Free online financial calculators to get debt under control, plan for retirement and see your net worth

If you need help managing your money, you’ve come to the right place. We have tons of financial tips for investors and small business owners. Case in point: Here are 10 free spreadsheet templates to help you get a handle on your money.

Scroll down for some of our favorite free online financial calculators brought to you by our sponsor, NetSuite.

1. Wrangle your debt with one of the web’s best free online finance calculators

NerdWallet has helpful tools you should check out. If you want to pay off debt, you’ll want an idea of a realistic timeframe. With NerdWallet’s tool, you can enter things like types of debt, remaining balances, taxes owed and gross annual income.

This calculates your debt load so you know what you’re dealing with. Comparing debt load to income can clarify your path. Underneath the calculator, you’ll find a few helpful debt strategies and links to a quick quiz to help you find a faster way to pay off debt.

2. Plan for retirement

Can a TI 84 be used as a financial calculator? It's harder to use than a financial calculator. Check out these free tools online for money help.

Want to get a personalized snapshot of what your finances will look like if you retire? AARP has you covered. It has a retirement calculator that lets you know if you’re saving enough.

Just answer a few questions about your salary, savings, household status and more. You’ll find out how much money you need to live a comfortable retirement.

3. Net worth calculator

Looking for the internet's best free online finance calculator? Take Charge America, Omni Calculator and the AARP Retirement Calculator are useful tools.

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How to rock a remote interview: Tips for shining over the phone or on video

Remote interviews are the present and the future. Why? The pandemic forced many companies nationwide to move to a remote system nearly overnight.

Now that we’ve been operating remotely for a while, many employers have seen the positive benefits of having remote employees. Increased productivity is one of them.

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Capt. Grace Hopper on future possibilities: Data, hardware, software and people (Part 2, 1982)

Part 2 of “Future Possibilities: Data, Hardware, Software and People,” presented by Capt. Grace Hopper at NSA in 1982.

Stop creating the same proposal from scratch: In Google Docs, create a template with placeholders like “[client name]” or “[date].” To reuse it, go to File > Make a copy. In Word, create your doc, then select File > Save As > Word Template. Open it for future proposals, fill in the placeholders and save it like normal. Genius.

Set up a digital holiday cookbook

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Don’t let cherished family recipes get lost! It’s easier than you think to digitize handwritten favorites, organize them in a digital “Family Cookbook,” and keep them accessible for future generations. Listen now!

 

💎 Diamonds are data’s BFF: Chinese researchers created a diamond optical disc with the same storage as 2,000 Blu-ray discs. That’s ideal for big data projects like AI and means your info can be stored for millions of years without degrading. It makes you wonder what future data explorers might say about us.

3.5 days 

Workweek of the future, predicted by JPMorgan Chase & Co.’s CEO. Jamie Dimon says up to 70% of employees’ tasks will be automated by AI, so there’s no need for long hours. Meanwhile, Goldman Sachs predicts about 300 million jobs will evaporate thanks to AI. Embrace the future or you’ll be left in the past.

Capt. Grace Hopper on future possibilities: Data, hardware, software and people (Part 1, 1982)

Part 1 of “Future Possibilities: Data, Hardware, Software and People,” presented by Capt. Grace Hopper at NSA in 1982.

🥽 So long, farewell: Microsoft is pulling the plug on its HoloLens headsets, once promised to power the future of virtual worlds. Womp, womp. The HoloLens 2 will receive security and software updates until the end of 2027. If you own the original HoloLens, software support ends Dec. 10. Don’t buy one if you see it on sale.

Hope for the future: Scientists are developing AI tools to monitor brain health and catch early signs of dementia before symptoms appear. Think headbands or caps that track brain activity, with AI algorithms that spot subtle patterns. In one study, AI identified Alzheimer’s disease with over 90% accuracy. Isn’t that something?!

Passwordless future: Google now lets you log into Android, Windows, macOS and Linux devices without a password. Instead, you’ll use a passkey stored in Google Password Manager, which can be authenticated via fingerprint, face scan or screen lock. Chrome and iOS support coming soon.

🧱 Keep calm and Lego on: Lego wanted to ditch paper instructions and go all digital, hoping to play their part in building a sustainable future. Fans said, “No way,” so paper instructions aren’t going anywhere … for now. Gift idea: If you haven’t seen the Lego sets for adults, these are amazing. I gifted some last year and everyone loved them.

We may receive a commission when you buy through our links, but our reporting and recommendations are always independent and objective.

Clear activity from businesses you visit off Facebook: You read that correctly. With the right permissions, FB can track you IRL.

  • Open Facebook on your computer and click your profile pic in the upper right. Tap Settings & privacy > Settings.
  • Click View next to Off-Facebook activity, then tap Clear previous activity.
  • Next, tap Manage future activity and select Disconnect future activity.

The future is hybrid

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Volvo just dropped its all-electric plan, joining other carmakers moving away from EVs. With limited charging stations and a focus on hybrids, the push for electric cars is losing steam.

Amazing Grace: Meet Grace Hopper, the legendary computer scientist and U.S. Navy rear admiral, who gave a lecture in 1982 called “Future Possibilities: Data, Hardware, Software and People.” This iconic talk has been unavailable to the public because it was stuck on outdated AMPEX tapes. Now, it’s digitized. Here’s Part 1 and here’s Part 2.

📚 Turn “da-da” into data: Get your kiddo ready for the future (and AI) with these 30 free STEM resources. The list includes apps, games and classes to teach youngsters stuff like coding, aeronautics, mathematics and, yes, data science.

Kids shouldn't learn computer coding

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Coding was once hailed as essential for future careers, but AI advancements are quickly changing that. 

Need a good story? I sat down with Noland Arbaugh, the first Neuralink brain chip implant patient. This brave guy shared the risks, including the possibility of the device being hacked, the application process and his hopes for the future. Check out the full exclusive interview on The Daily Mail. Give it a share and comment for me so my editor there asks me for more fabulous interviews like this one!

Same ol’ privacy dance: Instagram collects your data when you’re using other apps and websites … and buries it in the settings menu. To disable that, open Instagram > tap your profile picture > three-line menu > Accounts Center at the top. Choose Your information and permissions > Your activity off Meta technologies. From here, choose Clear previous activity and Manage future activity to turn it off.

On | The Secret of LightSpray™ | Dream Together

The future of high-performance running is here. Lighter. Faster. Less waste. No distractions. Watch the short film, “The Secret of LightSpray™,” now. Discover more about LightSpray™: https://on.com/lightspray#film