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Financial Calculators

There Are Many Different Types of Financial Calculators!

Please search for your list of Financial Calculators that are available online.  Here are some of the tough questions that may help you make the right decisions!

Mortgage Calculators

  • How much home can I afford?
  • Should I refinance my home mortgage?
  • 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’ versus 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 versus traditional mortgage
  • How much can I borrow from my home equity (HELOC)?

Automobile Calculators

  • Lease or buy an auto?
  • Loan vs. 0% dealer financing?
  • Upgrade to a more fuel efficient vehicle?
  • Auto loan: accelerated payoff
  • How much vehicle can I afford?
  • Should I refinance my auto loan at a lower rate?
  • How much can I lower my monthly payment with a new auto loan?
  • How much is car insurance?

College Calculators

  • How much should I be saving for college?
  • Can I pay back my student loans?
  • Advantages of the Coverdell ESA
  • Advantages of a 529 college savings plan
  • The value of a college education?
  • Payments on a parental (PLUS) loan?
  • Live on campus, off campus or at home?
  • When should I begin saving for my child’s college?

Tax Calculators

  • 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 (and losses) tax estimator
  • Compare taxable, tax-deferred, and tax-free growth
  • How much of my social security benefit may be taxable?
  • Tax implications of paying interest?
  • Itemize or take the standard deduction?
  • What is my taxable-equivalent yield?
  • Tax refund estimator
  • Tax freedom day

Credit Card Calculators

  • How long will it take to pay off my credit card?
  • How long until my loan is paid off?
  • What are my loan payments?
  • Do I have too much debt?
  • What is the balance owing on my loan?
  • Consolidate my personal debt?
  • Re-structuring debts for accelerated payoff
  • Cash up front or payments over time?
  • Impact of making extra debt payments?
  • Pay off debts or invest the money?
  • Should I transfer my credit card balances?
  • Estimate my credit score

Cash Flow Calculators

  • Does inflation impact my standard of living?
  • How much am I spending?
  • How much do I need for emergencies?
  • Pay down debt or invest more?
  • How long will my money last?
  • Should my spouse work?
  • What is my current new worth?
  • What is my projected net worth?
  • What is my current cash flow?
  • What is my projected cash flow?
  • Value of reducing or foregoing expenses
  • Historical inflation – compare purchasing power

Retirement Calculators

  • Will retirement impact my living expenses?
  • How much will I need 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?
  • Convert discretionary expenses to savings?
  • How much retirement income may my 401(k) provide?
  • Compare a Roth 401(k) to a Traditional 401(K)

Insurance Calculators

  • How much life insurance do I need?
  • What is my life expectancy?
  • Needs for burial and final expenses?
  • How much disability income insurance do I need?
  • Chances of becoming disabled
  • Long-term care insurance needs
  • How much will I earn in my lifetime?
  • Tax advantages of an annuity?
  • How long will my current life insurance proceeds last?
  • Future value of an annuity?
  • Which Is Better, Comprehensive Plan Or High-Deductible Plan With HSA?
  • Compare a taxable investment to a tax-deferred investment

Paycheck Calculators

  • How much is my company bonus 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 salary
  • Future value of my employee stock options?
  • Exercise my “in-the-money” stock options?
  • What may my 401(k) be worth?
  • Impact of increasing my 401(k) contribution?
  • What may my 457 Plan be worth?
  • 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?

Investment Calculators

  • How should I allocate my assets?
  • Compare taxable / tax-free investment return
  • What is the value of a bond?
  • Return on my real estate investment?
  • The value of compound interest?
  • The value of a call or put option?
  • Taxable vs. tax-advantaged saving comparison
  • What is my risk tolerance?
  • What is the long-term impact of increased 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

Qualified Plans Calculators

  • Evaluate my company pension payout options
  • How much can I contribute to an IRA?
  • Retirement income from my IRA provide?
  • Convert to a Roth IRA?
  • Qualified plan is worth what retirement?
  • Current year required minimum distribution?
  • Projected required minimum distributions?
  • Lump sum distribution options?
  • Maximize my employer 401(k) match?
  • Impact of borrowing from my 401(k) plan?
  • 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?
  • 72(t) early distribution analysis

Savings Calculators

  • Becoming a millionaire
  • Income generated by a savings plan.
  • How long will it take to double my money?
  • 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 return?
  • What is my effective annual yield?

Business Calculators

  • 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 total employee compensation package worth?
  • What are my tax savings with Section 179 deduction?