## 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 ‘no-cost’ vs. traditional mortgage
- Compare

an interest-only 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 bi-weekly 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 adjustable-rate 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 long-term 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 high-deductible plan with HSA?

### Investments

Certificate of deposit (CD) laddering strategy- Certificate of deposit (CD) analyzer
- Compare

taxable vs. tax-free investment return - How do expenses impact mutual fund returns?
- How should I allocate my assets?
- Share Certificate analyzer
- Share Certificate laddering strategy
- Taxable vs. tax-advantaged savings?
- What is my risk tolerance?
- What is the dividend yield on a stock?
- What is

the long-term 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 take-home pay? - Should I exercise my ‘in-the-money’ 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 self-employed, 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, tax-deferred, and tax-free investment growth - How much

of my social security benefit may be taxed? - How much self-employment 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 tax-equivalent yield?
- Will my investment interest be deductible?