Hugh's Mortgage and Financial Calculators - Number and Statistic Tools and Information

  • Middle Class Income Calculator - Using Pew Research Center data I created a calculator that defines the "middle class" income (as defined as 2/3 to 2x median income) for all metropolitan areas and states in the United States. You can compare your own income to see where you would stand in different locations.
  • JUMBLE Puzzle Word Guesser - UPDATED! I still have my old JUMBLE descrambler that just prints out all 720 possibilities for a combination of any 6 characters. But now I have a version that does search the dictionary and shows matches in RED. I also now have one that only does dictionary matches, both in English and in Spanish too!
  • Income and Wealth Percentile Calculator (2001 to 2010 version) - This takes recent data about the drops in household income and wealth from 2001 to 2010 to see how you have moved percentile wise among US households.
  • Household Income Percentile Calculator - (1979 to 2007) Using Congressional Budget Data from their October 2011 report, this calculator shows the percentile for any income amount from 1979 to 2007 (showing percentiles for 1979, 1986, 1993, 2000 and 2007.) This shows how $170,000 put you in the top 1% in 1979, but put you only in the top 4.4% in 2007. On the flip side $15,000 in 1979 put you in the bottom 23.5%, but if you still are making only $15,000 in 2007 you are then in the bottom 20.2%.
  • Cholesterol level and ratio calculator. First this takes finds the missing value amongst your total blood cholesterol, LDL, HDL and triglyceride level numbers, and then reports on the desirability of each one as well as three ratios that help identify some possibly problems. I must be getting old to start putting in health related calculators!
  • Is Your Retirement on Track?.Yahoo! Finance had an article telling people how to see if they were on track for their retirement. Unfortunately, it requires perusing a large table and performing a few calculations to solve. I am doing the math for people, using a simple PHP program and copying their large table of numbers since that is what I love to do! So here it is and you can see how well your retirement savings look without having to do the math yourself.
  • Aspect Ratio AJAX Calculator - Which has a taller screen, a 17" standard monitor or a 20" widescreen monitor? Here is a calculator to compare screen dimensions. Plus it is written using AJAX so it submits calculations without a click! Cool...
  • Income Numbers Calculator Simple calculator to quickly see how what an income amount is as an hourly, daily, weekly, biweekly, monthly and annual basis. It also allows you to specify a percentage of income to display for each period
  • Savings Comparison Calculator 2006 - Many of my "wealth" calculators had old numbers, but I found some new statistics from a 2006 survey on how much people have saved up for their retirement. The numbers do not look promising for many people to say the least, but you can see how you compare. I know many financial planners tell everyone they need $500,000 or $1 million or more to retire, and it looks like if that is true, very few folks will be enjoying their golden years. Be prepared to be a Wal-Mart greeter in your 70's!
  • Change Counting Calculator. Here is a simple JavaScript calculator for counting up change like after a big garage sale. You can even download it to your PC so you do not have to be online for it to work.
  • Your Home Value versus the Median - With all those multi-million dollar "McMansions", your $300,000 home puts you in the middle of the pack, right? Think again!
  • Means and Medians - Calculate the mean and median of a set of numbers. For example use to calculate mean and median home prices, incomes or whatever numbers you like.
  • New EPI/RON Wealth Indicator as taken from Thomas J. Stanley's book, Millionaire Women Next Door. Another measure of how well your income and net worth stacks up.
  • Medical Savings Account Calculator - Calculates your tax savings by participating in an employer sponsored or self-directed medical of "flex" savings plan (or a similar child care savings plan).
  • Wealth Percentile Score - Using a chart from Scott Burn's site, I did some interpolation so you can compare how your net worth stacks up to everybody else's in your age range.
  • CPI/Inflation Muliplier Remember back when you could buy a car in 1972 for $2,500? Has inflation inflation really made that car cost $20,000 now? Well, I grabbed the U.S. CPI (consumer price index) information from the Labor Bureau for 1913-1999 to see how inflation has really increased. Neat stuff.
  • Wealth Calculator This uses the formulas and discussion from Stanley and Danko's best-seller The Millionaire Next Door so you can see how wealthy you really are.

  • PAY HERE Information on my Expensive Licensing Fee Karl's Java version of the Mortgage Calculator
    Mortgage Freeware/Shareware for your Mac or PC Domain Hosted by GoDaddy
    This is a low bandwidth page; Fine for Lynx users too.
    Here's another low bandwidth calculators page at
    Contact me, Hugh Chou, at :
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