MARTINDALE'S

CALCULATORS ON-LINE CENTER

PART I: F-H


FINANCE

(Calculators, Applets, Spreadsheets,
and where Applicable includes: Courses, Manuals,
Handbooks, Simulations, Animations, Videos, etc.)


US/Pacific: Friday, February 3, 2012
Sydney, Australia: Saturday, February 4, 2012

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Currently the Calculators On-Line Center contains
over "24,310" Calculators & Spreadsheets,
over "4,110" Courses, Lectures, Manuals, Handbooks,
& "1,000's" of Movies, Videos, Simulations & Animations


FINANCE


Banking ~ Interest ~ Loans ~ Savings/CD's


College ~ Undergraduate ~ Graduate


Mortgages,
Home Refinancing, Real Estate Valuation,
Closing Costs, Mortgage Loans, Housing Starts, etc.


FINANCE - PERSONAL


Credit ~ Credit Cards ~ Estate Taxes ~ Investment & Net Worth


Retirement/Benefits (Annuity, IRA, etc.,) ~ Retirement-Military


Salary/Hourly Wage,
Pay Raise, Paycheck, Scheduling & Cost of Living


Salary & Benefits - Federal Employees

Salary & Benefits - Military & DoD Civilian Employees


Social Security Benefits ~ Trust Funds


TAXES & NET INCOME


Australia ~ Canada ~ Belgium ~ Germany


Ireland ~ Luxembourg ~ South Africa ~ Sweden


Switzerland ~ U.K. ~ U.S.


Calculators On-Line Center, Part I:F-H


Calculators On-Line Center





Finance & Loans



    Banking Calculators


      INTEREST CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS



      PERSONAL LOAN CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        PERSONAL LOAN CALCULATOR - BankSite.com
        Personal Loan Calculator INPUT Values include
          "...The Amount You Would Like To Borrow;
          The Term Needed To Repay Your Loan (Monthly);
          Interest Rate..."
        For more information see BankSite



        PERSONAL LOAN CALCULATOR - Mark Kantowitz, Finanacial Aid
        Loan Payment Calculator
          "...computes an estimate of the size of your monthly loan payments and the annual salary required to manage them without too much financial difficulty. This loan calculator can be used with Federal education loans (Stafford, Perkins and PLUS) and most private student loans..."
        Personal Loan Calculator INPUT Values include
          "...Loan Balance; Interest Rate; Loan Term (Years);
          Minimum Payment; Print payment schedule (Yes or No);..."
        For more information see Calculators or Finanacial Aid





      SAVINGS & CD'S

        COMPETITIVE CD RATES - U.S.

        CD RATES - Bankrate, Inc. VERY VERY EXTENSIVE.
        Compare CDs & Investment Rates Calculator includes
          "...3 Month CD; 6 Month CD; 1 Year CD; 5 Year CD;
          1 Year Jumbo CD; 1 Year Jumbo CD IRA;
          MMA; MMA 10K & MMA Jumbo..."
        For more information see Bankrate



        CD RATES - BanxCorp VERY VERY EXTENSIVE.
        CD Rates Calculator
          "...Three Easy Steps to Get Competitive CD Rates. APY is the effective annual rate of return taking into account the effect of compounding interest. The resultant percentage number assumes that funds will remain in the investment vehicle for a full 365 days. YTM is the rate of return anticipated on a bond if it is held until maturity date..."
        CD Rates Calculator INPUT Values include
          "...State;
          Terms (3 Month CDs, 6 Month CDs, 9 Month CDs, 1 Year CDs, 18 Months CDs, 2 Year CDs, 3 Year CDs, etc.)..."
        CD Locator & CD Calculator OUTPUT Values include
          "...CD Rates (National Average, Regional Average, State Average, etc.)
        For more information see BanxCorp




    College


      UNDERGRADUATE COLLEGE COSTS CALCULATORS & APPLETS

        FINANCIAL AID CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        STUDENT LOANS CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        GI BILL - Department of Veterans Affairs VERY VERY VERY...EXTENSIVE.
        GI Bill
          "...It has been heralded as one of the most significant pieces of legislation ever produced by the federal government—one that impacted the United States socially, economically and politically....The Servicemen’s Readjustment Act of 1944, commonly known as the GI Bill of Rights..."
          Examples of GI Bill Programs include
            The Post-9/11 GI Bill;
            Montgomery GI Bill - Active Duty (MGIB-AD);
            Montgomery GI Bill - Selected Reserve (MGIB-SR);
            Reserve Educational Assistance Program (REAP); etc..."
            Survivors' and Dependents' Educational Assistance Program (DEA); etc..."
        For more information see Department of Veterans Affairs



        FAFSA - Department of Education, U.S. VERY VERY VERY...EXTENSIVE.
        Free Application for Federal Student Aid (FAFSA)
          "...provides students with an early estimate of their eligibility for federal student financial assistance. Students considering furthering their education beyond high school can use this FREE tool to:
            Calculate their eligibility for federal financial aid, including grants;
            Reduce the time it will take to complete the Free Application for Federal Student Aid (FAFSA), the qualifying form for all federal student financial aid..."
        For more information see Student Aid on the Web or the Department of Education



        FINANCIAL AID CALCULATORS - Mark Kantowitz, Finanacial Aid VERY VERY VERY...EXTENSIVE.
        FinAid's
          "...custom calculators can help you figure out how much school will cost, how much you need to save and how much aid you'll need..."
        Financial Aid Calculators include over "30" Calculators including:
          "...College Cost Projector;
          Savings Plan Designer;
          Prepaid Tuition Calculator;
          Savings vs Borrowing Calculator;
          Expected Family Contribution (EFC) and Financial Aid or Streamlined EFC Calculator;
          Income Contingent Repayment Loan Payment Calculator;
          Income Sensitive Repayment Loan Payment Calculator;
          Student Loan Advisor - Undergraduate Students;
          Student Loan Advisor - Master's Students;
          Student Loan Advisor - Doctoral Students;
          Stafford vs. PLUS Comparison Chart;
          Loan Analyzer;
          Economic Hardship Deferment Calculator;
          Student Budget Calculator; etc..."
        For more information see Finanacial Aid



        FINANCIAL AID CALCULATORS - The College Board VERY VERY EXTENSIVE.
        Financial Aid Calculators include:
          "...Expected Family Contribution (EFC) Calculator;
          College Cost Calculator;
          College Savings Calculator;
          Student Loan Calculator;
          Parent Debt Calculator;
          Parent Loan Repayment Calculator; etc..."
        For more information see Paying for College or the The College Board



        FINANCIAL AID FOR STUDENTS INTERACTIVE CALCULATORS - Department of Education, U.S. VERY EXTENSIVE. For more information see Direct Loans or the Department of Education

          Examples of Calculators include

            Budget Calculator
            Budget Calculator
              "...will help you determine your expenses and estimate your total available income. You will need to consider all of your resources and the total cost of your education. The budget calculator lists most of the important expenses and resources: tuition, books, and scholarships,..."

            Standard, Extended, and Graduated Repayment Calculator
            Standard, Extended, and Graduated Repayment Calculator INPUT Values include
              "...Loan Type (Direct Stafford or Direct Plus);
              Loan Amount..."





      GRADUATE SCHOOL COSTS CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS





Finance - Personal



    Credit


      CREDIT CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        CREDIT GRADE CALCULATORS & APPLETS

        CREDIT GRADE CALCULATOR - HSH Associates
        Credit Grade Calculator
          "...will "score" your credit using the number of late payments you have on various credit accounts. This isn't a true "credit score," but will give you a pretty good idea of how you'd fare..."
        Credet Grade Calculator INPUT Values include
          "...Mortgage/Home Equity Loan Number of Late Payments;
          Installment Loans/Revolving Credit Number of Late Payments;
          Real Estate Foreclosure; Creditor Judgements Against You; etc..."
        For more information see Calculators or HSH Associates





    Credit Cards


      CREDIT CARD CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS



      CREDIT CARD HIDDEN COSTS CALCULATORS & APPLETS

        CARDCALC WIZARD - ZilchWorks, Centerville, MA
        CardCalc Wizard
          "...will calculate the true hidden costs of using credit cards and making only minimum payments..."
        CardCalc Wizard Calculator INPUT Values include
          "...Interest Rate; Credit Balance; Monthly Payment..."
        For more information see ZilchWorks





    Estate


      ESTATE CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        ESTATE TAX CALCULATORS & APPLETS

        ESTATE TAX CALCULATOR - Dianne Reis
        Estate Tax Calculator
          "...This calculator cannot be used as a substitute for legal advice... The calculator computes federal estate tax, without regard to the federal deduction for state death taxes. The tax due in any given case may be substantially higher or lower than is shown above, and may vary depending on your state of residence..."
        Estate Tax Calculator INPUT Values include
          "...Life insurance proceeds;
          Pension, profit-sharing, IRA, and other retirement assets;
          All other assets; Debts; Charitable bequests..."
        For more information see Wills and Probate





    Investment & Net Worth


      NET WORTH CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        NET WORTH CALCULATOR - Smart Money
        Net Worth Calculator
          "...The idea here is to total up all of your assets (house, car, retirement plan) and subtract your liabilities (credit card debt, mortgage). The result can be used as a baseline about planning for the future. Remember, however, this calculator does not account for any taxes owed on proceeds in an investment portfolio or retirement account..."
        Net Worth Calculator INPUT Values include:
          Assets
            "...Cash: Checking, Savings, CDs, etc.;
            Personal: Home, Car, Jewery, etc.;
            Investments: Stocks, Bonds, etc;
            Retirement: Pension Value, Tax-deferred Accounts..."
          Liabilities
            "...Outstanding Mortgage Loan; Car Loans; Credit Card Debt; etc...."
        For more information see Smart Money





      HOME RATE OF RETURN CALCULATORS & APPLETS







Salary, Scheduling, Hourly Wage,

Pay Raises, Paychecks, Withholding,

Cost of Living, etc.


Australia, India, New Zealand & the U.K.
Salaries based on Job Title, Geographic Location,
Base Salary Range, etc.


Real Hourly Wage
(Opps! Did you forget to include your
time to get ready for work, your commute time, etc.)


U.S. Payroll & Paycheck
(What is your net income after taxes)

Determine your U.S. Federal Withholding Tax


Pay Raise by Percentage, Dollars/Cents or New Rate


Convert between Hourly, Weekly, Monthly & Annually Salary


U.S. Occupational Outlook Handbook
(Occupation, Working Conditions, Training,
Qualifications, and Advancement,
Job Outlook, Earnings, etc.)


U.S. & Canada Non-Profit Compensation


U.S. & Canada Salaries based on
Job Title, Geographic Location,
Base Salary Range, Cost of Living, etc.


U.S. Salary Comparison
(Compare your job salary between different parts of the Country)


U.S. & Canada Salary Potential
(What will your job pay you in the furture or will it become obsolete)



    Salary, Scheduling, Hourly Wage, Pay Raises,
      Paychecks, Withholding, Cost of Living, etc.

      AUSTRALIA, INDIA, NEW ZEALAND & THE U.K. SALARY CALCULATORS & APPLETS

        AUSTRALIA SALARY CALCULATORS & APPLETS

        AUSTRALIA SALARY CALCULATOR - PayScale, Inc. VERY VERY VERY...EXTENSIVE.
        Australia Salary Calculator
          "...takes multiple key variables into consideration--your level of experience, location, type of organization, special skills, size of organization--so that we can provide you with salary information that is highly personalized and relevant..."
        For more information see PayScale



        INDIA SALARY CALCULATORS & APPLETS

        INDIA SALARY CALCULATOR - PayScale, Inc. VERY VERY VERY...EXTENSIVE.
        India Salary Calculator
          "...takes multiple key variables into consideration--your level of experience, location, type of organization, special skills, size of organization--so that we can provide you with salary information that is highly personalized and relevant..."
        For more information see PayScale



        NEW ZEALAND SALARY CALCULATORS & APPLETS

        NEW ZEALAND SALARY CALCULATOR - PayScale, Inc. VERY VERY VERY...EXTENSIVE.
        New Zealand Salary Calculator
          "...takes multiple key variables into consideration--your level of experience, location, type of organization, special skills, size of organization--so that we can provide you with salary information that is highly personalized and relevant..."
        For more information see PayScale



        U.K. SALARY CALCULATORS & APPLETS

        U.K. SALARY CALCULATOR - PayScale, Inc. VERY VERY VERY...EXTENSIVE.
        U.K. Salary Calculator
          "...takes multiple key variables into consideration--your level of experience, location, type of organization, special skills, size of organization--so that we can provide you with salary information that is highly personalized and relevant..."
        For more information see PayScale



        U.K. SALARY CALCULATORS - thesalarycalculator.co.uk VERY VERY EXTENSIVE.
        Salary Calculators include:
        Salary Take Home Calculator
          "...Wondering how much difference that pay rise would make? Use the Take-Home Calculator to work out just how much more you will have each month..."
        Hourly Wage Calculator
          "...Don't know what your salary is, just the hourly rate? Let The Hourly Wage Calculator do all the sums for you - see the annual pay, and the monthly, weekly or daily take-home. Discover what a difference a few hours overtime will make..."





      REAL HOURLY WAGE CALCULATOR

        OPPS!, DID YOU FORGET TO INCLUDE YOUR TIME TO GET READY FOR WORK, YOUR COMMUTE TIME, ETC.

        REAL HOURLY WAGE CALCULATOR - D.C. Peterson VERY EXTENSIVE.
        Real Hourly Wage Calculator
          "...will show you how much you're REALLY profiting (after-tax, after work-related-expense takehome) from each hour you devote to working--both paid and unpaid..."
        Real Hourly Wage Calculator INPUT Values include
          Take Home Pay
            "...Your take-home pay per pay period;
            Number of pay periods per year..."
          Time Allocated to Work
            "...Number of workdays per pay period;
            Number of paid workhours per workday;
            Minutes of unpaid breaks per workday;
            Minutes of work-related commute time per workday;
            Minutes spent getting ready for work per workday; etc..."
          Unreimbursed, Work-Related Expenses
            "...Number of work-related miles you drive your own car per workday;
            Other work-related transportation costs per workday;
            Your share of daycare expenses per pay period;
            Unreimburse Work-related Clothing Expenses per month; etc..."
        For more information see JavaScript Calculators or Web Winder Web Services



      U.S. PAYROLL & PAYCHECK CALCULATORS & APPLETS

        WHAT IS YOUR NET INCOME AFTER TAXES

        PAYCHECK - PAYROLL CALCULATORS - PaycheckCity.com, Symmetry Software Corporation, Scottsdale, Arizona VERY VERY EXTENSIVE. For more information see PaycheckCity.com or Symmetry Software Corporation

          Example of Payroll Calculators include

            Paycheck Calculator
            Paycheck Calculator INPUT Values include
              "...State & Check Date;
              General Information
                Gross Pay; Gross Salary YTD; Pay Frequency; Federal Filing Status;
                Number of Federal Allowances; Additional Federal Withholding; etc..."
              State and Local Information for YOUR state;
              Voluntary Deductions; etc..."

            Hourly Paycheck Calculator
            Hourly Paycheck Calculator INPUT Values include
            "...State & Check Date;
            Rates Information;
            General Information
              Gross Pay; Gross Salary YTD; Pay Frequency; Federal Filing Status;
              Number of Federal Allowances; Additional Federal Withholding; etc...."
            State and Local Information for YOUR state;
            Voluntary Deductions; etc..."



        SALARY CALCULATORS USA - thesalarycalculator.co.uk VERY VERY EXTENSIVE.
        Examples of Salary Calculators include
        Salary Take Home Calculator
          "...Trying to work out what that annual gross salary actually means? Let The Take-Home Calculator tell you what it's worth on a monthly, weekly or daily basis...."
        Hourly Wage Calculator
          "...Don't know what your salary is, just the hourly rate? Let The Hourly Wage Calculator do all the sums for you - see the annual pay, and the monthly, weekly or daily take-home..."





      U.S. FEDERAL WITHHOLDING TAX CALCULATORS & APPLETS



      PAY RAISE CALCULATORS & APPLETS

        PAY RAISE BY PERCENTAGE, DOLLAR/CENTS INCREASE OR NEW RATE

        PAY RAISE CALCULATOR - D.A. Karr VERY EXTENSIVE - VERY FAST.
        Pay Raise Calculator INPUT Values include:
          "...Current Pay;
          Pay Period
            Hourly, Weekly, Bi-Weekly, Semi-Monthly, Monthly, Annually;
          Weekly Hours;
          Pay Rase
            Increase in Dollars & Cents, Percentage Increase or New Rate..."
        Pay Raise Calculator OUTPUT Values include
          Present Pay, New Pay and Difference for
            "...Hourly Pay, Weekly Pay, Bi-Weekly Pay, Semi-Monthly Pay, Monthly Pay and Annual Pay..."





      HOURLY, WEEKLY, MONTHLY & ANNUALLY SALARY CONVERSION CALCULATORS & APPLETS


      U.S. OCCUPATIONAL OUTLOOK HANDBOOK

        OCCUPATIONAL OUTLOOK HANDBOOK - Bureau of Labor Statistics, Department of Labor VERY VERY VERY...EXTENSIVE.
        The Occupational Outlook Handbook
          "...is a nationally recognized source of career information, designed to provide valuable assistance to individuals making decisions about their future work lives. The Handbook is revised every two years..."
        Occupational Outlook Handbook Subject Categories for each Occupation include
          "...Nature of the Work; Working Conditions;
          Employment; Training, Other Qualifications and Advancement;
          Job Outlook; Related Occupations; Earnings/Salary; etc..."
        For more information see the Bureau of Labor Statistics





      U.S. & CANADA NON-PROFIT COMPENSATION CALCULATORS



      U.S. & CANADA SALARY CALCULATORS BASED ON JOB TITLE, GEOGRAPHIC LOCATION, COST OF LIVING, ETC.

        COST OF LIVING SALARY COMPARISON CALCULATORS (U.S.)

        COST OF LIVING SALARY COMPARISON CALCULATOR (U.S.) - PayScale, Inc. VERY VERY EXTENSIVE.
        Cost of Living Salary Comparison Calculator
          "...Just enter your salary and job title as well as your current location and the city where you're considering a move. Not only will we show you the cost of living difference, but we'll let you know how much you need to make in the new location to maintain your current standard of living..."
        For more information see PayScale



        SALARY CALCULATORS

        SALARY CALCULATOR (U.S.) - PayScale, Inc. VERY VERY VERY...EXTENSIVE.
        U.S. Salary Calculator
          "...takes multiple key variables into consideration--your level of experience, location, type of organization, special skills, size of organization--so that we can provide you with salary information that is highly personalized and relevant..."
        For Employers see "PayScale Employer Salary Data Reports"
        For more information see PayScale



        CANADA SALARY CALCULATOR - PayScale, Inc. VERY VERY VERY...EXTENSIVE.
        Canadian Salary Calculator
          "...takes multiple key variables into consideration--your level of experience, location, type of organization, special skills, size of organization--so that we can provide you with salary information that is highly personalized and relevant..."
        For more information see PayScale



        SALARY EXPERT (CANADA & U.S.) - Baker, Thomsen Associates Insurance Services, Inc. VERY VERY EXTENSIVE.
        Salary Expert's Salary Calculator is
          "...a free comprehensive salary site offering salary, benefits, and cost-of-living information..."



        SALARY WIZARD (U.S.) - Salary.com, Inc. VERY VERY EXTENSIVE.
        Salary Wizard's Salary Calculator
          "...contains salary information on thousands of job titles. The Salary Wizard calculates salaries based on job title and geographic location..."





      U.S. SALARY COMPARISON CALCULATORS

        COMPARE YOUR JOB SALARY BETWEEN DIFFERENT PARTS OF THE COUNTRY

        COST OF LIVING SALARY COMPARISON CALCULATOR (U.S.) - PayScale, Inc. VERY VERY EXTENSIVE.
        Cost of Living Salary Comparison Calculator
          "...Just enter your salary and job title as well as your current location and the city where you're considering a move. Not only will we show you the cost of living difference, but we'll let you know how much you need to make in the new location to maintain your current standard of living..."
        For more information see PayScale





      U.S. & CANADA SALARY POTENTIAL CALCULATORS






Taxes - Net Income





Calculators On-Line Center, Part I:F-H

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