Calculators

Please try our wide variety of financial calculators. Interactive calculations, dynamic graphs and fully customizable reports are just a few of the features that make our calculators stand out!

Cashflow

• 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 my monthly surplus?
• How long will my money last with systematic withdrawals?
• 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?
• What is the value of reducing, postponing or foregoing expenses?
• Historical inflation - Compare purchasing power

College

• How much should I be saving for college?
• Will I be able to pay back my student loans?
• What are the advantages of a Coverdell ESA?
• What are the 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 at home, on campus, or off campus?
• When should I begin saving for my child's college?

Credit

• 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 on my loan?
• Should I consolidate my personal debt into a new loan?
• Restructuring debts for accelerated payoff
• Which is better: Cash up front or payments over time?
• What is the impact of making extra payments on my debt?
• Should I pay off debt or invest?

Home & Mortgage

• How much home can I afford?
• Should I refinance my mortgage?
• 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)?

Taxation

• What is my potential estate tax liability?
• Federal income tax calculator
• Should I adjust my payroll withholdings?
• Will my investment interest be deductible?
• How much self-employment tax will I pay?
• Capital gains (losses) tax estimator
• Compare taxable, tax-deferred and tax-free investment growth
• How much of my social security benefit may be taxed?
• What are the tax implications of paying interest?
• Should I itemize or take the standard deduction?
• What is my tax-equivalent yield?
• 2014 tax refund estimator
• Tax freedom day

Insurance

• 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 my 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?

Paycheck & Benefits

• 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 annual 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?
• What may my 403(b) Plan be worth?
• What is the impact of increasing my 403(b) contribution?

Qualified Plans

• Evaluate my company pension payout options
• How much can I contribute to an IRA?
• How much retirement income may an IRA provide?
• Should I convert to a Roth IRA?
• What will my qualified plan(s) 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 retirement 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?

Retirement

• 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?

Saving

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

Investing

• 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 savings?
• What is my risk tolerance?
• What is the long-term impact of increased investment 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
• Share Certificate analyzer
• Share Certificate laddering strategy

Auto

• 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?
• Should I refinance my auto loan at a lower rate?
• How much can I lower my monthly payment with a new auto loan?

Business

• What are the tax savings of a qualified retirement/cafeteria plan?
• What are my new business startup costs?
• Should I pay or charge monthly, quarterly or annually?
• What is the value of my business?
• How many units do I need to sell to breakeven?
• Should I lease or buy equipment?
• What are my business financial ratios?
• What is my employee total compensation package worth?
• What are my tax savings with Section 179 deduction?