javascript savings calculator
30.12.2020, , 0
While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Note: if you want to provide better UX, you can show the operator getting clicked on repeatedly with some CSS changes. To get the operator, we can also use the same technique. The parse date gived the result in milliseconds and to get it by day you have to divided it by 24 * 60 * 60 * 1000. You can use a calculator to calculate your shopping bill, calculate your loan, perform simple mathematical calculations, etc. This time, we need calculator.dataset.firstValue and calculator.dataset.operator. With different orders, we can create different layouts of the calculator. The result is the amount of simple interest the account earns in that time period. 2. If the keys data-action is decimal, we know the user clicked on the decimal key. Lets call this troublemaker Tim. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access How to build an HTML calculator app from scratch using JavaScript Zell Liew This is an epic article where you learn how to build a calculator from scratch. The output element will further contain 2 pre elements. You can easily change the interest rates, deposits, frequency of interest compounding and the number of years you have to save. Heres the code we have for the decimal key: As before, we want to move anything that changes display.textContentinto createResultString. This calculator demonstrates how to put this savings strategy to work for you. --> <!DOCTYPE html> <html lang = "en"> <head> The easiest way to get the difference between two dates: var diff = Math.floor ( (Date.parse (str2) - Date.parse (str1)) / 86400000); You get the difference days (or NaN if one or both could not be parsed). Come back to this lesson once youve tried for one hour (doesnt matter whether you succeed or fail. By the end of the article, you should get a calculator that functions exactly like an iPhone calculator (without the +/- and percentage functionalities). This information may be different than what you see when you visit a financial institution, service provider or specific products site. Minimally, you need to know these things: I urge you to try and build the calculator yourself before following the lesson. The national average savings rate is 0.35%, though some high-yield savings accounts earn much more. The Easy Savings Calculator script exists in three parts, (1) HTML code, (2) CSS code, (3) JavaScript code. The hapy path isnt enough. When Mary picks up a calculator, she could hit any of these keys: It can be overwhelming to consider five types of keys at once, so lets take it step by step. Conversion. to cover three to six months' worth of basic expenses. Why was the nose gear of Concorde located so far aft? We can do so by replacing the displays textContent property. If the if condition did not match, we still want to return the displayed number. Explore the world of web technologies through a series of tutorials, A Junior Front End Web Developer || Code lover || Student of knowledge. In this case, we can use an event delegation pattern to listen, since keys are all children of .calculator__keys. Make sure you declare the function correctly. We are going to use: We will start building our calculator step by step. 2006 - 2023 CalculatorSoup Margarette Burnette is a savings account expert at NerdWallet. Everything there is to know on how to save is presented below the application form. Refresh the page, check Medium 's site. By budgetary benefits we mean the direct financial benefits to the national budget. Fourth, the user clicks the equals key. 3) Its parseFloat, not parsefloat. Use the free savings calculator to determine how much your money can grow over time. Example 1: Create a JavaScript Calculator using the JavaScript, HTML and CSS programming languages. Deposit Amount How much will you be depositing on a regular basis? We wrote the following code to handle the clear key. APY valid as of 02/14/2023. Lets refactor it to make it cleaner. Take our 3 minute quiz and match with an advisor today. Second, lets say the user clicks the subtract operator. If you are able to save 20% of your take-home income each month, you may be well on your way. Checking accounts are used for day-to-day cash deposits and withdrawals. Let's move on to updateCalculatorState. With this growth calculator, you can set a goal and figure out how much you need to save each month to hit the mark. When you do this, make sure you change display.textContent = into return. Here, we need calculatedValue and displayedNum. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. If the calculator shows a non-zero number, we want to append the clicked key to the displayed number. Can you understand why? (They have no content, hence no innerHTML. We can do so by passing in the correct values into calculate through a ternary operator. You can select a number of years or months. Use this savings calculator to compare other contribution amounts. 1. Instead of secondValue, we want the set firstValue to the displayed number. So, let's start creating the structure of our calculator. The second calculated value is wrong. We are using 'document.querySelector('button:nth-child(2)')' to get the button with position 2. Instead of display.textContent = 'some value', we want to return each value so we can use it later. Third, if Tim hits the equals key after a calculation is completed, another calculation should be performed again. If Mary hits any number after hitting a decimal key, the number should be appended on the display as well. This what the average person would do is called the happy path. with the includes method. When you track your spending, you know where your money goes and you can ensure that your money is used wisely. What are index funds and how do they work? , though some high-yield savings accounts earn much more. Want to upgrade your account? If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. JavaScript is case-sensitive. See The Script In Action Pre-qualified offers are not binding. One way to do this is through a custom attribute. JavaScript closure inside loops simple practical example. Your annual percentage yield can be as high as 3.30% based on the following combined rate rewards: direct deposits (not including intra-bank transfers from another account) totaling $1,500 or more each month will earn 0.40%. The national average savings rate is. Similarly, we can perform the subtraction, multiplication, and division of the number in JavaScript Calculator. Third, lets say the user clicks on a second value this time, its 1. All financial products, shopping products and services are presented without warranty. Story Identification: Nanomachines Building Cities. Pre-qualified offers are not binding. See if you can identify what we did). Heres what our calculator shows: First, lets say our user clicks 5. The second value is calculated wrongly, because we fed the wrong values into the calculate function. Monthly contributions: This is the amount you will deposit on an ongoing monthly basis. To calculate for a savings account where you make deposits and withdrawls, use Second, if Tim hits CE, the display should read 0. You can grab the source code for the edge cases part through this link (scroll down and enter your email address in the box, and Ill send the source codes right to your mailbox). Well use them in the refactor. DST varies around the world for timezones where DST is observed. For secondValue to persist to the next calculation, we need to store it in another custom attribute. freeCodeCamp's open source curriculum has helped more than 40,000 people get jobs as developers. We believe everyone should be able to make financial decisions with confidence. Here's what needs to be copied: When copying the code into createResultString, make sure you return values for every possible scenario: Next, we want to reduce reassignments. How does the NLT translate in Romans 8:2? Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. A simple calculator is used to perform simple mathematical calculations like addition, subtraction, multiplication, and division. As above, want to move everything that changes display.textContentinto createResultString. Next, lets say Mary continues her calculation by hitting an operator key. You can select a number of years or months. 3.75% APY (annual percentage yield) with $0 minimum balance to earn stated APY. As always, take note of the properties and variables used: We know we need five variables/properties for updateCalculatorState: Since modValue can be retrieved from calculator.dataset, we only need to pass in four values: We changed three kinds of values in updateCalculatorState: If you want to make it cleaner, you can split (2) and (3) into another function updateVisualState. So what *is* the Latin word for chocolate? updateCalculatorState is an impure function that changes the calculator's visual appearance and custom attributes. The operator key should also release its pressed state. This influences which products we write about and where and how the product appears on a page. 8 Answers. Put that $10,000 in a high-yield savings account that earns 2% APY for the same amount of time, and you can earn more than $200. Annual interest: Estimate the rate you'll earn on your investment by checking our rate tables. Think of the nominal interest rate as a bag of dry rice, with the calories listed on the packaging. Before you attempt follow through the lesson, please make sure you have a decent command of JavaScript. And since we have one statement per if condition, we can remove the brackets. When Mary hits the equals key, the calculator should calculate a result that depends on three values: After the calculation, the result should replace the displayed value. They can hit: The first steps to building this calculator are to be able to (1) listen for all keypresses and (2) determine the type of key that is pressed. Second, if Tim hits a number, followed by an operator, followed by a equals, the calculator should calculate the result such that: We have already taken this weird input into account. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. To clear all numbers, we will use 'outputLower.innerHTML = '0';' method. Finally, take note of the variables and properties required. Using a savings calculator allows you to see how fast your money will grow when put in an interest-earning account. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Simple Savings Calculator This simple savings calculator can estimate how much will your investment account with monthly contribution grow and how much interest you can earn. What can a lawyer do if the client wants him to be aquitted of everything despite serious evidence? Our Raleigh-based team of in-house solar experts is proud to serve the areas of: Apex. When the above program is executed on any browser, it shows the below image. Calculate interest growth on all your savings accounts. We are checking and replacing the last operator because if someone presses + operator more than once then it becomes ++ or +++ which is not a valid operator. If the previousKeyType is an operator, we want to replace the displayed number with clicked number. 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Before we do this, we need a way to tell if the previous key is an operator key. Second, nothing should happen if Tim hits the same operator key multiple times. All CD Rates. Annual interest rate: This is the yield you expect to earn. A Red Ventures company. Annual percentage yield (variable) is as of 02/06/2023. Here is the complete CSS code of the calculator. Before continuing on, make sure you know these JavaScript practices/features. Go check out Learn JavaScript :), Learn to code for free. If you look at the leftover code, you may notice we change data-previous-key-type for every type of key. The nominal interest rate is not a lie, just as the . To get the first number, we need to store the calculators displayed value before we wipe it clean. Once we have the correct previousKeyType, we can use it to check if the previous key is an operator. Money Market Accounts. Betterment Cash Reserve Paid non-client promotion. What to do when you lose your 401(k) match, California Consumer Financial Privacy Notice. First, if Tim hits a key (any key except clear), AC should be changed to CE. Remember that firstValue and secondValue are strings at this point. You can find the best rates on CDs, checking, savings and money market accounts. For example: A four-year $20,000 loan with an APR of 18.34% would have an estimated monthly payment of $561.60 and total cost of $26,956.80. Compound savings calculator. The APY rate is the figure that includes compounding. The formula for this is P r t . With a starting balance and regular deposits, how much can you save? I really can't find what is going wrong and it does not show the results. To reset the calculator to its initial state, we need to clear all custom attributes weve set. Popular: NEW. So how do we make money? To append a number, we concatenate a string. Using our Simple Savings Calculator can help you quickly and accurately estimate the growth of your investment. If the keys data-action is calculate, we know the user clicked on the equals key. Use the template formula or drag & drop build your own. It's an optional field. You can start with as few as three values: Starting. For savings accounts and CDs, all of the . This will replace the expression with 0. We can do so with the two functions parseInt and parseFloat. Its important to put things down on paper or in a digital planner to keep track of what you will spend money on. Here's what updateVisualState can look like: The code become much cleaner after the refactor. Or there could be a case of +*, +/+, etc. The more frequently this occurs, the sooner your accumulated earnings will generate additional earnings. Annual Contribution. Once we have the three values we need, we can perform a calculation. Select both of them using the querySelector method. Also, remember that Javascript is case sensitive therefore the right way to parse a float is You can enter either within our calculator (indeed, our APY calculator will work out the APY rate for you, if you enter the nominal rate). The higher the rate, the faster a savings account will grow. Her work has been featured in USA Today and The Associated Press. Accounts must have a positive balance to remain open. You'll also see a potential payment schedule with the new refinanced loan. We can refactor the above to: Visually, we need to make sure all keys release their depressed state. The above function will be called when any operator button is pressed. Next, lets say Mary decides to complete her calculation by hitting the equals key. To use this calculator, you'll need the following information: Initial amount: This is the starting amount of your investment, or how much you can initially contribute to the account. https://www.calculatorsoup.com/calculators/financial/savings-calculator.php. In above program, the user is asked to enter either +, -, * or /, and two numbers. In the above code, you can see the buttons are in a certain order because we want our buttons to be in specific places. Once Mary has hit an operator key, shell hit another number key. When you refactor, youll often start with the most obvious improvements. Quantity. With that, lets begin by understanding how a calculator works. We can use this knowledge to prevent the equals from calculating. 4.50% APY (annual percentage yield) as of 02/14/2023. I have to write a calculator in HTML. Your answer would be significantly improved by some explanation, rather than just code. Monthly deposit: The monthly deposit is the amount you can contribute to the growth of your investment each month. Our partners compensate us. We also want to carry forward the previous secondValue into the new calculation. What are index funds and how do they work? You can further simplify the above code with another ternary operator if you feel comfortable with it: At this point, we want to take note of the properties and variables required again: We need seven properties/variables in createResultString: We can get keyContent and action from key. Check if the Numbers Have Same Last Digit, JavaScript Function and Function Expressions. Lets call this custom attribute data-previous-key-type. You can also use the calculator on your website or mobile app. Bankrate's savings calculators let you make the right decisions with your money. Note: we can improve the calculator further by adding keyboard support and accessibility features like Live regions. To release the pressed state, we remove the is-depressed class from all keys through a forEach loop: Next, we want to update the display to the clicked key. rev2023.3.1.43269. We performed addition and subtraction operations in the above image by clicking on the numeric button and then addition & subtraction operations. Calculates the future value of your savings account. Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. What does "use strict" do in JavaScript, and what is the reasoning behind it? CDs (certificates of deposit) are a type of savings account with a fixed rate and term, and usually have higher interest rates than regular savings accounts. With that, we have the correct calculation when the equals key is clicked consecutively. A Simple Expense Calculator Built With JavaScript | by Rukayat Lukman | Weekly Webtips | Medium 500 Apologies, but something went wrong on our end. Saving goals calculator. When evaluating offers, please review the financial institutions Terms and Conditions. When Mary hits a number key again, the previous display should be replaced with the new number. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. What factors changed the Ukrainians' belief in the possibility of a full-scale invasion between Dec 2021 and Feb 2022? All rights reserved. Well, thats terribly wrong! See NerdWallet's picks for the best high-yield online savings accounts. As mentioned before, createResultString should return the value that needs to be displayed on the calculator.You can get these values through parts of the code that says display.textContent = 'some value. If it is 0, then it will replace the 0 with the number pressed. Does Shor's algorithm imply the existence of the multiverse? Work out the interest on your IRA, calculate certificates of deposit growth or estimate how long it will take to save for a down payment on a house. This will remove the last number from the expression. We set also operator to subtract. Heres the code we wrote for the equals key: As above, we want to copy everything that changes display.textContentinto createResultString. We are using the eval() method to calculate the result. We'll focus on the JavaScript you need to writehow to think about building the calculator, how to write the code, and eventually, how to clean up your code. How do I include a JavaScript file in another JavaScript file? Here you will find the required source code which you can copy and use in your project. 542), How Intuit democratizes AI development across teams through reusability, We've added a "Necessary cookies only" option to the cookie consent popup. If Tim hits a decimal key when the display already shows a decimal point, nothing should happen. JavaScript Program to Make a Simple Calculator In this example, you will learn to write a program to make a simple calculator in JavaScript. If we want to remove the completely visible number, press the C (Cancel) button from the Calculator. Search and Compare Todays top high-yield savings accounts. After they click the subtract operator, we set firstValue to 99. The calculator is able to perform addition, subtraction, multiplication, and division on 2 or more than 2 numbers. Making statements based on opinion; back them up with references or personal experience. If you dont know any programming best practices, you may be tempted to refactor by splitting up each kind of action into a smaller function: Dont do this. photos by Sheng Han and Angelo Failla. This is the yield you expect to earn. We can tell by checking the the custom attribute, data-previous-key-type, we set in the previous lesson. How can I validate an email address in JavaScript? Ten (10) point-of-sale transactions per month using your Rewards Checking Visa Debit Card for normal everyday purchases with a minimum of $3 per transaction, or enrolling in Account Aggregation/Personal Finance Manager (PFM) will earn 0.30%; maintaining an average daily balance of at least $2,500 per month in an Axos Self Directed Trading Invest account will earn 1.00%; maintaining an average daily balance of at least $2,500 a month in an Axos Managed Portfolio Invest account will earn 1.00%; and making a monthly payment to an open Axos Bank consumer loan (commercial and business loans excluded) via transfer from your Rewards Checking account will earn a maximum of 0.60%. Beat me to it but here's a plnkr that shows it in action. https://www.calculatorsoup.com - Online Calculators. It doesnt help, because youre merely splitting up blocks of code. and Parenting. Sometimes, you need to be able to determine when Daylight Savings Time (DST) will occur in a given year. Although we can calculate a value when the operator key is clicked for a second time, we have also introduced a bug at this point additional clicks on the operator key calculates a value when it shouldnt. Jordan's line about intimate parties in The Great Gatsby? If the key does not have a data-action attribute, it must be a number key. Tinker with the amount to see how higher monthly deposits can boost your investment growth over time. Feel free to copy/paste everything into updateCalculatorState. firstValue and operator get carried forward to the next calculation since we did not update them. Learn how to grow your money faster by reading this explainer on compound interest. In this complete guide to JavaScript calculator, you have learned to create an awesome simple calculator. All financial products, shopping products and services are presented without warranty. 3.30%Your annual percentage yield can be as high as 3.30% based on the following combined rate rewards: direct deposits (not including intra-bank transfers from another account) totaling $1,500 or more each month will earn 0.40%. You can make a tax-deductible donation here. The above function will be called when any number button is pressed. Copyright 2011-2021 www.javatpoint.com. Connect and share knowledge within a single location that is structured and easy to search. Finally, connect the CSS and Javascript files to the HTML file. If you're purchasing a 5-year CD, your investment has 5 years to grow. They include addition, subtraction, multiplication, division, delete, all-clear, and of course, the ability to use decimal numbers in performing these operations. To create this effect, we can concatenate . The code we created for the event listener is huge. At this point, the code we created together is quite confusing. Dec 2021 and Feb 2022 happen if Tim hits the same technique, deposits, frequency of compounding! Include a JavaScript file in another JavaScript file addition & subtraction operations provide a wide range,. Located so far aft be able to perform simple mathematical calculations, etc figure... The calculator further by adding keyboard support and accessibility features like Live regions is! Rate: this is the complete CSS code of the calculator number pressed the subtraction,,! This time, its 1 create different layouts of the would do called... Need to be able to determine how much can you save as developers do so by passing the. Higher monthly deposits can boost your investment each month, you need to the... Be well on your website or mobile app above image by clicking on numeric... The figure that includes compounding match with an advisor today lets say Mary decides to complete her calculation by the. * or /, and division of the variables and properties required ll see! Br Tech services, Inc. NMLS ID # 1743443 | NMLS Consumer Access on 2 or than... Is huge update them attempt follow through the lesson, please make sure all keys their. In the possibility of a full-scale invasion between Dec 2021 and Feb 2022 2021 and Feb 2022 includes! Is calculate, we set in the above function will be called when any operator button is pressed institutions. Can select a number of years you have a data-action attribute, it be! Margarette Burnette is a savings account will grow when put in an interest-earning account we need to store calculators. Its initial state, we javascript savings calculator, we can perform a calculation completed. Financial institution, service provider or specific products site type of key the. Secondvalue, we know the user is asked to enter either +,,. Clicked key to the HTML file note of the variables and properties required time. Score or information from your credit report, please make sure all keys release javascript savings calculator depressed state market. To code for free value ', we can perform a calculation goes and you can easily change the rates. The variables and properties required for the best high-yield online savings accounts and CDs, checking, and! Allows you to see how higher monthly deposits can boost your investment Consumer Access the first number, Press C! This, make sure you have to save 20 % of your take-home income each month, can! The variables and properties required of display.textContent = into return the calculators displayed value we! It clean money is used to perform addition, subtraction, multiplication, and division on 2 or more 2... Years you have to save 20 % of your investment each month an! For every type of key featured in USA today and the Associated Press you see when lose... Make financial decisions with your money faster by reading this explainer on compound interest in... The amount you will spend money on to tell if the numbers have same Last Digit, function. To return the displayed number the clicked key to the displayed number the numeric button and then addition subtraction! Loan, perform simple mathematical calculations like addition, subtraction, multiplication and... Is calculate, we want to provide better UX, you may be well on your way division the... Secondvalue are strings at this point checking our rate tables interest the account earns in that time period x27 s... To be able to determine when Daylight savings time ( DST ) will occur in given! Numeric button and then addition & subtraction operations ' worth of basic expenses listener is huge matter you... When any operator button is pressed it in another JavaScript file number, we set to. Of 02/14/2023 of JavaScript values into calculate through a custom attribute appearance and custom.! Source code which you can identify what we did ) data-previous-key-type for every type of key 're purchasing a CD!, Press the C ( Cancel ) button from the expression mean the direct financial benefits to growth. Please review the financial institutions Terms and Conditions about every financial or credit product or service secondValue the. Or /, and division on 2 or more than 2 numbers for timezones where DST is observed shows decimal. Refactor the above to: Visually, we need to store it in custom... Clicking on the decimal key: as before, we need to know on how to save presented... Already shows a non-zero number, Press the C ( Cancel ) button from the yourself! At NerdWallet algorithm imply the existence of the multiverse and secondValue are strings at this,... A way to do when you refactor, youll often start with as few as values! ) method to calculate your loan, perform simple mathematical calculations like,... User clicked on the display already shows a non-zero number, we can use it later the. The eval ( ) method to calculate your shopping bill, calculate your loan, perform simple mathematical,. Attempt follow through the lesson, please review the financial institutions Terms and Conditions, frequency of compounding. Follow through the lesson, please review the financial institutions Terms and Conditions operator button is pressed event pattern. Apy rate is the amount you will find the required source code which you can an... Number pressed initial state, we can use it to check if the client him., you need to clear all custom attributes weve set out Learn JavaScript: ), AC should able! National budget we will use 'outputLower.innerHTML = ' 0 ' ; ' method code which you can identify we... Believe everyone should be changed to CE design / logo 2023 Stack Inc! Consumer Access ternary operator and secondValue are strings at this point, nothing should happen,. Decisions with confidence next, lets say the user clicks on a page calculator using the JavaScript HTML... Before following the lesson, please contact TransUnion directly a decent command JavaScript. ) with $ 0 minimum balance to earn does `` use strict '' do in JavaScript, and. Savings time ( DST ) will occur in a digital planner to keep track what! Intimate parties in the Great Gatsby calculator can help you quickly and accurately Estimate the you. Splitting up blocks of code credit score or information from your credit report, please make sure you have to. ' to get the button with position 2: Estimate the rate, the code we created is... You change display.textContent = into return: we will start building our calculator a! Our simple savings calculator allows you to try and build the calculator is used to simple. The sooner your accumulated earnings will generate additional earnings numbers have same Digit. Are able to make financial decisions with confidence invasion between Dec 2021 Feb. The numbers have same Last Digit, JavaScript function and function Expressions the the custom.! On how to grow we created together is quite confusing a lawyer do if the data-action... Monthly deposits can boost your investment growth over time way to do this is the yield expect. Key after a calculation is completed, another calculation should be replaced with the new loan... Potential payment schedule with the amount of simple interest the account earns in that period. Carried forward to the displayed number tried for one hour ( doesnt matter whether you succeed or...., though some high-yield savings accounts boost your investment growth over time updatecalculatorstate is an operator key her calculation hitting... Your own index funds and how do I include a JavaScript file in another custom attribute of! Provide better UX, you have to save balance to earn explainer on compound interest a second is!, another calculation should be replaced with the most obvious improvements a financial institution, service provider or specific site... Jordan 's line about intimate parties in the possibility of a full-scale invasion between Dec 2021 and 2022... Rate, the user clicks 5 percentage yield ( variable ) is as javascript savings calculator 02/06/2023, then will! = ' 0 ' ; ' method the structure of our calculator shows: first, lets Mary... ( doesnt matter whether you succeed or fail still want to remove the brackets function. What is going wrong and it does not show the results remember firstValue. Create different layouts of the number in JavaScript, HTML and CSS programming languages is able to save is below... Mean the direct financial benefits to the next calculation, we concatenate a string you need to know how., then it will replace the displayed number condition, we need to all! Account will grow CSS changes output element will further contain 2 pre elements the expression frequency... This is the amount of simple interest the account earns in that time period division of calculator! Accounts and CDs, all of the calculator on your investment each month, you notice... The complete CSS code of the calculator further by adding keyboard support and accessibility features like Live regions visible,! To do when you visit a financial institution, service provider or specific products.! Appears on a page Mary hits a number key yield ) as of 02/06/2023 line... Clicks the subtract operator user clicks on a page number in JavaScript strategy to work for you you be. By reading this explainer on compound interest in Action Pre-qualified offers are not.! Was the nose gear of Concorde located so far aft or information from your score! You want to carry forward the previous key is clicked consecutively calculator further by adding keyboard support and features. Understanding how a calculator to compare other contribution amounts % APY ( annual percentage yield ( variable ) as.
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javascript savings calculator