Top 10 Personal Finance Calculators

Personal finance calculators such as credit card calculators can help you to budget your finances. They’re a great and free tool that can – and should be utilised by you if you want to know the reality of your repayments before getting into debt.

Sometimes it can be a bit of a nuisance to find these calculators, even if they are freely available on the Internet. We have done the grunt work for you and present the Top 10 Personal Finance Calculators to you for your convenience and immediate use!

Low Interest Rate Credit Card Offer

The St.George Vertigo MasterCard is the ultimate low rate shopping credit card as it features an introductory offer on balance transfers. You will also save with a low ongoing annual fee. Cannex 5 star rated credit card.

• $0 p.a. annual fee for the first year ($55 p.a. thereafter) annual fee
• 13.24% p.a. on purchases
• 2.99% p.a. for 6 months on balance transfers
• Cash Advance Rate of 21.49% p.a.
• 55 days interest free

Read the St.George Vertigo terms and conditions.

Top 10 Personal Finance Calculators:

1. What’s The Cost: What’s The Cost is a UK based calculator offering you to choose from mortgage, loan, savings, credit cards, balance transfers and debt reductions calculators. Unless you are in the UK though you might struggle due to the currency conversion. Our personal favourite on that site was the savings calculator.
2. Auto Calculator: Fancy buying a new car but can’t afford to pay in cash? With the auto loan payment calculator you can quickly calculate whether you can indeed afford this car or not.
3. Living Cost Calculator: Sometimes we are faced with new job opportunities and have to consider moving to another city as a result. To help you decide which is the better (more affordable place) to live, check out this Cost of Living calculator. Unfortunately this one only applies if you think of moving to the US.
4. Net Worth Worksheet:This one is my personal favourite simply for the fact that I want to know what I’m REALLY worth on paper. It’s like playing a game (reminds me of Monopoly actually.)
5. Tax Advantage Investment Calculator: Investment tycoons or those in the makings can calculate their tax savings with this nifty tool.
6. Debt Free Planner:Another great tool that allows you to figure out when you can be debt free if you pay any money towards your debt, or even if you don’t. Another favourite.
7. Mortgage Repayment Calculator: Find out how your mortgage payments will stack up with this helpful tool.
8. Millionaire Calculator: Fancy becoming a millionaire at some stage? If you do, then the millionaire calculator can wield its magic wand and tell you how long it will take…still waiting?
9. Refinance Calculator: If you are thinking of throwing your home equity into the money pit to refinance for renovations, holidays or else, check out whether it will be worth your financial while first. You might be in for a surprise.
10. Credit Card Buster Calculator: Our credit card debt reduction calculator gives you accurate details on how to pay back your debt. It will allow you to budget accordingly.

Naturally, this selection of personal finance calculators is small compared to the selection available on the Internet. This range should get you started in getting budget savvy and living the life of your dreams.

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Credit card offers:

HSBC Credit Card	Bankwest Zero Platinum Credit Card	Virgin Flyer Credit Card	ANZ Low Rate
0% p.a. for 6 months on balance transfers & no annual fee	0% p.a. for 9 months on balance transfers & platinum benefits	0% p.a. for 8 months on balances transfers & reward points	0% p.a. for 9 months on balance transfers & low rate

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Credit Cards Comparison

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	ANZ Low Rate	A low rate on purchases, balance transfer and a low annual fee.	13.14% p.a.	0% p.a. for 9 months	$58 p.a.	21.49% p.a.
	HSBC Credit Card	No annual fee for the life of the credit card. Plus a low balance transfer offer.	17.99% p.a.	0% p.a. for 6 months	$0 p.a.	21.99% p.a.
	Bankwest Zero Platinum MasterCard	Exclusive Offer to Credit Card Finder. No annual fee credit card with platinum benefits.	17.99% p.a.	0% p.a. for 9 months	$0 p.a.	21.99% p.a.
	Commonwealth Bank Low Rate Credit Card	A low interest rate offer on purchases and balance transfers.	0% p.a. for 5 months (reverts to 12.99% p.a.)	5.99% p.a. for 5 months	$78 p.a. ($48 for qualifying customers)	21.24% p.a.
	ANZ Platinum Credit Card	No annual fee for the first year and a balance transfer offer.	19.39% p.a.	0% p.a. for 9 months	$0 p.a. annual fee for the first year ($87 p.a. thereafter)	20.99% p.a.

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.