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" Timothy Ross's Advisor Tools I have compiled a few good advisor calculator tools to help on every day financial decisions. These calculator are only to help benefit you on understanding "Success is neither magical or mysterious. Success is the natural consequence of consistently applying basic fundamentals. "For further information on full service financial plan please give us a call at (613) 345-0016 or e-mail us at advisor@timothyross.com Thank you Timothy Ross, Founder Brock Shores Financial" Loan Comparison Calculator Use this calculator to see the change in total interest charges that result from making any changes to an original loan's variables. Hourly Wage Calculator Think your earning the hourly rate that's listed on your pay stub? Think again! The REAL HOURLY WAGE CALCULATOR will tell you what you're really making once you account for your work-related expenses and your unpaid work-related time. Bi-Weekly Mortgage Calculator This calculator will show you how much you will save if you make 1/2 of your mortgage payment every two weeks instead of making a full mortgage payment once a month. In effect, you will be making one extra mortgage payment per year, without hardly noticing the additional cash outflow. But, as your about to discover, you will certainly notice the increased cash flow that will occur when you pay your mortgage off way ahead of schedule!. Lifetime Savings Calculator This calculator will show you how much you'll save over the course of your lifetime when permanently switching from any given high priced buying habit (name brand) to its functional, less expensive equivalent (generic). Plus, it will also show you how much interest you could earn if you were to invest all or part of those savings as you realized them. As you're about to see, "a penny saved" can REALLY ADD UP! Mortgage Refinancing Calculator This JavaScript calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. And not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Credit Card Minimum Payment Interest Calculator This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill. It will also tell you how many minimum payments you will make before your balance is paid off (up to a maximum of 600 payments). Future Value of Periodic Payments This calculator will show you how much interest you will earn over a given period of time; at any given interest rate; based on an initial investment plus a fixed monthly addition. The calculator compounds monthly and assumes deposits are made at the beginning of each month. Please check out our #ImprovingFutures site for many more calculators, and become a member if you find our site to be of interest. Thank you, Timothy Ross, Founder, Brock Shores Financial ImprovingFutures - Calculator Tools Check The Math |