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debt payoff calculator

Guide to Msfinancialsavvy Online Financial Calculators

Do you need information about saving money, budgeting, renting, or buying a home? Do your research, and start by using our online financial calculators. We have budgeting calculators, saving calculators, mortgage amortization calculators, debt payoff calculators, mortgage calculators, weight loss calculators, and many more. 

Msfinancialsavvy has the following online financial calculators

Msfinancialsavvy has calculators which will help you calculate to stay financially solvent, in case of a job loss, or other financial tragedy.

The most important calculators to stay financially solvent are savings calculators, budgeting calculators, mortgage calculators, and home rent or own calculators.

The “rent or own” calculator is significant because it tells you if you should keep renting, or if you are ready to buy a home. The foreclosures have been very high in the past 6 years because many of the people who owned, were not ready.

Online financial calculators at Msfinancialsavvy Including budgeting calculators, mortgage calculators and savings calculators

And when the economy went down, their budget went down with it. That included losing their home.

Every homeowner should have payments well below their income level, l along with at least 3 years of payments in the bank, should they lose their primary income, they will not lose their home.

Our online calculators will help you to define permanently viable healthy finances.

It is also important to maintain your retirement savings, so you can retire someday. Ever wonder why elderly people stand on their painful arthritic feet as a greeter in a superstore? I will give you a clue, they kept putting off retirement planning until it is way too late. 

Below our savings goal calculator, monthly deposit savings calculators, savings goal calculator, budgeting calculator, and mortgage amortization calculator. These online calculators will guide you to save and make decisions effectively.

Retirement Savings Calculator

Use our retirement savings calculators to guide you into future savings. When the economy dumps as it has in the past several years, it is important to have money on the side to pay bills in case of job loss. The retirement savings calculator will tell you how much you will need to save monthly so you can retire someday. Many have missed this opportunity and work way past retirement age. 

Savings Goal Calculator

Use this savings goal financial calculator to figure how much your current savings will grow and how much more you’ll need to save each month in order to achieve a given savings goal within a given number of years. Start with Line 1 and enter your future savings goal. You will be surprised how much you can save when you do it regularly. 

Monthly Deposit Savings Calculator

To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the “Compute” button.

Budgeting Calculators

A common question financially dysfunctional people ask is, “what is a budget”?  Many people don’t understand what is  a budget  because

1. Their parents did not teach them budgeting skills

2. They were downright spoiled and therefore were not required to live within a budget of any kind

3. You made a conscious decision that you can live without a budget

4. You haven’t seen the devastation caused by not living on a budget.

No matter what the case, our budgeting calculators can help you. Listed below are our budget percentage calculator and our rent or own calculator.

Budget Percent Calculator

These budget percentages are only recommended percentages and will change dramatically if you have a very high or very low income. For instance, if you have a very low income your necessary percentages will be high.

If you have a high income, your necessities will be a lower percentage of income and hopefully, savings (not debt) will be higher than recommended.

To get out of debt use the debt calculator to find out how much debt you have. Then, go onto the debt payoff calculator to create a debt payoff  schedule. 

Rent or Own Calculator

It is always great to buy a home and live happily ever after. The problem is, if you purchase a home before you are ready, the likelihood of foreclosure is great.

Buy a home when you can afford to buy; with an affordable down payment, closing cost, and an affordable monthly payment of principal, interest, taxes, and insurance.

During the past foreclosure crises of the early 2000’s, there were people who bought a home under the “no docs” system that allowed buyers to “state” their bills and employment.

Many people lied, purchased homes they could not pay for, and were subsequently foreclosed on.

Keep your rent affordable, keep bills low, save money for emergencies, save a down payment, pay your school loans, and buy only when you can afford to.

Use this Home Buying Course With Your Mortgage Calculator
Home buying the right way take skill

Mortgage Amortization Calculator

You can figure out how much your total payment will be before you buy a
home and get sticker shock. You can find the estimated taxes and insurance at any real estate site, such as Zillow. Use different time slots with your mortgage amortization calculator to see different payment schedules. 

The mortgage amortization calculator can also be used to amortize other loans such as student loans. Want to fast-track a student loan payoff? Find out what you will have to pay in order to nix the bill in 5 years or 7 years. Don’t let those pesky student loans go on forever.

Make sure the extra payment is applied to the principal, not interest, check every single time you make that payment. Many lenders will try to sneak it into the interest instead of the principal. Applying payments to interest benefits the lender but does nothing for you. 

Debt Payoff Calculator

These debt payoff calculators will get you out of debt. You use the first debt calculator to find your highest debts. Then use the debt payoff calculator to get out of debt efficiently.

Use the MsfinancialSavvy Calculators at liverichcaculators.com in this order, you will find the following online financial calculators

  1. Budgeting Calculators
  2. Savings Calculators
  3. Savings Goal Calculators
  4. Monthly Deposit Savings Calculator
  5. Rent or Own a Home Calculator
  6. Debt Pay Off Calculator
  7. Mortgage Calculators as well as mortgage amortization calculators


    You can calculate a variety of financial assets with Msfinancialsavvy online calculators at liverichcalculators.com
Online financial calculators at msfinancialsavvy, online budgeting calculators, online savings calculators, online mortgage calculators, loan amoritization calculators.