Financial Calculators

Credit cards

• How important is the interest rate?
• How will rate changes affect my balance?
• Is a lower rate worth an annual fee?
• What will it take to pay off my credit card?
• Should I consolidate my debts?
• Flight cards vs. low rate cards
• Rebate cards vs. low rate cards
• Should I consolidate my credit cards?

Mortgages

• Which loan is better?
• Which lender has the better loan?
• How much will my fixed mortgage payments be?
• How much will my adjustable rate payments be?
• Should I pay points to lower the rate?
• Fixed vs. adjustable-rate loans
• 15 vs. 30-year term loans
• How much can I save in taxes?
• Closing costs calculator
• Are extra mortgage payments worth it?

Refinancing

• Should I refinance my mortgage?
• What will my refinancing costs be?
• Educator: Mortgage Refinancing

New home purchasing

• How much can I borrow?
• How much should I put down on a mortgage?
• Renting vs. buying a home
• How can I reduce mortgage insurance costs?
• What home can I afford?
• How much will my interest-only payments be?
• Interest-only vs. traditional mortgages
• Educator: Home Buying

Home equity loans

• How large a line of credit can I obtain?
• Should I consolidate my loan debts?
• Should I use a home equity loan or an auto loan?
• How much will my loan payments be?
• What will my tax savings be?
• What will it take to pay off my line of credit?

Car buying & leasing

• Compare the costs of a new vs. a used vehicle
• How much will my vehicle depreciate over time?
• Should I lease or finance a vehicle?
• Should I finance or pay cash for a vehicle?
• How much will my vehicle payments be?
• Compare vehicle loans
• What term of vehicle loan to choose?
• Rebate vs. special dealer financing
• Should I keep or sell my vehicle?
• What vehicle price can I afford?
• Educator: Buying a vehicle
• Educator: Paying for a vehicle

College planning

• What will it take to save for college?
• What is the dollar value of higher education?
• Best investments for saving for college
• What are the expenses prior to attending college?
• Should I live on campus, off campus or at home?
• How much should I budget for college living expenses?
• Is a college meal plan worth it?
• Educator: Paying for College
• Educator: Sources of Financial Aid

Budgeting

• How much am I spending?
• Should I pay off my debt or invest in savings?
• How much should I save for emergencies?
• How much does it cost to raise a child?
• How much can I save by reducing spending?
• Should my spouse work too?
• Educator: Retirement Planning
• Educator: Personal Budgeting
• Educator: Estate Planning