As a tech-savvy college grad, you want the convenience of managing your money on the go but don’t want to pay a fee to do. The good news? You can save money and track your finances for free using Google.
From finding a budget template to saving money on flights, there are lots of free tools within Google’s domain that will help student loan borrowers manage their money better. Below are five free Google tools to help you master your money.
1. Google Drive template gallery
One of the best things about Google Drive is the ability to access a vast library of spreadsheet templates that other people have created. With the free template galleries, you can get access to spreadsheets related to family planning, budgeting, wedding expenses, invoicing clients, and more.
There’s a wide variety of docs, spreadsheets, and presentations that already have pre-populated templates for you to use. As you find different templates you like and use often, you can save them to your own personal library of templates to access at a later date.
To make it even more convenient, there’s a free Chrome extension called Drive Template Gallery so you can create and view various templates at a glance.
2. Google Finance stock market tracker
If you want to keep up with the stock market and your personal investments, the Google Finance stock market tracker is just what you’re looking for. This tool provides up-to-date stock market trends in real time, so you can keep tabs on the finance world.
Start by creating a portfolio within Google Finance and insert the stock symbols for the investments you own. The Finance tracker will populate relative information to your investment and you’ll be able to track the stock’s last price, market cap, that day’s gain or loss, and see a graph of your investment’s values over time.
Check out Google Domestic Trends on nearly every market you can think of, from travel, advertising, insurance, and more. You can also stay updated on the latest news and happenings with the Market Summary and News sections.
3. Google savings calculator
Another great tool inside Google is a simple savings calculator template you can use with your own figures. This free tool will produce a yearly summary of your savings, scheduled deposits, and extra annual contributions, and integrate all of that into a graph so you can view your balance over time.
Just click the “Use this template” button at the top of the page and input your personal savings numbers. This can apply to investments, general savings accounts, or other types of savings calculations you need to perform.
For example, when I input my own figures into the savings calculator it shows that I will have invested $84,000 in the next 35 years and will earn $138,020.81 in interest.
This is super helpful when saving for retirement or other long-term goals such as buying my first house, since it shows whether or not I’m on track for a specific goal.
I can come up with ideas on how to better reach that financial goal, whether it’s taking more risks with investments or socking away more money every month towards that goal.
4. Google’s flight comparison
As consumers, we’re always looking for ways to save money on travel-related expenses. With Google’s flight comparison tool, you’ll have no problem finding the best times to travel at the most affordable prices.
Start by selecting your destination and travel dates. Google’s results will return with the best flight recommendations based on cost, as well as show you other options on similar flights.
Change your search options to include a price range, specific airlines, travel times, and types of seating classes to find the best deal. Fares are updated once a day and you can sign up to receive email alerts right in your inbox by saving your flight information.
5. Google Shopping price comparison
Thanks to the Google Shopping price comparison tool, you no longer have to pay full price for anything.
Simply enter an item in the shopping search bar and the tool will populate the best results and prices for that particular purchase. Sort by the most popular, best reviewed, or lowest price to get customized results.
This shopping comparison tool is especially handy during the holiday season. With everything from tech to clothing to gadgets, Google Shopping will help you find the best deal for anything you need to purchase.
Use Google to manage your money better
There are many ways to use Google’s free tools to make managing your money easier — and this is just the beginning. With other apps like Google Wallet and Google Express, you can have more control over your money and shopping habits.
There are all kinds of creative and useful ways to use these free tools to budget more efficiently, plan your next vacation, and review your investments.
Interested in refinancing student loans?Here are the top 6 lenders of 2018!
|Lender||Variable APR||Eligible Degrees|
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 6.97% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 6.30% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at firstname.lastname@example.org, or call 888-601-2801 for more information on ourstudent loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for Laurel Road.
Laurel Road Disclosures
APR stands for “Annual Percentage Rate.” Rates listed include a 0.25% EFT discount, for automatic payments made from a checking or savings account. Interest rates as of 11/8/2018. Rates subject to change.
Variable rate options consist of a range from 3.27% per year to 6.09% per year for a 5-year term, 4.64% per year to 6.14% per year for a 7-year term, 4.69% per year to 6.19% per year for a 10-year term, 4.94% per year to 6.44% per year for a 15-year term, or 5.19% per year to 6.69% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.27% per year to 6.09% per year for a 5-year term would be from $180.89 to $193.75. The monthly payment for a sample $10,000 loan at a range of 4.64% per year to 6.14% per year for a 7-year term would be from $139.65 to $146.76. The monthly payment for a sample $10,000 loan at a range of 4.69% per year to 6.19% per year for a 10-year term would be from $104.56 to $111.98. The monthly payment for a sample $10,000 loan at a range of 4.94% per year to 6.44% per year for a 15-year term would be from $78.77 to $86.78. The monthly payment for a sample $10,000 loan at a range of 5.19% per year to 6.69% per year for a 20-year term would be from $67.05 to $75.68.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
3 Important Disclosures for SoFi.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.28% effective October 10, 2018.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.47% – 6.99%3||Undergrad & Graduate|
|2.47% – 6.30%1||Undergrad & Graduate|
|2.51% – 8.09%4||Undergrad & Graduate|
|3.02% – 6.44%2||Undergrad & Graduate|
|2.69% – 7.21%5||Undergrad & Graduate|
|2.79% – 8.39%6||Undergrad & Graduate|