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Auto Loan: Apply online for a good or even a very bad credit auto loan quote, including a new or used auto loan or refinancing.

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Personal Loan: Short or long term personal loan up to $10,000 (as available, or view alternative loan options).

Personal Finance: How to file bankruptcy and get free bankruptcy forms, create a household personal budget, balance a checkbook and more. Get our free personal budget software.

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Get free online IRS tax filing, or settle IRS tax debt

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Free IRS tax calculator to estimate taxes per taxable income. File taxes online for a fast rebate check.



Free Expenses Software - A $6,000 Value!

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FREE 2009 Federal IRS Tax Calculator: Input your taxable income and our tax calculator will automatically calculate your total IRS tax for 2009

 

How to use the free tax calculator:
1) Choose the tax year above which you want to calculate taxes.

2) Select your column with your filing type; either,

Schedule X: Single

Schedule Y-1: Married Filing Jointly or Qualifying Widow(er)

Schedule Y-2: Married Filing Separately

Schedule Z: Head of Household

3) Select the row which reflects your taxable (net) income.

4) Type your taxable income into the box and click "Calculate".

Tax rate schedules are provided to show how the tax calculator computes your total IRS tax. Refer to the appropriate 2006 Form 1040, 1040A, or 1040EZ for the tax equations.

   

Previous Year Tax Calculators

2006 Federal IRS Tax Calculator

2007 Federal IRS Tax Calculator

 

For more information about IRS tax return preparation and rapid refund, visit irs.gov for free tax return preparation and e-file forms.

 

Read our latest tax news, and search for other articles related to the IRS and tax filing.


Debt

 

People are seeking debt advice every day as they are buried in bills. There are some tried and true methods to get out of debt, yet deciding on the one that is right, can be difficult. The most important thing is to stick with a plan and keep track of goals. Getting out of debt requires dedication once a plan is implemented.

 

It is so easy to become burdened with debts, yet almost impossible to escape from it when thousands of dollars are owed. Unfortunately, some may wait too long to try to tackle it. To be able to get control of it, it is necessary to understand the types of debt. Some debts are unsecured, which means the debt is not attached to a piece of property, like credit card debt. A mortgage payment is a secured debt, and if the loan is not paid, there is a risk of losing the home.

 

Getting control of bills needs to begin with a carefully prepared, written budget, and keeping track of every dollar. It is a guide and may need adjusting from time to time. That is ok, it helps to review it, adjust it, and, stick with what is written down.

 

Organize all required monthly expenses. Begin with food expenses, the mortgage payment, and utility bills. Consider looking over last years bills to get an estimate of the total expenses for the year. For example, a utility bill may be higher during hot months or cold months, and it may be necessary to set aside money to prepare. Reviewing last years income and expenses can help you discover any extra payments for insurances, taxes, etc.

 

Example of Expenses Listed on a Budget:

 

* Mortgage Payments

* Utility bills

* Phone bills

* Child Care

* Gifts, Birthdays, etc.

* Gas, auto payments, repairs

* Food, cook more, eat out less

* Money deposited into a savings account. 

 

The list above is an example, make your own list and write a dollar amount by each item. Consider things on the list that could be eliminated. For example, cell phone plans could be reduced or home phones may not be needed. Notice that entertainment is not on the list. By eliminating this expense, there could be more money to use to pay down bills. If it is put on the budget, make sure to set an amount that is reasonable and set limits. Entertainment expenses can take a big bite out of the monthly income. Try to do more home activities for a while.

  

First time budgets can be a success, and it takes time for it to become a habit and refined. It is a starting point, as many people never follow one, and later wonder how they got into debt. The more it becomes a habit, the more you know your expenses, and what you must plan to spend out of each paycheck. Keeping bills paid on time can be huge stress relief.

  

Target debts to pay every time a paycheck is received, spread it around to what is necessary to pay first. After some weeks, you may find your finances in better shape and feel some pride in getting debts well under control. Paying debts must become a weekly target, to make progress and get bills paid. This also helps to avoid any added expenses. Using a calendar as a reminder is a good tool to use. When getting out of debt is not working, consider a free quote from a debt counselor.




Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

CommerceBank.com Review - Copyright © 2011 Commerce Bancshares, Inc.

Commerce offers loans to help you reach your financial goals, along with an easy application process.

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Commerce Bank’s Online Services are easy, secure and give you 24-hour access to your account information. 

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With Extra Payments, You Can Save Interest Money and Payoff Debt Faster. Use our Free Credit Card and Loan Extra Payment Calculator.
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The IRS has released the 2013 tax deductions and credits, taxable amounts and percentages. Using these figures you can caculate your total tax payment due and/or your refund for overpayment.
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Should I pay off my credit cards or my car loan first? Which option would save me the most money?
Credit Question: I cut-up and burned my credit cards, but I forgot to close the accounts first. How can I close a credit card account without the credit card number?

Tip of the Day: Would it be foolish to get another unsecured credit card when you already have several cards maxed out? Perhaps not. Your FICO score takes into account how much of your total credit line is already obligated on credit cards and other revolving credit accounts. If you are close to maxing out your credit cards, this can lower your score. So getting yet another unsecured credit card may not harm your score, but could help it (considering there are no other problems with your score) by increasing your available credit limit. But don't max out the additional credit card, too.


Tip of the Day: To curb credit card charges, wrap your credit card in a sheet of paper and keep a log of purchases written on the paper, with a grand total of charges in view each time you reach for your card. Before swiping your card, figure out how many hours you'll have to work in order to payoff the charge and jot on the paper: "IOU #Hours of Work". Perhaps seeing how long you'll need to work to payoff the charge will help curb spending.

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