Online Web Calculators: The Best Tools on the Web

Aside from offering the answers to any possible question you may have, use the Web to find answers to your financial questions and start organizing your finances. Crunch the numbers on your credit card debt or mortgage payments to find solutions to paying off your debt with some of these Web sites.

WebCalc: This site can help you with math, including algebra and trigonometry, or science, including chemistry and electronics. The site also has financial calculators for business, savings, paycheck and various forms of interest such as compound and simple. The health and fitness options are also pretty cool. You can find out your body mass index, heart rate and the cost of smoking.

The web site is plain, but straightforward and easy to use, The main menu is where you can find all of the calculators listed according to type. And the best part is that everything is free. Visit www.webcalc.net.

CardTrak: Take control of your credit card debt. The web site has a card calculator, under "Calculator & Tools," that can help you determine how long it will take you to get rid of credit card debt. You type in how much you owe on your cards and the interest rate along with how much you are paying each month.

This web site also has other features such as analysis of various types of credit cards out there and which ones have the lowest APR and best rewards. The site also shows comparison tables of current rates out there.

Additionally, you can sign up to receive a free newsletter that is geared toward credit card users. Visit www.cardtrak.com.

Bankrate: Bankrate.com is another web site that can help you answer the question of "what will it take to get rid of my credit card debt?" You punch in your balance, interest rate, monthly payment, and you find out how long it will take you to pay off your debt. It's a free service that only takes a few seconds. The web site also provides calculators on how much you would need to retire with and how much you will have in your 401(k) once you retire. Visit www.bankrate.com.

CNNMoney: CNNMoney's web site is a comprehensive web site providing calculators on just about everything ranging from estimation of monthly mortgage payments, to retirement. The web site is well-organized with calculator subjects and then links to each type of calculator. The best tools are under the "Real Estate" heading where you can find calculators to estimate your mortgage payments or mortgage refinance. Visit www.money.cnn.com/tools.

Buying a Car: Before you buy a car, check out Edmunds to find out the cost of owning a car. Under "Car Tips and Advice" there is a calculator that allows you to find out the cost of owning a car. You put in your model year, make and a few other pieces of additional information and the calculator will spit out information about how much it really costs to own the car you were considering buying. The figure is based on insurance, taxes and fees, gas, maintenance, repairs, depreciation and financing if you own a car over a five-year period. It helps you put things in perspective when making a decision as to what to buy. Visit www.edmunds.com.

College: Estimate how much it will cost to attend college at www.savingforcollege.com. You enter in the student's age, the annual cost of the college you are guessing will be attended, whether the student will go part time or full time and the number of years before the student has until college. The results will show you a total cost amount as well as the amount of monthly contributions you would need to make to attain such a goal. The site also offers savings plans and comparison charts. Visit www.savingforcollege.com.