FREE CAR LEASE CALCULATOR
You can't download this one (and it's based on American car loans), but it's still an interesting help for calculationg monthly car payments so you can "play" with the mix of factors until you figure out the right mix of residual/downpayment etc that suits YOU best, not the finance company. Click Here

FREE TIME/MONEY/ACTIVITIES MANAGER
This is a free software with nifty stats on time & spending habits over your lifetime. If you've ever wondered how much money you could save by kicking the Tim Tam/smoking habit or how much time you spend watching tv compared to the amount of time you devote to your kids etc, then Click Here to get a kick out of this one.

FREE DESKTOP BUDGETING
Note: this link may be temporarily offline - Use one of the budgeting methods from my books to set your budgeting up to run almost automatically so you don't have to bother with software like this at all - or if you prefer to keep detailed and ongoing records on computer - then try this freeware program after you've worked out your initial budget using any of the methods from my first two books. There are two files to download Here before it works, so set up a separate folder for them in your file menus before you download the zip files.


FREE TIPS
Rule of 72
Fellow hobby-mathaholics may enjoy the extra free tips about from Your Investment Property which also help you work out (roughly) in your head when investments will double in value! A very handy rule of thumb!  Click Here

TURN $10 INTO $100 LEGALLY
Yes... it can be done! It's explained thoroughly in Your Investment Property, but you can definitely use $10 to save you $100 - and you can do it as many times as you like every week - using any mortgage which fits the top 5 points from my checklist for a good homeloan, so that includes most principal and interest mortgages regardless of whether you're using it/them for an investment property or for your own home loan. Put simply, you'll save nearly $100 in interest with every EXTRA $10 you repay off the beginning of your mortgage at average interest rates. The savings per extra repayment drop ever so slowly as the term of your loan progresses, but every dollar is worth it AND it's never too late to start. To prove it for yourself (or to see how much you'll actually save with each extra repayment for your current loan), just Click Here to open one of my favourite calculators in a separate window and then follow these instructions:

1. Enter $120,000 into the box for your loan amount (or enter the current balance of your own home loan.)
2. Enter 8 into the "interest rate" box (or enter the amount of interest you're likely to pay ON AVERAGE over the term of your loan... e.g. interest rates are at record lows at the moment, so it would be silly to base your calculations on anything under 6% for a 15 year term or longer.)
3. Enter 30 years into the "Loan Term" box (or enter the number of years left to go for your own loan)
4. Enter $10 into the lump sum box and enter 0 (zero) years in the "lump sum made after" box.
5. Look to the bottom right hand side of the chart and see that you just saved $99.68 - and that's before accounting for inflation.
6. Close your mouth. You're drooling all over your keyboard.

This shows you at a glance how much your EXTRA $10 repayment will save you in interest over the long term at (historically) average interest rates. As a bonus - remember that a dollar saved is a buck fifty you don't have to earn, so make sure you make your extra $10 repayments as often - and as many - as possible.

NOTE: If you plan to increase EVERY repayment from now on by a small amount, then Click Here for a different calculator... and be shocked to see how much you'll be saving yourself over the long term!