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Hands on Banking - Financial Education and Financial Literacy

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## Glossary
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## Calculators

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- Standard Calculator
- Value of an Investment
- Cost of Loan
- Cost of Mortgage
- Retirement Savings
- Credit Calculator
- Rule of 72

Standard Calculator

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## Value of an Investment

Enter Your Initial Investment

$

Contribution Frequency  Weekly
Bi-Weekly
Monthly
Annual

Contribution Amount

$

Interest Rate %

%

Number of Years to Save

Total Amount\*

\* Daily compounding, with contributions made at the end of the time period.

Calculate Reset

Cost of Loan

Principal in Dollars

$

Interest Rate %

%

Loan Term in Years

Monthly Payment

Total Cost of Loan

Calculate Reset

Cost of Mortgage

Principal in Dollars

$

Interest Rate %

%

Mortgage Term in Years

Monthly Payment

Total Cost of Mortgage

Calculate Reset

Retirement Savings

Desired annual income in retirement

$

Expected annual Social Security benefits

$

Expected annual pension, if any

$

Annual income needed from investments

Total amount you need to have invested

Calculate Reset

Credit Calculator

Amount Borrowed

$

Annual % rate

%

Monthly Payment

$

Months to Pay

Total Amount paid

Total Interest paid

Calculate Reset

Rule of 72

Solve for Interest Term

Interest %

%

Term in Years

Calculate Reset

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# **All the tools you need to help you become financially savvy.**

The Hands on Banking® financial education program can help you learn more about money management. To get started, click the button below to find helpful resources. Together, we’ll help you and your family take charge of your financial future.

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## topics

The Hands on Banking website has all of the materials you need to help you succeed financially. The following topics can help you get started on your financial education journey.

### After High School

Explore school and career options after high school, and financial considerations for both.

Learn More

### Banking

Want to know about banking? Learn the “what, why, and how” of using a financial institution.

Learn More

### Cars

Need a new car? Learn about the car-buying (or leasing) experience, loans, insurance.

Learn More

### Credit and Loans

What is credit, and why does it matter? How do loans and credit cards work? Get answers here.

Learn More

### Goal Setting

Define your needs and wants, then plan how you’ll get there. Explore financial planning, insurance, and more.

Learn More

### Investing

You can build wealth through savings, investments, property, or your own business. These resources give you and your family options and opportunities.

Learn More

### Money Management

Budgeting, spending, saving: Get practical tips for managing money day-to-day and preparing for the unexpected.

Learn More

### Retirement

Learn how to support yourself financially after you finish your career. Planning early is key.

Learn More

All Hands on Banking Topics

## Categories

There are different phases in your financial journey. From Getting Started to Planning For the Future, the Hands on Banking® program can help you take control of your financial future in any stage of life.

### Getting Started

Just getting started? Not sure where to begin? Start here to learn about setting financial goals and building your financial future.

Browse Topics

### Managing Day-To-Day

There’s lot to think about and do when you are managing your money. From tracking expenses and developing a spending plan to paying off debt, start here to learn the steps you need to take.

Browse Topics

### Preparing for a Rainy Day

Emergencies and rainy days will come. Being prepared can help you avoid problems. Click below to start Preparing for a Rainy Day.

Browse Topics

### Preparing for the Future

One day you’ll want to retire. Learn more about investing for your future and planning for retirement in this part. Preparing for the Future will help you get there.

Browse Topics

### Preparing for Tomorrow

Saving for a car, home, or to start a business? What you do today can help you tomorrow. Click below to start Planning for Tomorrow.

Browse Topics

### Resources for Youth

Our Hands on Banking for Youth Courses are a great way to explore financial concepts and test your skills. Courses can be paired with educator resources for a complete learning experience.

Browse Topics

* * *

## CaLCULATORS

Need help figuring out how much things cost? Check out the different calculators available to help you.

Retirement Savings

Retirement Savings

Desired annual income in retirement

$

Expected annual Social Security benefits

$

Expected annual pension, if any

$

Annual income needed from investments

Total amount you need to have invested

Calculate Reset

Cost of a Loan

Cost of Loan

Principal in Dollars

$

Interest Rate %

%

Loan Term in Years

Monthly Payment

Total Cost of Loan

Calculate Reset

Cost of a Mortgage

Cost of Mortgage

Principal in Dollars

$

Interest Rate %

%

Mortgage Term in Years

Monthly Payment

Total Cost of Mortgage

Calculate Reset

Credit

Credit Calculator

Amount Borrowed

$

Annual % rate

%

Monthly Payment

$

Months to Pay

Total Amount paid

Total Interest paid

Calculate Reset

Value of an Investment

## Value of an Investment

Enter Your Initial Investment

$

Contribution Frequency  Weekly
Bi-Weekly
Monthly
Annual

Contribution Amount

$

Interest Rate %

%

Number of Years to Save

Total Amount\*

\* Daily compounding, with contributions made at the end of the time period.

Calculate Reset

Rule of 72

Rule of 72

Solve for Interest Term

Interest %

%

Term in Years

Calculate Reset

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