90-minute presentation

1. 35 Useful Personal
Finance Websites
Barbara O’Neill, Ph.D., CFP®
Owner/CEO, Money Talk

2. “Street Cred”
I use personal finance
websites every day for
work projects, as well
as for personal use.

4. Workshop Format
• Describe 35 useful personal finance websites (in no particular order)
• Provide information on a wide variety of personal finance topics
• Share additional resources from meeting participants

5. Why Do YOU Visit Personal Finance Websites?

6. Common Reasons to Visit Financial Websites
• Do financial calculations (e.g., loan payments, amortization)
• Perform certain tasks (e.g., check credit report)
• Learn about specific topics (e.g., cryptocurrency)
• Check for tax refunds (https://www.irs.gov/refunds)
• Check bank/credit union/investment account balances
• Check stock market performance (e.g., DJIA or S&P 500)
• Follow respected personal finance thought leaders
• Find local financial advisors
NAPFA: http://www.napfa.org/
CFP Board: https://www.letsmakeaplan.org/

7. What Makes a Good Financial Web Site?

8. Features of Good Personal Finance Websites
• Mobile-friendly design
• Intuitive design with minimal clicks required
• Relatable content
• Available security features
• Financial literacy resources
• Not “text-heavy”

9. 1. Investment Risk Tolerance Assessment
http://pfp.missouri.edu/research_IRTA.html

10. 2. Future Value
Calculator
https://www.calculator.net/future-
value-calculator.html

11. 3. Annual Limits Relating to Financial Planning
https://www.kaplanfin
ancial.com/resources/
industry-
updates/annual-limits
(2022)

12. 4. Are You Rich? (New York Times)
https://www.nytimes.com/interactive/2019/08/01/upshot/are-you-rich.html

13. 5. Car Buying Calculators (Bankrate)
https://www.bankrate.com/calculators/index-of-auto-calculators.aspx

14. 6. Compound Interest Calculator (SEC)
https://www.investor.gov/financial-tools-calculators/calculators/compound-
interest-calculator

15. 7. Consumer Debt-to-Income Ratio Calculator
https://www.clearpoint.org/tools/debt-income-ratio-calculator/

16. 8. Credit Card Payoff Calculator
https://www.bankrate.com/calculators/credit-cards/credit-card-payoff-
calculator.aspx

17. 9. Credit Report Request Web Site
• https://www.annualcreditreport.com
• https://www.annualcreditreport.com/manualRequestForm.action

18. 10. Identity Theft.Gov
https://www.identitytheft.gov/

19. 11. Inflation Calculator
https://www.bls.gov/data/inflation_calculator.htm

20. 12. Investment Calculator
https://www.bankrate.com/
calculators/retirement/inves
tment-goal-calculator.aspx

21. 13. Irregular Expense Calculator
https://www.calculators.
org/budget/irregular.php

22. 14. IRS Tax Withholding Estimator
https://www.irs.gov/individuals/tax-withholding-estimator

23. 15. Kiplinger’s Personal Finance and Money
(Online Magazines)
• https://www.kiplinger.com/
• https://money.com/

24. 16. Life Insurance
Calculator
https://www.bankrate.com
/calculators/insurance/life-
insurance-calculator.aspx
https://lifehappens.org/ins
urance-overview/life-
insurance/calculate-your-
needs/

25. 17. Loan
Calculator
https://www.bankrate.com
/calculators/mortgages/loa
n-calculator.aspx

26. It’s Halftime! Any Questions So Far?

27. 18. Monte Carlo
Calculator
(Vanguard)
https://retirementplans.vanguard.
com/VGApp/pe/pubeducation/calc
ulators/RetirementNestEggCalc.jsf

28. 19. Mortgage
Prepayment
Calculator
https://www.hsh.com/
calc-prepay.html

29. 20. Pay Down
Debt or Invest
Calculator
https://www.getsmarterabout
money.ca/calculators/pay-debt-
invest/
2022 Marginal Tax Brackets:
https://njaes.rutgers.edu/mone
y/tax-info/marginal-tax-
brackets.php?2022

30. 21. Payday
Loan APR
Calculator
http://www.csgnetwork.
com/apr4calc.html

31. 22. Personal Finance Quizzes
http://moneytools.org/personal-finance-quizzes
https://www.synchronybank.com/blog/personal
-finance-101-quiz/
https://www.proprofs.com/quiz-
school/topic/personal-finance
https://www.usatoday.com/web-
stories/finance-quiz-money/

32. 23. Poverty Risk
Calculator
https://confrontingpoverty.org/

33. 24. Powerball
Lottery Simulator
• https://graphics.latimes.com/
powerball-simulator/

34. 25. RCE (Rutgers Cooperative Extension)
Personal Finance Web Site
https://njaes.rutgers.edu/money/

35. 26. Required Minimum Distribution (RMD)
Calculator
https://www.investor.
gov/financial-tools-
calculators/calculators
/required-minimum-
distribution-calculator
Updated for 2022 life
expectancy table.

36. 27. Retirement
Expenses Worksheet
(Vanguard)
https://personal.vanguard.com
/us/insights/retirement/tool/re
tirement-expense-worksheet

37. 28. Roth IRA
Conversion
Calculator
https://www.bankrate.
com/calculators/retire
ment/convert-ira-roth-
calculator.aspx

38. 29. Rule of 72
Calculator
(Money Chimp)
http://www.moneychimp.
com/features/rule72.htm

39. 30. Rule of Three
Worksheet
https://www.slideshare.net/BarbaraONeill/
rule-of-three-worksheet-for-comparison-
shopping

40. 31. Savings Calculator
https://www.bankrate.com
/calculators/savings/saving-
goals-calculator.aspx

41. 32. Squared Away Blog
(Center for Retirement
Research at Boston
College)
https://squaredawayblog.bc.edu/

42. 33. Who Gets Grandma’s Yellow Pie Plate™?
https://extension.umn.
edu/transferring-
property/transferring-
non-titled-property

43. 34. FINRA Retirement Calculator
https://tools.finra.org/
retirement_calculator/

44. 35. General Purpose Financial Websites
MSN Money Yahoo! Finance
https://www.msn.com/en-us/money https://finance.yahoo.com/

45. Personal Finance Podcast Websites
• Retirement Wisdom: https://www.retirementwisdom.com/the-retirement-
wisdom-podcast-2/
• Retirement Revealed (Jeremy Keil, CFP®): https://keilfp.com/blogpodcast/
• The Retirement Answer Man (Roger Whitney, CFP®):
https://www.rogerwhitney.com/blog
• Her Money (Jean Chatzky):
https://podcasts.apple.com/us/podcast/hermoney-with-jean-
chatzky/id1098802558

46. What Are Your Favorite Financial Web Sites?

47. Thank You For Attending
This program was like a NJ Diner
menu…you can’t “consume”
everything at once
Pace yourself…try a few websites
that meet your needs and interests

48. Final Questions or Comments?