Financial Calculators

College Planning & Funding

Credit & Debt Management

• How much should I be saving for college?
• Will I be able to pay back my student loans?
• What are the advantages of the 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?

• How long will it take to pay off my credit card?
• How long until my loan is paid off?
• What would my loan payments be?
• 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 debts or invest?

Estate Planning

Finances, Budgeting and Cash Flow

• 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(s) be worth at retirement?
• What is my current year required minimum distribution?
• What is my projected required minimum distribution?
• 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)?
• Self-employed retirement plan maximum contribution calculator

• 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?

Home Mortgage

Investing

• How much home can I afford?
• Should I refinance my mortgage?
• Comprehensive mortgage calculator
• Comparing mortgage terms.
• 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' versus traditional mortgage.
• What are the tax savings generated by my mortgage?
• Which is better: fixed or adjustable-rate mortgage?

• How should I allocate my assets?
• What is the value of a bond?
• What is the value of compound interest?
• Taxable vs. tax-deferred savings
• What is the long-term impact of increased investment return?
• What is the dividend yield on a stock?

Paychecks & Employee Benefits

Retirement Planning

• How will payroll adjustments affect my take-home pay?
• 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?
• 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(s) be worth at retirement?
• What is my current year required minimum distribution?
• What is my projected required minimum distribution?
• 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
• What is the impact of early withdrawal from my 401(k)plan?
• Self-employed retirement plan maximum contribution calculator.

• How will retirement impact my living expenses?
• How much will I need to save for retirement?
• Social Security retirement income estimator.
• How does inflation impact my retirement income needs?
• I'm retired, how long will my savings last?
• Should I convert discretionary expenses to savings?

Saving Goals & Rates of Return

Taxation

• 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 will my current savings grow to?
• Calculate rate of return.
• How do taxes and inflation impact my investment return?
• What is my effective annual yield on my investment?

•  What is my potential estate tax liability?
• 2007 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 (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?