Financial Calculators

Bi-Weekly Mortgage Calculator
This calculator will show you how much you will save if you make 1/2 of your mortgage payment every two weeks
instead of making a full mortgage payment once a month. In effect, you will be making one extra mortgage
payment per year--without hardly noticing the additional cash outflow. But, as your about to discover, you will
certainly notice the increased cash flow that will occur when you pay your mortgage off way ahead of schedule!

Car Cost Comparison Calculator
When buying a car most people fail to consider ALL of the expenses that will be generated by their purchase.
And because nearly all car buying scenarios come with different variables (depreciation rates, interest rates,
purchase prices, insurance costs, mpg ratings, etc.), it becomes extremely difficult to compare one buying
scenario with another...until now that is. This calculator will not only help you to forecast the REAL COST of
buying and owning a car, but it will also help you to more accurately compare the real cost of one car buying
scenario with the real cost of a second car buying scenario.

Child Math Tutor
Since addition, subtraction, multiplication and division are skills children need to know in order to become
successful money managers, this interactive tool was created to give children an interesting way to hone those
all-important math skills. If you have children and any of them haven't yet memorized the math factors for their age
group, simply make using this tool part of their required daily homework.

Credit Card Minimum Payment Interest Calculator
This calculator will show you how much interest you will end up paying if you make only the minimum required
payment on your credit card bill. It will also tell you how many minimum payments you will make before your
balance is paid off (up to a maximum of 600 payments).

Debt Investment Calculator
Before you go throwing darts on Wall Street, check to make sure you can't earn a higher rate of return simply by
investing in your own debt! For example, if you have a credit card balance that's costing you 19% per year, and
you increase your payment, you will get a guaranteed 19% return on your investment. What's more, your earnings
will be tax-free! So use this JavaScript Calculator to see how much you could be earning if you increased your
payment on any one of your debts.

Electric Appliance Operating Cost Calculator
This JavaScript calculator will help you to estimate the cost of operating any given electrical appliance, based on
the average KWH (kilowatt hours) used per day, and on the average cost per KWH charged by your electric

Exponential Expression Calculator
This JavaScript Calculator will find the product of an exponential expression (as in x raised to the power of y,
where y is less than 600). It will handle positive and negative exponents and positive and negative bases. And
when the result is too large, it will even display the results in scientific notation.

Future Value Calculator
This calculator will show you the Forgone Interest Earnings that will result after spending a given dollar amount on
a non-appreciating, non-necessary purchase.

Future Value of Periodic Payments Calculator
This calculator will show you how much interest you will earn over a given period of time; at any given interest
rate; based on an initial investment plus a fixed monthly addition. The calculator compounds monthly and
assumes deposits are made at the beginning of each month.

Increase-Your-Wage Calculator
If you work one hour and spend that hour's entire wage on a non-necessary, non-appreciating purchase, you have
effectively limited the value of one hour's wage to its face value. On the other hand, if you were to invest all or part
of the one hour's wage into an interest earning investment, this would serve to increase that hour's wage by an
amount equal to the total interest earned by the investment. In other words, the person who is ultimately
responsible for setting your hourly wage rate is not your boss--it's YOU! The calculator below will calculate the
future value of your hourly wage based on the portion invested, the annual rate of return, and the number of years

Lifetime Savings Calculator
This calculator will show you how much you'll save over the course of your lifetime when permanently switching
from any given high priced buying habit (name brand) to its functional, less expensive equivalent (generic). Plus,
it will also show you how much interest you could earn if you were to invest all or part of those savings as you
realized them. As you're about to see, "a penny saved" can REALLY ADD UP!

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

Miles Per Gallon Calculator
This calculator will compute your car's Miles Per Gallon and forecast your gasoline expense for one month and
for one year. It also allows you to see how much money you would save if you were driving a car that got better
gas mileage.

Money to Time Calculator
This calculator will show you how much time your money is worth. But in order to use this calculator you must first
calculate your Real Hourly Wage.

Mortgage Refinancing Calculator
This JavaScript calculator will help you to decide whether or not you should refinance your current mortgage at a
lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will
also calculate how many months it will take to break even on the
closing costs.

Non-Monthly Payment Calculator
This calculator will convert your non-monthly payments into their monthly equivalents, and then provide you will a
total. This total will represent how much you will need to set aside each month in order to make your non-monthly
payments as they come due. A great budgeting tool!

Real Hourly Wage Calculator
So your boss told you that you were getting paid $10 an hour? Don't believe it! This calculator will show you how
much you're REALLY profiting (after-tax, after work-related-expense take-home) from each hour you devote to
working--both paid and unpaid. But wait! Before you approach your boss with this startling computation, make
sure you see both sides. You know, your boss's "side" and the "outside!" ;-)

Temperature Conversion Calculator
This calculator will convert a Fahrenheit temperature into its Celsius equivalent -- or visa versa.
The user understands calculations derived from this website or any links to financial calculators on other websites should not be construed as investment advice, nor should these
projections substitute for advice from an investment professional. All information herein has been prepared solely for informational purposes, and it is not an offer to buy or sell, or a
solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy. The Money Alert does not make any representations or warranties as to
the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to this web site or incorporated herein, and
takes no responsibility. All such information is provided solely for convenience purposes only. The Money Alert is not affiliated with any of the firms or entities listed unless specifically
stated. The Money Alert does not provide investment, tax or legal advice. Please consult the appropriate professional regarding your personal situation.
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