Financial Calculators
Feel free to browse our complete list of financial calculators and resources. How much do you need to retire? Should you refinance your home? Take the guess work out with the below list of financial and retirement calculators.

Automotive
 Auto loan – Accelerated payoff
 Auto purchase – Loan versus 0% dealer financing?
 How much can I lower my monthly payment with a new auto loan?
 How much vehicle can I afford?
 Should I lease or purchase an auto?
 Should I refinance my auto loan at a lower rate?
 Should I upgrade to a more fuel efficient vehicle?
 What would my auto payments be?
Business
 How many units do I need to sell to break even?
 Should I lease or buy equipment?
 Should I pay or charge monthly, quarterly or annually?
 What are my business financial ratios?
 What are my new business startup costs?
 What are the tax savings of a qualified retirement/cafeteria plan?
 What is my total employee compensation package worth?
 What is the value of my business?
Cash Flow
 Historical inflation – Compare purchasing power
 How does inflation impact my standard of living?
 How long will my money last with systematic withdrawals?
 How much am I spending?
 How much do I need for emergencies?
 Should I pay down debt or invest my monthly surplus?
 Should my spouse enter the work force?
 What is my current cash flow?
 What is my current net worth?
 What is my projected cash flow?
 What is my projected net worth?
 What is the value of reducing, postponing or foregoing expenses?
College
 How much should I be saving for college?
 Should I live at home, on campus, or off campus?
 What are the advantages of a 529 college savings plan?
 What are the advantages of a Coverdell ESA?
 What are the payments on a parental (PLUS) loan?
 What is the value of a college education?
 When should I begin saving for my child’s college?
 Will I be able to pay back my student loans?
Credit
 Do I have too much debt?
 How long until my loan is paid off?
 How long will it take to pay off my credit card(s)?
 Restructuring debts for accelerated payoff
 Should I consolidate my personal debt into a new loan?
 Should I pay off debt or invest?
 What is the balance on my loan?
 What is the impact of making extra payments on my debt?
 What would my loan payments be?
 Which is better: Cash up front or payments over time?
Custom
Home and Mortgage
 Adjustable rate mortgage calculator
 Compare a ‘nocost’ vs. traditional mortgage
 Compare an interestonly vs. traditional mortgage
 Comparing mortgage terms (i.e. 15, 20, 30 year)
 How do closing costs impact the interest rate?
 How much can I borrow from my home equity (HELOC)?
 How much home can I afford?
 Mortgage calculator
 Should I convert to a biweekly payment schedule?
 Should I pay discount points for a lower interest rate?
 Should I refinance my mortgage?
 Should I rent or buy a home?
 What are the tax savings generated by my mortgage?
 Which is better, fixed or adjustablerate mortgage?
Insurance
 How long will my current life insurance proceeds last?
 How much disability income insurance do I need?
 How much life insurance do I need?
 How much will I earn in my lifetime?
 What are my longterm care insurance needs?
 What are my needs for burial and final expenses?
 What are the chances of becoming disabled?
 What are the tax advantages of an annuity?
 What is my life expectancy?
 What is the future value of an annuity?
 Which is better, comprehensive plan or highdeductible plan with HSA?
Investments
 Certificate of deposit (CD) laddering strategy
 Certificate of deposit (CD) analyzer
 Compare taxable vs. taxfree investment return
 How do expenses impact mutual fund returns?
 How should I allocate my assets?
 Share Certificate analyzer
 Share Certificate laddering strategy
 Taxable vs. taxadvantaged savings?
 What is my risk tolerance?
 What is the dividend yield on a stock?
 What is the longterm impact of increased investment return?
 What is the return on my real estate investment?
 What is the value of a bond?
 What is the value of a call or put option?
 What is the value of compound interest?
Paycheck and Benefits
 Convert my hourly wage to an equivalent annual salary
 Convert my salary to an equivalent hourly wage
 What may my 401(k) be worth?
 How much will my company bonus net after taxes?
 How will payroll adjustments affect my takehome pay?
 Should I exercise my ‘inthemoney’ stock options?
 What is the future value of my employee stock options?
 What is the impact of increasing my 401(k) contribution?
 What is the impact of increasing my 403(b) contribution?
 What is the impact of increasing my 457 Plan contribution?
 What may my 403(b) Plan be worth?
 What may my 457 Plan be worth?
Qualified Plans
 Evaluate my company pension payout options
 How do I maximize my employer 401(k) match?
 How much can I contribute to an IRA?
 How much retirement income may my IRA provide?
 I’m selfemployed, how much can I contribute to a retirement plan?
 Net unrealized appreciation (NUA) vs. IRA rollover?
 Should I convert to a Roth IRA?
 What are my lump sum distribution options?
 What are my Stretch IRA distributions?
 What is my current year required minimum distribution?
 What is my projected required minimum distributions?
 What is the impact of borrowing from my retirement plan?
 What is the impact of early withdrawal from my 401(k)?
 What will my qualified plan(s) be worth at retirement?
Retirement Calculators
 Are my current retirement savings sufficient?
 Compare a Roth 401(k) to a Traditional 401(K)
 How does inflation impact my retirement income needs?
 How much retirement income may my 401(k) provide?
 How much will I need to save for retirement?
 How will retirement impact my living expenses?
 I’m retired, how long will my savings last?
 Should I convert discretionary expenses to savings?
 Social security retirement income estimator
 When should I begin saving for retirement?
Saving Calculators
 How much should I save to reach my goal?
 Becoming a millionaire
 Calculate rate of return
 How do taxes and inflation impact my investment return?
 How long until my savings reach my goal?
 How long will it take to double my savings?
 Income generated by a savings plan
 Save now vs. save later
 What could my current savings grow to?
 What is the effective annual yield on my investment?
Taxes
 Tax refund estimator
 Federal income tax estimator
 Capital gains (losses) tax estimator
 Compare taxable, taxdeferred, and taxfree investment growth
 How much of my social security benefit may be taxed?
 How much selfemployment tax will I pay?
 Should I adjust my payroll withholdings?
 Should I itemize or take the standard deduction?
 Tax freedom day
 What are the tax implications of paying interest?
 What is my potential estate tax liability?
 What is my taxequivalent yield?
 Will my investment interest be deductible?