Free online financial calculators to get debt under control, plan for retirement and see your net worth

If you need help managing your money, you’ve come to the right place. We have tons of financial tips for investors and small business owners. Case in point: Here are 10 free spreadsheet templates to help you get a handle on your money.

Scroll down for some of our favorite free online financial calculators brought to you by our sponsor, NetSuite.

1. Wrangle your debt with one of the web’s best free online finance calculators

NerdWallet has helpful tools you should check out. If you want to pay off debt, you’ll want an idea of a realistic timeframe. With NerdWallet’s tool, you can enter things like types of debt, remaining balances, taxes owed and gross annual income.

This calculates your debt load so you know what you’re dealing with. Comparing debt load to income can clarify your path. Underneath the calculator, you’ll find a few helpful debt strategies and links to a quick quiz to help you find a faster way to pay off debt.

2. Plan for retirement

Can a TI 84 be used as a financial calculator? It's harder to use than a financial calculator. Check out these free tools online for money help.

Want to get a personalized snapshot of what your finances will look like if you retire? AARP has you covered. It has a retirement calculator that lets you know if you’re saving enough.

Just answer a few questions about your salary, savings, household status and more. You’ll find out how much money you need to live a comfortable retirement.

3. Net worth calculator

Looking for the internet's best free online finance calculator? Take Charge America, Omni Calculator and the AARP Retirement Calculator are useful tools.

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How to spot an AI-generated image: Tips, tricks and pro tools

Forget trying to spot if a pic of a model was photoshopped. (It was.) Now we can’t even trust if the person we see in a photo or video is real.

Fear not, I’m here to help you navigate the pixelated wilderness. Let’s look at the seven telltale signs an image is AI-generated.

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1X Technologies and OpenAI preview the 'Neo beta' humanoid robot

1X Technologies and OpenAI just released a preview of the “Neo beta,” a scarily realistic humanoid robot. It moves like a human, and its advanced vision system lets it interact with the environment in real time. In this video, it picks up a backpack, places its hand around a woman’s waist and waves at the camera.

Sextortion scams are getting more realistic

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Got an email saying your webcam was hacked? Don’t worry — it’s just another sextortion scam. I’ll tell you why it’s all fake and how to stay safe.

Someone call Will Smith: 1X Technologies and OpenAI just released a preview of the “Neo beta,” a scarily realistic humanoid robot. It moves like a human, and its advanced vision system lets it interact with the environment in real time. The video is straight out of a sci-fi movie; it picks up a backpack, places its hand around a woman’s waist and waves at the camera.

300,000-year-old face

Of our oldest human ancestor, revealed. A graphics expert 3D-scanned a skull to create a realistic render. Found in Morocco, the remains proved humans evolved 100,000 years earlier than we thought. Check out the pic of the handsome fellow here.

AI fakes are everywhere – How to spot them

Tom Hanks isn’t trying to sell you a dental plan. YouTuber MrBeast won’t give you an iPhone 15. CBS News host Gayle King isn’t recommending a weight-loss product.

I knew this stage of AI tomfoolery was coming, but it’s still surprising how fast it’s happening. Let’s take a closer look at how free and cheap tools fuel fraud — and the signs to watch for.

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Meet BeReal, a trendy social media app that isn't what you're used to

You may have noticed that everyone lives their best lives on social media. Most posts show off luxury vacations, eating at high-end restaurants, bragging about new cars and more. Tap or click here to see if other people can see what you “like” on social media.

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What makes movie punches look realistic?

Have you ever watched a really good action movie and thought, “Wow, it looks like they are really punching each other.” Well, tons of secret Hollywood tricks make it seem genuine. And sometimes actors actually make contact.

900% increase

In travel scams in the past year. That’s according to Booking.com, at least. ChatGPT has made it easier than ever to generate realistic scam emails. Do I believe there’s been an increase? Absolutely, but 900% …?

Fake USPS sites get as much traffic as the real deal: Scammers create perfect replicas, complete with realistic tracking pages. Manually type the official site’s URL, usps.com, into your browser. Don’t click on links in emails or messages about shipping updates, either; those could be fakes.

5 people can connect via Apple Vision Pro

With Personas in visionOS, you can see a 3D recreation of your friends’ heads and hands. It’s pretty realistic, too — way less corny than those cartoon avatars in the Metaverse. All yours for the low, low price of $3,500. Eat your heart out, Zuck.

🚨 Digital deception: Website OnlyFake is pumping out 20,000 highly realistic AI-generated fake IDs daily (think passports and driver’s licenses), capable of fooling even the tightest security checks for just $15 a pop. These IDs can get past online verification systems. Scary stuff.

Why the Kardashians can't kill Khloe's bikini pic

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The internet is going crazy over a picture of Khloe Kardashian in a bikini — but for the reasons you might not think. It’s a realistic photo, but the Kardashian Team wants it taken off the internet forever. But is this even possible?

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Working from home? Here's what to expect in 2021

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We’ve finally said goodbye to 2020 and can look ahead to 2021. I bring you the most realistic predictions for tech in the coming year. It’s going to be a wild one. 

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My 2021 tech predictions

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It’s New Year’s Eve and today, I bring you the most realistic predictions for tech in the coming year. It’s going to be a wild one.

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Are 'human' voices next for smart assistants?

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Siri, Alexa, Cortana and all the other smart assistants are helpful, but they’re far from human sounding. One tech company is looking to change that with realistic synthetic voices.

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Trick to getting a good deal on the right TV

With the volume of televisions available today, it’s no wonder consumers are confused over what’s a good deal and what isn’t. As retailers pushed mountains of sets throughout the holidays, you would think the best TV buys departed with the seasonal decorations.

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Heads up! Scary ads taking over YouTube

Avoid this fake Apple scam spreading right now

Open/download audioBig iOS scam hits iPhone, Mac and Windows PC users too. The scam uses a realistic looking but fake Apple website and once you get routed to it, you get an alarming message. Listen to Kim tell you the number one rule to avoid falling for such malicious scams!

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