10 Financial Tools You Should Use

These online tools will help you get started and stay on track

by Stacy Julien, August 18, 2011

Lunch Savings Calculator

Can you imagine how much money you would save by bringing your lunch to work every day, instead of going out to eat? This calculator will show you how far brown-bagging it can stretch your hard-earned dollars. Try the Lunch Savings Calculator
— Photo by: Image Source/Aurora Photos

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Featured AARP Member Benefits

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Home & Real Estate

WayForth Home Transition Management

Free consultation and follow-up plan

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See more Home & Real Estate offers >

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Banking & Investments

Personal Loans from Marcus by Goldman Sachs®

No-fee personal loans

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Technology & Wireless

AT&T

Members can save monthly on qualified AT&T wireless plans

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{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Technology \u0026 Wireless","categoryUrl":"/benefits-discounts/?category\u003dtechnologyandwireless","categoryDeeplinkParam":"technologyandwireless","isLimitedTimeOffer":false,"offerJson":{"offer_id":"10042","offer_title":"AT\u0026T Unlimited Premium℠ Program","offer_short_title":"","offer_short_description":"Members can save monthly on qualified AT\u0026T wireless plans","modified_on":1538397840,"created_on":1477663080,"featured_offer":"80","last_updated_by":"Gretchen Quiteles","offer_description":"\u003cp\u003eMembers can learn how to save up to $10 per line per month on the AT\u0026amp;T Unlimited Premium℠ plan, plus receive up to $45 in waived activation and upgrade fees. \u003c/p\u003e","redemption_type":"yes","starts_on":1538366400,"created_by":"asi_admin1","country_code":"US","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"\u003cp\u003e\u003cb\u003eAT\u0026amp;T Signature Program Disclaimers\u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAT\u0026amp;T SIGNATURE PROGRAM DISCOUNTS:\u0026nbsp;\u003c/b\u003eAvailable to qualified employees, students \u0026amp; other authorized individuals associated with eligible companies, universities \u0026amp; other sponsoring organizations with a qualifying service agreement (Business Agreement). Must validate eligible online or provide valid employee badge/paystub, student ID, or other approved proof of eligibility in authorized retail store \u0026amp; subscribe to service under an individual responsibility account for which the qualifying individual is personally liable. Discount subject to Business Agreement \u0026amp; may be interrupted, changed, or discontinued without notice. Additional restrictions apply. \u003cb\u003e\u003cu\u003eCredits/Discounts\u003c/u\u003e\u003c/b\u003e: Start w/in 2 bill cycles after service activation \u0026amp; eligibility confirmed.\u0026nbsp; Applied after application of any available credit. \u003cb\u003e\u003cu\u003eService discount\u003c/u\u003e\u003c/b\u003e:\u0026nbsp; Req’s AT\u0026amp;T Unlimited Elite plan. $10 discount applied after the application of any available Autopay, paperless bill, only on phone lines 1 – 5. Any additional phone lines added over 5 and up to max of 10 reduces all phone line (including lines 1-5) discounts to $5/mo. per phone line. May not be stackable w/other oﬀers, credits or discounts. \u003cb\u003e\u003cu\u003eExclusions\u003c/u\u003e\u003c/b\u003e: Military, Veterans, First Responders, Massachusetts Public Sector Employees, AT\u0026amp;T employees, EMO, IMO and FirstNet customers. May not be combinable with other select offers or promotions.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cb\u003eAT\u0026amp;T UNLIMITED PREMIUM\u003csup\u003eSM\u003c/sup\u003e PLAN:\u003c/b\u003e All AT\u0026amp;T wireless services subject to terms and conditions in the Consumer Service Agreement (\u003ca href\u003d\"https://www.att.com/legal/terms.consumerServiceAgreementInformation.html\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" title\u003d\"AT\u0026amp;T Website\" rel\u003d\"noreferrer\"\u003eatt.com/csa\u003c/a\u003e).\u003cb\u003e Other Non-Phone Device Monthly Charges: \u003c/b\u003e$20 per tablet, $20 per camera; $10 per wearable. If no phone line, first standalone non-phone device will be billed at Starter plan, phone single line pricing. Phones only.\u003cb\u003e \u003c/b\u003eAdvertised monthly price includes monthly plan charge for talk, text and data \u0026amp; monthly per-line phone access charge for access to such services.\u0026nbsp;\u003cb\u003e OTHER RESTRICTIONS \u0026amp; FEES:\u003c/b\u003e Activation/upgrade fee per line (up to $45) \u0026amp; deposit may apply. \u0026nbsp;\u003cb\u003eAutoPay \u0026amp; Paperless Bill Discount:\u003c/b\u003e Monthly discount $10 per phone line when active \u0026amp; enrolled in both.\u003cb\u003e AT\u0026amp;T employees, retirees \u0026amp; IMO consumers are not eligible for the AutoPay and Paperless bill discount.\u003c/b\u003e Discount starts w/in 2 bill cycles. Credit card may be required (except for MA, PA and ND). Pay full plan cost until discount starts. \u003cb\u003eUNLIMITED DATA:\u003c/b\u003e For use in the United States (the “Domestic Coverage Area” or “DCA”), Mexico and Canada. \u003cb\u003eDATA RESTRICTIONS\u003c/b\u003e: 2G off-net data speeds may apply. All AT\u0026amp;T service is subject to AT\u0026amp;T network management policies. See att.com/broadbandinfo for details. \u003cb\u003e5G SERVICE\u003c/b\u003e: Requires a compatible 5G device. 5G service is not available everywhere. See att.com/5Gforyou for details. \u003cb\u003e\u0026nbsp;VIDEO STREAMING: \u003c/b\u003eIncludes Stream Saver feature which streams higher definition video in Standard Definition (max 1.5 Mbps) on compatible devices. Feature will not recognize all video content and may affect the speed of video downloads. To enjoy higher definition video when available, you can turn it off or back on at any time at att.com/myatt. Streaming/video resolution vary, are affected by other factors and restrictions apply. Details at att.com/streamsaver. \u0026nbsp;\u003cb\u003eActiveArmor\u003csup\u003eSM\u003c/sup\u003e advanced mobile security: \u003c/b\u003eCompatible device required. You must download the AT\u0026amp;T ActiveArmor app and accept its terms and conditions for full App functionality. May not detect all threats. May inadvertently block wanted calls; settings can be adjusted in the App. \u003cb\u003eIdentity Monitoring:\u003c/b\u003e May not detect all compromises or leaks of your personal data.\u003cb\u003e Public Wi-Fi Protection:\u003c/b\u003e\u0026nbsp;Requires setup; the feature is automatically enabled when your device joins a public (unencrypted) Wi-Fi network unless an alternate VPN service is active. Does not work when using certain video streaming apps or Wi-Fi calling on certain devices. Some features may not work while roaming internationally.\u0026nbsp;Details at \u003ca href\u003d\"https://www.att.com/security/\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" title\u003d\"AT\u0026amp;T Website\" rel\u003d\"noreferrer\"\u003ehttps://www.att.com/activearmor.\u003c/a\u003e\u003cb\u003e MOBILE HOTSPOT:\u003c/b\u003e Requires compatible device. Includes up to 50GB per line per month. After 50GB, mobile hotspot speed slowed to max of 128Kbps for the rest of bill cycle.\u0026nbsp; After this, mobile hotspot data usage, will be impacted and not fully functional. \u003cb\u003eUNLIMITED TALK:\u003c/b\u003e Phones only. Includes calls w/in and between DCA, Mexico \u0026amp; Canada. You may be charged for calls to special or premium service numbers and calls to other countries. For rates, see att.com/intlcalling. \u003cb\u003eUNLIMITED TEXT:\u003c/b\u003e Compatible phone and rate plan required. Includes unlimited messages up to 1MB in size within and from DCA, Mexico and Canada.\u0026nbsp; For texting to other countries, see att.com/text2world. Messages sent through applications may incur data or other charges. Advanced Messaging: Not available for use in Mexico and Canada. Other restrictions apply \u0026amp; can be found at att.com/advancedmessaging. \u003cb\u003eLIMITS:\u003c/b\u003e Max 10 devices on Unlimited Your Way plan group.\u0026nbsp; These plans may not be eligible for additional discounts, including but not limited to Signature discounts. AT\u0026amp;T employees \u0026amp; retirees may not be eligible for certain benefits, offers, and discounts associated with these plans.\u003c/p\u003e\u003cp\u003e\u003cb\u003eROAM LATIN AMERICA: Eligibility:\u003c/b\u003e Compatible smartphones only. \u003cb\u003eCountries: \u003c/b\u003eFor a list of included countries, go to \u003ca href\u003d\"https://www.att.com/roamlatam/\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" title\u003d\"AT\u0026amp;T Website\" rel\u003d\"noreferrer\"\u003ehttps://www.att.com/roamlatam\u003c/a\u003e. Countries are subject to change without notice. Coverage and data speeds vary by country (may be at 3G speed) and may change without notice. Coverage not available in all areas.\u003cb\u003e Unlimited Talk, Text and Data Usage: \u003c/b\u003eThis feature allows you to use data in an included country, make calls between included countries and from included countries to the U.S. and any country included in International Day Pass (“IDP”), and send text messages in an included country without roaming charges\u003cb\u003e.\u003c/b\u003e \u003cb\u003eCalls made to included countries while in the U.S. are not included. \u003c/b\u003eText messages received are rated as domestic. Unlimited text applies only to SMS and MMS and not to other messaging services or applications like iMessage.\u0026nbsp; \u003cb\u003eExcessive Use/Abuse:\u003c/b\u003e This feature is intended for roaming use during periods of travel to included countries by customers whose primary place of use is within the USA. Predominantly using your Unlimited Premium plan in one or more of the included countries may result in this feature being removed from your account. \u003cb\u003eCalls to non-\u003c/b\u003e \u003cb\u003eIDP countries: \u003c/b\u003eCalls from included Latin America countries to countries not included in IDP will get International Long Distance (ILD) charges.\u0026nbsp; For a list of IDP countries, go to att.com/globalcountries. Pay-per-use rates apply unless you add an ILD package to your device. Rates are subject to change without notice. For details, go to \u003ca href\u003d\"https://www.att.com/international/long-distance/\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" rel\u003d\"noreferrer\" title\u003d\"AT\u0026amp;T Website\"\u003eatt.com/intlcalling\u003c/a\u003e.\u003cb\u003e\u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAll offers, programming, promotions, pricing, terms, restrictions \u0026amp; conditions subject to change \u0026amp; may be modified, discontinued, or terminated at any time without notice\u003c/b\u003e.\u003c/p\u003e\u003cp\u003e©2022 AT\u0026amp;T Intellectual Property. All rights reserved. AT\u0026amp;T, the AT\u0026amp;T logo, all other AT\u0026amp;T marks contained herein are trademarks of AT\u0026amp;T Intellectual Property and/or AT\u0026amp;T affiliated companies.\u003c/p\u003e","offer_status":"Active","national_offer_flag":"yes","language_code":"EN","offer_type":"EverGreen","asi_category":"ASI Shopping","line_of_business":"ASI discounts","merchant_name":"","marketing_details":"","member_exclusive_flag":"no","parent_brand":"","source_name":"AT\u0026T","alternate_source_name":"","business_id":"30003","offer_video_thumbnail":"","image_url":"/content/dam/aarp/benefits_discounts/providers/a-t-and-t/1140x641-att-woman-working-from-home-june-2022.jpg","vertical_image_url":"/content/dam/aarp/benefits_discounts/providers/a-t-and-t/258x334-att-woman-working-from-home-june-2022.jpg","provider_image":"/content/dam/aarp/benefits_discounts/asi/offers/ATT/ATTAARPBrandingPage755x192.jpg","provider_logo":"/content/dam/aarp/benefits_discounts/providers/a-t-and-t/450x450-att-logo.jpg","offer_video_path":"","offer_copy_video_path":"","interstitial_title":"","interstitial_desc":"You\u0027ll leave AARP.org and go to the website of a trusted provider. 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","howto_redeem_already_registered_nonmember_label":"Already a member?","howto_redeem_already_registered_nonmember":"Link your membership","howto_redeem_already_registered_nonmember_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_already_registered_anon_link":"https://login.aarp.org/online-community/loginform.action?custom\u003dMBC\u0026offer\u003datt\u0026referrer\u003dhttps%3A%2F%2Fwww.att.com%2Fshopservlets%2Firulanding%3FiruToken%3DRIoTrGvHZHu2ly3uHnpnHb1iiuc8LpvuYIjOjJOJDyUO8KOJAEpv1PgPOG1pJlVzoDYAF8YNT7osObZiZdf7Pg%253D%253D%26src%3DMyAttSales","howto_redeem":"Learn More","howto_redeem_2":"Learn More","howto_redeem_url":"https://www.att.com/offers/discount-program/aarp/","howto_redeem_url_2":"","show_redeem_cta_2":false,"howto_redeem_desc":"Present your AARP membership card in-store or use your AARP login to shop on the AT\u0026T website.","is_redeemable_in_person":"true","howto_redeem_in_person":"","howto_redeem_cta_phone":"","howto_redeem_phone_instructions":"","howto_redeem_online_instructions":"","show_state_availability":"","state_availability_text":"SEE AVAILABILITY IN YOUR STATE","cardlinked_flag":"","ty_interstitialText":"Thanks for visiting aarp.org! 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The provider’s terms, conditions, and policies apply.","geoloc_provider_legal_info_spanish":"Dejarás el sitio de AARP y accederás al de un proveedor confiable. Aplican los términos, las condiciones y políticas del proveedor. Este sitio web podría no estar disponible en español.","geoloc_no_results_view_message":"There are no locations within a 100 mile radius. Please try another location","geoloc_no_results_view_message_spanish":"No hay ubicaciones dentro de un radio de 100 millas. Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"","pixel_learn_more_value":"","is_redeemable_only_in_person":false,"offer_keywords":["AT\u0026T","cell phone","Unlimited plan","cell phone discounts","phone bill"],"offer_keywords_spanish":["AT\u0026T","celular","plan ilimitado","descuentos en celulares","cuenta de teléfono"],"deeplink_url":"/benefits-discounts/?offer\u003datandt-10042","deeplink_param_value":"atandt-10042","offer_page_path":"/benefits-discounts/all/atandt-10042/","offer_page_data":"/content/aarpe/en/home/benefits-discounts/all/atandt-10042/_jcr_content/.dataview.json","offer_page_modal":"/benefits-discounts/all/atandt-10042.modalview/","evol_offer_page_path":"/benefits/all-offers-a-z/evol.atandt-10042/","evol_offer_page_modal":"/benefits/all-offers-a-z/evol.modalview.atandt-10042/","dbr_offer_id":"e3e617edbf7692e070a1e83aa26e1c3f","image_alt_text":"AT\u0026T Woman Working at Home","vertical_image_alt_text":"AT\u0026T Woman Working at Home","provider_logo_alt_text":"AT\u0026T Logo","provider_image_alt_text":"family selfie with tablet","offer_date_status":"n/a","image_url_width":"1140","image_url_height":"641","image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/a-t-and-t/1140x641-att-woman-working-from-home-june-2022.imgcache.rev5266168e3dac75f9e79b9e2004df75cf.jpg","vertical_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/a-t-and-t/258x334-att-woman-working-from-home-june-2022.imgcache.rev0cec98e6ebd9d75eb18b79c6a924bcde.jpg","vertical_image_url_width":"258","vertical_image_url_height":"334","provider_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/asi/offers/ATT/ATTAARPBrandingPage755x192.imgcache.revf3a5a70671066c26ab15e7a7bf00d992.jpg","provider_logo_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/a-t-and-t/450x450-att-logo.imgcache.revda929ba4523cedb2bb4aa59a8a1aa7c4.jpg","provider_image_width":"755","provider_image_height":"192","provider_logo_width":"450","provider_logo_height":"450","authentication_code_provider_url":"","authentication_code_provider_2_url":"","tags":[{"tagID":"dbr:technologyandwireless","title":"Technology \u0026 Wireless","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/technology-01.imgcache.revc55d5b9369bfdf76fedd3f70cb1f662d.svg","name":"technologyandwireless","deeplink_url":"/benefits-discounts/?category\u003dtechnologyandwireless","deeplink_param_value":"technologyandwireless","get_offers_url":"/etc/aarp/dbr/ws.api/offers/technologyandwireless.json","sub_tags":[]}],"ltos":[],"lto_daysleft_start_control":30,"master_brand":"atandt-10042","analytics_brand":"AT\u0026T","analytics_offerid":"atandt-10042","category_list":"technologyandwireless","subcategory_list":"","dbr_offer_type":"discount","offer_timing":"anytime","parent_offer_page_path":"","append_aid_paramter":"","enable_utm_parameters":"false","taxonomy_general_category":"home-and-family","taxonomy_level_1":"personal-technology"},"parentOfferJson":{}}]}
Health & Wellness

LensCrafters

Members can save 50% on prescription lenses

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