These tools will provide you with useful insights about your finances, and help you to better manage your debts, cost savings and personal spending.

The calculators can be opened or saved. If you wish to save a copy to your computer you must have either Microsoft Excel or the free OpenOffice.org installed. OpenOffice can be downloaded here.

Credit Card Calculator:

Click here to open or save a copy of the Credit Card Payoff calculator.

Here you can find the real interest costs and pay back period of your debts.

You can also calculate payments needed to pay off the debt sooner to lower your debt costs.

Personal Budget Calculator:

Click here to open or save a copy of the Personal Monthly Budget calculator.

Here you can set a detailed budget, track your expenses and monitor your progress.

This will also provide useful insights into your spending priorities, areas to reduce expenses and ways to increase savings or pay down your debts.