FINANCIAL CALCULATOR GALLERY

Our complete set of calculators is listed below. Feel free to try them out as often as you like.

Cash Flow Calculators

• How does inflation impact my standard of living?  
• How much am I spending?  
• How much do I need for emergencies?  
• Should I pay down debt or invest more?  
• How long will my money last?  
• Should my spouse enter the work force?  
• What is my current net worth?  
• What is my projected net worth?  
• What is my current cash flow?
• What is my projected cash flow?
• Value of reducing or foregoing expenses.
• Historical inflation – Compare purchasing power

Credit Calculators

• How long will it take to pay off my credit card(s)?  
• How long until my loan is paid off?  
• What would my loan payments be?  
• Do I have too much debt?  
• What is the balance owing on my loan?  
• Should I consolidate my personal debt?  
• Re-structuring debts for accelerated payoff  
• Which is better, cash up front or payments over time?  
• What is the impact of making extra debt payments?  
• Should I pay off debts or invest the money?

Taxation Calculators

• What is my potential estate tax liability?  
• federal income tax estimator  
• Should I adjust my payroll withholdings?  
• Will my investment interest be deductible?  
• How much self-employment tax will I pay?  
• Capital gains (and losses) tax estimator  
• Compare taxable, tax-deferred, and tax-free growth  
• How much of my social security benefit may be taxable?  
• What are the tax implications of paying interest?  
• Should I itemize or take the standard deduction?  
• What is my taxable-equivalent yield?  
• Tax refund estimator
• Tax freedom day

Paycheck & Benefits Calculators

• How much will my company bonus net after taxes?  
• How will payroll adjustments affect my take-home pay?  
• Convert my salary to an equivalent hourly wage.  
• Convert my hourly wage to an equivalent salary.  
• What is the future value of my employee stock options?  
• Should I exercise my “in-the-money” stock options?  
• What may my 401(k) be worth?  
• What is the impact of increasing my 401(k) contribution?  
• What may my 457 Plan be worth?  
• What is the impact of increasing my 457 Plan contribution?

Retirement Calculators

• How will retirement impact my living expenses?  
• How much will I need to save for retirement?  
• Are my current retirement savings sufficient?  
• Social security retirement income estimator  
• How does inflation impact my retirement income needs?  
• I’m retired, how long will my savings last?  
• When should I begin saving for retirement?  
• Should I convert discretionary expenses to savings?  
• How much retirement income may my 401(k) provide?  
• Compare a Roth 401(k) to a Traditional 401(K)

Saving Calculators

• Becoming a millionaire
• Income generated by a savings plan.
• How long will it take to double my money?
• How long until my savings reach my goal?
• Save now vs. save later
• How much should I save to reach my goal?
• What will my current savings grow to?
• Calculate rate of return
• How do taxes and inflation impact my return?
• What is my effective annual yield?
  

Custom Calculators

Estimate your credit score

Investment Calculators

• How should I allocate my assets?  
• Compare taxable vs. tax-free investment return  
• What is the value of a bond?  
• What is the return on my real estate investment?  
• What is the value of compound interest?  
• What is the value of a call or put option?  
• Taxable vs. tax-advantaged saving comparison.
• What is my risk tolerance?
• What is the long-term impact of increased return?
• Certificate of deposit (CD) analyzer
• What is the dividend yield on a stock?
• How do expenses impact mutual fund returns?
• Certificate of deposit (CD) laddering strategy

Business Calculators

Tax savings of a qualified retirement/cafeteria plan

College Calculators

• How much should I be saving for college?
• Will I be able to pay back my student loans?
• Advantages of the Coverdell ESA.
• Advantages of a 529 College Savings Plan
• What is the value of a college education?
• What are the payments on a parental (PLUS) loan?
• Should I live on campus, off campus or at home?
• When should I begin saving for child’s college?

Home & Mortgage Calculators

• How much home can I afford?
• Should I refinance my home mortgage (breakeven)?
• Mortgage calculator
• Comparing mortgage terms (i.e. 15, 20, 30 year)
• Should I pay discount points for a lower interest rate?
• Should I rent or buy a home?
• Should I convert to a bi-weekly payment schedule?
• Compare a ‘no-cost’ vs. traditional mortgage
• What are the tax savings generated by my mortgage?
• Which is better, fixed or adjustable-rate mortgage?
• Adjustable rate mortgage calculator
• How do closing costs impact the interest rate?
• Compare an interest-only vs. traditional mortgage
• How much can I borrow from my home equity (HELOC)?
  

Insurance Calculators

• How much life insurance do I need?
• What is my life expectancy?
• What are my needs for burial and final expenses?
• How much disability income insurance do I need?
• What are the chances of becoming disabled?
• What are my long-term care insurance needs?
• How much will I earn in my lifetime?
• What are the tax advantages of an annuity?
• How long will my current life insurance proceeds last?
• What is the future value of an annuity?
• Which is better, comprehensive plan or high-deductible plan with HSA?

Qualified Plans Calculators

• Evaluate my company pension payout options
• How much can I contribute to an IRA?
• How much retirement income can my IRA provide?
• Should I convert to a Roth IRA?
• What will my qualified plan be worth at retirement?
• What is my current year required minimum distribution?
• What is my projected required minimum distributions?
• What are my lump sum distribution options?
• How do I maximize my employer 401(k) match?
• What is the impact of borrowing from my 401(k) plan?
• What is the impact of early withdrawal from my 401(k)?
• I’m self-employed, how much can I contribute to a retirement plan?
• Net unrealized appreciation (NUA) vs. IRA rollover?
• What are my Stretch IRA distributions?

Auto Calculators

• Should I lease or purchase an auto?
• Auto purchase – Loan versus 0% dealer financing?
• What would my auto payments be?
• Should I upgrade to a more fuel efficient vehicle?
• Auto loan – Accelerated payoff
• How much vehicle can I afford?