Top personal finance calculators

Top personal finance calculators
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Personal finance is essentially a mathematical exercise, and it is preferable to make choices based solely on intuition. Online calculators will help you prepare your financial moves by evaluating your options and exploring "what-if" scenarios. Personal finance calculators make it simple to enter some basic numbers and get quantitative answers to your personal finance questions, even if you have no prior experience with math. You can use apps for wast variety of tsks, such as:

1. Calculator for mortgages

2. Affordability calculator for housing

3. Calculator for Refinancing a Mortgage

4. Calculator to determine whether to rent or purchase a home

5. Calculator for Investment Growth

6. Calculator for traditional retirement

7. Calculator for Early Retirement

8. Calculator for credit cards

9. Calculator for Auto Loans

10. Calculator for Auto Lease/Purchase

11. Calculator for Driving or Flying

12. Calculator for student loan payments, etc.

To help you get started, we've compiled a list, with the help of Kyle Drummond, a financial advisor at Directloantransfer who also worked on no credit check loans at directloantransfer article, of the best personal finance apps available today. You're likely to spend a lot of time on your phone anyway, so why not use it to help you manage your finances?


The envelope scheme, which Goodbudget is built on, allows you to allocate your monthly income to various spending categories. Couples and family members can share a budget with the app since it allows different devices to access the same account. Goodbudget, unlike most other applications, does not require you to sync your bank accounts.

The user manually enters account balances, cash amounts, and debts (which they can get from their bank's website). You assign money to spending groups, known as envelopes after you've entered the accounts and revenue. One account, two tablets, and a limited number of envelopes are included in the free edition. Unlimited envelopes and accounts, up to five computers, and other features are included in the Plus edition, which costs $7 a month or $60 a year.


This software, which is based on Hewlett Packard's 10BII financial calculator, has over a hundred functions for calculating financial, mathematical, and statistical answers.

When you need precise TVM measurements, this is the software to use. A cash flow diagram is used to show the results.

Loan payments, mortgage payments, interest rates, and investment value are all simple calculations you can do with this app. The financial calculator app is designed for financial and business professionals, but it is also available to anyone who needs a powerful calculation tool.


Honeydue, a new addition to the list for 2021, allows you and your partner to see your financial records in one place, including bank accounts, credit cards, loans, and investments. The free budgeting app categorizes expenses automatically, but you can also create custom categories. You and your partner can set monthly limits in each of these categories together, and Honeydue will notify you when you or your partner approaches those limits. Honeydue also sends bill reminders and allows you to chat and send emojis. Find out more about couple budgeting apps.


For its well-known budgeting philosophy and reputation, You Need a Budget, or YNAB, takes the top spot. According to YNAB, new budgeters save an average of $600 in their first two months and over $6,000 in their first year. YNAB is the most expensive option on our list, but it comes with a 34-day free trial and a money-back guarantee that is risk-free.

Because of its budget-friendly philosophy and a money-back guarantee, YNAB is at the top of our list. The company offers a free 34-day trial (no credit card required), after which the annual fee is $84. The cost is $11.99 per month if you prefer to pay less upfront.

YNAB allows you to synchronize your bank accounts, import data from a file, or enter transactions manually. To get started, the company recommends watching video courses, attending a live workshop, or reading a guide to learn the basics of the application. Rather than tracking what you've already spent, as some competitors do, YNAB takes a proactive approach to budgeting.


Quicken's Simplifi earns high marks because it provides a personalized spending plan with real-time updates on how much money you have leftover at the end of each month. The app syncs your bank accounts to show you your current financial situation and progress toward your financial goals. Simplifi by Quicken also keeps track of all of your monthly bills and subscriptions, even if you don't use them.

To begin, you must first sync your bank accounts, after which you will have a complete picture of your finances. The app sorts your expenses for you, keeps track of recurring bills and subscriptions, and reminds you of upcoming expenses.

App's customizable checklists, which allow you to limit expenses by category or payee, are a standout feature. Furthermore, the personalized spending plan keeps track of your cash flow to ensure that you never spend more than you earn. Simplifi by Quicken provides tips as you use the app, but there's also a blog with a wealth of educational content.


Zeta is one of the few free budgeting apps for couples, whether they have joint finances or not. The app is designed for all types of couples, including those who live together, are engaged, married, or are expecting their first child. Multiple accounts can be synced together to track expenses, view your net worth, and manage bills.

They can also open a joint, fee-free bank account and cards with benefits such as early direct deposit, digital checks, MoneyPass ATM access, contactless payments, and bill pay. With all of these new features, Zeta is our top pick for couples.

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