_RATE TermTERM months Total of paymentsTOTAL_OF_PAYMENTS Total interest paidINTEREST_PAID Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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How much life insurance do you need? Enter your current assets, expenses, income and let us determine how much life insurance you need. You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs. Press the report button to see a year by year breakdown of your family's future income and expenses. LifeInsurance.class 400 117 Life Insurance Calculator

Life Insurance Calculator How much life insurance do you need? Your family may require NEW_INSURANCE_NEEDED in life insurance.**GRAPH**This is based on your total life insurance needs of LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL with CURRENT_INSURANCE of current life insurance. This analysis covers NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER years with an inflation rate of INFLATION_RATE per year. Your rate earned on savings and investments is calculated at RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS per year. Your combined federal and state income tax rate is COMBINED_FEDERAL_AND_STATE_TAX_RATE. IMMEDIATE_NEED_MSG Total Assets Current life insurance coverageCURRENT_INSURANCE Cash and savingsCASH_AND_SAVINGS Home equityHOME_EQUITY InvestmentsINVESTMENTS OtherOTHER Total assets to cover expensesTOTAL_ASSETS_TO_COVER_EXPENSES Expenses at Death Estate or inheritance taxes on assetsESTATE_OR_INHERITANCE_TAXES_ON_ASSETS Probate costsPROBATE_COSTS Funeral costsFUNERAL_COSTS Uninsured medical costsUNINSURED_MEDICAL_COSTS Debt repaymentDEBT_REPAYMENT College fund for child 1COLLEGE_FUND_FOR_CHILD_1 College fund child 2COLLEGE_FUND_CHILD_2 College fund child 3COLLEGE_FUND_CHILD_3 Other expensesOTHER_ATDEATH_EXPENSES Total expenses at deathTOTAL_EXPENSES_AT_DEATH Your Family's Future Income (After Taxes) ?AmountYears until StartDuration Spouse income from workSPOUSE_INCOME_FROM_WORKYEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORKDURATION_SPOUSE_INCOME_FROM_WORK Social security survivor benefits children at homeSOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOMEYEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOMEDURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME Social Security survivor benefits children goneSOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONEYEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONEDURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE Other IncomeOTHER_INCOMEYEARS_UNTIL_START_OTHER_INCOMEDURATION_OTHER_INCOME Total future income* TOTAL_VALUE_OF_CURRENT_INCOME Your Family's Future Expenses ?AmountYears until StartDuration Child care expensesCHILD_CARE_EXPENSESYEARS_UNTIL_START_CHILD_CARE_EXPENSESDURATION_CHILD_CARE_EXPENSES Living expenses with children at homeLIVING_EXPENSES_WITH_CHILDREN_AT_HOMEYEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_ Living expenses with children goneLIVING_EXPENSES_WITH_CHILDREN_GONEYEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONEDURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE Children's education expensesCHILDRENS_COLLEGE_EXPENSESYEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSESDURATION_CHILDRENS_COLLEGE_EXPENSES Retraining and education for spouseRETRAINING_AND_EDUCATION_FOR_SPOUSEYEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSEDURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE Other expensesOTHER_EXPENSES YEARS_UNTIL_START_OTHER_EXPENSESDURATION_OTHER_EXPENSES Total future expenses*TOTAL_FUTURE_EXPENSES *Both the future expenses and future income totals are expressed as the amount of cash required today, invested at your expected rate of return, to equal the total future cash flow. For example, if you are expecting to receive $1,000 in exactly one year, that $1,000 has the same value as $909 today invested at 10%. Our totals show these current amounts to calculate the life insurance you require today to help cover your future expenses after your future income is taken into account. Income and expenses** **REPEATING GROUP** **Please note that interest income in the above schedule is calculated at AFTERTAX_RATE, which is your after tax annual rate of return. Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Saving for your children's education requires a long-term plan. And, like saving for retirement, the earlier you start your plan the better. Use this calculator to help develop or fine-tune your education savings plan. Click the "View Report" button for a detailed look at the results. CollegeSavings.class 380 119 College Savings

College Savings College Savings Plan MSG_RESULTS_STATEMENTDuring the next YEARS_BEFORE_DONE years you will need to save about TOTAL_COST to cover educational expenses. MSG_RESULTS_STATEMENT In order to be right on target you should CHANGE_REQUIRED.**GRAPH** Your Current Savings Plan Education cost inflation COLLEGE_COST_INFLATION Current savings CURRENT_SAVINGS Monthly contributions MONTHLY_ADDITIONS_TO_SAVINGS Rate of return RATE_OF_RETURN Total expenses TOTAL_COST Changes required in plan? You should CHANGE_REQUIRED. Educational ExpensesThe following educational costs assume that your children will attend a four-year program. If they are planning on attending school for a longer period of time, the cost will increase. CHILD_ONE_SUMMARY CHILD_TWO_SUMMARY CHILD_THREE_SUMMARY CHILD_FOUR_SUMMARY Savings and expenses by year **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Should you lease or buy your car? Use this calculator to find out! We calculate your monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you. BuyvsLease.class 400 120 Lease vs. Buy

Lease vs. Buy Buy or Lease Results Your lease payment would be MONTHLY_PAYMENT compared with a LOAN_PAYMENT loan payment.**GRAPH** Your lease payment would be MONTHLY_PAYMENT compared with a LOAN_PAYMENT loan payment. This is based on a price of CAR_PRICE and a TERM month lease vs. a LOAN_TERM month loan. Details of your cost of leasing and cost of buying are shown below: Buy Lease PriceCAR_PRICEPriceCAR_PRICE Interest rateINTEREST_RATEInterest rateLEASE_INTEREST Down paymentDOWN_PAYMENTDown paymentDOWN_PAYMENT Other fees buyOTHER_FEES_BUYOther fees leaseOTHER_FEES_LEASE Rate of depreciationRATE_OF_DEPRECIATIONResidual percentRESIDUAL_PERCENT Sales taxSALES_TAXSecurity depositSECURITY_DEPOSIT Loan amountLOAN_AMOUNT?? Loan paymentLOAN_PAYMENTLease paymentMONTHLY_PAYMENT ? Net cost of buying Net cost of leasing Total loan payments+TOTAL_PAYMENTS Total lease payments+TOTAL_LEASE_PAYMENTS Lost interest on buy option+LOST_INTEREST_ON_BUY Lost interest on up front costs+LOST_INTEREST_ON_LEASE Down payment+DOWN_PAYMENT Up front costs+TOTAL_UPFRONT_COSTS Market value after TERM months*-MARKET_VALUE_AT_END_OF_LOAN?? Ending loan balance+ENDING_LOAN_BALANCE?? Net cost of purchase=NET_COST_OF_PURCHASE Net cost of lease=NET_COST_OF_LEASE *We assume that you sell your vehicle at the estimated market value at the end of the term. Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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What might it take to save one million dollars? This financial calculator helps you find out. Enter in your current savings plan and graphically view your financial results for each year until you retire. Press the "View Report" button for a report that helps you see when you might hit your cool million - and what you might be able to do to possibly achieve this goal. Millionaire.class 400 121 Cool Million

Cool Million How does your savings plan stack up? YOU_MADE_IT With your current investment plan you could be a millionaire at age AGE_AT_MILLION.**GRAPH** To target a million dollars by age AGE_DESIRED? Change your monthly savings to RQD_SAVE_MONTH. Change your current amount invested to RQD_CURRENT. Receive a rate of return of RQR_ROR_BFTAX. Adjusted for INFLATION_RATE annual inflation, at age AGE_AT_MILLION a million dollars would be worth NPV_MILLION. Your Input Values Current age:AGE_CURRENT Target millionaire age:AGE_DESIRED Amount currently invested:AMT_CURRENT Amount you can save per month:AMT_SAVE_MONTH Expected rate of return on investments:ROR_INVEST Inflation rate:INFLATION_RATE Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earning. Use this calculator to determine your economic value for your loved ones... your Human Life Value. HumanLifeValue.class 400 123 Human Life Value

Human Life Value Human Life Value Your Human Life Value was calculated as HUMAN_LIFE_VALUE1 **GRAPH** Your Human Life Value of HUMAN_LIFE_VALUE1 is for an annual income of CURRENT_ANNUAL_INCOME and includes an annual income growth of EXPECTED_INCOME_GROWTH. This assumes you have YEARS_UNTIL_RETIREMENT years until your retirement and an annual return on investments of RETURN_ON_INVESTMENTS. If you also include EXPECTED_ANNUAL_INFLATION_RATE annually for inflation, your Human Life Value changes to HUMAN_LIFE_VALUE2. Results Summary Years until retirement YEARS_UNTIL_RETIREMENT Current annual income CURRENT_ANNUAL_INCOME Return on investments RETURN_ON_INVESTMENTS Expected annual inflation rate EXPECTED_ANNUAL_INFLATION_RATE Expected income growth EXPECTED_INCOME_GROWTH Human Life ValueAdjusted for income growth HUMAN_LIFE_VALUE1 Human Life ValueAdjusted for income growth and inflation HUMAN_LIFE_VALUE2 Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining. You can then click on the "View Report" button for a complete, payment by payment, amortization schedule of your loan. ExistingLoan.class 380 126 Existing Loan Calculator

Existing Loan Calculator Existing Loan Calculator Your current loan balance is CURRENT_BALANCE.**GRAPH**You have paid a total of TOTAL_OF_PAYMENTS after MONTHS_TODATE monthly payments. This includes INTEREST_PAID in interest. If you continue to make your regular monthly payments you will pay an additional INTEREST_REMAINING in interest over the next MONTHS_LEFT months. Loan summary Monthly paymentMONTHLY_PAYMENT Loan amountLOAN_AMOUNT Interest rateINTEREST_RATE TermTERM months Payments leftMONTHS_LEFT monthly payments Current balanceCURRENT_BALANCE Interest paidINTEREST_PAID Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth, if you were to invest them. View the value of this new potential nest egg both with and without taxes factored in. SpendLess.class 380 127 Benefit of Spending Less

Benefit of Spending Less Spending Less Results You could save TAX_DEFERRED_TOTAL in YEARS_OF_SAVING years.**GRAPH**By spending MONTHLY_SAVINGS less per month and investing that amount at RATE_OF_RETURN you could save TAX_DEFERRED_TOTAL before taxes in YEARS_OF_SAVING years. If you pay taxes on your savings, this amount would be reduced to SAVINGS_TOTAL with a combined state and federal marginal tax rate of MARGINAL_TAX_RATE. Results Summary Monthly savings (from spending less)MONTHLY_SAVINGS Total savings before taxes (or tax deferred)TAX_DEFERRED_TOTAL Total savings after taxesSAVINGS_TOTAL Your input values Input Summary Monthly savingsMONTHLY_SAVINGSYears to saveYEARS_OF_SAVING Rate of returnRATE_OF_RETURNTotal contributions over YEARS_OF_SAVING yearsTOTAL_CONTRIBUTIONS Federal tax rateFEDERAL_TAX_RATEState tax rateSTATE_TAX_RATE Proposed Monthly Spending Decreases Entertainment expenses: Eat out lessEAT_OUT_LESSFewer vacationsFEWER_VACTIONS Fewer moviesFEWER_MOVIESOther entertainment savingsOTHER_ENTERTAINMENT Budget expenses: Clip couponsCLIP_COUPONSPay off credit cardsPAYOFF_CREDIT_CARDS Wait to purchase new carWAIT_FOR_NEW_CAROther budget savingsOTHER_BUDGET Utility expenses: Disconnect cable TVDISCONNECT_CABLE_TVEliminate cell phoneELIMINATE_CELL_PHONE Reduce long distance costsREDUCE_LONG_DISTANCEOther utility savingsOTHER_UTILITY Savings balances by year **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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How much life insurance do you need? This comprehensive life insurance calculator includes detailed net worth analysis, budgeting and college savings to help you decide how much life insurance you might need. You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs. EnhancedLifeIns.class 570 129 Comprehensive Life Insurance Analysis

Comprehensive Life Insurance Analysis Comprehensive Life Insurance Analysis Your family may require NEW_INSURANCE_NEEDED in life insurance. **GRAPH**This is based on your total life insurance calculation of LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL with CURRENT_INSURANCE of existing life insurance. This analysis covers NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER years with an inflation rate of INFLATION_RATE per year and ESTATE_TO_PRESERVE preserved in your estate. Your rate earned on savings and investments is calculated at RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS per year. Overview of Insurance Needs Total current value of investments - TOTAL_INVESTMENTS Total value of non-income producing assets - TOTAL_NONINCOME_ASSETS Total current liabilities + TOTAL_LIABILITIES Projected expenses at death + TOTAL_EXPENSES_AT_DEATH Total required children's education fund + CURRENT_SAVINGS Current value of future income of your spouse - TOTAL_VALUE_OF_FUTURE_INCOME Amount required to cover future living expenses + TOTAL_VALUE_OF_FUTURE_EXPENSES Existing life insurance coverage - CURRENT_INSURANCE Estate preservation (amount left after life insurance is depleted) + ESTATE_TO_PRESERVE Additional life insurance required= NEW_INSURANCE_NEEDED Your input details Current Value of Investments Retirement accounts RETIREMENT_ACCOUNTS Stocks STOCKS Bonds BONDS Mutual funds MUTUAL_FUNDS Guaranteed Investment Certificates SAVINGS_BONDS Checking and savings CHECKING_AND_SAVINGS Other investment assets OTHER Total current value of investmentsTOTAL_INVESTMENTS Value of Non-income Producing Assets Residence HOME Cottage COTTAGE Other real-estate OTHER_REAL_ESTATE Automobile AUTOMOBILES Other vehicles OTHER_VEHICLES Jewelry JEWELRY Other personal property HOUSEHOLD_ITEMS Total value of non-income producing assetsTOTAL_NONINCOME_ASSETS Current Liabilities Home mortgage HOME_MORTGAGE_PRINCIPAL Other mortgage OTHER_MORTGAGE_PRINCIPAL Auto loans AUTO_LOANS Student loans STUDENT_LOANS Credit cards CREDIT_CARD_DEBT Bank loans/Line of Credit LINES_OF_CREDIT Other debts OTHER_LOANS Total Current LiabilitiesTOTAL_LIABILITIES Projected Expenses at Death Funeral costsFUNERAL_COSTS Probate costsPROBATE_COSTS Income tax liabilitiesTAX_LIABILITY Charitable bequestsCHARITABLE_BEQUESTS Other expensesOTHER_ATDEATH_EXPENSES Total projected expenses at deathTOTAL_EXPENSES_AT_DEATH Required Children's Education Fund College costs CHILD_ONE_SUMMARY CHILD_TWO_SUMMARY CHILD_THREE_SUMMARY CHILD_FOUR_SUMMARY MSG_COLLEGE_DISCLAIMER Children's education savings required to be invested today at RATE_EARNED_ON_SAVINGS_AND_INVESTMENTSCURRENT_SAVINGS Future Income of Your Spouse Spousal income from workSPOUSE_INCOMEStarts START_SPOUSE_INCOME after death, for DURATION_SPOUSE_INCOME years Surviving spouse's pension incomeSURVIVING_SPOUSE_PENSIONStarts START_SURVIVING_SPOUSE_PENSION after death, for DURATION_SURVIVING_SPOUSE_PENSION years Pension incomePENSION_INCOMEStarts START_PENSION_INCOME after death, for DURATION_PENSION_INCOME years Rental incomeRENTAL_INCOMEStarts START_RENTAL_INCOME after death, for DURATION_RENTAL_INCOME years Other incomeOTHER_INCOMEStarts START_OTHER_INCOME after death, for DURATION_OTHER_INCOME years Future Living Expenses **MONTHLY_EXPENSES** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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A 401(k) can be one of your best tools for creating a secure retirement. It provides you with two important advantages. First, all contributions and earnings to your 401(k) are tax deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, many employers provide matching contributions to your 401(k) account which can range from 0% to 100% of your contributions. The combined result is a retirement savings plan you cannot afford to pass up. Retire401k.class 400 145 401(k) Savings Calculator

401(k) Savings Calculator 401(k) Savings Calculator Your 401(k) could be worth TOTAL_AT_END_OF_INVESTMENT after YEARS years. **GRAPH**This was calculated with your current contribution of CONTRIBUTE_ANNUAL per year and a current 401(k) balance of STARTING_AMOUNT. Your current plan has you contributing CONTRIBUTE_PERCENT of your annual salary up to the IRS annual maximum of CONTRIBUTE_MAXIMUM. Your 401(k) total also includes an employer match of EMPLOYER_MATCH of your contributions, up to EMPLOYER_MAX of your annual salary. Your current 401(k) plan has your employer contributing EMPLOYER_ANNUAL per year. To receive your employer's maximum match of EMPLOYER_DOLLARS, you should contribute at least EMPLOYER_CALC_MAX of your annual salary to your 401(k). Without your employer's match, your ending 401(k) would be reduced to NOMATCH_AT_END_OF_INVESTMENT. Results Summary Current 401(k) balance STARTING_AMOUNT Years to invest YEARS Annual rate of return RATE_OF_RETURN Annual salary ANNUAL_SALARY Expected annual salary increase SALARY_INCREASE Percent to contribute CONTRIBUTE_PERCENT Your 401(k) contribution* CONTRIBUTE_ANNUAL per year Your employer's 401(k) match EMPLOYER_ANNUAL per yearThis is a EMPLOYER_MATCH employer match up to a maximum of EMPLOYER_MAX of your annual salary. Total you will contribute TOTAL_AMOUNT_YOU_HAVE_PAID_IN Total your employer will contribute TOTAL_AMOUNT_EMPLOYER_PAID_IN Total at age AGE_OF_RETIREMENT TOTAL_AT_END_OF_INVESTMENT Total without employer match NOMATCH_AT_END_OF_INVESTMENT *Your total contribution for one year is based on your annual salary times the percent you contribute. However, your annual contribution is also subject to certain maximum total contributions per year. The annual maximum for 2009 is $16,500. Beginning at age 50 and higher, a 'catch-up' provision allows you to contribute an additional $5,500 into your 401(k) account. It is also important to note that employer contributions do not affect an employee's maximum annual contribution limit. 401(k) Balance by Year **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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The Student Loan Consolidation and Debt Payoff Calculator applies two simple principles to paying off high-interest debt. StudentRolldown.class 500 148 Student Loan Consolidation and Debt Payoff

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Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. A rebate will reduce your auto loan balance, while low interest financing lowers your monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing. AutoRebate.class 400 130 Auto Rebate vs. Low Interest Financing

Auto Rebate vs. Low Interest Financing Auto Rebate vs. Low Interest Financing MSG_RESULTSChoosing the manufacturer rebate of MANUFACTURER_REBATE1 results in a loan of LOAN_AMOUNT1 with a monthly payment of MONTHLY_PAYMENT1. A low interest incentive loan at INTEREST_RATE2 results in a loan of LOAN_AMOUNT2 with a monthly payment of MONTHLY_PAYMENT2. The total of all of your payments** would be TOTAL_OF_PAYMENTS1 for the manufacturer rebate option and TOTAL_OF_PAYMENTS2 for the low interest incentive option.**GRAPH** ?INTEREST_RATE2 Low InterestFinancingMANUFACTURER_REBATE1 Manufacturer Rebate Interest rate:INTEREST_RATE2INTEREST_RATE1 Term in months:TERMTERM Total purchase price (before tax):AUTO_SALE_PRICE AUTO_SALE_PRICE Manufacturer rebate:MANUFACTURER_REBATE2MANUFACTURER_REBATE1 Price after rebate:AUTO_AFREBATE_PRICE2AUTO_AFREBATE_PRICE1 Sales tax*:SALES_TAX2SALES_TAX1 ?*MSG_CHECK_TAX_LESS_TRADE Currently California, the District of Columbia, Hawaii, Maryland and Michigan allow no deductions for trade-ins when calculating sales tax. If you live in one of these states make sure to check the box 'No sales tax deduction for trade-in' on the main calculator page. Total sales price (after tax):TOTAL_SALE_PRICE2TOTAL_SALE_PRICE1 Total down payment**:TOTAL_DOWN2 TOTAL_DOWN1 ?**Your total down payment is calculated as your cash down payment of CASH_DOWN plus your trade-in allowance of TRADE_ALLOWANCE minus the AMOUNT_OWED_ON_TRADE loan balance outstanding on your trade-in vehicle. Loan amount:LOAN_AMOUNT2LOAN_AMOUNT1 Monthly payment:MONTHLY_PAYMENT2MONTHLY_PAYMENT1 Total payments***:TOTAL_OF_PAYMENTS2TOTAL_OF_PAYMENTS1 Total interest paid***:INTEREST_PAID2INTEREST_PAID1 ?***This assumes that you do not refinance your loan and that all payments are made on time with no prepayments of the loan. Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Contributing to a Variable Annuity creates long term tax deferred growth. Use this calculator to see how a Variable Annuity might fit into your retirement plan. Annuity.class 380 131 Variable Annuity Calculator

Variable Annuity Calculator Variable Annuity Results Your Variable Annuity could be worth ANNUITY_TOTAL_AF_CHARGE at retirement.**GRAPH2** According to your inputs, your Variable Annuity could be worth ANNUITY_TOTAL_BF_TAX at retirement. SURRENDER_INFO If, at that time, you withdrew the entire amount, the balance after taxes would be ANNUITY_TOTAL_AF_TAX. If you had put this savings into a taxable account it would be worth TOTAL_TAXABLE at retirement. It is important to note that you only pay taxes on the amount you withdraw, the remaining balance will still earn interest that is tax deferred. Very few people need to withdraw the entire balance in one lump sum. By making withdrawals gradually, or by making use of certain loan provisions available to many annuities, you can further increase the value of this tax deferred investment. Variable Annuity Results Total contributionsTOTAL_CONTRIBUTIONS Annuity total before taxesANNUITY_TOTAL_BF_TAX Surrender chargesANNUITY_CHARGE ( ANNUITY_PERCENT_CHARGE ) Annuity total after surrender chargesANNUITY_TOTAL_AF_CHARGE Annuity total after taxesANNUITY_TOTAL_AF_TAX Total if this were a taxable accountTOTAL_TAXABLE **GRAPH** How is this different than an IRA?A Variable Annuity is an investment product designed to provide long term, tax deferred savings. Over a period of years, a Variable Annuity can create sizable tax savings. In this respect an annuity is very similar to an IRA. With a Variable Annuity you do not receive a tax deduction on the money you deposit, but you don't pay taxes on any interest earned until you begin making withdrawals. This is similar to making non-deductible contributions to a traditional IRA. This is considerably less attractive than contributing to a Roth IRA. Unlike IRAs (both Roth IRAs and traditional IRAs) there are no annual contribution limits or income limits. Generally speaking, it is usually to your advantage to maximize your IRA contributions before you contribute to a Variable Annuity. Your input values Input Summary Starting balanceSTARTING_BALANCE Annual contributionANNUAL_CONTRIBUTION Current ageCURRENT_AGE Years until retirementYEARS_UNTIL_RETIREMENT Age of retirementAGE_OF_RETIREMENT Expected rate of returnRATE_OF_RETURN Current tax rateCURRENT_TAX_RATE Retirement tax rateRETIREMENT_TAX_RATE Variable Annuity balances by year **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Low, promotional interest rates can save you a great deal of money when you finance your car or truck. Not only are your monthly payments lower, but your total interest payments can be significantly less. This calculator is designed to allow you to compare three different auto financing options. Use it to help find the best monthly payment and how much interest you could save. AutoLowInterest.class 400 133 Low Interest Financing Savings

Low Interest Financing Savings Low Interest Financing Savings MSG_TITLE**GRAPH**SAVINGS_MESSAGE_TOTAL This is SAVINGS_PER_MONTH per month. This assumes that you finance BALANCE_AFTER_CASHDOWN at an interest rate of BEST_RATE vs. an interest rate of WORST_RATE. MSG_TITLE ? Option 1 Option 2 Option 3 Interest rate (APR) INTEREST_RATE_APR1 INTEREST_RATE_APR2 INTEREST_RATE_APR3 Payment PAYMENT1 PAYMENT2 PAYMENT3 MSG_LEGENDTOTAL_PAID1TOTAL_PAID2TOTAL_PAID3 Input Summary Input Summary Balance to finance BALANCE_TO_FINANCE Down payment (cash+trade-in) DOWN_PAYMENT Balance to finance after down payment BALANCE_AFTER_CASHDOWN Term in months TERM_IN_MONTHS RESIDUAL_FOR_LEASE Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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An immediate annuity is a product sold by insurance companies that is designed to provide you with an income stream for life. The income, by definition, is designed to start immediately - although some immediate annuities allow you to defer payments for up to one year. It is very important to remember that once you setup an immediate annuity, you no longer control the money you put in it. Likewise, while the income stream is guaranteed for your lifetime, an untimely death will not result in any money being returned to your estate. This calculator is designed to help you estimate your monthly payments from an immediate annuity. ImmediateAnnuity.class 400 135 Immediate Annuity Calculator

Immediate Annuity Calculator Immediate Annuity Calculator STARTING_AMOUNT provides ADDITIONAL_WITHDRAWALS WITHDRAW_FREQUENCY. **GRAPH**After MSG_DEPLETE_YEARS you will have received and estimated TOTAL_AMOUNT_YOU_HAVE_WITHDRAWN in payments. This assumes you invest STARTING_AMOUNT with an annual rate of return of RATE_OF_RETURN and have a remaining lifespan of MSG_DEPLETE_YEARS. DELAY_START_ONE_YEAR. Results Summary Amount to invest STARTING_AMOUNT Your life expectancy MSG_DEPLETE_YEARS Annuity payments* ADDITIONAL_WITHDRAWALS WITHDRAW_FREQUENCY Payment schedule DELAY_START_ONE_YEAR Annual rate of return RATE_OF_RETURN Total distributions after YEARS years TOTAL_AMOUNT_YOU_HAVE_WITHDRAWN *This calculator assumes that payments occur at the beginning of each period. Cumulative Payments by Year **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars. This calculator helps show you how much postponing your savings plan can really cost. WaitCost.class 400 139 Don't Delay Your Savings!

Don't Delay Your Savings! Don't Delay Your Savings! Postponing your savings YEARS_TO_WAIT MSG_YEARS_TO_WAIT could cost you COST_OF_WAITING.If you start your savings plan now you could have START_NOW in savings after YEARS MSG_YEARS. Postponing YEARS_TO_WAIT MSG_YEARS_TO_WAIT would give you START_LATER. To get the same savings balance with a YEARS_TO_WAIT year delay, you would need to save REQUIRED_CONTRIBUTION DEPOSIT_FREQUENCY instead of ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY.**GRAPH** Results Summary ? Start Now Start Later Starting amount STARTING_AMOUNT STARTING_AMOUNT Savings plan Save ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY for YEARS MSG_YEARS. Postpone saving for YEARS_TO_WAIT MSG_YEARS_TO_WAIT then save ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY for YEARS_REMAINING MSG_YEARS_REMAINING. Rate of return RATE_OF_RETURN RATE_OF_RETURN Ending balances START_NOW START_LATER Cost of waiting COST_OF_WAITING ? Savings balances by year **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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This calculator shows you possible savings by using an accelerated bi-weekly mortgage payment. Bi-weekly payments accelerate your mortgage payoff by paying 1/2 of your normal monthly payment every two weeks. By the end of each year, you will have paid the equivalent of 13 monthly payments instead of 12. This simple technique can shave years off your mortgage and save you thousands of dollars in interest. Click on the "View Report" button to see your savings! Biweekly.class 400 140 Bi-weekly Payment Calculator

Bi-weekly Payment Calculator Bi-weekly Mortgage Calculator Using PAYMENT_TYPE1 payments repay your mortgage in LOAN_TERM1. Using PAYMENT_TYPE1 payments also reduces your total interest payments from INTEREST_PAID0 to INTEREST_PAID1. This is a total interest savings of INTEREST_SAVINGS.**GRAPH** ? Accelerated Payments Monthly Payments Mortgage amount LOAN_AMOUNT1 LOAN_AMOUNT0 Interest rate INTEREST_RATE1 INTEREST_RATE0 Payment LOAN_PAYMENT1 LOAN_PAYMENT0 Years to repay LOAN_TERM1 LOAN_TERM0 Total interest INTEREST_PAID1 INTEREST_PAID0 Interest savings INTEREST_SAVINGS ? Mortgage payoff schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Use this calculator to help you determine your monthly auto loan payment or your auto purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the "View Report" button. AutoLoan.class 400 141 Auto Loans

Auto Loans Auto Financing Results Your auto financing of LOAN_AMOUNT has a monthly payment of MONTHLY_PAYMENT.This is for LOAN_AMOUNT in auto financing at INTEREST_RATE for TERM months. The total for all of your payments** would be TOTAL_OF_PAYMENTS.**GRAPH** Auto Financing Summary Interest rate:INTEREST_RATE Term in months:TERM Total purchase price (before tax):AUTO_SALE_PRICE Taxable fees:TAXABLE_FEES Sales tax*:SALES_TAX ?*MSG_CHECK_TAX_LESS_TRADE Currently California, the District of Columbia, Hawaii, Maryland and Michigan allow no deductions for trade-ins when calculating sales tax. If you live in one of these states make sure to check the box 'No sales tax deduction for trade-in' on the main calculator page. Non-taxable fees:NONTAX_FEES Total sales price (after tax):TOTAL_SALE_PRICE Total down payment**:TOTAL_DOWN ?**Your total down payment is calculated as your rebates and cash down payment of CASH_DOWN plus your trade-in allowance of TRADE_ALLOWANCE minus the AMOUNT_OWED_ON_TRADE balance outstanding on your trade-in vehicle. Amount financed:LOAN_AMOUNT Monthly payment:MONTHLY_PAYMENT Total payments***:TOTAL_OF_PAYMENTS Total interest paid***:INTEREST_PAID ?***This assumes that you do not refinance and that all payments are made on time with no prepayments. Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy! This calculator can also show you how deposits at the start of each month, compared to the end of the month, can impact your savings balance. CompareSavings.class 400 143 Compare Savings Rates

Compare Savings Rates Compare Savings Rates A rate of HIGH_RATE earns DIFFERENCE more over YEARS than LOW_RATE. **GRAPH**Your total savings balance would be TOTAL_HIGH_AMOUNT if you save ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY for YEARS, making deposits at the PAYMENT_TYPE of each period. This includes a starting balance of STARTING_AMOUNT and a HIGH_RATE annual rate of return. Results Summary ? Rate 1Rate 2Rate 3 Starting amount STARTING_AMOUNT STARTING_AMOUNT STARTING_AMOUNT Number of years to save YEARS YEARS YEARS Additional contributions ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY, at the PAYMENT_TYPE of each period ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY, at the PAYMENT_TYPE of each period ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY, at the PAYMENT_TYPE of each period Rate of return RATE_OF_RETURN1 COMPOUND_INTEREST RATE_OF_RETURN2 COMPOUND_INTEREST RATE_OF_RETURN3 COMPOUND_INTEREST Total amount you will have contributed TOTAL_AMOUNT_YOU_HAVE_PAID_IN1 TOTAL_AMOUNT_YOU_HAVE_PAID_IN2 TOTAL_AMOUNT_YOU_HAVE_PAID_IN3 Total at end of investment TOTAL_AT_END_OF_INVESTMENT1TOTAL_AT_END_OF_INVESTMENT2TOTAL_AT_END_OF_INVESTMENT3 Savings Balance by Year **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD). Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance. Click on the "View Report" button to see a detailed schedule of your CD's balance and interest earned. CertDeposit.class 400 150 Certificate of Deposit Calculator

Certificate of Deposit Calculator Certificate of Deposit Calculator After TIME_LABEL earning RATE_OF_RETURN COMPOUND_INTEREST, your CD is worth TOTAL_AT_END_OF_INVESTMENT. **GRAPH** Results Summary Initial deposit STARTING_AMOUNT Length of CD TIME_LABEL (MONTHS months) Interest rate RATE_OF_RETURN COMPOUND_INTEREST Total annual yield TOTAL_YIELD Annual Percentage Yield (APY) APY_RATE Ending balance TOTAL_AT_END_OF_INVESTMENT Certificate of Deposit Balances **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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The value of your savings can be affected by both taxes and inflation. Use this calculator to determine how much your savings will be worth with this in mind. Click the "View Report" button to get more information and a year-by-year savings schedule. SavingsVariables.class 380 153 Savings, Taxes, and Inflation

Savings, Taxes, and Inflation Savings, Taxes, and Inflation After YEARS_TO_SAVE years you will have accumulated AMOUNT_SAVED_BTI.**GRAPH**After YEARS_TO_SAVE years you will have accumulated AMOUNT_SAVED_BTI before taking taxes and inflation into account. Inflation and taxes would reduce the value of your savings by AMOUNT_REDUCED_BY_TAXES_AND_INFLATION over those YEARS_TO_SAVE years. This leaves you with AMOUNT_SAVED_AFTI. Results Summary Savings Results Summary Amount currently saved:AMT_CURRENT Amount to save per month:AMT_SAVE_MONTH Years to save:YEARS_TO_SAVE Annual rate of return:ROR_INVEST Federal tax rate:FED_TAX_RATE State tax rate:STATE_TAX_RATE Inflation rate:INFLATION_RATE Total savings after YEARS_TO_SAVE years:AMOUNT_SAVED_BTI Savings after taxes:AMOUNT_SAVED_AFT Savings after inflation and taxes:AMOUNT_SAVED_AFTI Savings results by year **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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One of the most common causes of income loss is through a disability. While most disabilities cause only temporary loss of income, any income loss can be devastating if you are not financially prepared. This calculator helps you determine how much disability insurance you may need to cover expenses during such a disability. Disability.class 380 154 Disability Insurance

Disability Insurance Disability Insurance Needs SHORT_MESSAGE**GRAPH**LONG_MESSAGE Results Summary Net income MONTHLY_INCOME per month Current expenses MONTHLY_EXPENSES per month Expenses during disability MONTHLY_DISABILITY_EXPENSES per month Disability expenses after ANNUAL_INFLATION annual inflation INFLATION_DISABILITY_EXPENSES per month after LENGTH_OF_DISABILITY months. Length of disability LENGTH_OF_DISABILITY months Current coverage CURRENT_MONTHLY_COVERAGE per month Length of current coverage LENGTH_OF_CURRENT_COVERAGE months Monthly expenses and Insurance coverage **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This can include people suffering from a debilitating illness or chronic injury. The need for long term care can arise unexpectedly, often creating a large financial burden. This calculator can help you determine if you are financially prepared for this impending expense. LongtermCare.class 400 155 Long Term Care Calculator

Long Term Care Calculator Long Term Care Annual long term care is estimated at ESTIMATED_ANNUAL_COST.**GRAPH**Long term care is needed by those who can't perform the basic tasks required to take care of themselves. At ESTIMATED_DAILY_COST per day, your annual long term care costs are estimated at ESTIMATED_ANNUAL_COST. If you continue to require long term care for YEARS_OF_CARE years, your total cost is estimated at ESTIMATED_TOTAL_NEED. Results Summary Estimated daily cost ESTIMATED_DAILY_COST Years of care YEARS_OF_CARE Inflation rate INFLATION_RATE Funds currently available FUNDS_CURRENTLY_AVAILABLE Estimated annual cost ESTIMATED_ANNUAL_COST Estimated total need ESTIMATED_TOTAL_NEED Unprotected need UNPROTECTED_NEED Estimated Annual Costs **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Use this calculator to look at a variety of possible loans. Use the slider controls to change your monthly payment, loan amount, interest rate or term. Press the "View Report" button to see a complete amortization schedule, either by month or by year. EnhancedLoan.class 360 157 Enhanced Loan Calculator

Enhanced Loan Calculator Enhanced Loan Calculator Results Your payment is NEW_LOAN_PAYMENT for a NEW_LOAN_BALANCE loan.**GRAPH**Your NEW_LOAN_BALANCE loan has a payment of NEW_LOAN_PAYMENT per month for NEW_LOAN_MONTHS months. If you make all of your payments on this loan, and do not prepay any of the principal, the total interest for this loan is INTEREST_NEW. Summary Monthly paymentNEW_LOAN_PAYMENT Loan amountNEW_LOAN_BALANCE Interest rateNEW_LOAN_RATE TermNEW_LOAN_MONTHS months Total interest INTEREST_NEW Payment schedule **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Your net worth is the value of all of your assets, minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. If you owe more than you own, you have a negative net worth. If you own more than you owe you will have a positive net worth. This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years. NetWorth.class 400 158 Net Worth

Net Worth Net Worth Your current net worth is NET_WORTH.You have total assets of TOTAL_ASSETS and total liabilities of TOTAL_LIABILITIES based on the information you supplied. This makes your total net worth NET_WORTH. If your assets were to grow at an annual rate of ASSET_GROWTH and your liabilities change at an annual rate of DEBT_GROWTH, you would have a net worth of FINAL_NET_WORTH after YEARS_TO_PROJECT years. **GRAPH** AssetsLiabilities Home HOME Home mortgage principal HOME_MORTGAGE_PRINCIPAL Other real-estate OTHER_REAL_ESTATE Other mortgage principal OTHER_MORTGAGE_PRINCIPAL Automobiles AUTOMOBILES Auto loans AUTO_LOANS Other vehicles OTHER_VEHICLES Student loans STUDENT_LOANS Jewelry JEWELRY Other loans OTHER_LOANS Household items HOUSEHOLD_ITEMS Credit card debt CREDIT_CARD_DEBT Checking and savings CHECKING_AND_SAVINGS ? ? Retirement accounts RETIREMENT_ACCOUNTS ? ? Savings bonds SAVINGS_BONDS ? ? Bonds BONDS ? ? Mutual funds MUTUAL_FUNDS ? ? Stocks STOCKS ? ? Cash value of life insurance LIFE_INSURANCE ? ? Cash CASH ? ? Other OTHER ? ? Total assets TOTAL_ASSETS Total liabilities TOTAL_LIABILITIES Projected net worth( ASSET_GROWTH Annual Asset Growth, DEBT_GROWTH Annual Liability Growth) **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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What will it take to help reach your savings goals? This financial calculator helps you find out. Enter in your savings plan and view graphically your financial results. Click the report button to get more information about your plan, and what you can do to make sure that it is on track. Savings.class 380 160 Savings Goals

Savings Goals YOU_MADE_IT Saving RQD_SAVE_MONTH SAVING_FREQUENCY_LOWER may total AMT_TARGET in YEARS_TO_SAVE years.**GRAPH**YOU_MADE_IT Based on the information you supplied your current savings plan may be able to reach savings goal of AMT_TARGET in FRACTION_YEARS_TO_TARGET years. Adjusted for INFLATION_RATE inflation, AMT_TARGET would be worth NPV_TARGET after YEARS_TO_SAVE years in today's dollars. CHANGE_MSG Your Input Values Input Values Savings goal AMT_TARGET Years to save YEARS_TO_SAVE Amount currently saved AMT_CURRENT SAVING_FREQUENCY savings AMT_SAVE_MONTH Expected rate of return ROR_INVEST Inflation rate INFLATION_RATE Savings Results by Year **REPEATING GROUP** Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Determining which loan provides you with the best value involves more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees and other costs associated with getting a new loan. By comparing these important variables side by side, this calculator can help you pick the loan that works best for you. Click on the "View Report" button to see the results in detail. CompareLoan.class 400 162 Loan Comparison Calculator

Loan Comparison Calculator Loan Comparison Calculator TITLE_MESSAGEMSG_LOANBEST_LOAN_BY_APR provides the lowest Annual Percentage Rate at BEST_LOAN_APR. The lowest monthly payment is provided by MSG_LOANBEST_LOAN_BY_PAYMENT at BEST_LOAN_PAYMENT per month. **GRAPH** Results Summary ? MSG_LOAN1 MSG_LOAN2 MSG_LOAN3 Loan amount LOAN_AMOUNT0 LOAN_AMOUNT1 LOAN_AMOUNT2 Loan term LOAN_TERM0 LOAN_TERM1 LOAN_TERM2 Monthly loan payment MONTHLY_LOAN_PAYMENT0 MONTHLY_LOAN_PAYMENT1 MONTHLY_LOAN_PAYMENT2 Annual percentage rate (APR) ANNUAL_PERCENTAGE_RATE0 ANNUAL_PERCENTAGE_RATE1 ANNUAL_PERCENTAGE_RATE2 ADDITIONAL_OUTPUT Your input values ? MSG_LOAN1 MSG_LOAN2 MSG_LOAN3 Loan amount LOAN_AMOUNT0 LOAN_AMOUNT1 LOAN_AMOUNT2 Interest rate INTEREST_RATE0 INTEREST_RATE1 INTEREST_RATE2 Loan term LOAN_TERM0 LOAN_TERM1 LOAN_TERM2 Amortization AMORTIZATION0 AMORTIZATION1 AMORTIZATION2 Origination fee ORIGINATION_FEE0 ORIGINATION_FEE1 ORIGINATION_FEE2 Commitment fee COMMITMENT_FEE0 COMMITMENT_FEE1 COMMITMENT_FEE2 Other fees OTHER_FEES0 OTHER_FEES1 OTHER_FEES2 Other costs OTHER_COSTS0 OTHER_COSTS1 OTHER_COSTS2 Total closing costs CLOSING_COSTS0 CLOSING_COSTS1 CLOSING_COSTS2 Balloon payment BALLOON_PAYMENT0 BALLOON_PAYMENT1 BALLOON_PAYMENT2 Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click the "View Report" button to compare your budget breakdown to our targets, which can help identify areas for improvement. HomeBudget.class 400 164 Home Budget Analysis

Home Budget Analysis Home Budget Analysis **GRAPH** Your net monthly income is NET_MONTHLY_INCOME ?YouYour Spouse Your incomeYOUR_INCOME INCOME_PAID_TEXTSPOUSE_INCOME SPOUSE_PAID_TEXT ??????Federal tax withholdingFEDERAL_TAX_WITHHOLDINGSPOUSE_FEDERAL_TAX_WITHHOLDING ??????State tax withholdingSTATE_TAX_WITHHOLDINGSPOUSE_STATE_TAX_WITHHOLDING ??????Local tax withholdingLOCAL_TAX_WITHHOLDINGSPOUSE_LOCAL_TAX_WITHHOLDING ??????Other taxes and withholdingsOTHER_TAXES_AND_WITHHOLDINGSSPOUSE_OTHER_TAXES_AND_WITHHOLDINGS ??????F I C AFICASPOUSE_FICA ??????MedicareMEDICARESPOUSE_MEDICARE ??????Insurance and benefitsINSURANCE_AND_BENEFITSSPOUSE_INSURANCE_AND_BENEFITS ??????Company retirement savings planCOMPANY_SAVINGS_PLANSPOUSE_COMPANY_SAVINGS_PLAN Net CheckNET_CHECKSPOUSE_NET_CHECK Other incomeOTHER_INCOME OTHER_INCOME_PAID_TEXT? Your total monthly expense is TOTAL_EXPENSES ? Your Payments Target Payments Difference ? % Amount % Amount ? ? Monthly House Expenses ??????House paymentPERCENT_HOUSE_PAYMENT YOUR_HOUSE_PAYMENT TARGET_HOUSE_PAYMENTTARGET_AMOUNT_HOUSE_PAYMENT DIFFERENCE_HOUSE_PAYMENT ??????Home maintenancePERCENT_HOME_MAINTAINCE YOUR_HOME_MAINTAINCE TARGET_HOME_MAINTAINCETARGET_AMOUNT_HOME_MAINTAINCE DIFFERENCE_HOME_MAINTAINCE ? Auto paymentPERCENT_AUTO_PAYMENT YOUR_AUTO_PAYMENT TARGET_AUTO_PAYMENTTARGET_AMOUNT_AUTO_PAYMENT DIFFERENCE_AUTO_PAYMENT Second auto paymentPERCENT_AUTO_PAYMENT_2 YOUR_AUTO_PAYMENT_2 TARGET_AUTO_PAYMENT_2TARGET_AMOUNT_AUTO_PAYMENT_2 DIFFERENCE_AUTO_PAYMENT_2 Credit card paymentsPERCENT_CREDIT_CARD_PAYMENTS YOUR_CREDIT_CARD_PAYMENTS TARGET_CREDIT_CARD_PAYMENTSTARGET_AMOUNT_CREDIT_CARD_PAYMENTS DIFFERENCE_CREDIT_CARD_PAYMENTS ? Utilities ??????ElectricityPERCENT_ELECTRIC YOUR_ELECTRICTARGET_ELECTRICTARGET_AMOUNT_ELECTRIC DIFFERENCE_ELECTRIC ??????GasPERCENT_GAS YOUR_GASTARGET_GASTARGET_AMOUNT_GAS DIFFERENCE_GAS ??????Sewer and waterPERCENT_SEWER YOUR_SEWERTARGET_SEWERTARGET_AMOUNT_SEWER DIFFERENCE_SEWER ??????CablePERCENT_CABLE YOUR_CABLETARGET_CABLETARGET_AMOUNT_CABLE DIFFERENCE_CABLE ??????TelephonePERCENT_TELEPHONE YOUR_TELEPHONETARGET_TELEPHONETARGET_AMOUNT_TELEPHONE DIFFERENCE_TELEPHONE ??????InternetPERCENT_INTERNET YOUR_INTERNETTARGET_INTERNETTARGET_AMOUNT_INTERNET DIFFERENCE_INTERNET ? FoodPERCENT_FOODYOUR_FOOD TARGET_FOODTARGET_AMOUNT_FOOD DIFFERENCE_FOOD Auto gas and maintenancePERCENT_AUTO YOUR_AUTO_GAS_AND_MAINTENANCE TARGET_AUTOTARGET_AMOUNT_AUTO DIFFERENCE_AUTO General merchandisePERCENT_GENERAL_MERCHANDISE YOUR_GENERAL_MERCHANDISE TARGET_GENERAL_MERCHANDISETARGET_AMOUNT_GENERAL_MERCHANDISE DIFFERENCE_GENERAL_MERCHANDISE DonationsPERCENT_DONATIONS YOUR_DONATIONS TARGET_DONATIONSTARGET_AMOUNT_DONATIONS DIFFERENCE_DONATIONS ? Insurance ??????AutoPERCENT_AUTO_INSURANCE YOUR_AUTO_INSURANCE TARGET_AUTO_INSURANCETARGET_AMOUNT_AUTO_INSURANCE DIFFERENCE_AUTO_INSURANCE ??????LifePERCENT_LIFE YOUR_LIFE TARGET_LIFETARGET_AMOUNT_LIFE DIFFERENCE_LIFE ??????HealthPERCENT_HEALTH YOUR_HEALTH TARGET_HEALTHTARGET_AMOUNT_HEALTH DIFFERENCE_HEALTH ??????HomePERCENT_HOME_INSURANCE YOUR_HOME_INSURANCE TARGET_HOME_INSURANCETARGET_AMOUNT_HOME_INSURANCE DIFFERENCE_HOME_INSURANCE Medical expensesPERCENT_MEDICAL YOUR_MEDICAL TARGET_MEDICALTARGET_AMOUNT_MEDICAL DIFFERENCE_MEDICAL Travel and entertainmentPERCENT_TRAVEL_AND_ENTERTAINMENT YOUR_TRAVEL_AND_ENTERTAINMENT TARGET_TRAVEL_AND_ENTERTAINMENTTARGET_AMOUNT_TRAVEL_AND_ENTERTAINMENT DIFFERENCE_TRAVEL_AND_ENTERTAINMENT Gift expensePERCENT_GIFT_EXPENSE YOUR_GIFT_EXPENSE TARGET_GIFT_EXPENSETARGET_AMOUNT_GIFT_EXPENSE DIFFERENCE_GIFT_EXPENSE Bank service chargesPERCENT_BANK_SERVICE_CHARGE YOUR_BANK_SERVICE_CHARGE TARGET_BANK_SERVICE_CHARGETARGET_AMOUNT_BANK_SERVICE_CHARGE DIFFERENCE_BANK_SERVICE_CHARGE School or daycarePERCENT_SCHOOL_OR_DAYCARE YOUR_SCHOOL_OR_DAYCARE TARGET_SCHOOL_OR_DAYCARETARGET_AMOUNT_SCHOOL_OR_DAYCARE DIFFERENCE_SCHOOL_OR_DAYCARE OtherPERCENT_OTHER YOUR_OTHER TARGET_OTHERTARGET_OTHER DIFFERENCE_OTHER ? Total expensesPERCENT_TOTAL_EXPENSES TOTAL_EXPENSES TARGET_TOTAL_EXPENSESTARGET_AMOUNT_TOTAL_EXPENSES DIFFERENCE_TOTAL_EXPENSES Total available for savingsPERCENT_AMOUNT_ABLE_TO_PUT_INTO_SAVINGS TOTAL_AVAILABLE_FOR_SAVINGS TARGET_SAVINGSTARGET_AMOUNT_SAVINGS DIFFERENCE_SAVINGS Breakdown of your annual gross income of YEARLY_GROSS_INCOME ? % Annual Amount Total taxes PERCENT_TAXES_PAID YEARLY_TAXES Company benefits PERCENT_COMPANY_BENEFITS YEARLY_PAID_FOR_COMPANY_BENEFITS Company retirement savings plan PERCENT_COMPANY_SAVINGS_PLAN YEARLY_PAID_INTO_COMPANY_SAVINGS_PLAN Expenses paid PERCENT_EXPENSES_PAID YEARLY_EXPENSES Available for savings PERCENT_AVAILABLE_FOR_SAVINGS YEARLY_AVAILABLE_FOR_SAVINGS Debt ratio DEBT_RATIO ? Financial Calculators ? 1998-2009 KJE Computer Solutions, LLC Financial Calculators at http://www.dinkytown.net Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Calculators.

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