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Online Calculators |
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Financial calculators and health calculators are great self screening and
self education tools. Use online financial calculators to find out how much your mortgage
payments, auto payments, or any loan payment will be. Find out how much you can afford
to pay for a house or car before talking to a realtor or car salesman! You can create
a plan to get your debts paid off quickly too.
Use online health calculators to learn more about your personal health and
how to make safe, effective changes in your fitness, exercise, and nutrition habits
to improve your overall health.
We offer online calculators to service almost every industry.
If you don't see a calculator you need,
a detailed description of what you need and we may add it.
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Not looking for online calculators? Check out our full list of
online assessments for health and parenting.
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Mortgage Calculators
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Mortgage PITI
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| How much will my actual mortgage payment be, including taxes and insurance? |
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Calculate the monthly payments for a mortgage including principal, interest, taxes and insurance (PITI). Enter your sale price, down payment, the interest rate and the term of the loan. This calculator will then show you the monthly principal and interest payment, the total amount of interest you will pay and the total amount of money you will spend over the life of the loan. You can also enter the points and other closing costs and roll those into your loan. Enter the anticipated costs for property tax, homerowner's insurance, and PMI (Private Mortgage Insurance) to get a much more accurate monthly mortgage payment than just principal and interest (P&I). You can even enter an additional payment amount you intend to pay each month to work down your principal and the calculator will show you the anticipated payoff time. You can display and/or print the entire amortization schedule for your loan.
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Date Calculators
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Find Age On Date
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| How old will I be on a given date? |
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Will you be old enough to take Driver's Ed when the class starts next term? Or will you qualify to begin drawing retirement funds by the date you plan to retire? Enter your birthdate and any other date and this calculator will tell you exactly how old you will be on that date and how long before that date gets here.
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Mortgage Calculators
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Mortgage Payment
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| How much will my mortgage payments be? |
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Calculate the monthly payments for a mortgage loan. Enter your sale price, any down payment you're making, the interest rate and the term of the loan. This calculator will then show you the monthly principal and interest payment, the total amount of interest you will pay and the total amount of money you will spend over the life of the loan. You can also enter the points and other closing costs and roll those into your loan. You can even enter an additional payment amount you intend to pay each month to work down your principal and the calculator will show you the anticipated payoff time. You can display and/or print the amortization schedule for your loan.
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Mortgage Comparison
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| Help me compare mortgages with different terms. |
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Calculate and compare (formatted side by side) the monthly payments for up to 4 mortgage loans. Enter your sale price, any down payment you're making, the interest rate and the term of each loan. This calculator will then show you the monthly principal and interest payment, the total amount of interest you will pay and the total amount of money you will spend over the life of each loan. You can also enter the points and other closing costs and roll those into your loans. You can even enter an additional payment amount you intend to pay each month to work down your principal and the calculator will show you the anticipated payoff time.
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Date Calculators
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Find Date Given Age
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| What date will I turn a specific age? |
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What date will you turn 59 and a half, the age you can begin drawing from your retirement funds? Or what date will you turn 15 and 9 months so you can take Driver's Ed? Enter your birthdate and the age you want to know about and this calculator will tell you the date you will be that age and how long before that date gets here.
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Days Until Next Birthday
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| How many days are there until my next birthday? |
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How many days are there until your next birthday or someone else's birthday? (You need to know so you can order that gift and it will arrive on time.) Enter today's date (or any other date) and your birthdate and this calculator will tell you how many days there are until the next birthday. It also shows how old you will be on the next birthday.
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Mortgage Calculators
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Mortgage Refinance
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| How could refinancing my mortgage affect my payment or payoff time? |
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Use this calculator to help determine if you should refinance your mortgage. Enter your current mortgage principal and interest payment, your current mortgage balance, the new interest rate, term of the refinanced loan, points and closing costs. This calculator will then show you the new monthly principal and interest payment amount, the amount of money you can save each month and how many months you will pay on the new loan before you actually start saving money (months to break even). (Note: this calculator may show negative monthly savings and months to break if your monthly payment actually goes up. That may happen if the interest rate is higher or the length of your refinanced loan is shorter - for instance, if you refinance a 30 year loan to a 15 year loan.) You can display and/or print the amortization schedule for your loan.
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Mortgage Refinance Comparison
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| Help me compare mortgage refinances with different terms. |
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Calculate and compare (formatted side by side) up to 4 mortgage refinance loans to help determine if you should refinance your mortgage. Enter your current mortgage principal and interest payment, your current mortgage balance, the new interest rate, term of the refinanced loan, points and closing costs. This calculator will then show you the new monthly principal and interest payment amount, the amount of money you can save each month and how many months you will pay on the new loan before you actually start saving money (months to break even). (Note: this calculator may show negative monthly savings and months to break if your monthly payment actually goes up. That may happen if the interest rate is higher or the length of your refinanced loan is shorter - for instance, if you refinance a 30 year loan to a 15 year loan.)
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Date Calculators
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Find Future Date
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Find out what the date will be so many days, weeks, months or years in the future. You can find the exact future date when your purchase return period ends or the warranty expires.
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Mortgage Calculators
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Adjustable Rate Mortgage (A.R.M.)
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| How much might my payments be with an adjustable rate mortgage? |
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Calculate the monthly payments for an adjustable rate mortgage (A.R.M.) loan. Note that this calculator is designed to show you the worst case scenario or maximum possible payout for an A.R.M., which is not likely to actually happen. The calculator has the interest rate always go up after the minimum length between steps and it always goes up the maximum step percent until the interest rate reaches the maximum. Enter your sale price and any down payment you're making. Then enter the initial fixed interest rate and the guaranteed fixed rate length, the maximum interest rate adjustment and the minimum length of time between adjustments, and the maximum interest rate for the loan. Also enter the length of the entire loan. This calculator will then show you the initial fixed rate monthly principal and interest payment, your maximum monthly principal and interest payment, the total amount of interest you will pay and the total amount of money you will spend over the life of the loan. You can also enter the points and other closing costs and roll those into your loan. You can even enter an additional payment amount you intend to pay each month to work down your principal and the calculator will show you the anticipated payoff time. You can display and/or print the amortization schedule for your loan.
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A.R.M. Comparison
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| Help me compare adjustable rate mortgages with different terms. |
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Calculate and compare (formatted side by side) the monthly payments for up to 4 adjustable rate mortgage loans. The calculator has the interest rate always go up after the minimum length between steps and it always goes up the maximum step percent until the interest rate reaches the maximum. Therefore, this calculator is designed to show you the worst case scenario or maximum possible payout for an A.R.M., which is not likely to actually happen. Enter your sale price, any down payment you're making, the initial fixed interest rate and the guaranteed fixed rate length, the maximum interest rate adjustment and the minimum length of time between adjustments, the maximum interest rate and the entire length of each loan. This calculator will then show you the initial fixed rate monthly principal and interest payment, your maximum monthly principal and interest payment, the total amount of interest you will pay and the total amount of money you will spend over the life of each loan. You can also enter the points and other closing costs and roll those into your loans. You can even enter an additional payment amount you intend to pay each month to work down your principal and the calculator will show you the anticipated payoff time.
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Bi-Weekly Mortgage Payment
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| How much will my payments be with a true bi-weekly mortgage loan? |
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Calculate the payment amount for a bi-weekly (every 2 weeks) mortgage loan. Bi-Weekly mortgages may work well if you get paid every 2 weeks (i.e. every other Friday) and want to make a payment on your home each payday instead of just once a month. Note that this is a true bi-weekly calculation amortized over the length entered. It is not necessarily the same as paying half a monthly mortgage payment every 2 weeks, which would pay the loan sooner than its original length. Enter your sale price, any down payment you're making, the interest rate and the length of the loan. This calculator will then show you the bi-weekly principal and interest payment, the total amount of interest you will pay and the total amount of money you will spend over the life of the loan. You can also enter the points and other closing costs and roll those into your loan. You can even enter an additional payment amount you intend to add to each bi-weekly payment to work down your principal and the calculator will show you the anticipated payoff time. You can display and/or print the amortization schedule for your loan.
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Bi-Weekly Mortgage Comparison
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| Help me compare bi-weekly mortgages with different terms. |
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Calculate and compare (formatted side by side) the payment amounts for up to 4 bi-weekly mortgage loans. Enter your sale price, any down payment you're making, the interest rate and the term of each loan. This calculator will then show you the bi-weekly principal and interest payment, the total amount of interest you will pay and the total amount of money you will spend over the life of each loan. You can also enter the points and other closing costs and roll those into your loans. You can even enter an additional amount you intend to add to each payment to work down your principal and the calculator will show you the anticipated payoff time.
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Interest-Only Mortgage Payment
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| How much will my payments be with an interest-only mortgage? |
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Calculate the payment amount for an interest-only mortgage loan. An interest-only loan pays no principal in the early years of the loan then converts to a traditional amortized loan for the remainder of the mortgage length. The payments are lower during the interest-only period since no principal is being paid. The payment goes up sharply after the interest-only period since you must pay the balance of principal plus interest during the remaining loan years. Enter your sale price, any down payment you're making, the length of the loan, and the points and closing costs. Then enter the interest rates, lengths, and any additional principal amounts you plan to pay each month for the interest-only and amortized periods of the loan. This calculator will then show you the monthly payment amounts for the interest-only and amortized periods. It will also calculate the total amount of interest you will pay, the total amount of money you will spend over the life of the loan, and the anticipated payoff time. You can also display and/or print the full amortization schedule for your loan.
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Interest-Only Mortgage Comparison
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| Help me compare interest-only mortgages with different terms. |
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Calculate and compare (formatted side by side) the payment amounts for up to 4 interest-only mortgage loans. Enter your sale price, any down payment you're making, the interest rates and the lengths for the interest-only and amortized periods for each loan. This calculator will then show you the interest-only and amortized (after interest-only period) payment amounts, the total amount of interest you will pay and the total amount of money you will spend over the life of each loan. You can also enter the points and other closing costs and roll those into your loans. You can even enter additional payment amounts during the interest-only and amortized periods and the calculator will show you each loan's anticipated payoff time.
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Balloon Payment
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| How much will my monthly payments and payoff amount be with a balloon mortgage? |
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Calculate the monthly payments for a balloon mortgage loan. Enter your sale price, any down payment you're making, the interest rate, the length of balloon payments, and the amortized length used to calculate the monthly payment. This calculator will then show you the monthly principal and interest payment, the final balloon payment amount, the total amount of interest you will pay and the total amount of money you will spend over the life of the loan. You can also enter the points and other closing costs and roll those into your loan. You can even enter an additional payment amount you intend to pay each month to work down your principal to reduce the final balloon payment amount. You can display and/or print the amortization schedule for your loan.
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Balloon Payment Comparison
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| Help me compare balloon mortgages with different terms. |
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Calculate and compare (formatted side by side) the monthly payments and final balloon payment amount for up to 4 balloon mortgage loans. Enter your sale price, any down payment you're making, the interest rate, the length of balloon payments, and the amortized length used to calculate the monthly payment. This calculator will then show you the monthly principal and interest payment, the final balloon payment amount, the total amount of interest you will pay and the total amount of money you will spend over the life of each loan. You can also enter the points and other closing costs and roll those into your loans. You can even enter an additional payment amount you intend to pay each month to work down your principal to reduce the final balloon payment amount.
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Mortgage Qualification
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| What home price can I afford? |
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Use this calculator to help you determine the most expensive house you would qualify for. Enter your monthly income, all monthly debt expenses (credit card payments, car payments, loan payments, and any other expenses), and information about your mortgage (down payment amount, loan term, interest rate, property tax rate, private mortgage insurance (PMI), and monthly association dues). This calculator will then show you the highest monthly payment you can afford and the highest priced home you can afford to keep your total monthly housing expenses less than 28% and your debt ratio less than 36% of your total gross monthly income. In general, most lenders do not want your total monthly housing expenses (including property taxes, private mortgage insurance (PMI), and association dues) to exceed 28% of your total gross monthly income. And your total debt ratio cannot exceed 36% of your total gross monthly income.
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Mortgage Early Payoff
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| I'm interested in paying off my mortgage early, how much additional should I pay each month to pay off my home by the time I choose? |
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How much additional would you need to pay each month to pay off a home mortgage in a certain number of years and months? Run this calculator to find out your mortgage early payoff time. Enter your mortgage balance, the principal and interest amount of your current monthly payment, the interest rate, and the desired number of years and months to pay off the home and this Mortgage Early Payoff calculator will show you how much additional you must pay each month to meet that payoff time. It also shows how much time and money you will save by paying off the mortgage early vs. paying as scheduled.
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Existing Mortgage Payoff
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| How will my existing mortgage be affected if I make extra mortgage payments to pay down the mortgage? |
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If you want to pay down a loan ahead of schedule by adding a fixed amount to each payment, this extra payment calculator will show you how much quicker you'll reach loan pay off time and how much money you'll save. Almost every other loan pay off calculator out there uses initial loan amount, rate, date and term of loan. They assume you have not made any additional payments to your principal. If you have, your balance will not match and your answer will not be accurate. This one is smart enough to take that into consideration and use only your current balance, loan rate and payment amount. Accurate data to begin with gives an accurate answer. (Thanks user Jeff for noticing and pointing that out!)
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Existing Mortgage Analysis
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| How long have I been paying my mortgage? How much have I paid and how much more remains? |
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Are you paying on a loan and wondering how long you've been paying or how much longer you'll be paying? Just enter your loan balance, interest rate, the original length of the loan, and the current monthly payment and this calculator will show you how long you've been paying and the remaining time to payoff, as well as how much interest and the total paid so far and how much interest and the total remaining to be paid.
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Debt Ratio
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| What is my debt to income ratio or debt ratio? |
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Calculate your debt to income ratio or what percentage of your monthly income is used to pay fixed monthly costs. Enter your monthly income, monthly rent or mortgage expense, and other monthly expenses. This calculator will then show you your debt to income ratio which is the percentage your monthly income goes to pay monthly debts and expenses. In general, most mortgage lenders do not want your total monthly housing debt ratio or housing expenses (including property taxes, private mortgage insurance (PMI), and association dues) to exceed 28% of your total gross monthly income. And your total debt to income ratio percentage cannot exceed 36% of your total gross monthly income.
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Available Home Equity
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| How much equity do I have in my home and how much could I borrow? |
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Find out how much equity you currently have with your home or real estate and how much you could borrow against that equity. Enter your home or real estate's current market value, the amount of debt that is currently secured using the property as collateral, and the maximum percentage of market value you could borrow and let this calculator give you the numbers you need to make decisions regarding your home's equity.
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Loan Calculators
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Loan Payment
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| How much will my loan payments be? |
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This is a basic loan calculator. Thinking of getting a loan to buy that $25,000 boat? Enter the loan amount, interest rate, and term of the loan into this calculator and it will show you the monthly payment amount, the total interest you will pay, and the total amount you will pay over the length of the loan so you can see the actual cost of that "$25,000" boat. You can even enter any additional payment amount you intend to pay each month to work down your principal and the calculator will show you the anticipated payoff time. You can also display and/or print the amortization schedule for your loan.
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Loan Comparison
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| Help me compare loans with different terms. |
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Compare up to 4 loans side by side with this calculator. Enter the loan amount, interest rate, and term of each loan and this calculator will show you the payment amount, the total interest you will pay, and the actual cost for each loan. You can also enter any additional principal amount you intend to pay each month and the calculator will show you each loan's anticipated payoff time.
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Loan Early Payoff
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| I want to pay down my loan early, how much additional should I pay each month to pay down the loan by the time I choose? |
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How much additional would you need to pay each month to pay down a loan in a certain number of years and months? Run this pay off loan calculator to find out your early loan pay off time. Enter your loan balance, your current monthly payment, the interest rate, and the desired number of years and months to pay down the loan and this extra payment calculator will show you how much additional you must pay each month to meet that loan pay off time. It also shows how much time and money you will save if you pay off the loan early vs. paying as scheduled.
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Existing Loan Payoff
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| I have a loan payoff goal and want to see how fast making larger payments can pay down the loan and how much interest I can save. |
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If you want to pay down a loan ahead of schedule by adding a fixed amount to each payment, this extra payment calculator will show you how much quicker you'll reach loan pay off time and how much money you'll save. Almost every other loan pay off calculator out there uses initial loan amount, rate, date and term of loan. They assume you have not made any additional payments to your principal. If you have, your balance will not match and your answer will not be accurate. This one is smart enough to take that into consideration and use only your current balance, loan rate and payment amount. Accurate data to begin with gives an accurate answer. (Thanks user Jeff for noticing and pointing that out!)
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Existing Loan Analysis
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| How long have I been paying on my loan? How much have I paid and how much more remains? |
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Are you paying on a loan and wondering how long you've been paying or how much longer you'll be paying? Just enter your loan balance, interest rate, the original length of the loan, and the current monthly payment and this calculator will show you how long you've been paying and the remaining time to payoff, as well as how much interest and the total paid so far and how much interest and the total remaining to be paid.
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Simple Loan Payment
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| How much will my loan payments be? |
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This is a very simple loan payment calculator. Enter the loan amount, interest rate, and length of the loan into this calculator and it will show you the monthly payment amount.
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Simple Loan Payoff Time
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| When will my loan be paid off? |
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Know the payment amount but not how long you are expected to pay that amount? Enter the monthly payment amount, loan amount, and interest rate into this calculator and it will show you how long you will pay on the loan.
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Simple Loan Amount
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| What is the loan amount? |
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An advertisement shows you the monthly payment amount and how long you'll pay that amount. And you can find the interest rate in the fine print at the bottom of the ad. But the actual price or loan amount is never mentioned. Sound familiar? Enter the monthly payment amount, the interest rate, and length of the loan into this calculator and it will show you the loan amount.
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Simple Loan Rate
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| What is the interest rate for my loan? |
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Need to find out the interest rate for a loan? Enter the loan amount, monthly payment amount, and the length of a loan into this calculator and it will show you the interest rate being charged.
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Auto Calculators
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Auto Payment
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| How much will my auto payments be? |
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There's more to figuring out actual auto loan payments than just calculating the payments on the vehicle's sticker price. Use this calculator to find out how much your auto loan payments will be. Enter the price of the vehicle, the sales tax percentage you will pay on the new vehicle, and other charges that will be financed, like tags and registration, or dealer prep and delivery charges. Then enter any cash, trade-in, and dealer rebates that you will use as a down payment and the interest rate and length of the loan you are considering. You can even enter an additional amount you intend to add to your payment each month to work down your principal and the calculator will show you the anticipated payoff time.
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Auto Payment Comparison
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| Help me compare auto loans with different terms. |
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Calculate and compare (formatted side by side) the payment amounts for up to 4 auto loans. Use this calculator to help compare interest rates or see the effect of putting more money as a down payment. This calculator is also good for comparing lower-interest deals with cash back offers. ("Should I take the cash rebate and get a loan with a higher interest rate?") You can also see quickly what happens if you apply your trade-in and/or dealer rebate to the down payment or pocket it for something else.
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Auto Affordability
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| What auto price should I be looking for? |
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Before you go shopping for a new car, use this calculator to help you determine the sticker price you should be looking for. Enter the maximum monthly payment you can afford, the sales tax percentage you will pay on the new vehicle, and other charges that will be financed, like tags and registration, or dealer prep and delivery charges. Then enter any cash, trade-in, and dealer rebates that you will use as a down payment and the interest rate and length of the loan you are considering. This calculator will then show you the maximum vehicle price and the loan amount that will keep your payments close to what you entered.
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Auto Loan Early Payoff
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| I have an auto loan pay off goal and want to see how fast making larger payments can payoff the auto loan and how much interest I can save. |
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How much additional would you need to pay each month to pay down a loan in a certain number of years and months? Run this pay off loan calculator to find out your early loan pay off time. Enter your loan balance, your current monthly payment, the interest rate, and the desired number of years and months to pay down the loan and this extra payment calculator will show you how much additional you must pay each month to meet that loan pay off time. It also shows how much time and money you will save if you pay off the loan early vs. paying as scheduled.
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Existing Auto Loan Payoff
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| I have an auto loan payoff goal and want to see how fast making larger payments can pay off the auto loan and how much interest I can save. |
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If you want to pay down a loan ahead of schedule by adding a fixed amount to each payment, this extra payment calculator will show you how much quicker you'll reach loan pay off time and how much money you'll save. Almost every other loan pay off calculator out there uses initial loan amount, rate, date and term of loan. They assume you have not made any additional payments to your principal. If you have, your balance will not match and your answer will not be accurate. This one is smart enough to take that into consideration and use only your current balance, loan rate and payment amount. Accurate data to begin with gives an accurate answer. (Thanks user Jeff for noticing and pointing that out!)
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Existing Auto Loan Analysis
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| How long have I been paying my auto loan? How much have I paid and how much more remains? |
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Are you paying on a loan and wondering how long you've been paying or how much longer you'll be paying? Just enter your loan balance, interest rate, the original length of the loan, and the current monthly payment and this calculator will show you how long you've been paying and the remaining time to payoff, as well as how much interest and the total paid so far and how much interest and the total remaining to be paid.
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Auto Lease Payment
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| How much will my auto lease payments be? |
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Whether you know a lot or very little about leasing a car, this calculator will help you figure out the lease payments and more. The help text for each field is especially good if you're worried about more than just the monthly payment amount. Move your cursor over any field prompt or click the question mark help icon to get lots of great information about leasing vehicles. Use the web links that go to websites and look up accurate values for all the unfamiliar numbers and terms involved in leasing. That way you'll get an accurate lease payment calculation and you can go talk with a dealer well-prepared and ready to deal.
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Auto Lease Payment Comparison
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| Help me compare auto lease payments with different terms. |
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Calculate and compare (formatted side by side) the payment amounts for up to 4 auto leases. Use this calculator to help compare different cars, down payments amounts, negotiated prices, or lease lengths.
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Lease Mileage
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| Am I likely to exceed my lease mileage and how much will that cost me? |
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Find how if you are likely to drive more miles than your lease allows and how much you will have to pay for the excess miles when the lease ends. Enter the annual miles allowed, the charge for excess miles as stated in your lease, and car's current odometer reading and this calculator will project excess miles and anticipated charges at lease end. You can also see how to adjust your driving for the remainder of the lease to avoid going over the allowed miles and paying a mileage charge.
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Auto Lease vs Loan
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| Should I lease or buy my next car? |
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Should you lease your next car or buy it with a loan? The answer depends on how long you plan to drive the car, the resale value of the car you want, how often you want a new car, how much monthly payments will be, or how much it will cost each year to drive the car. Enter the lease and loan information into this calculator and let it show you all the important numbers you'll need to make the most informed decision.
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Credit Card Calculators
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CC Minimum Payment (2006 Rules)
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| How long will it take to pay off my credit card balance if I make only minimum payments? |
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Are you paying the amount due as shown on your credit card bill each month, but the balance doesn't seem to budge and it certainly never gets paid off? Have you ever thought about how much you'll end up paying in credit card interest if you only pay the minimum required payment each month? This calculator will show you how much interest you will pay and how long it will take to pay off your credit card if you only make the minimum required payment each month. Show the amortization schedule to see the month-by-month payment breakdown. These numbers, of course, assume you will not continue to charge with the credit card and continue to pay just the minimum amount. This tool can help you determine the best small business credit cards or personal credit card. You may have to dig around or even make some phone calls to your credit card issuer to find out some of this information, but running this calculator can be a real eye-opening experience!
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CC Equal Payment
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| How long will it take to pay off my credit card balance if I pay the same amount each month? |
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If you want to eliminate that credit card balance, you'll probably want to pay more than the minimum required each month. Enter your credit card balance, interest rate, and the amount you will pay each month and this calculator will show you how much interest you will pay and how long it will take to pay off your credit card. Show the amortization schedule to see the month-by-month payment breakdown.
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CC Minimum Plus by Payoff Time
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| How much over the minimum should I pay each month to pay off my credit card balance in a certain amount of time? |
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Enter all the information about your credit card terms and the number of years and/or months you would like to have this card paid and this calculator will show how much additional you will need to pay each month (over the 'Payment Due' amount on your credit card statement) in order to meet that payoff time. Your payment will still be based on the minimum payment amount so it will still change each month. You will simply pay the same additional amount with each payment you make.
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CC Equal Payment by Payoff Time
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| How much should I pay each month if I want to pay off my credit card balance in a certain amount of time? |
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Enter the loan balance, interest rate, loan length, and monthly payment and this calculator will analyze your loan. You will see how long you've been paying and how much you've paid to date on your loan, as well as how much time is remaining and how much more is to be paid.Just enter your loan balance, interest rate, current monthly payment, and the additional amount you will pay each month and the calculator will compare the payoff time and interest charges for the remainder of the loan.
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CC Balance-to-Limit Ratio
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| How much of my credit card limit am I using? |
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Use this calculator to figure your balance-to-limit ratio or what percentage of your available credit card debt you are actually using. A low balance-to-limit ratio indicates you use your available credit wisely, which is important to lenders and plays a significant part in credit risk scores. In general, it is better to leave credit card accounts open if you have zero balances than it is to close them, especially if there is no negative activity associated with the account. That's because for each zero balance credit card account you close, your balance-to-limit ratio goes up, and it suddenly looks like you may be overusing your credit. Unused credit results in a lower balance-to-limit ratio.
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Daily Periodic Rate
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| How much interest am I paying each day on my credit card balance? |
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Most credit card statements show the Daily Periodic Rate or the daily interest rate. Enter your balance and the credit card's yearly interest rate and this calculator will show you the daily periodic rate and the average amount of interest you are paying each day on the outstanding balance.
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Financial Debt Calculators
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Debt Elimination
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| How should my payments be set up to lower debt the quickest? |
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Use this debt elimination calculator to help lower debt by letting you organize and prioritize your loans to get them paid as quickly as possible. Enter the debts you want to eliminate, choose your elimination priority and run an amortization schedule that will show you how to reduce debt the quickest including a monthly payment schedule for each loan each month until they are all paid. You can even compare how much it would cost and how long it would take to lower debt by making minimum payments each month.
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Debt Consolidation
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| Is debt consolidation the answer to how to pay down debt? |
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Restructuring debt with a debt consolidation loan may be a good option for how to pay down debt. Enter the information about your current debts and the consolidation loan you're considering and this calculator will show you the monthly payment and other important numbers of the consolidation loan and compare those numbers with no consolidation. You can also enter any additional amount you are considering borrowing and any additional principal you will pay each month to pay the loan off faster. The numbers should help you decide how to pay down debt - with a debt consolidation loan for restructing debt or use a debt elimination strategy.
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Simple Debt Consolidation
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| Will my payments really be lower if I'm paying debt with debt by consolidating loans? Should I Get a Debt Consolidation Loan? |
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Getting more loans to pay debt or paying debt with debt is a good debt restructuring answer for some individual situations and not for others. Do your homework before deciding. Enter your debt balances and the basic information about your consolidation loan and this calculator will show you the monthly payment and other important information to help you decide if this loan is right for your situation. You can even enter any additional amount you are considering borrowing and any additional principal you will pay each month to pay the loan off faster. Show the amortization schedule to see the month-by-month payment breakdown. The numbers should help you see if a consolidation loan for debt restructuring will actually lower your monthly payments or save you interest. Think Debt Advice - Debt tools, calculators, information and advice to help you find the best solutions to your debt problems. Think Debt Advice also provide debt solutions such as debt consolidation loans, debt management and IVAs.
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Eliminate Debt or Invest
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| Should I use extra money to pay down debt immediately or invest it until there's enough to pay off the debt at once? |
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See if it's better to pay down debt or invest your extra money until it can pay off the debt all at once. Will you pay more interest on your loan or earn more on your investment? Enter the information about your debt and investment and this calculator will show you how to lower debt the faster by showing what happens if you pay down debt first or put it into an investment until it grows to the pay off debt amount.
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Debt Ratio
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| What is my debt to income ratio or debt ratio? |
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Calculate your debt to income ratio or what percentage of your monthly income is used to pay fixed monthly costs. Enter your monthly income, monthly rent or mortgage expense, and other monthly expenses. This calculator will then show you your debt to income ratio which is the percentage your monthly income goes to pay monthly debts and expenses. In general, most mortgage lenders do not want your total monthly housing debt ratio or housing expenses (including property taxes, private mortgage insurance (PMI), and association dues) to exceed 28% of your total gross monthly income. And your total debt to income ratio percentage cannot exceed 36% of your total gross monthly income.
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Financial Trouble
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| Are my financial habits going to lead to financial trouble? |
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Are your financial habits leading you down a path of financial trouble? Take this quick test to help you determine if you are already in financial trouble or possibly headed for financial problems or financial issues.
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CC Minimum Payment (2006 Rules)
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| How long will it take to pay off my credit card balance if I make only minimum payments? |
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Are you paying the amount due as shown on your credit card bill each month, but the balance doesn't seem to budge and it certainly never gets paid off? Have you ever thought about how much you'll end up paying in credit card interest if you only pay the minimum required payment each month? This calculator will show you how much interest you will pay and how long it will take to pay off your credit card if you only make the minimum required payment each month. Show the amortization schedule to see the month-by-month payment breakdown. These numbers, of course, assume you will not continue to charge with the credit card and continue to pay just the minimum amount. This tool can help you determine the best small business credit cards or personal credit card. You may have to dig around or even make some phone calls to your credit card issuer to find out some of this information, but running this calculator can be a real eye-opening experience!
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CC Equal Payment
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| How long will it take to pay off my credit card balance if I pay the same amount each month? |
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If you want to eliminate that credit card balance, you'll probably want to pay more than the minimum required each month. Enter your credit card balance, interest rate, and the amount you will pay each month and this calculator will show you how much interest you will pay and how long it will take to pay off your credit card. Show the amortization schedule to see the month-by-month payment breakdown.
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CC Equal Payment by Payoff Time
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| How much should I pay each month if I want to pay off my credit card balance in a certain amount of time? |
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Enter the loan balance, interest rate, loan length, and monthly payment and this calculator will analyze your loan. You will see how long you've been paying and how much you've paid to date on your loan, as well as how much time is remaining and how much more is to be paid.Just enter your loan balance, interest rate, current monthly payment, and the additional amount you will pay each month and the calculator will compare the payoff time and interest charges for the remainder of the loan.
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Health Calculators
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Body Mass Index (BMI)
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| What is my body mass index (BMI) and BMI classification? |
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This BMI calculator will help you determine your approximate Body Mass Index (BMI), which is a measure of body fat and helps determine if your heart and cardiovascular system may be overworked. Just enter your weight and height to calculate your BMI, BMI classification, and the weight range for the classification.
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Waist to Hip Ratio
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| What do my waist and hip size indicate about my risk of heart disease? |
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Recent research shows that a person's waist-to-hip ratio may be a better indicator of heart disease risk than body mass index. Enter your waist and hip measurement and this calculator will help you determine if you may be at higher risk.
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Frame Size (Elbow)
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| Use my elbow width to determine my frame size. |
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Since bone structure varies in size from person to person, researchers have added frame size as a factor in helping to determine someone's ideal weight. Knowing your frame size can help you set reasonable weight goals. Enter your height and elbow width and this calculator will use standard insurance industry tables to show your frame size and ideal weight range. (Measuring the elbow, rather than the wrist, to determine frame size gives more range and accuracy, particularly for men.)
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Frame Size (Wrist)
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| Use my wrist circumference to determine my frame size. |
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Since bone structure varies in size from person to person, researchers have added frame size as a factor in helping to determine someone's ideal weight. Knowing your frame size can help you set reasonable weight goals. Enter your height and wrist circumference and this calculator will use standard insurance industry tables to show your frame size and ideal weight range.
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Ideal Weight
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| How much should I weigh? |
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Enter your gender and height to calculate your ideal weight using industry accepted formulas. You can see the ideal weights and corresponding BMIs for the 4 most used formulas (Devine, Hamwi, Miller, and Robinson) by clicking the 'Show Additional Fields' icon button.
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Full Body Analysis
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| Calculate and show me many of the common health indicators. |
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This calculator combines the output from several individual calculators to give you a full body analysis. Quickly find out your BMI, waist to hip ratio, body frame size, ideal weight, body fat, RMR, calories burned, target heart rate, and maximum heart rate.
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Smoking Costs
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| How much is it costing me to smoke? |
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Smoking cigarettes can be an expensive habit. Use this calculator to see how much cigarettes are costing you each day, week, month, year, or over your lifetime. Of course, if you want to quit smoking these costs represent the money you could save.
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Medication Costs
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| How much is medication costing me? |
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Use this calculator to see how much an over-the-counter or prescription medication is costing you each day, week, month, year, or over your lifetime.
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Find Date Given Age
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| What date will I turn a specific age? |
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What date will you turn 59 and a half, the age you can begin drawing from your retirement funds? Or what date will you turn 15 and 9 months so you can take Driver's Ed? Enter your birthdate and the age you want to know about and this calculator will tell you the date you will be that age and how long before that date gets here.
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Find Age On Date
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| How old will I be on a given date? |
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Will you be old enough to take Driver's Ed when the class starts next term? Or will you qualify to begin drawing retirement funds by the date you plan to retire? Enter your birthdate and any other date and this calculator will tell you exactly how old you will be on that date and how long before that date gets here.
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Days Until Next Birthday
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| How many days are there until my next birthday? |
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How many days are there until your next birthday or someone else's birthday? (You need to know so you can order that gift and it will arrive on time.) Enter today's date (or any other date) and your birthdate and this calculator will tell you how many days there are until the next birthday. It also shows how old you will be on the next birthday.
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Fitness Calculators
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Body Fat (US Navy)
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| What is my navy fitness level when measuring body fat using the Navy Body Fat Test and Navy Body Fat Chart? |
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This Body Fat Navy Calculator uses the U.S. Navy fitness formula to get an estimated measuring of body fat percent. Use a tape measure then enter your waist, hip, and neck measurements. Combine these measurements with your gender and height and this navy calculator will estimate body fat percent, lean mass, fat mass, and your general navy fitness category. (You can see the Navy Body Fat Chart by clicking the down arrow icon right under the results.) The water displacement test is the most accurate way to determine body fat percent, but the Navy Body Fat test or YMCA formula is accurate within 1-3% for most people.
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Body Fat (YMCA)
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| How much of my weight is fat (using the YMCA formula)? |
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This calculator uses the formula developed by the YMCA to estimate your body fat percentage without calipers. Use a tape measure and enter your waist measurement. Combine the waist measurement with your gender and weight and this calculator will estimate your percent of body fat, how much of your weight is lean mass and how much is fat mass, and your general fitness category. The water displacement test is the most accurate way to determine body fat percent, but the Navy Body Fat test or YMCA formula is accurate within 1-3% for most people.
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Body Fat (3 Skinfolds)
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| How much of my weight is fat (using 3 skinfold measurements)? |
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Calculating your body fat percentage by taking some measurements from the fat-storing zones will reveal your fitness level more accurately than scale weight alone. Combine these measurements with your gender, weight, and age and this calculator will find your percent of body fat, how much of your weight is lean mass and how much is fat mass, and your general fitness category.While the water displacement test is the most accurate way to determine body fat percent, skinfold tests are valuable because they can be done at home with the same person measuring each time, providing good measurements to monitor body composition changes over time.
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Body Fat (4 Skinfolds)
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| How much of my weight is fat (using 4 skinfold measurements)? |
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Calculating your body fat percentage by taking some measurements from the fat-storing zones will reveal your fitness level more accurately than scale weight alone. Combine these measurements with your gender, weight, and age and this calculator will find your percent of body fat, how much of your weight is lean mass and how much is fat mass, and your general fitness category.While the water displacement test is the most accurate way to determine body fat percent, skinfold tests are valuable because they can be done at home with the same person measuring each time, providing good measurements to monitor body composition changes over time.
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Body Fat (7 Skinfolds)
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| How much of my weight is fat (using 7 skinfold measurements)? |
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Calculating your body fat percentage by taking some measurements from the fat-storing zones will reveal your fitness level more accurately than scale weight alone. Combine these measurements with your gender, weight, and age and this calculator will find your percent of body fat, how much of your weight is lean mass and how much is fat mass, and your general fitness category.While the water displacement test is the most accurate way to determine body fat percent, skinfold tests are valuable because they can be done at home with the same person measuring each time, providing good measurements to monitor body composition changes over time.
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Lean Body Mass
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| How much of my weight is lean mass and how much is fat? |
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Get an estimate of your body's lean mass by entering your height and weight. This calculator uses the James formula which applies to adults and children of all ages. Your lean body mass is the sum of all your nonfat parts including muscle, tissue, organs, blood, and water. Don't confuse lean body mass with ideal weight - essential fat is 10% for women and 2% for men, and acceptable fat is up to 31% for women and 25% for men.
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Resting Heart Rate Average
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| Calculate my average resting heart rate for up to 5 days. |
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Resting heart rate is an indicator of your cardiovascular fitness level or how well your heart and lungs work. Typical resting heart rate is about 72 bpm, while highly trained runners may have resting heart rates around 35-40 bmp. Your average resting heart rate should be 15 to 20 bpm slower than your normal heart rate. The more fit you are, the lower your resting heart rate will be. As you monitor your average resting heart rate, you'll see this number drop as you become more fit.
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Calorie Composition
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| How many of my daily calories should come from protein, carbohydrates, and fat in order to meet my goal? |
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Given your goal and current weight, this calculator will help you determine your daily calorie needs and how many of those calories should come from protein, carbohydrates, and fat to keep you on track.
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Full Body Analysis
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| Calculate and show me many of the common health indicators. |
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This calculator combines the output from several individual calculators to give you a full body analysis. Quickly find out your BMI, waist to hip ratio, body frame size, ideal weight, body fat, RMR, calories burned, target heart rate, and maximum heart rate.
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Exercise Calculators
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Excercise Calories
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Find out how many exercise calories YOU burn doing different sports or activities, including everyday chores. The more you weigh, the more calories you burn doing the same activity at the same intensity level as someone who weighs less. Use this Exercise Calories calculator to put together a super calorie burning workout plan. Or find some new activites to increase your intensity level and exercise calories burned. You can even find substitute activities but maintain your workout intensity. Choose an activity or combine several activities and find how many exercise calories you'll burn.
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Target Heart Rate
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| Where should my heart rate be while exercising in order to reach my fitness goal? |
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Every one should know their maximum heart rate (MHR) for exercising safely, which depends on your age. Also enter your fitness goal and let this calculator help determine your target heart rate (THR).
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Karvonen Target Heart Rate
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| Where should my heart rate be while exercising, based on my current fitness level and my fitness goal? |
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The Karvonen formula is a more personalized method to determine your exercise target heart rate. Enter your age, your resting heart rate, and the your intensity level during exercise and let this calculator help determine the target heart rate (THR) zone that will maximize the effectiveness of your cardio workouts.
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Resting Heart Rate Average
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| Calculate my average resting heart rate for up to 5 days. |
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Resting heart rate is an indicator of your cardiovascular fitness level or how well your heart and lungs work. Typical resting heart rate is about 72 bpm, while highly trained runners may have resting heart rates around 35-40 bmp. Your average resting heart rate should be 15 to 20 bpm slower than your normal heart rate. The more fit you are, the lower your resting heart rate will be. As you monitor your average resting heart rate, you'll see this number drop as you become more fit.
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Increased Life Expectancy
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| How much time have I added to my life expectancy based on my exercise habits? |
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According to Dr. Ralph Paffenbarger you increase your life expectancy by 2 hours for each hour of vigorous exercise. (Recent results of a study of over 17,000 Harvard alumni started in 1962.) Enter your exercise habits to calculate how many hours you have exercised or will exercise over time and the resulting increase in your life expectancy.
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Full Body Analysis
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| Calculate and show me many of the common health indicators. |
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This calculator combines the output from several individual calculators to give you a full body analysis. Quickly find out your BMI, waist to hip ratio, body frame size, ideal weight, body fat, RMR, calories burned, target heart rate, and maximum heart rate.
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Pace to Speed Conversion
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| What is my speed if I'm covering a mile at the given pace? |
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Enter a pace to find the corresponding speed.
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Speed to Pace Conversion
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| How long will it take to cover a mile (pace) at the given speed? |
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Enter a speed to find the corresponding pace.
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Find Speed And Pace
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| How fast was I going to cover the given distance in the given amount of time? |
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Find the speed and pace you walk, run, bike, skate, or row when you know the distance and duration.
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Find Duration
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| How long will it take to cover the given distance at the given speed or pace? |
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Find out how long it will take to walk, run, bike, skate, or row when you know the distance and the speed or pace.
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Find Distance
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| How far will I go over the given time at the given speed or pace? |
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Find out how far you will walk, run, bike, skate, or row when you know the duration and the speed or pace.
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Nutrition & Weight Calculators
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Nutrition Label
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| How many calories and other nutrients were in that food I ate? |
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Generate a customized nutrition label for any of thousands of foods. Best of all, you won't have to do any math to interpret this label - just enter your serving amount and your calories per day and the nutrient values and daily values will be customized for you! The data includes all foods from the USDA data base, fast food, plus many, many other food items.
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Calories per Day
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| How many calories should I eat each day to maintain my weight? |
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Use your Resting Metabolism (RMR) (also known as Basal Metabolism or BMR) then factor in your activity level to get about how many calories you burn in an average day. You can eat about this many calories per day to maintain your current weight. This calculator uses gender, height, weight, and age to determine your RMR, then makes adjustments depending on the activity level you choose.
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Calories Burned Today
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| How many calories did I burn today with exercises and other activities? |
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Find out how many calories you burned today, including calories burned through exercise and activities. First, we'll start with your resting metabolism (RMR or BMR), or how many calories you need each day just to maintain basic bodily functions. We'll get about how many calories you burned today by looking at your lifetyle at work, home, or play and the calories burned during specific exercises and activities you choose. This calculator uses gender, height, weight, and age to determine your RMR, then makes adjustments depending on the lifestyle level you choose, and finally adds in the calories burned doing the selected exercises and activities.
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Simple Resting Metabolism
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| What is my resting metabolism (or how many calories would I burn each day even if I didn't move a muscle)? |
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Your resting metabolism (RMR) (also known as basal metabolism or BRM) is the minimum calories you burn each day for your body to keep everything functioning. The simplest RMR formula, used by this calculator, requires just gender and weight. This formula was developed by Dr. Fred Hatfield of the International Sports Sciences Association and is fairly accurate if your body fat is in the normal range (14-19% for men, 20-25% for women). If your body fat is substantially higher than normal, this formula will overestimate your RMR.
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Advanced Resting Metabolism
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| What is my resting metabolism (or how many calories would I burn each day even if I didn't move a muscle)? |
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The minimum calories you burn each day for your body to keep everything functioning (also known as your basal metabolism (BMR) or resting metabolism (RMR)). This calculator uses gender, height, weight, and age to determine your RMR.
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Lean Mass Resting Metabolism
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| Given my lean mass percentage, what is my resting metabolism (or how many calories would I burn each day even if I didn't move a muscle)? |
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If you know your lean body mass, this calculator uses the formula developed by Katch and McArdle to give you a very good estimate of your resting metabolism (RMR) (also known as basal metabolism or BMR), which is the minimum calories you burn each day for your body to keep everything functioning.
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Recommended Calorie Breakdown
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| How many of my daily calories should come from fat, protein, total carbohydrates, fiber and sugars to maintain balanced eating? |
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To maintain a balanced eating routine, you need to know where your daily calories should come from. Enter your gender and your daily calorie intake and this calculator will show you how many of your daily calories should come from fat, protein, fiber, sugars, and total carbohydrates.
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Calories Absorbed By Fiber
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| What affect does fiber have on my ability to lose or maintain my weight? |
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People watching their weight often increase their fiber intake. Fiber has many benefits as part of your diet, one of which is that fiber absorbs calories. While increasing daily fiber intake is only one piece of the weight loss equation, this calculator will show how long it will take to lose weight if increasing fiber is the only diet change you make.
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Ideal Weight
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| How much should I weigh? |
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Enter your gender and height to calculate your ideal weight using industry accepted formulas. You can see the ideal weights and corresponding BMIs for the 4 most used formulas (Devine, Hamwi, Miller, and Robinson) by clicking the 'Show Additional Fields' icon button.
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Frame Size (Elbow)
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| Use my elbow width to determine my frame size. |
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Since bone structure varies in size from person to person, researchers have added frame size as a factor in helping to determine someone's ideal weight. Knowing your frame size can help you set reasonable weight goals. Enter your height and elbow width and this calculator will use standard insurance industry tables to show your frame size and ideal weight range. (Measuring the elbow, rather than the wrist, to determine frame size gives more range and accuracy, particularly for men.)
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Frame Size (Wrist)
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| Use my wrist circumference to determine my frame size. |
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Since bone structure varies in size from person to person, researchers have added frame size as a factor in helping to determine someone's ideal weight. Knowing your frame size can help you set reasonable weight goals. Enter your height and wrist circumference and this calculator will use standard insurance industry tables to show your frame size and ideal weight range.
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Full Body Analysis
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| Calculate and show me many of the common health indicators. |
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This calculator combines the output from several individual calculators to give you a full body analysis. Quickly find out your BMI, waist to hip ratio, body frame size, ideal weight, body fat, RMR, calories burned, target heart rate, and maximum heart rate.
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