Personal

Evaluate Your Financial Situation Using the
Debt-to-Income Ratio

Most people have some kind of debt, whether it is in the form of a mortgage, student or auto loans or credit card debt. It’s important to understand that not all debt is bad. Carrying a mortgage, for example, can make perfect financial sense and help you to enjoy the benefits of home ownership [...]

A Principal and Interest Calculator for Monthly Loan Payments

A mortgage, student loan or other debt typically requires the borrower to make monthly payments to the lender that consists of interest and principal. The interest rate is what the lender is charging you for borrowing the money. The interest rate on a mortgage or a student loan is usually much lower than [...]

Using a Present Value Calculator to Plan for Future Expenses

The Stock Research Pro Present Value Per Period Calculator answers the question: “If I need to be able to withdraw a specific amount of money over a number of time periods in the future, how much do I need to deposit today to be able to meet that need?” The calculator simply asks you [...]

A Monthly Budget and Spending Analysis Calculator

Regardless of the current level of debt you have, the key to avoiding taking on more debt is in controlling your spending. The best way to accomplish this is to get a handle on your current spending habits, categorizing the money you spend on all products and services on a monthly basis. Gaining [...]

Developing a Personal Savings Plan
(includes calculator)

There are many reasons why everyone should develop and stick to a savings plan. Unfortunately, survey data suggests that most of us do not have what most experts would consider an adequate level of savings, and no plans for building such an emergency reserve. Personal Finance begins with effective planning to have your [...]

Personal Net Worth Calculator

While many people judge their financial success by their annual income, a better test is in determining how much they have- their personal net worth. Your net worth is a current snapshot of your financial state. It is a single number that represents your financial health and it can be a useful [...]