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Home Calculators for Family Planning

Expenses are a fact of life. While you cannot escape paying bills and purchasing items to support your family, you can plan for these expenses. Utilize calculator tools to estimate expenses, which can help you plan for them. From raising children to maintaining a car to estimating your mortgage, expenses seem more manageable when you use a calculator to plan for them. With careful planning, you may be able to make your income stretch further.

Children, Daycare, and Homeschooling

Raising children requires significant expenditures. Plan for these expenses by using calculator tools that will help you estimate the money you will need to spend. If you place your children in daycare, you may want to estimate this expense. Some families wish to explore their options, comparing the expenses involved with childcare with having one parent stay home to care for children. Families who homeschool children can also project expenses involved with this choice of education style.

• - ChildCare Aware provides a budgeting calculator to help families determine if they can afford child care.
• - Calculate expenses to determine whether you can afford to stay at home with your children.
• - Qualistar Colorado provides resource links for families exploring child care options.
• - Learn whether you qualify for a tax credit for child or dependent care.
• - Organize the family with tips and basic guidelines for every room in the house.
• - The United States Department of Agriculture provides a tool to calculate the costs of raising a child.
• - Explore the expenses associated with raising a child using a tool offered by CNN Money.
• - This calculator enables you to determine whether you currently earn a living wage or whether you are living in poverty.
• - When exploring child support obligations, use this tool to calculate what you might pay.
• (PDF) - Review information provided in this publication to explore the costs of raising a child.
• - Learn about how courts determine the amount of child support for a child.
• - Explore the costs to homeschool a child throughout the entire academic career.

Groceries, Utilities, and Automobiles

It may help to allocate a specific percentage of your income for expenses. For example, you might wish to spend no more than 18 percent of your income on food. Your utility expenses can combine with other housing expenses to be less than 40 percent of your income. A goal for automobile and transportation expenses may be to keep these costs at no more than 10 percent of your total income.

• - The Washington Post offers a budget worksheet for consumers.
• - Measure your family income to help spread it across your family's expenses using this tool.
• - Enter your monthly expenses into this calculator to create a family budget.
• - Learn the income your family needs to meet your expenses using this calculator.
• - Use this calculator to determine your life insurance needs.
• - Prepare for car ownership by learning the overall expenses involved in owning a car.
• - Learn about hidden costs of car ownership using this calculating tool.
• - Car ownership is the second biggest household expense in the United States. Learn about the costs associated with owning a car using this calculating tool.
• - Kelley Blue Book offers information about typical cost-to-own expenses over a five-year period.
• - Consumer Reports provides information about car ownership.
• (PDF) - Learn about the costs involved with driving with information provided by AAA.
• - The Iowa State University offers a budgeting tool to help families determine what they should spend on groceries.
• - Use the tool provided by Mother Jones to determine whether food spending is appropriate.
• - Wells Fargo recommends tracking expenses to create a monthly budget.
• - The Internal Revenue Service offers information about food, clothing, and other expenses at national standards.
• - Determine your savings by growing your own food using information provided on this website.
• (PDF) - Explore typical utility expenses to estimate the costs of operating your home.

Home Affordability, 澳门金沙娱乐城官网s, and Repairs

Owning a home is a common goal for many consumers. Before proceeding with a mortgage, it's prudent to determine how much you can afford in a house payment. Your total housing expenses include your mortgage or rent payment, homeowner's or rental insurance, and utilities such as heat and electricity. You may also wish to perform home renovations to make improvements to your home. Before proceeding with a home improvement project, utilize a calculator to estimate the costs involved.

• - Explore various calculators available to estimate the cost of home renovation.
• - Home Advisor provides calculators to estimate the expense of home improvements such as installing carpet or painting.
• - Before beginning a home improvement project, learn how much it might cost using this tool.
• Down Payments - resources to help homeowners figure their required downpayment and save to reach their homeownership goal.
• - Enter basic information to learn estimated tax liability.
• - Estimate your tax refund by entering information into this calculating tool.
• - This free tax calculator will provide an estimate of taxes or refund due.
• - This website offers a variety of tax calculators to help people estimate estate taxes, self-employment taxes, or earned income tax credit.
• - Explore a collection of tax calculators to help you estimate your taxes.
• - Estimate marriage bonus and penalty taxes using this calculating tool.

Health and Wellness

Maintaining your health and paying for health care is an integral part of life. Staying healthy often necessitates ongoing health care from physicians and other health professionals. Health insurance can make this care possible, but you will need to add this expense into your budget. Estimate health insurance and other expenses using calculating tools.

• - Calculate an estimate of health insurance premiums using this tool.
• - Use WebMD's health insurance calculator to determine whether you can afford health insurance.
• - Explore health care costs using this calculating tool.
• - Enter your basic information into this tool to determine what benefits you might be able to receive.
• - Determine whether you can save money by utilizing the Health Insurance Marketplace.
• - Learn what health insurance might cost you using the resources offered on this website.
• - National Public Radio offers a calculating tool to help consumers explore health insurance costs.
• - Medical Mutual offers assistance to consumers for exploring health insurance costs.

Vacations, Sports, and Recreation

Recreation is an important part of family activities. Plan expenses involved with recreation and sports, including vacations and trips. You might set aside a specific amount to save each month to pay for a planned vacation. Use calculator tools to estimate the cost of trips and travel. Some calculators help you devise a savings plan to pay for a vacation.

• - The U.S. Department of Energy provides a tool for calculating the expenses involved with road trips.
• - Estimate travel expenses using this travel budget calculator.
• - Plan a vacation by exploring the expenses involved to ensure that you can afford the trip.
• - Use this calculator to estimate the costs of traveling between two locations.
• - This calculating tool provides an estimate of gas costs to travel between two locations.
• - When planning a Disney vacation, use this tool to estimate the costs of your trip.
• - Use this tool to help you devise a savings plan to prepare for a vacation.
• - Create a spending plan to help you achieve financial goals.
• (PDF) Plan expenditures associated with a special needs child.

Long-Term Planning

Long-term planning is also an important part of financial management. When you have children, you may wish to start a college fund to save for their advanced education. Savings calculators can help you estimate how a savings plan will grow with regular deposits. You can also plan for retirement using various calculating tools. Some tools help you determine how much you should save based on the amount of money you will need. Other tools help you estimate how your retirement savings will grow depending on how you invest your money.

• - Use this calculator to estimate upcoming college costs.
• - Devise a savings plan using these savings calculators.
• - Prepare for college expenses by planning how you will save to pay for it.
• - Treasury Direct provides a calculator to enable you to estimate your savings bond earnings.
• Savings Goal - Make savings goals using this tool to estimate your progress.
• - Vanguard offers consumers a tool for calculating the income needed during retirement.
• - Plan investments to pay for retirement using this calculator.
• - John Hancock Investments provides a calculating tool to plan college savings.
• - Use this Raymond James calculator to prepare for college expenses.