Money basics calculators to see where you stand

Anything you own that has value: cash, checking and savings balances, retirement and investment accounts, and the market value of a home, vehicle or other property. Use realistic values, not the price you paid. Debts such as loans and card balances are subtracted to get net worth.

It is common, especially early in a career or after taking on student loans or a mortgage. What matters more is the direction over time. Rerun the net worth calculator every few months to see whether the figure is rising.

There is no single right figure, because it depends on income, goals and stage of life. The useful thing is to know your rate and raise it when you can. The savings rate calculator shows the share of your income you are saving now.

Divide 72 by an annual rate of return to estimate how many years it takes money to double. At 6%, that is about 12 years. It is an approximation that works best for rates between about 6% and 10%; the Rule of 72 calculator compares it with the exact figure.

Multiply your hourly rate by the hours you work each week, then by 52. At 40 hours a week, that is 2,080 hours a year. Paid time off, overtime and unpaid weeks change the result, which the hourly to salary calculator lets you adjust.

No. It is an educational estimate based on answers you type in about your credit habits. It does not access your credit file or affect your score. For your actual reports, use the free federally authorized source listed on our resources page.

Inflation raises the prices of what you buy, so the same income covers less over time unless it rises too. The inflation calculator shows what a dollar amount today would need to be in the future to buy the same things.

A quick check each month and a fuller review when your income, rent or a major expense changes. Updating the budget planner and savings rate figures takes a few minutes and shows whether your plan still fits. Small, regular check-ins catch problems before they grow.