The latest version of MoneyToys™ Free Loan Calculator is new available for download from MoneyToys.com.
Version 5.0 adds the ability to calculate and compare two loans at once. For more information or to download this free, Windows-based loan calculator, visit the Free Loan Calculator web page at MoneyToys.com.
For more information: MoneyToys.com Free Loan Calculator
DebtDasher, Personal Debt Management Software, is a new, debt consolidation calculator available from http://www.debtdasher.com
DebtDasher™ is an integrated collection of financial calculators designed to help you understand and make sound decisions about managing your debt.
DebtDasher helps you determine your net worth, account for your loan and credit card debt, consider ways to reduce expenses and increase income and helps evaluate consolidation options and helps you compare consolidation loans. In addition, DebtDasher helps you create a monthly budget to guide your spending and helps you discover how a regular savings plan can grow over time.
DebtDasher, debt consolidation calculator for Windows®-based computers, is a comprehensive financial tool and includes the following integrated calculators:
Learn more at www.debtdasher.com
Try DebtDasher™ on Your Computer!
Download a fully-functional, evaluation version of DebtDasher and use it 10 times for free on your Windows 2000, XP, Vista or Windows 7 computer.
If you like DebtDasher after 10 uses, buy it for only $19.95. If DebtDasher doesn’t help you see your financial picture more clearly, then you’ve lost nothing by trying it. If you find DebtDasher to be a useful tool, buy it and receive free updates in the future as they are released.
DebtDasher is a trademark of Wheatworks Software, LLC.
Home Selling Calculator, $29.95 USD, has been updated to version 2.1. Home Selling Calculator, which shows how the time a house spends on the market impacts the net profit received by the home owner, accepts a homeowner’s financial values related to selling a home, calculates the monthly carrying costs and determines how long a house can stay on the market at a range of sales prices while allowing the seller to make a profit.
In a down market, determining a home sell price may require counter-intuitive thinking. While no home seller wants to start low because it is difficult to raise an asking price, it may be better to start with a lower asking price when selling into a slow market.
Home Selling Calculator shows clearly how these monthly carrying costs eat into expected profits from selling a house. While it will not tell a home seller what price to set on a house, it shows the consequences of carrying costs on the sales price over time compared to other sale prices.
Home Selling Calculator, 2.1, is Windows®-based and runs on Windows 2000, XP, and Vista. Home Selling Calculator includes a Home Inspection Form to help you understand what buyers may be looking for when they look at a house and a Mover’s To Do List which helps a home seller prepare for their move into another home.
Home Selling calculator may be purchased for $29.95 USD at http://www.homesellingcalculator.com. Site licenses and volume discounts are also available for real estate professionals. This release of Home Selling Calculator is a free update for registered users.
A fully-functional evaluation version of Home Selling Calculator may be downloaded from http://www.homesellingcalculator.com/home-selling-calculator-setup.exe.
Wheatworks is pleased to announce an update to Discounted Cash Flow Analysis Calculator, a DCF calculator for Win 2000, XP and Vista, which performs quick, comprehensive, simultaneous analyses of 14 different cash flow series. It automatically displays cash flow analysis results for 5 different discount rates for each of the 14 cash flow series. A single license for Discounted Cash Flow Analysis Calculator is available for $69.95 USD. Discounts are available for multi-user licenses.
For each of the 14 series’ five discount rates, Discounted Cash Flow Analysis Calculator calculates: Net Present Value NPV, Net Future Value NFV, Net Uniform Series NUS, Modified Internal Rate of Return MIRR, Present Worth Cost, Present Worth Revenue, Benefit/Cost Ratio and Present Value Ratio.
Calculate the following results for each of 14 cash flow series: Initial Investment, Smallest Cash Flow, Largest Cash Flow, Cash Flow Range, Average Cash Flow, Number of Cash Flows, Undiscounted Sum of Cash Flows, Internal Rate of Return IRR and Undiscounted Payback Period.
Learn more and download a fully-functional trial version of Discounted Cash Flow Analysis Calculator at http://www.DiscountedCashFlowAnalysis.com
Home Selling Calculator, $29.95 USD, shows how the time a house is on the market impacts the net profit of selling a home. Home Selling Calculator accepts a homeowner’s financial values related to selling a home, calculates the monthly carrying costs and shows the homeowner how long a house can stay on the market at a range of sales prices while allowing the seller to make a profit. If a profit is not possible at a given price and time on market, Home Selling Calculator shows the expected loss.
Selling a house for a profit is not easy in a down real estate market. Actually setting a good selling price may require some counter-intuitive thinking. No home seller wants to start low because it is difficult to raise an asking price. However, it may be better to start with a lower asking price when selling into a slow market.
Whatever method one uses to determine a desired sales price, home sellers often fail to consider the house’s carrying costs that will accumulate before the house sells. Carrying costs are the financial alligators that take large, monthly bites out of the seller’s profit while a house is on the market.
Home Selling Calculator shows clearly how these monthly carrying costs eat into expected profits from selling a house. While it will not tell a home seller what price to set on a house, it shows the consequences of carrying costs on the sales price over time compared to other sale prices.
Home Selling Calculator is Windows®-based and runs on Windows 2000, XP, and Vista. Home Selling Calculator includes a Home Inspection Form to help you understand what buyers may be looking for when they look at a house and a Mover’s To Do List which helps a home seller prepare for their move into another home.
Home Selling calculator may be purchased for $29.95 USD at http://www.homesellingcalculator.com. Site licenses and volume discounts are also available for real estate professionals. This release of Home Selling Calculator is a free update for registered users.
A fully-functional evaluation version of Home Selling Calculator may be downloaded from http://www.homesellingcalculator.com/download.htm.
This is the tenth anniversary of one of Wheatworks Software’s most popular tools for home buyers. Home Buyer’s Calculator Suite $19.95 was first released back in 1999.
During the last ten years, as new features and additional real estate calculators were added to the software, the name was changed to Real Estate Calculator Suite from Home Buyer’s Calculator Suite. (Real Estate Calculator Suite, a more complete calculator suite is designed for home buyers, home sellers and real estate professionals. It covers the spectrum of real estate finances, from prequalification to estimated closing costs to refinancing and prepayment savings.)
I’ve been reminded recently that some people simply want to know about the front end of home ownership. They want to buy a home.
Wheatworks has reintroduced Home Buyer’s Calculator Suite just for those who are interested in buying a home. Like the original Home Buyer’s Calculator Suite, it focuses on helping home buyers calculate the financial scenarios related to buying a home.
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Home Buyers Calculator Suite includes the following calculators for home buyers:
Less complicated than Real Estate Calculator Suite, but every bit as modern in terms of software technology, Home Buyer’s Calculator Suite is also less expensive. Available for a one-time fee of $19.95, Home Buyers Calculator Suite is designed to make real estate math easy for home buyers.
For more than a decade, Wheatworks has offered free financial software to our web site visitors. The full list of free financial calculators is at http://www.wheatworks.com/free-financial-software.htm.
Free Loan Calculator has just been updated to version 4.6. This version calculates and compares two mortgage loans.
Discover the Features of a Powerful Loan Comparison Calculator and Amortization Generator.
The power of LoanSpread™ (www.loanspread.com) makes it easy to analyze and compare loans quickly! Wheatworks Software, LLC is pleased to announce an important update to LoanSpread which is now at version 4.8.
Each feature of LoanSpread™ Loan Comparison and Amortization Calculator focuses on offering you accurate results, useful reports and amortization schedules so you can see the “big picture”.
Save Valuable Time Comparing Loans
Whether you want to know the payment amount, term, loan amount or interest rate, LoanSpread™ shows you answers quickly! LoanSpread™ compares 135 loans at once making it so much quicker than calculating the individual loans you wish to compare.
Do Multiple Loan Comparison Analysis
LoanSpread Loan Calculator creates a financial answer grid which compares 135 loans at the same time and makes relationships among the loans obvious! It’s like a loan calculator on steroids!
Create Amortization Schedules
LoanSpread™ creates both monthly and annual amortization schedules. Simply right click on the selected loan in the financial answer grid and choose “Create Amortization Schedule” from the popup menu or click the “Amortize” button on the button bar. After you create an amortization schedule, you can see the effects of adding additional amounts to individual payments, a range of payments or all payments.
Easily Perform Complicated Time Value of Money (TVM) Calculations
LoanSpread™ Loan Calculator allows you to change any three of a loan’s four variables (amount borrowed, term, payment amount and interest rate) and instantly solve for the fourth value. LoanSpread displays answers to 135 of these Time Value of Money calculations at once.
Calculate the Full Payment of PITI
Unlike many loan calculators, LoanSpread Loan Comparison and Amortization Calculator will compute the full payment amount for every loan you compare. In addition to the principal and interest payment, with a simple button click, LoanSpread includes taxes and insurance. You can quickly switch between PI payments and PITI (principal, interest, taxes and insurance) payments.
Choose the Payment Frequency
LoanSpread™ allows you to calculate loan scenarios using different payment frequencies! Offers Daily 365/year, Daily 360/year, Weekly, Biweekly 26/year, Bimonthly 24/year, Monthly, Quarterly, Biannual, and Annual payment frequencies.
See Instant Loan Summaries
The Loan Summary Window is a great feature of LoanSpread™ which allows you to view a detailed summary of any of the 135 loans. Accessed by right-clicking on a loan result in the answer grid, Loan Summaries offer a quick way to drill into the details of a particular loan scenario.
In one easy place, the Loan Summary window details the Amount Borrowed, the Payment Frequency, the Term, Annual Interest Rate, Payment (Principal and Interest), Payment (Principal, Interest, Taxes and Insurance), Total Principal Paid, Total Interest Paid, Total Principal and Interest Paid, Total Taxes Paid, Total Insurance Paid, Total Taxes and Insurance, and Total Paid Over the Term (PITI).
Download Free Trial Version
Download a fully-functional, evaluation version of LoanSpread Loan Comparison and Amortization Calculator and use it 10 times for free on your Windows 2000, XP Home, XP Pro or Vista-based computer.
I’ve played this week with ActionScript®, the programming language that sits beneath Flash® applets. I really like it. In fact, I’m considering rewriting all of the MoneyToys(tm) web site calculators in ActionScript.
I believe a collection of Flash-based web site calculators would offer a couple of improvements over the Java-based calculators. The chief among these is the incredible speed in which they load into your browser.
I’ve created a small sample of a Flash-based MoneyToy(tm). It’s the simple, Monthly Payment Calculator, I’ve included below.
Play with it a bit and share your impressions. It’s a first effort, so I’ll not guarantee it’s perfect … yet. I’ll certainly be devoting a good bit of time to ActionScript in the coming months.
When the real estate market “woke up”, outlandish home prices had to come down because they weren’t based on real value. Rather, the over-pricing occurred because of greed which was at the root of much of the foolish lending and foolish borrowing of the last few years.
People say, “Real estate is local”. By that, they mean that what you experience in your neighborhood may be very different from what you see in the national news. Without a doubt, nationally, real estate has taken it on the chin and in the gut.
Because of this home prices have dropped significantly in many areas of the US. Some areas will continue to see home prices decline. In this bubble and its pop, lenders may have learned important lessons about loose credit. Home owners in some areas certainly have. And they’ve learned about the importance of affordability.
For years, one of the tips in Real Estate Calculator Suite has been this: “As tempting as it may be and even though you may qualify for a big loan, avoid buying more home than you can comfortably afford.” The temptation has been great in areas where home prices sky rocketed in recent years.
So, if prices are down in your neighborhood of the world and you plan on buying a new home, how do you know what “comfortably afford” means for you?
To my way of thinking, “comfortably afford” means a lot of things. It means that couples buy homes they can pay for even if one partner loses their job, wants to take off for children, or becomes disabled. It means there’s money left over for family fun. “Comfortably afford” means you don’t lay awake at night and thinking about how to stretch your budget.
Banks and mortgage lenders are returning to the concept of qualifying ratios: 28 for housing and 36 for debt.
If you want an easy way to see what safe lending standards indicate about the amount of home you can “comfortably afford,” use the Mortgage Qualifier in Real Estate Calculator Suite. It gives you a good idea of what you can expect to comfortably pay each month for your home. And it allows you to easily play with the numbers to see the effects of a pay raise or reduction in income.
Using the Mortgage Qualifier is easy. You enter your monthly income and your co-borrower’s monthly income, enter your monthly credit card, auto loan and other loan payments, and enter the amount you have available for a down payment.
As you enter your personal financial values, the calculator automatically updates the results to indicate how much you can comfortably afford.
The Mortgage Qualifier is one of 16 financial calculators in Real Estate Calculator Suite. It’s the one that will quickly get you in the home-buying ballpark in terms of what you can afford.
Learn more about Real Estate Calculator Suite or Download a Trial Version and play with your own numbers.
Of course, you can purchase Real Estate Calculator Suite for your Windows-based computer for only $39.95 USD.
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