Financial Calculators
Financial Calculators to Help You Plan with Confidence
Making informed financial decisions starts with having the right tools at your fingertips. Our financial calculators are designed to help you explore important questions around retirement planning, debt management, home affordability, insurance needs, college savings, and more. Whether you’re evaluating a mortgage refinance, estimating retirement contributions, or understanding the long-term impact of compound interest, these resources can help you make more confident, informed decisions about your financial future.
Committing to Living Within Your Means
- How much home can I afford?
- Should I upgrade to a more fuel efficient vehicle?
- How much vehicle can I afford?
- How much might my vehicle depreciate?
- Fuel cost calculator
- Should I buy an electric or gas powered vehicle?
- How does inflation impact my standard of living?
- How much am I spending?
- How much do I need for emergencies?
- Should my spouse enter the work force?
- Balance my checkbook
- Cost of living comparison
- What is my credit score?
- Should I rent or buy a home?
- Should I convert discretionary expenses to savings?
Understanding Taxes
- What are the tax savings generated by my mortgage?
- What are the tax advantages of an annuity?
- What is my potential estate tax liability?
- 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
- 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?
- Tax freedom day
- Tax Bracket Calculator
Determining Your Financial Position
- 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?
- How well are you doing financially?
Managing Debt
- Should I lease or purchase an auto?
- Should I refinance my mortgage?
- Auto purchase - Loan versus 0% dealer financing?
- What would my auto payments be?
- Auto loan - accelerated payoff
- Should I refinance my auto loan at a lower rate?
- How much can I lower my monthly payment with a new auto loan?
- Calculate my RV loan payments including balloon
- Should I pay down debt or invest my monthly surplus?
- 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
- What is the impact of making extra payments on my debt?
- Should I pay off debt or invest?
- Should I transfer my credit card balances?
- How much can I afford to borrow?
- Credit card minimum monthly payment calculator
- What is my loan rate?
- What monthly payments are needed to pay off my loan sooner?
- Mortgage calculator
- Comparing mortgage terms (i.e. 15, 20, 30 year)
- Should I pay discount points for a lower interest rate?
- Compare a 'no-cost' vs. traditional 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)?
- Loan comparison calculator
- How does a reverse mortgage work?
- What are my HELOC payments?
- Balloon mortgage calculator
- What is the impact of borrowing from my retirement plan?
- How soon can I breakeven if I refinance?
Insuring Your Health and Life
- How much life insurance do I need?
- How much disability income insurance do I need?
- What are the chances of becoming disabled?
- What are my long-term care insurance needs?
- How long will my current life insurance proceeds last?
- Which is better, comprehensive plan or high-deductible plan with HSA?
- What are the payments on an immediate annuity?
- What may my Health Savings Account (HSA) be worth?
Protecting Your Property with Insurance
- No Applicable Calculators
Paying for 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?
- What expenses should I expect before college?
Planning for Retirement
- Saving for Retirement (Calculate Your Point X)
- How much can I contribute to an IRA?
- How long will my money last with systematic withdrawals?
- Which is better: Cash up front or payments over time?
- What is my life expectancy?
- How much will I earn in my lifetime?
- Taxable vs. tax-advantaged savings?
- What may my 401(k) be worth?
- What is the impact of increasing my 401(k) contribution?
- What may my 457(b) be worth?
- What is the impact of increasing my 457(b) contribution?
- What may my 403(b) Plan be worth?
- What is the impact of increasing my 403(b) contribution?
- Should I contribute more to receive the maximum 401(k) match?
- Evaluate my company pension payout options
- 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 are 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 early withdrawal from my 401(k)?
- I'm self-employed, how much can I contribute to a retirement plan?
- 72(t) early distribution analysis
- How will retirement impact my living expenses?
- Are my current retirement savings sufficient?
- Social security retirement income estimator
- How does inflation impact my retirement income needs?
- How much retirement income may my 401(k) provide?
- Compare a Roth 401(k) to a Traditional 401(K)
- What is the value of catch-up contributions for retirement?
- Save now vs. save later
Managing Your Investments
- Compare a taxable investment to a tax-deferred investment
- Compare taxable vs. tax-free investment return
- What is the value of a bond?
- What is the value of a call or put option?
- 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
- What return do I need to get back to where I started?
- What is the future value of my employee stock options?
- Should I exercise my 'in-the-money' stock options?
- What may my company ESOP be worth?
- Calculate rate of return
- How do taxes and inflation impact my investment return?
- What is the effective annual yield on my investment?
- Compare taxable, tax-deferred, and tax-free investment growth
- What is my tax-equivalent yield?
Preserving Your Estate
- What are my needs for burial and final expenses?
- What is my beneficiary required minimum distribution?
Investing in Real Estate
The Time Value of Money
- What is the value of compound interest?
- Historical inflation - Compare purchasing power
- What is the future value of an annuity?
- Becoming a millionaire
- Income generated by a savings plan
- How long will it take to double my savings?
- How much should I save to reach my goal?
- What could my current savings grow to?
- What could my recurring savings grow to?
- Is my savings plan on track?
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.