Ian

15 Year Mortgage Calculator

Aug 132011

Using The 15 year Mortgage Calculator

I have arranged the 15 year mortgage calculator to be as simple and easy as possible to use. All you need to do is enter your details into the yellow shaded boxes and the results will automatically be calculated and displayed at the bottom.

Let’s work through an example to demonstrate how the mortgage calculator works.

For our example, our fictitious borrower wants to purchase a property worth 350,000, he has 50,000 as a down payment and the mortgage lender he is thinking of borrowing from has offered a rate of 3.5% per annum. (You will note that I have not specified any currency as I would like to leave the 15 year mortgage calculator as generic as possible.)

Let’s enter those details into the mortgage calculator:

Example data for the 15 year mortgage calculator

Because this is a 15 year mortgage calculator, there is no need to enter the term of the loan as it is fixed at 15 years.

After those details have been entered, the calculator automatically calculates the monthly payment, the total interest paid, and the total amount you would repay over the 15 years.

15 Year Mortgage Results

The results above assume that the mortgage interest rate is compounded monthly and the repayments are made monthly, as that is the case most of the times. However, if your bank or lending institution compounds their interest rate differently, and they’ll tell you this, you can adjust the compunding period by clicking on the drop down box and selecting one of the other options.

Changing The Compounding Period

If your repayment period is anything other than monthly then you can change the repayment period by selecting the drop down box and clicking on the appropriate period, either Weekly, Bi-Weekly, Quarterly, Semi-Annually, or Annually.

Changing The Payment Frequency

I hope you’ve found the 15 Year mortgage calculator useful and, as always, please leave a comment or suggestions on improvements or what other calculators you’d like to see on Online Calculators .

7 Year Mortgage Calculator

Money and Finance No Responses »

Aug 082011

This 7 year mortgage calculator makes it easy to calculate how much your payments will be, what amount you’ll pay back in total, and also how much interest you’ll pay over the 7 year term of your mortgage.

Using The 7 year Mortgage Calculator

The easiest way to illustrate the use of the 7 year mortgage calculator is to work through an example.

In our example we are purchasing a property for 300,000 and we have a deposit, or down payment, of 100,000, so we need to borrow 200,000. Our bank is willing to lend us this money at an annual interest rate of 3.5% and the interest will be calculated and compounded monthly. The payments will also be paid monthly.

Our first step is to enter in the total purchase price of the property, in this case, 300,000.

Purchase Price Of Property

Then we enter our deposit of 100,000, and the calculator automatically enters the mortgage amount we wish to borrow.

Down Payment Or Deposit

Next, we enter the annual interest rate at which the banks are willing to lend to us. Because we have a reasonable down payment, the banks have offered us an annual rate of 3.5%.

The next step is to choose, from the drop down list, how often the interest will be compounded. If you’re not sure, then just leave it at monthly as this is the usual compounding period.

What this means is that the banks apply interest to the loan on a monthly basis. It is approximately 1/12th of the annual rate. This matters to you because the more frequently the interest is compounded, the more often you pay interest on interest.

The final entry we need to make is to select how often we will make payments on the mortgage. Again, monthly is the usual frequency but you may pay bi-weekly, quarterly, or annually.

You will notice that there is no need to enter the term of the loan, as this calculator is for 7 year mortgages only.

After entering all our data into the 7 year mortgage calculator, the results are displayed below. The payment is shown, along with the total interest we will pay on the loan and the amount we will repay in total over the 7 year period of the mortgage.

Output From The 7 Year Mortgage Calculator

In our case, we borrowed 200,000, repaying 225,789.49 in total over the 7 year term, of which, 25,789.49 of that was interest.

Savings Calculator Monthly

Money and Finance No Responses »

Aug 062011

Work out how much your monthly savings will become with the savings calculator monthly. Just enter the rate your bank is offering, how much you want to save each month, and how many years you are going to save. The savings calculator has been designed for use by anybody in the USA, UK, Australia, or anywhere really, and as such has no specific currency.

Using The Savings Calculator Monthly

To calculate how much your monthly investment is going to become, follow these easy steps on the savings calculator:

If you want to add an initial lump sum to your investment, just enter this into the first box labeled “Initial Lump Sum Investment. There is no requirement to add anything here, so leave it blank if you aren’t making any initial investment.

Initial Investment

In the next box, enter the monthly amount you are going to save. In this example, I am going to be making a monthly investment of 50. I deliberately left the field generic so it applies to any currency.

After entering the monthly amount, your next entry is the annual interest rate that your bank, building society, or savings and loans company is offering. The savings calculator monthly will automatically convert it to an interest rate that is applied monthly. The interest is also compounded monthly. I am using a very generous 4.5% interest rate.

The final entry you need to make is the number of years over which you are going to maintain your monthly payment. For this example, I am going to use 10 years. If you are going to invest for a term that contains a partial year, for example, 10 years and 3 months, then you would enter the partial year as a decimal e.g. 10.25 yrs.

After entering your data, the results are automatically displayed below, showing the total amount you have saved, the interest you have earned over this time and finally, the current total value of your investment.

results From Using The Savings Calculator Monthly From these results using the savings calculator monthly savings of 50 at an annual interest rate of 4.5%, compounded monthly, over a period of 10 years, has resulted in a total return of 7,559.90, which is made up of the 6,000 we have invested over this period into the savings account, and 1,559.90 of interest that we have earned.

How Many Sleeps Calculator

Fun Calculators No Responses »

Aug 022011

Can you remember when you were young and the excitement of an event had you wondering how many sleeps there were to go before the event arrived?

Well, with the How Many Sleeps Calculator, you can easily find out the answer.

Maybe the question isn’t from you, it’s from your son or daughter wondering how many sleeps there are until Christmas, or their birthday. Either way, you can now easily calculate and show them the answer.

Using the How Many Sleeps Calculator

Enter in the event you are looking forward to in the Event box. For this example, we’ll use Christmas.

Event you're looking forward to

Enter the date of the event in, yep you guessed it, the Date Of Event box. No surprises for knowing this date!

Date Of Event

After you have entered the date, you can either click on the Calculate button or, if you press TAB after entering the date, it will automatically shift the focus to the button and you can press Enter on your keypad.

Calculate

The answer will automatically appear and it will be detailed below how many days there are until your actual event.

Result

Here are a few suggestions you can try:

How many sleeps until Christmas 2011?

How many sleeps until the start of the Olympics 2012? (27th July 2012)

How many sleeps until your holiday?

How many sleeps until your birthday?

Let me know of any other good ones.

Mortgage Calculator Canada

Money and Finance No Responses »

Jul 262011

Using The Mortgage Calculator For Canada

The only areas on the Canada mortgage calculator where you’ll need to enter any details are in the yellow shaded boxes.

Enter Your Mortgage Details

We’ll work through an example and I’ll explain what is required in each box of the calculator and what each entry means.

1. Enter into the “Purchase Price” box the price of the property you are buying. In this example, our buyer has purchased a $250,000 property.

2. If you are making a down payment, enter this into the “Deposit or Down Payment” box. If you are taking a 100% mortgage then you may leave this box blank. In our example we have made a down payment towards the property purchase of $50,000.

3. The loan amount will be calculated automatically at the end of this process, when you click on the calculate button, and it is this figure that the rest of the mortgage calculator calculations are based.

4. Enter into the “Annual Interest Rate” box the interest rate that your bank or lending institution has quoted you. A Canadian mortgage has the interest rate compounded semi-annually but you don’t need to worry about that as it is taken care of within the mortgage calculator calculations.

5. Enter the length, in years, over which you wish to repay the mortgage. You can enter any number of years up to 25, which is the maximum term to which I have set this calculator.

6. Enter the date on which you are going to make your first mortgage payment. If you don’t know this, just enter today’s date or a best guess as it is essential that we have a date in that box.

7. Once all those details have been entered, click on the calculate button, which is situated just above the mortgage details boxes.

Click On The Calculate Button

8. After clicking on the calculate button, the mortgage calculator Canada will display your calculated monthly payment . Underneath that will be a summary of your loan details including total amount payable over the term of the loan, how much interest you will pay in total, the total number of payments, and the date of your final payment.

Summary Of Your Loan

9. Underneath the summary of your loan, you will see that a table detailing the schedule of payments has been created. This shows the dates on which your payments are to be made and also the balance outstanding on your mortgage at any given time in the future.

10. I hope you find the mortgage calculator – Canada version useful. Please leave feedback as it’s the only way I’ll be able to continually improve OnlineCalculators.

Thanks.

Ideal Bodyweight Calculator

Health and Fitness No Responses »

Jul 252011

The idea behind the ideal bodyweight calculator is that after entering your current weight and bodyfat % to calculate your lean body mass, you use that figure along with your ideal bodyfat percentage to determine your ideal bodyweight, and also how many lbs or kg of fat you need to shed to get to that ideal weight without losing any of your lean body mass.

This calculation assumes that you neither gain or lose any lean body mass in the process of getting to your ideal bodyweight.

Click on the following link to go straight to the Ideal Bodyweight Calculator.

Using The Ideal Bodyweight Calculator

1. Using the calculator that suits your purposes best, either lbs or kg, first enter your current bodyweight and your current bodyfat percentage. In this example, I have a bodyweight of 182 lbs and 15% bodyfat.

Enter Your Current Bodyweight And Bodyfat %

As you can see, the calculator has now calculated my lean body mass to be 154.70 lbs.

2. I want to achieve a bodyfat percentage of 10% whilst retaining all the current muscle mass that I have. So I enter 10% into the “Desired Bodyfat %” box.

3. To achieve my goal of 10% body fat whilst retaining my current lean muscle, I will need to reach a target weight of 171.89 lbs. This weight loss will have to all come from fat, so I need to lose 10.11 lbs of fat.

Ideal Bodyweight And Fat Loss Needed

4. Now that I know how much fat I need to lose, I can design my training program accordingly and incorporate lots of aerobic work at my optimal fat burning heart rate.

Ideal Bodyweight Calculator

Fat Burning Heart Rate Calculator

Health and Fitness No Responses »

Jul 242011

The fat burning heart rate calculator will help you in determining what your target heart rate should be when you’re trying to burn off fat.

To burn off fat effectively you need to be exercising in an aerobic state, which is between 60% and 85% of your maximum heart rate. There are two methods of calculating your ideal fat burning heart rate which are;

1) The Age Predicted Method

As the name suggests, this method uses your age to determine first, your estimated maximum heart rate (EMHR), and then secondly, your fat burning heart rate, in beats per minute (bpm), depending on the level of intensity you wish to train at.

Although this method is simple to calculate, it lacks accuracy as it does not take into account your current level of fitness and assumes that everybody of the same age is at the same fitness level, which simply isn’t true. I’m the same age as Randy Couture (the UFC fighter) but I can guarantee I’m nowhere near his fitness level.

To overcome this limitation we take into account your resting heart rate (RHR) and use it in the next method which is;

2) The Karvonen Method

This method is the more accurate of the two as it takes into account the differing fitness levels of individuals by using the resting heart rate as one of the inputs to the fat burning heart rate calculator. This is subtracted from your maximum heart rate to give you your heart rate reserve (HRR). Your heart rate reserve (HRR) is multiplied by your required intensity level, and the resulting figure is added to your resting heart rate (RHR) to give you your target heart rate.

Using the Fat Burning Heart Rate Calculators

For both fat burning heart rate calculators, it is only necessary to enter details into the yellow shaded boxes. All the other data will be calculated automatically.

For the age predicted method, just enter your age and intensity level and your target heart rate will be displayed. Let’s use the following details as an example:

Age: 43

Intensity Level: 75%

The resulting target heart rate you will be trying to achieve would be 133 bpm as illustrated below.

When using the Karvonen method, the only other piece of information you need to enter is your resting heart rate. This is easily obtained by taking your pulse as soon as you get up in the morning, before any exercise or stimulants such as coffee. Enter this detail into the calculator, along with your age and required intensity level and your target heart rate will be displayed.

You may find that you will want to work within a range of heart rates rather than just one specific rate. To make it easier for you, and to prevent the need for you to perform multiple calculations, I have displayed a table at the bottom of the calculator detailing your target heart rate at intensity levels from 50% to 85% in increments of 5%.

Using the details from the example above, I will add in a resting heart rate of 65 bpm. We enter those details into the relevant boxes and the target heart rate of 149 bpm is returned, along with the table detailing the bpm’s for each intensity level.

I hope you find the fat burning heart rate calculator useful, and if you like it, please “Like It”.

If you have any suggestions or comments on this calculator, or you would like to see other calculators on this site, please leave your comments below. It would be great to hear from you.

Lean Body Mass Calculator

Health and Fitness No Responses »

Jul 222011

Using The Lean Body Mass Calculator

Decide whether you are going to determine your lean body mass in pounds (lbs) or kilos (kg) and use the relevant calculator. For this example I am going to use lbs and calculate both my lean body mass and my fat mass in lbs.
Enter your weight into the first highlighted box, labelled “Weight (lbs)”.

Click on the TAB key on your keyboard and it will take you to the next box, labelled ” Bodyfat %”. Enter your bodyfat percentage. You can enter it as 22 or 22%, it won’t make any difference to the calculation. After entering your bodyfat % hit TAB again or click outside the box.

The lean body mass calculator immediately calculates and displays not only your lean body mass, but also the weight you are carrying around with you that is purely fat.

As an example, let’s say you were currently 182 lbs and you had a bodyfat % of 19%. We enter 182 in the top highlighted box, TAB to the next highlighted box and enter 19, TAB again and we are immediately fed back that we have a lean body mass of 149.24 lbs and we are carrying around 32.76 lbs of fat.

If you make a mistake along the way, don’t worry. Just hit the reset button and the lean body mass calculator will go back to it’s original starting position with no data in it.

Now that you know what your lean body mass is, the next step is to decide what weight you want to be and then calculate how much fat you will need to lose to hit your target weight. Our Ideal Weight Calculator will be able to help you with that.

BMR Calculator For Women and Men

Health and Fitness 1 Response »

Jul 222011

To accurately determine your daily calorific needs you need to calculate your basal metabolic rate (BMR), using a BMR calculator, and then multiply this by your intended activity level.

There are two different formulas used in calculating your BMR, the first one is the Harris Benedict formula and the second is the Katch McArdle formula.

Of the two, the Katch McArdle formula is the more accurate as it takes into account your lean body mass. This is easy enough to calculate if you know your current bodyfat percentage, but don’t be too concerned if you don’t as the Harris Benedict bmr calculator is for women as well as men and you enter in your gender as one of the inputs needed.

The Basal Metabolic Rate Calculator – Harris Benedict Formula

This BMR calculator uses the following formulas:

For Men: BMR = 66 + (13.7 x wt in Kg) + (5 x ht in cm) – (6.8 x age in years)

For Women: BMR = 655 + (9.6 x wt in Kg) + (1.8 x ht in cm) – (4.7 x age in years)

You may or may not know your weight in kg or your height in cm, so for ease of use I have put a conversion calculator above the main BMR calculator just in case you need to use it.

Although the Harris Benedict formula is good, it tends to underestimate calorific needs for a muscular person and overestimates the calorific needs for a fat person. For this reason, the following calculator takes into account the lean body mass of the individual and is more accurate.

The Basal Metabolic Rate Calculator – Katch McArdle Formula

The Katch McArdle formula for calculating BMR is the same for women as it is for men and is as follows:

BMR = 370 + (21.6 x lean mass in kg)

Because the formula needs to know your lean mass in kg, I have placed a conversion calculator above the main calculator to help you generate those figures if you don’t already know them.

Now that you know your BMR, you need to multiply this figure by an activity factor depending on whether you lead an active or sedentary lifestyle and whether your goal is fat loss or muscle gain.

GPA Calculator – Calculate Your GPA at High School and College

Education No Responses »

Jul 162011

GPA Calculator For High School and College

GPA stands for grade point average and is a way of assessing your long term academic ability and your level of consistency over a period of time, and the GPA calculator here will assist you in calculating your GPA.

Click on the following link to go straight to the GPA Calculator.

Your GPA is calculated by assigning a numerical equivalent to each of the grades you receive for your subjects and then the total numerical equivalents are divided by the number of subjects.

Depending on your learning institution, the semester hours of your studied subjects may be taken into account when calculating your GPA.

In these cases the numerical equivalent is multiplied by the semester hours to achieve a quality points score. The quality points score is then divided by the number of semester hours to give us the grade point average.

The same grades obtained using the different gpa calculations will give out slightly different scores.

GPA Calculator

How To Use The GPA Calculator

The GPA calculator is initially loaded with a some hypothetical subjects, scores and their equivalent semester hours. This is just as an illustration and should obviously be changed as appropriate.

Start by entering the first subject you are studying under the heading “Subject”. The cell isn’t case sensitive, so you can use upper or lowercase letters as you choose.

Once that’s entered, press the TAB key on your keyboard which will take you to the next cell “Semester Hours”. Alternatively, you can use your mouse to click in the cell.

Type in the hours relevant to your subject.

Next, click on the drop down menu under the heading “Grade” and slect the grade you achieved for that subject.

Please note that the grades of “S” and “P” are not taken into account when calculating your grade point average.

You still need to record them if that’s the grade that you achieved but it won’t affect the final score.

The numerical equivalent and the quality points score will update automatically. Continue doing this for all your subjects until you have a score for every subject.

Once all the subjects,semester hours and scores are entered you will find your grade point average is calculated at the bottom.

There is a score where semester hours are taken into account and there is also a calculation where the semester hours are not taken into account.

I’ve also listed at the bottom the scale that I’ve used in the calculator. If you wish to change the scale you may do so by entering the relevant numbers next to the scores. For example, some learning institutions use 4.33 and 4.66 instead of 4.3 and 4.7 respectively.

If you need to reset the calculator back to the original figures just press the reset button at the bottom and if you’d like to print out your GPA calculated score just hit the print button.

OnlineCalculators.co

Ian

15 Year Mortgage Calculator

Using The 15 year Mortgage Calculator

7 Year Mortgage Calculator

Using The 7 year Mortgage Calculator

Savings Calculator Monthly

Using The Savings Calculator Monthly

How Many Sleeps Calculator

Using the How Many Sleeps Calculator

Mortgage Calculator Canada

Using The Mortgage Calculator For Canada

Ideal Bodyweight Calculator

Using The Ideal Bodyweight Calculator

Ideal Bodyweight Calculator

Fat Burning Heart Rate Calculator

Using the Fat Burning Heart Rate Calculators

Lean Body Mass Calculator

Using The Lean Body Mass Calculator

BMR Calculator For Women and Men

The Basal Metabolic Rate Calculator – Harris Benedict Formula

The Basal Metabolic Rate Calculator – Katch McArdle Formula

GPA Calculator – Calculate Your GPA at High School and College

GPA Calculator For High School and College

GPA Calculator

How To Use The GPA Calculator

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