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You are leaving the Hands on Banking website You are leaving Hands on Banking.org and entering a website that the Hands on Banking program does not control. The Hands on Banking program has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Continue Cancel Glossary × Calculators × Standard Calculator Value of an Investment Cost of Loan Cost of Mortgage Retirement Savings Credit Calculator Rule of 72 0 + c ± ÷ × 7 8 9 - 4 5 6 + 1 2 3 = 0 . 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 Resetclose Students Students Elementary School Middle School High School Families Educators Educators Elementary School Middle School High School Español Sitemap Español Sitemap Searchor View lessons by educational standards Grade Select a grade Kindergarden 1 2 3 4 5 6 7 8 9 10 11 12 Standard Select a standard CCSS.MATH.CONTENT.4.MD.A.2 CCSS.MATH.CONTENT.4.NF.B.4.C CCSS.MATH.CONTENT.4.NF.C.6 CCSS.MATH.CONTENT.4.OA.A.3 CCSS.MATH.CONTENT.5.NBT.B.7 CCSS.MATH.CONTENT.5.NF.B.6 CCSS.MATH.CONTENT.6.NS.B.3 CCSS.MATH.CONTENT.6.RP.A.2 CCSS.MATH.CONTENT.6.RP.A.3.C CCSS.MATH.CONTENT.6.SP.B.5.C CCSS.MATH.CONTENT.7.RP.A.3 Credit and Debt 1 Credit and Debt 1 Credit and Debt 1 Credit and Debt 1 Credit and Debt 1 Credit and Debt 1 Credit and Debt 1 Credit and Debt 1 Credit and Debt 1 Credit and Debt 1f Credit and Debt 1f Credit and Debt 1f Credit and Debt 1f Credit and Debt 1g Credit and Debt 1g Credit and Debt 1g Credit and Debt 1g Credit and Debt 2 Credit and Debt 2 Credit and Debt 2 Credit and Debt 2 Credit and Debt 2 Credit and Debt 2 Credit and Debt 2 Employment and Income 1 Employment and Income 1 Employment and Income 1 Employment and Income 1 Employment and Income 1a Employment and Income 1a Employment and Income 1a Employment and Income 1a Investing 2 Investing 2 Investing 2 Investing 3 Investing 3 Investing 3 Spending and Saving 1 Spending and Saving 1 Spending and Saving 1 Spending and Saving 1 Spending and Saving 1a Spending and Saving 1a Spending and Saving 1a Spending and Saving 1a Spending and Saving 3 Spending and Saving 3 Spending and Saving 3 Spending and Saving 3 Earning Income 1 Earning Income 1 Earning Income 1 Earning Income 1 Earning Income 3 Earning Income 3 Earning Income 3 Earning Income 3 Financial Investing 1 Financial Investing 1 Financial Investing 1 Financial Investing 2 Financial Investing 2 Financial Investing 2 Financial Investing 3 Financial Investing 3 Financial Investing 3 Financial Investing 4 Financial Investing 4 Financial Investing 4 Financial Investing 5 Financial Investing 5 Financial Investing 5 Financial Investing 6 Financial Investing 6 Financial Investing 6 Financial Investing 7 Financial Investing 7 Financial Investing 7 Saving 1 Saving 1 Saving 1 Saving 1 Spending and Saving 1 Spending and Saving 1 Spending and Saving 1 Spending and Saving 1 Spending and Saving 3 Spending and Saving 3 Spending and Saving 3 Spending and Saving 3 Using Credit 1 Using Credit 1 Using Credit 1 Using Credit 1 Using Credit 1 Using Credit 1 Using Credit 1 Using Credit 1 Using Credit 1 Using Credit 2 Using Credit 2 Using Credit 2 Using Credit 2 Using Credit 2 Using Credit 3 Using Credit 3 Using Credit 3 Using Credit 3 Using Credit 3 Using Credit 4 Using Credit 4 Using Credit 4 Using Credit 4 Using Credit 4 Using Credit 5 Using Credit 5 Using Credit 5 Using Credit 5 Using Credit 5 Using Credit 5 Using Credit 5 Using Credit 6 Using Credit 6 Using Credit 6 Using Credit 6 Using Credit 6 Using Credit 6 Using Credit 6 Using Credit 7 Using Credit 7 Using Credit 7 Using Credit 7 Using Credit 7 Using Credit 7 Using Credit 7 Using Credit 8 Using Credit 8 Using Credit 8 Select a grade and a standard Search Menu Students Families Educators Money is great to save and spend. Learning about money can also be fun. Explore the Hands on Banking® program to build a strong financial future. Students start here About Hands on Banking The award-winning financial education program, available in English and Spanish, offers free non-commercial content — lesson plans, instructor guides, student courses, activities, lessons, quizzes and much more. Educator Resources Check out our free, noncommercial financial education curriculum. There are many resources to help you build your students’ financial capability. View Educator Resources Family Activities We’ve got activities for you and your family. From learning about coins to budgeting, you will find what you need to help teach your kids about personal finance. View Family Activities Course activities for students 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. 5 Courses Elementary School Course Have you ever wondered where money comes from? And how you earn it and use it? We’ll show you where money comes from, how you can use it, and how banks help keep it safe. View Courses 6 Courses Middle School Course Money is fun to get and spend. Learn how to start saving and how to boost your earning power. You’ll get information and tools to get started toward your personal money goals and dreams. View Courses 7 Courses High School Course Start your financial life strong. Learn about creating a spending plan, building credit, school loans and how continuing education after high school could fit into your financial future. View Courses The Hands on Banking program has been recognized by several organizations as a leader in personal finance education. 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