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, January 16, 2009
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Currently the Calculators On-Line Center contains
over "23,635" Calculators & Spreadsheets,
over "3,475" Courses, Lectures, Manuals, Handbooks,
& "1,000's" of Movies, Videos, Simulations & Animations


FINANCE


Banking ~ Checkbook ~ 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 ~ Unemployment Insurance


TAXES & NET INCOME


Australia ~ Canada ~ Belgium ~ Germany ~ India


Ireland ~ Luxembourg ~ South Africa ~ Sweden


Switzerland ~ U.K. ~ U.S.


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


Calculators On-Line Center





Finance & Loans




    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..."
        GI Bill includes:
          Benefits
            "...Federal Benefits for Veterans and Dependents,
            Montgomery GI Bill - Active Duty (MGIB-AD);
            Montgomery GI Bill - Selected Reserve (MGIB-SR);
            Reserve Educational Assistance Program (REAP); etc..."
          Program reimbursing fees for National Testing;
          Education benefits for Activated Reservist; 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 - collegeboard.com, Inc 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 College Board Organization



        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..."



        COST OF COLLEGE CALCULATOR - Mohawk College, Hamilton, Ontario, Canada
        Cost of College Calculator
          "...Calculates approximate cost for Mohawk College and will generally apply to any Ontario Community College. Mohawk College offers the "web page and javascript code free to other schools (World Wide), who want to adapt it for their own institution..."
        For more information see Mohawk College





      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 incude
          "...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



        ESTATE TAX CALCULATOR - State Farm Mutual Automobile Insurance Company
        Estate Tax Calculator
          "...In order to plan for the disposition of your estate at death, you need to have an idea of what the federal and state death tax is going to be. This calculator will give you an estimate, which is based on our understanding of current federal estate tax law and your input figures..."
        Estate Tax Calculator INPUT Values include
          Assets
            "...Residence; Other Real Estate; Stocks and Bonds;
            Savings, CDs and Checking; Personal Effects; Vehicles and Boats;
            Retirement Plans; etc..."
          Liabilities
            Mortgages and Other Equity Loans; Vehicle, Boat and Other Loan Amounts;
            Charge Accounts and Other Debts..."
        For more information see tate Farm Mutual Automobile Insurance Company





    Investment & Net Worth



    Retirement & Benefits (Annuity, IRA, etc.,)


      RETIREMENT CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        BEST TIME TO TAKE SOCIAL SECURITY BENEFITS


        SOCIAL SECURITY DECISION TOOL (FLASH) - MetLife Multimedia Social Security Decision Tool (Text, Images, Videos/Movies & Audio/Sound). VERY EXTENSIVE.
        Social Security Decision Tool
          "...When’s the best time for you to start Social Security retirement benefits?;
          Does it really pay to wait?;
          What other considerations play a factor?..."
        For more information see Retirement Toolbox or MetLife





      401(k) CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        401(k) SAVINGS CALCULATOR - Bloomberg L.P. VERY EXTENSIVE.
        401(k) Savings Calculator
          "...can be one of your best tools for creating a secure retirement. It provides you with two important advantages. First, all contributions and earnings to your 401(k) are tax deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, many employers provide matching contributions to your 401(k) account which can range from 0% to 100% of your contributions..."
        401(k) Savings Calculator INPUT Values include
          "...Percentage to Contribute;
          Annual Salary; Current Age;
          Age of Retirement;
          Current 401(k) Balance;
          Annual Rate of Return;
          Expected Annual Salary Percentage Increase;
          Employers Percentage Contribution; etc..."
        For more information see Bloomberg





      ANNUITIES CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        ANNUITY CONTRIBUTION CALCULATOR - BankSITE.com
        Annuity Contribution Calculator
          "...Find out how much you need to put away tax deferred to accumulate a certain amount in the future, and how much you could expect to withdraw..."
        Annuity Contribution Calculator INPUT Values include
          "...Beginning Balance of Account; Monthly contribution;
          Years until retirement; Estimated annual pre-retirement yield percentage;
          Estimated annual retirement yield percentage; Estimated annual inflation percentage; etc..."
        For more information see BankSITE.com




      GOVERNMENT EMPLOYEES RETIREMENT CALCULATORS & APPLETS



      IRA CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        ROTH IRA CALCULATOR - Microsoft Corporation
        Roth IRA Calculator
          "...will help you decide whether you should convert your regular IRA into a Roth IRA. It will also tell you whether a Roth or regular IRA is the best choice for making future contributions. In addition, the calculator will compare the projected total value of your regular IRA vs. a Roth and will also show your projected annual income at retirement..."
        For more information see MoneyCentral





      RETIRE EARLY CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS

        FIRECALC (FINANCIAL INDEPENDENCE/RETIRE EARLY CALCULATOR) - J.P. Greaney VERY VERY EXTENSIVE.
        FIRECalc Calculator
          "...applies your selected withdrawal strategy to a hypothetical portfolio every year for a selected number of years, and pits that against the best and the worst times this country has ever seen..."
        Standard FIRECalc Calculator INPUT Values include
          "...How much do you need: Annual Spending & How long do you want the plan to last;
          What do you want to know
            The success rate of your portfolio and withdrawal plans;
            How much you spend each year; or how much you start with..."
        For more information see Retire Early Home Page





      RETIREMENT CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS



    Retirement - Military


      MILITARY PAY, BENEFITS & RETIREMENT CALCULATORS & APPLETS

        MILITARY PAY & BENEFITS: RETIREMENT CALCULATORS - Office of the Secretary of Defense, Department of Defense VERY VERY VERY...EXTENSIVE.
        Military Retirement Calculators
          "...Each retirement calculator estimates retired pay during retirement years. You can personalize the inputs to reflect your expectations about your retirement and economic conditions..."
        Military Retirement Calculators include:
        Final Pay Calculator
          "...estimates your retirement pay flow under the Final Pay retirement system..."
        High-3 Calculator
          "...estimates your retirement pay flow under the High-3 Year Average retirement system..."
        CSB/REDUX Calculator
          "...estimates your retirement pay flow under the CSB/REDUX retirement system..."
        Retirement Choice Calculator: High-3 vs. CSB/REDUX
          "...shows comparative results in the choice of retirement options for selected individuals with specific ranks and years of service that may not match your own circumstances. This calculator gives you the ability to generate similar charts and tables based on your personal situation. In addition to tailoring the results to your expected retirement grade, years of service, and age, you determine the use of..."
        For more information see Retirement or Military Pay & Benefits





      VETERANS CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS






Salary, Scheduling, Hourly Wage,

Pay Raises, Paychecks, Withholding,

Cost of Living, etc.


Scheduling & Days Off
(Schedule your employees throughout the 7-day week
& Find the most common shift rotations)


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.

      SCHEDULING & DAYS OFF

        DAYS OFF CALCULATOR - D. Grant, Slidell, Louisiana VERY VERY EXTENSIVE.
        Days Off Calculator
          "...Use the calculator to schedule your employees throughout the 7-day week. Tell the calculator how many employees you need on each of the 7 days of the week, and it will work out an optimized solution for how many employees can have Saturday and Sunday off, how many can have Sunday and Monday off, etc..."



        FIRESCHED - FIREFIGHTERS SCHEDULING & OTHERS WHO WORK 24-HOUR SHIFTS - D. Grant, Slidell, Louisiana VERY VERY EXTENSIVE.
        FireSched
          "...Firefighters, and others who work 24-hour shifts, can use FireSched to make shift schedule calendars. FireSched works with the most common shift rotations. It does not include every possible rotation..."
        Firesched Calculator INPUT Values include
          "...Work Rotation: 2 days (1 day on, 1 day off);
          3 days (1 day on, 2 days off); 4 days (1 day on, 3 days off);
          6 days (Shift A works days 1 and 2; Shift B, days 3 and 4; Shift C, days 5 and 6); 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 Salary Calculators include

            Paycheck Calculator
            Paycheck Calculator INPUT Values include
              "...Tax Year & State;
              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
            "...Tax Year & State;
            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.



      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

Calculators On-Line Center ~ Home Page


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