helpful tools
Use these free financial calculators to help plan and make informed decisions about your insurance, retirement, savings, and more.
Automobile
Should I lease or purchase an auto?
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Auto purchase — Loan versus 0% dealer financing?
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What would my auto payments be?
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Should I upgrade to a more fuel efficient vehicle?
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Auto loan — Accelerated payoff
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How much vehicle can I afford?
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Cash Flow
How much am I spending?
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How much do I need for emergencies?
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How does inflation impact my standard of living?
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Should I pay down debt or invest more?
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How long will my money last?
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Should my spouse enter the work force?
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What is my current net worth?
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What is my projected net worth?
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What is my current cash flow?
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What is my projected cash flow?
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Value of reducing or foregoing expenses
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Historical inflation — Compare purchasing power
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College
When should I begin saving for my child's college?
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Should I live on campus, off campus or at home?
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What are the payments on a parental (PLUS) loan?
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What is the value of a college education?
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Advantages of a 529 College Savings Plan
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Advantages of the Coverdell ESA
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Will I be able to pay back my student loans?
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How much should I be saving for college?
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Credit
How long will it take to pay off my credit card(s)?
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How long until my loan is paid off?
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What would my loan payments be?
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Do I have too much debt?
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What is the balance owing on my loan?
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Should I consolidate my personal debt?
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Re-structuring debts for accelerated payoff
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Which is better, cash up front or payments over time?
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What is the impact of making extra debt payments?
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Should I pay off debts or invest the money?
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Insurance
What is my life expectancy?
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What are my needs for burial and final expenses?
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What are my long-term care insurance needs?
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What are the tax advantages of an annuity?
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How much disability income insurance do I need?
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What are the chances of becoming disabled?
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How much will I earn in my lifetime?
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How long will my current life insurance proceeds last?
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How much life insurance do I need?
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What is the future value of an annuity?
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Which is better, comprehensive plan or high-deductible plan with HSA?
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Investment
Certificate of deposit (CD) laddering strategy
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How do expenses impact mutual fund returns?
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What is the dividend yield on a stock?
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Certificate of deposit (CD) analyzer
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What is the long-term impact of increased return?
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What is my risk tolerance?
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Taxable vs. tax-advantaged saving comparison
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What is the value of a call or put option?
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What is the value of compound interest?
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What is the return on my real estate investment?
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What is the value of a bond?
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Compare taxable vs. tax-free investment return
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How should I allocate my assets?
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Home & Mortgage
How much home can I afford?
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Should I refinance my home mortgage (breakeven)?
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Mortgage calculator
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Comparing mortgage terms (15, 20, 30 year)
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Should I pay discount points for a lower interest rate?
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How much can I borrow from my home equity (HELOC)?
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Compare an interest-only vs. traditional mortgage
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How do closing costs impact the interest rate?
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Adjustable rate mortgage calculator
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Which is better, fixed or adjustable-rate mortgage?
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Compare a no-cost vs. traditional mortgage
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What are the tax savings generated by my mortgage?
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Should I convert to a bi-weekly payment schedule?
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Should I rent or buy a home?
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Paycheck & Benefits
How much will my company bonus net after taxes?
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How will payroll adjustments affect my take-home pay?
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Convert my salary to an equivalent hourly wage
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Convert my hourly wage to an equivalent salary
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What is the future value of my employee stock options?
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Should I exercise my "in-the-money" stock options?
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What may my 401(k) be worth?
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What is the impact of increasing my 401(k) contribution?
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What may my 457 Plan be worth?
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What is the impact of increasing my 457 Plan contribution?
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Qualified Plan
Net unrealized appreciation (NUA) vs. IRA rollover?
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I am self-employed, how much can I contribute to a retirement plan?
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What is the impact of early withdrawal from my 401(k)?
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What is the impact of borrowing from my 401(k) plan?
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How do I maximize my employer 401(k) match?
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What are my lump sum distribution options?
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What is my projected required minimum distributions?
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What is my current year required minimum distribution?
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What will my qualified plan be worth at retirement?
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Should I convert to a Roth IRA?
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How much retirement income can my IRA provide?
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Evaluate my company pension payout options
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How much can I contribute to an IRA?
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Retirement
Compare a Roth 401(k) to a Traditional 401(k)
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How much retirement income may my 401(k) provide?
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Should I convert discretionary expenses to savings?
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When should I begin saving for retirement?
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I am retired, how long will my savings last?
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How does inflation impact my retirement income needs?
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Social security retirement income estimator
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Are my current retirement savings sufficient?
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How much will I need to save for retirement?
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How will retirement impact my living expenses?
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Saving
What is my effective annual yield?
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How do taxes and inflation impact my return?
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Calculate rate of return
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What will my current savings grow to?
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How much should I save to reach my goal?
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Save now vs. save later
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How long until my savings reach my goal?
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How long will it take to double my money?
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Income generated by a savings plan
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Becoming a millionaire
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Taxation
What is my potential estate tax liability?
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Federal Income Tax Estimator (Current Year)
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Should I adjust my payroll withholdings?
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Will my investment interest be deductible?
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How much self-employment tax will I pay?
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Capital gains (and losses) tax estimator
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Compare taxable, tax-deferred, and tax-free growth
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How much of my social security benefit may be taxable?
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What are the tax implications of paying interest?
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Should I itemize or take the standard deduction?
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What is my taxable-equivalent yield?
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Tax freedom day
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Need help interpreting results? Our team is happy to walk through any of these calculations with you. Call us at 800-247-9889 or email us any time.