Free online family money calculators.

There are hundreds of websites with free online money calculators, but the vast majority just "rent" usage of them from the vendors below. Paying them rent allows webmasters to put the financial calculators on their site in a manner that makes it look like their site built them (when they really just go to a site like Dinkytown to calculate and display the results). So most financial calculators are the same. For example, FinanceCalc.com just uses VisualCalc.com's investment calculators and MoneyToys uses Wheatworks.

Please keep in mind that Toolsformoney.com didn't make the ones listed below, they're just links to other free online financial calculator websites.

Most calculate the numbers as advertised, but there are so few input fields, that you can't use most of the details that will dramatically alter Real World results. But what do you expect for free? Use these simplistic results at your own peril! If you don't like financial peril, you can always get detailed Real World results by paying a few bucks to use Toolsformoney.com's financial calculators instead.

Time Value of Money and Financial Calculator Terminology

TVM = Time value of money - the basic concepts of what these financial calculators are all about. PV = Present Value (beginning investment values, or how much something is worth today). PMT = Payments (constant contributions or withdrawals, usually added or subtracted to the scenario monthly). I = Compound interest rate (interest rate or growth rate that is applied at each N compounding period). N = Number of compounding periods (how many times the calculations are done that compound money at the given interest rate, usually in months or years. E.g., If you have $100 and you compound, or add, 10% annual interest, then you'd have $110 as a future value over this one compounding period. If N=2, then it would compound twice, and your ending value would be $121, which is $110 plus 10%). FV = Future value (usually the result, or the amount of money accumulated over N compounding periods). P = Principal, or how much money is being lent or borrowed. ARM = Adjustable Rate Mortgage. APR = Annual Percentage Rate.

Page 2 of 10: Family Money Calculators

Basic Financial Calculators

Family Money Calculators

Real Estate Calculators

Debt Calculators

Investment Calculators

Retirement Calculators

Tax Calculators

College Calculators

Insurance Calculators

Business Owner Calculators

Product Information

Menu of Retirement Planning Software

Asset Allocation Overview with Our Historical Returns

Asset Allocation Software

Asset Allocation Models with Our Historical Returns

Our Monthly Updated Mutual Fund Picks

Financial Plan Tools

Family Budgeting Calculator

Financial Planning Fact Finders

Investment Policy Statement Software

Bond Calculators

Investment Software for Comparing 22 Methods of Investing

Buy Term Life Insurance and Invest the Difference in Mutual Funds vs. Whole Life Insurance Calculator

Real Estate Software

Net Worth Calculator

Life Insurance Software

College Planning Software

Financial Planning eBook

Minimum Required Distribution Calculators

About Investment Risk Tolerance

Contents of a New Fee-Based Prospect Binder

Vendors> Functions	Tools For Money This site	CalculatorWeb.com	Dinkytown.net	Financial Calculators.com Same as FinCalc.com Won't work unless you accept their cookies, have your Java turned on, and pop-up blocker turned off. It also won't work the first time because it needs to put a cookie on you computer. So click on another calculator after the first attempt fails, then they should all work.	Interest.com Same as Calculators.interest	Moneytoys.com Same as Wheatworks	VisualCalc.com Same as FinanceCalc All go to a main menu where you have to choose the calculator you want again
Structured payments vs. lump sum: Which is Better: Cash up Front or Payments over Time (e.g., Lottery Winnings)	Yes, but not free yet.	No	No	Input lump sum vs. PMT data, and it calculates and compares the PV of both. Just use the Free Present Value or Future Value calculators on this site.	No	No	No
Basic Financial Calculator for doing Math Functions	No, and no plans to go there.	No	Basic handheld calculator functions (but no financial calculator functions).	No	No	No	No
World time Calculator	No, but you can just go to http://www.time.gov to get the most accurate time.	World time calculator: See what time it currently is, and how many hours difference, around the world.	No	No	No	No	No
Paycheck Calculators	No, and no plans to go there.	No	Net to gross paycheck calculator: Input net paycheck, allowances, taxes, deductions, filing status, withholding, and it calculates the gross amount. Hourly paycheck calculator: Input how many hours you worked at different rates (e.g., overtime), taxes and the usual parameters, and estimate your net paycheck. 16 inputs calculate the net paycheck affect of changing payroll deductions. Similar to the paycheck calculator above.	Converts salary to an hourly wage. We have a better Free wage calculator here - Calculator #11. Converts hourly wages to annual salary. We have a better Free wage calculator here - Calculator #11. 10 inputs calculates the affect on changing payroll deductions. 13 inputs calculates the affect on changing payroll deductions. Calculate after-tax bonus.	No	No	5 inputs calculates how much taxes are saved given various paycheck contributions to qualified plans (Click on "Income withholding calculator")
Cost of Raising a Child Calculator	Yes and free.	No	No	No	No	No	A few inputs calculates the PV of kid expenses (Click on "Cost of raising children calculator") Our free child's cost calculator is better.
Don't Delay Your Savings	Yes way better and free.	No	Compares FVs of two investment plans: Starting now vs. waiting in years. Our Free Financial Calculator #1 does this and way more.	No	No	No	No
Emergency Savings Fund Calculator	Yes the most functional ever, but not free. All they do is tell you to calculate your monthly budget, and then have three to six months work in the bank.	No	Starts by taking a percentage of your family budget, then uses the usual TVM calculator to see how long it will take to save that much. Any of our Free Future Value Calculators will do this, and much more.	Itemizes emergency fund needs then calculates how long what you have now will last. Any of our Free Future Value Calculators will do this, and much more.	No	No	No
Lunch Savings (Future value of reducing expenses)	Yes way better and free.	No	Calculate the Future value of savings of bringing your lunch to work instead of eating out. Any of our Free Future Value Calculators will do this, and much more. Compound interest calculator: Input N, I, tax rates, PMT, and it shows FVs (with slider). Any of our Free Future Value Calculators will do this, and much more.	How much money you'll have (FV) if you forego an expense: Input expense, inflation, N, I, tax bracket, and calculate a FV. Any of our Free Future Value Calculators will do this, and much more. Compound interest calculator: Input six items (expenses to be reduced), I, N, and it calculates all of the savings FVs. Any of our Free Future Value Calculators will do this, and much more.	No	No	No
Checkbook Balancer	No, and no plans to go there.	Checkbook balancer: Input beginning balance, up to 11 checks and 6 deposits, and it calculates your balance.	Checkbook balancer: Input beginning balance, up to 11 checks and 6 deposits, and it calculates your balance.	No	No	No	No
Credit Assessment	No, and no plans to go there.	No	Input how many obligations you have, answer some questions, and it computes a credit score.	No	No	No	No
Home Budgeting	Yes, the most comprehensive ever created, but not free.	Family budget calculator: Input incomes and expense and it calculates surplus or deficit.	Family budget calculator: Input incomes and expense and it calculates surplus or deficit. It has more inputs and a pie chart than the others.	How inflation affects family budgeting: Input expenses, N, and I and it calculates FV (inflated budget amounts). Budget calculator that adds up spending. Budget calculator that adds up spending and compares to incomes. Budget calculator similar to the two above.	No	No	A dozen inputs calculates total expenses by category (Click on "Cash flow calculator")
Net Worth Calculator and Projector	Yes, the most comprehensive ever created, but not free.	Input assets and liabilities, and it calculates a current net worth snapshot.	Input assets and liabilities, and then sliders that control their rate of growth, then it calculates net worth projections.	Input family assets and liabilities and it calculates current net worth snapshot. Input family assets and liabilities and it calculates net worth projections.	No	No	Several inputs calculate standard family net worth snapshots (Click on "Net worth calculator")
Life Expectancy	Yes, free, use the IRS Unisex Tables, so there's only one input.	No	Several inputs calculate life expectancy. The most comprehensive because it takes gender, smoking, drinking, and medical history into account.	Two inputs, gender and age, calculate life expectancy.	No	No	Two inputs, gender and age, calculates life expectancy. Looks to be outdated. (Click on "Life expectancy calculator")
Should the Spouse Work (Compares expenses of working to net income)?	No, and no plans to go there.	No	It adds up the expenses incurred by working, and then compares that to net income.	It adds up the expenses incurred by working, and then compares that to net income.	No	No	No