Credit Card Payment Calculator
This calculator is for those of you who want to pay off your credit card. It assumes you will not charge anything more to it. It's also a good look at what you're actually paying in finance charges - given different scenarios.

Landscape Materials Calculator
Self explanatory. Take a look...

These two calculators deal with how taxes and inflation affect your investment return.

This calculator will tell you what your actual return is after taxes and inflation. Be sure to put in your compounded rate (yield) for the interest rate - and your effective tax rate.
(If you don't understand "effective" tax rate, see my notes from a retirement calculator on taxes.)

Your
Tax Rate
(Federal plus State)
Annual
Inflation
Rate
Annual
Interest
Yield
Real "Real"
Yield
%%%%

This calculator will tell you the absolute minimum yield you need, given your tax rate and the inflation rate, just to break even... Anything less, and you're losing money (buying power). ---Very interesting!---

Your
Tax Rate
(Federal plus State)
Annual
Inflation
Rate
Yield you
need just to
break even!
%%%

These two calculators deal with taxable/tax-deductible equivalent rates.

This calculator will tell you the taxable equivalent yield of a tax-free investment. Keep in mind when entering your tax rate, that your investment may only be tax-free on the Federal level or State level, not both.

Your
Tax Rate
(Federal plus State)
Interest
Yield
(non-taxable)
Taxable
Equivalent
Yield
%%%

This calculator will tell you the real rate of your mortgage - after adjusting for the mortgage interest deduction on your tax return. The calculation already assumes monthly compounding, so just enter the quoted mortgage rate.

Your
Tax Rate
(Federal plus State)
Mortgage
Rate
After Deduction
Equivalent
Rate Paid
%%%





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