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Category List For: Tools

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!” ;-)

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Give up the Latte and get rich 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! Read More…

Mortgage Refinance Calculator

This 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. Read More…

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. Read More…

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).

Instructions:Somewhere in your credit card disclosure statement the card company will tell you something like “your minimum payment will be 2% of the balance or $10, whichever is higher. These are the figures you will enter in Column C and Column D respectively. Read More…