Bankrate

Displaying 1-40 of 65 results

  • Tools & Templates // Jan 2009

    Roth vs. Traditional IRA Calculator

    An IRA can be an effective retirement tool. There are two basic types of Individual Retirement Accounts (IRAs): the Roth IRA and the traditional IRA. Use this Roth vs. traditional IRA tool to determine which IRA may be right for a retirement plan.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Mortgage Calculator (Includes Amortization Schedule)

    Trying to calculate monthly mortgage payments when thinking about a home loan can be a daunting task? Use this easy to use tool to calculate mortgage.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Advanced Mortgage Calculator: Calculate Your Payment And More

    Use this advanced mortgage tool to calculate payments and more.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Mortgage Points Adviser: Which Rate/Points Combination Is Right For You?

    When you pay "Points," you pay interest in a lump sum upfront to get a lower rate on your fixed rate mortgage. Each point costs 1% of the mortgage amount. The more points you pay, the lower your mortgage rate. So, which is the best for you? More points and...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    15-Year Or 30-Year Mortgage

    Determining which mortgage term is right can be a challenge. With a 15-year mortgage less interest is paid, but only with a higher monthly payment. Use this 15-year vs. 30-year mortgage tool to compare these two mortgage terms. Determining which mortgage term is right can be a challenge.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Fixed- Or Adjustable-Rate Mortgage: Which Is Right For You?

    Fixed or adjustable rate mortgage? Find out which is right for you. Note, with a Fixed Rate Mortgage (FRM), monthly payments will be steady, while with an Adjustable Rate Mortgage (ARM), payments will vary over time. Adjustable rate mortgages typically have an initial fixed rate lower than that of a...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Get A Biweekly Mortgage Payment Plan

    This biweekly mortgage tool shows the possible savings by using an accelerated biweekly mortgage payment. By paying half the monthly payment every two weeks, each year the mortgage company will receive the equivalent of 13 monthly payments instead of 12. This simple technique can take years off the mortgage loan...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Interest-Only Mortgage Loan Payment Calculator

    The rates on interest-only loans can change as often as every month, or may be fixed for a 10-year period. Check to see when and how often your interest-only rate can change. Recalculate your interest-only payment before your next scheduled rate adjustment. Also, beware of balloon loans or negative amortization...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Rent Or Buy Your Next Home: Which Is Right For You?

    For some people, buying their home makes the most sense, and for others, renting is best. To determine which is right for you, you first need to determine whether you can afford to buy. Then you need to consider other factors, including the time you'll stay in your new home,...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Should You Refinance Your Mortgage?

    This refinance tool will figure whether it's worth chasing a lower interest rate and refinancing your mortgage.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Compare The Cost Of Living Between Cities

    Use this tool to compare cost of living.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    What Happens When Your Adjustable Rate Mortgage Adjusts?

    Do you know what your new mortgage payment will be when your rate adjusts? Use this tool to find out what your payment would be if your rate was to adjust today.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Adjustable-Rate Mortgage Calculator

    Adjustable-rate mortgages can provide attractive interest rates, but your payment is not fixed. This adjustable-rate mortgage tool helps you to approximate your possible adjustable mortgage payments.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Annual Percentage Rate Calculator For ARM Loans

    Use this annual percentage rate tool to determine the annual percentage rate, or APR, of your adjustable-rate mortgage, or ARM. Knowing your APR can help you compare different ARMs with different fees and terms.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Blended-Rate Mortgage Calculator

    The high price of homes has many buyers trying to get 100 percent, or near 100 percent, financing. One option is to acquire two mortgages. This blended-rate mortgage tool helps determine the effective, or blended, interest rate if you use a first and a second mortgage to finance the purchase...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Fixed-Rate Vs. Interest-Only Mortgage Calculator

    A fixed-rate mortgage has the same payment for the entire term of the loan. Use this tool to compare a fixed-rate mortgage to an interest-only mortgage.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Spending Calculator - Benefit Of Spending Less

    Reducing spending can be worth more than you think. Use this spending tool to see just how much the budget reductions may be worth, if the funds were invested. View the value of this new potential nest egg both with and without taxes.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Lunch Savings Calculator

    The best way to increase personal savings is to spend less money. Even a simple change such as bringing a lunch to work can make a big difference in the amount saved. This lunch savings tool illustrates how lunch savings can increase your bank account.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Compound Savings Calculator

    Consistent investing over a long period of time can be an effective strategy to accumulate wealth. Even small deposits to a savings account can add up over time. This compound savings tool demonstrates how to put this savings strategy to work.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Home Equity Loans Vs. Lines Of Credit.

    Should you get a home equity loan or a home equity line of credit, known as a HELOC? With a home equity loan, you get a lump sum. A HELOC provides you a revolving credit line, much like a credit card. This tool will help you determine whether a home...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Can You Borrow From Your Home Equity?

    The appeal of home equity borrowing resides in the low interest rates, tax deductibility of interest and growing equity a homeowner builds over time. But home equity also represents a valuable asset and emergency borrowing capacity. Is now the time to borrow your home equity? Does your current situation make...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Line Of Credit Calculator

    Use this line of credit tool to determine how big a line of credit you may qualify to receive. The line of credit is based on a percentage of the value of the home. The more the home is worth, the larger the line of credit. Of course, the final...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Tax Deductible Loan Calculator

    This tax-deductible loan tool helps determine the tax savings on loans or lines of credit with tax-deductible interest payments. For a loan payment, select fixed-term loan. For a line of credit payment, you can choose 2 percent, 1.5 percent, 1 percent of the outstanding balance or interest only.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    401(k) Or Roth IRA Calculator

    A 401(k) can be an effective retirement tool. Use this 401(k) or Roth tool to help determine the best option for retirement.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    401(k) Contribution Calculator

    An employer sponsored retirement savings account could be one of your best tools for creating a secure retirement. Use this tool to see how increasing your contributions to a 401(k), 403(b) or 457 plans can affect your paycheck as well as your retirement savings. An employer sponsored retirement savings account...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    401(k) And Roth Contribution Calculator

    401(k) can be an effective retirement tool. Use this 401(k) and Roth contribution tool to help determine the option that could work and how it might affect your paycheck.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    401(k) Retirement Calculator

    A 401(k) 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...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    72(t) Calculator: Early Withdrawals From Retirement Accounts

    The Internal Revenue Code sections 72(t) and 72(q) allow for penalty free early withdrawals from retirement accounts. These sections allow you to begin receiving money from your retirement accounts before you turn age 59 1/2 without the normal 10% premature distribution penalty. Use this tool to determine your allowable 72(t)/(q)...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    72(t) Distributions: Impact On Retirement Fund Balances

    The Internal Revenue Code sections 72(t) and 72(q) allow for penalty free early withdrawals from retirement accounts. The IRS limits how much can be withdrawn by assuming any future earnings will be at most 120% of the Federal Mid-Term. This conservative approach can help assure that you will not prematurely...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Convert IRA To Roth Calculator

    In 1997, the Roth IRA was introduced. Since then, many people have converted all or a portion of their existing traditional IRAs to a Roth IRAs, where interest earned may be completely tax-free. Is this a good option? A conversion has advantages and disadvantages that should be carefully considered before...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    IRA Beneficiary Calculator

    When you are the beneficiary of a retirement plan, specific IRS rules regulate the minimum withdrawals you must take. If you want to simply take your inherited money right now and pay taxes, you can. But if you want to defer taxes as long as possible, there are certain distribution...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    IRA Required Minimum Distribution

    The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually; starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning. Use this tool to...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    IRA Minimum With Drawl Calculator

    The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually; starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning. Use this tool to...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    IRA Savings Calculator

    Use this tool to determine how much monthly income your retirement savings may provide you in your retirement. Your annual savings, expected rate of return and your current age all have an impact on your retirement's monthly income. View the full report to see a year-by-year break down of your...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Self Employed 401k Calculator

    Self-employed individuals and businesses employing only the owner, partners and spouses have several options for tax-advantaged savings: an individual 401(k) plan, a SEP IRA, a SIMPLE IRA or a profit-sharing plan. Each option has distinct features and amounts that can be contributed to the plan each year. Use the self-employed...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Social Security Benefit Calculator

    Ever wonder how much you might receive in Social Security? Use this Social Security benefit tool to estimate your amount of Social Security benefits. Remember, this is only an estimate. Actual benefits may vary depending on actual work history and income.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Stock Retirement Plan

    If you own company stock in a retirement plan, it is possible to take advantage of using the long term capital gains tax rate rather than ordinary income tax rate on this investment. Normally, all earnings withdrawn from a retirement plan are taxed as ordinary income, at ordinary income tax...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Investment Fees Calculator

    Even a small difference in the investment fees paid on investments can add up over time. Use this investment fees tool to see how different fees can impact the investment strategy! Even a small difference in the investment fees paid on investments can add up over time. Use this investment...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Investment Goals Calculator

    This tool helps to estimate whether or not you are on track to reaching your investment goal, taking into account your current savings plan and required investment period.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Tax Equivalent Yield Calculator

    This tax equivalent yield tool will estimate the tax-equivalent yield, or TEY, for a municipal bond. Income generated from municipal bond coupon payments are not subject to federal income tax. In addition, if the bond was issued in the state of residence, you can also avoid state income taxes. Use...

    Provided By Bankrate

  • White Papers // Jan 2003

    Credit Monitoring: Boon or Bust?

    Personal finance experts are fairly outspoken in their opinions of the value of credit monitoring. About the only time the experts think credit monitoring is worthwhile is for people who have been a victim of identity theft, or are at high risk of it. And even then, it's simple -...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Mortgage Calculator (Includes Amortization Schedule)

    Trying to calculate monthly mortgage payments when thinking about a home loan can be a daunting task? Use this easy to use tool to calculate mortgage.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Advanced Mortgage Calculator: Calculate Your Payment And More

    Use this advanced mortgage tool to calculate payments and more.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Mortgage Points Adviser: Which Rate/Points Combination Is Right For You?

    When you pay "Points," you pay interest in a lump sum upfront to get a lower rate on your fixed rate mortgage. Each point costs 1% of the mortgage amount. The more points you pay, the lower your mortgage rate. So, which is the best for you? More points and...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    15-Year Or 30-Year Mortgage

    Determining which mortgage term is right can be a challenge. With a 15-year mortgage less interest is paid, but only with a higher monthly payment. Use this 15-year vs. 30-year mortgage tool to compare these two mortgage terms. Determining which mortgage term is right can be a challenge.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Fixed- Or Adjustable-Rate Mortgage: Which Is Right For You?

    Fixed or adjustable rate mortgage? Find out which is right for you. Note, with a Fixed Rate Mortgage (FRM), monthly payments will be steady, while with an Adjustable Rate Mortgage (ARM), payments will vary over time. Adjustable rate mortgages typically have an initial fixed rate lower than that of a...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Get A Biweekly Mortgage Payment Plan

    This biweekly mortgage tool shows the possible savings by using an accelerated biweekly mortgage payment. By paying half the monthly payment every two weeks, each year the mortgage company will receive the equivalent of 13 monthly payments instead of 12. This simple technique can take years off the mortgage loan...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Interest-Only Mortgage Loan Payment Calculator

    The rates on interest-only loans can change as often as every month, or may be fixed for a 10-year period. Check to see when and how often your interest-only rate can change. Recalculate your interest-only payment before your next scheduled rate adjustment. Also, beware of balloon loans or negative amortization...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Rent Or Buy Your Next Home: Which Is Right For You?

    For some people, buying their home makes the most sense, and for others, renting is best. To determine which is right for you, you first need to determine whether you can afford to buy. Then you need to consider other factors, including the time you'll stay in your new home,...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Should You Refinance Your Mortgage?

    This refinance tool will figure whether it's worth chasing a lower interest rate and refinancing your mortgage.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Compare The Cost Of Living Between Cities

    Use this tool to compare cost of living.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    What Happens When Your Adjustable Rate Mortgage Adjusts?

    Do you know what your new mortgage payment will be when your rate adjusts? Use this tool to find out what your payment would be if your rate was to adjust today.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Adjustable-Rate Mortgage Calculator

    Adjustable-rate mortgages can provide attractive interest rates, but your payment is not fixed. This adjustable-rate mortgage tool helps you to approximate your possible adjustable mortgage payments.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Annual Percentage Rate Calculator For ARM Loans

    Use this annual percentage rate tool to determine the annual percentage rate, or APR, of your adjustable-rate mortgage, or ARM. Knowing your APR can help you compare different ARMs with different fees and terms.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Blended-Rate Mortgage Calculator

    The high price of homes has many buyers trying to get 100 percent, or near 100 percent, financing. One option is to acquire two mortgages. This blended-rate mortgage tool helps determine the effective, or blended, interest rate if you use a first and a second mortgage to finance the purchase...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Fixed-Rate Vs. Interest-Only Mortgage Calculator

    A fixed-rate mortgage has the same payment for the entire term of the loan. Use this tool to compare a fixed-rate mortgage to an interest-only mortgage.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Spending Calculator - Benefit Of Spending Less

    Reducing spending can be worth more than you think. Use this spending tool to see just how much the budget reductions may be worth, if the funds were invested. View the value of this new potential nest egg both with and without taxes.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Lunch Savings Calculator

    The best way to increase personal savings is to spend less money. Even a simple change such as bringing a lunch to work can make a big difference in the amount saved. This lunch savings tool illustrates how lunch savings can increase your bank account.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Compound Savings Calculator

    Consistent investing over a long period of time can be an effective strategy to accumulate wealth. Even small deposits to a savings account can add up over time. This compound savings tool demonstrates how to put this savings strategy to work.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Home Equity Loans Vs. Lines Of Credit.

    Should you get a home equity loan or a home equity line of credit, known as a HELOC? With a home equity loan, you get a lump sum. A HELOC provides you a revolving credit line, much like a credit card. This tool will help you determine whether a home...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Can You Borrow From Your Home Equity?

    The appeal of home equity borrowing resides in the low interest rates, tax deductibility of interest and growing equity a homeowner builds over time. But home equity also represents a valuable asset and emergency borrowing capacity. Is now the time to borrow your home equity? Does your current situation make...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Line Of Credit Calculator

    Use this line of credit tool to determine how big a line of credit you may qualify to receive. The line of credit is based on a percentage of the value of the home. The more the home is worth, the larger the line of credit. Of course, the final...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Tax Deductible Loan Calculator

    This tax-deductible loan tool helps determine the tax savings on loans or lines of credit with tax-deductible interest payments. For a loan payment, select fixed-term loan. For a line of credit payment, you can choose 2 percent, 1.5 percent, 1 percent of the outstanding balance or interest only.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    401(k) Or Roth IRA Calculator

    A 401(k) can be an effective retirement tool. Use this 401(k) or Roth tool to help determine the best option for retirement.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    401(k) Contribution Calculator

    An employer sponsored retirement savings account could be one of your best tools for creating a secure retirement. Use this tool to see how increasing your contributions to a 401(k), 403(b) or 457 plans can affect your paycheck as well as your retirement savings. An employer sponsored retirement savings account...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    401(k) And Roth Contribution Calculator

    401(k) can be an effective retirement tool. Use this 401(k) and Roth contribution tool to help determine the option that could work and how it might affect your paycheck.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    401(k) Retirement Calculator

    A 401(k) 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...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    72(t) Calculator: Early Withdrawals From Retirement Accounts

    The Internal Revenue Code sections 72(t) and 72(q) allow for penalty free early withdrawals from retirement accounts. These sections allow you to begin receiving money from your retirement accounts before you turn age 59 1/2 without the normal 10% premature distribution penalty. Use this tool to determine your allowable 72(t)/(q)...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    72(t) Distributions: Impact On Retirement Fund Balances

    The Internal Revenue Code sections 72(t) and 72(q) allow for penalty free early withdrawals from retirement accounts. The IRS limits how much can be withdrawn by assuming any future earnings will be at most 120% of the Federal Mid-Term. This conservative approach can help assure that you will not prematurely...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Convert IRA To Roth Calculator

    In 1997, the Roth IRA was introduced. Since then, many people have converted all or a portion of their existing traditional IRAs to a Roth IRAs, where interest earned may be completely tax-free. Is this a good option? A conversion has advantages and disadvantages that should be carefully considered before...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    IRA Beneficiary Calculator

    When you are the beneficiary of a retirement plan, specific IRS rules regulate the minimum withdrawals you must take. If you want to simply take your inherited money right now and pay taxes, you can. But if you want to defer taxes as long as possible, there are certain distribution...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    IRA Required Minimum Distribution

    The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually; starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning. Use this tool to...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    IRA Minimum With Drawl Calculator

    The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually; starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning. Use this tool to...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    IRA Savings Calculator

    Use this tool to determine how much monthly income your retirement savings may provide you in your retirement. Your annual savings, expected rate of return and your current age all have an impact on your retirement's monthly income. View the full report to see a year-by-year break down of your...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Roth vs. Traditional IRA Calculator

    An IRA can be an effective retirement tool. There are two basic types of Individual Retirement Accounts (IRAs): the Roth IRA and the traditional IRA. Use this Roth vs. traditional IRA tool to determine which IRA may be right for a retirement plan.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Self Employed 401k Calculator

    Self-employed individuals and businesses employing only the owner, partners and spouses have several options for tax-advantaged savings: an individual 401(k) plan, a SEP IRA, a SIMPLE IRA or a profit-sharing plan. Each option has distinct features and amounts that can be contributed to the plan each year. Use the self-employed...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Social Security Benefit Calculator

    Ever wonder how much you might receive in Social Security? Use this Social Security benefit tool to estimate your amount of Social Security benefits. Remember, this is only an estimate. Actual benefits may vary depending on actual work history and income.

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Stock Retirement Plan

    If you own company stock in a retirement plan, it is possible to take advantage of using the long term capital gains tax rate rather than ordinary income tax rate on this investment. Normally, all earnings withdrawn from a retirement plan are taxed as ordinary income, at ordinary income tax...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Investment Fees Calculator

    Even a small difference in the investment fees paid on investments can add up over time. Use this investment fees tool to see how different fees can impact the investment strategy! Even a small difference in the investment fees paid on investments can add up over time. Use this investment...

    Provided By Bankrate

  • Tools & Templates // Jan 2009

    Investment Goals Calculator

    This tool helps to estimate whether or not you are on track to reaching your investment goal, taking into account your current savings plan and required investment period.

    Provided By Bankrate