Roth IRA Conversion A conversion has both advantages and disadvantages that should be carefully considered before you make a decision. This calculator compares two alternatives with equal out of pocket costs to estimate the change in total net-worth, at retirement, if you convert your Traditional IRA into a Roth IRA.
Calculate Roth IRA ConversionRequired Minimum Distribution The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from some types of retirement accounts annually, starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning. Use this calculator to determine your Required Minimum Distributions.
Calculate Required Minimum DistributionRetirement Income Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. Your annual savings, expected rate of return and your current age all have an impact on your retirement's monthly income. View the full report to see a year-by-year break down of your retirement savings.
Calculate Retirement IncomeRetirement Planner Do you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social Security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your Social Security benefits up to, but not over, the maximum.
Calculate Retirement PlannerSocial Security Benefits Use this calculator to help you estimate your Social Security benefits. Remember, this is only an estimate. Your actual benefits may vary depending on your actual work history and income.
Calculate Social Security BenefitsRetirement Shortfall One of the biggest risks to a comfortable retirement is running out of money too soon. This calculator helps you determine your projected shortfall or surplus at retirement. You can also see just how long your current retirement savings will last. If your results project a shortfall, you might need to save more, earn a better rate of return, or possibly delay your retirement.
Calculate Retirement Shortfall401(k) Savings Calculator An Individual 401(k) can be one of the best tools for the self-employed to create a secure retirement. First, all contributions and earnings to your Individual 401(k) are tax-deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, it has very high contribution limits - allowing you to contribute more to your Individual 401(k) each year. The combined result is a retirement savings plan you can't afford to pass up.
Calculate 401(k) Savings CalculatorRoth vs Traditional IRA A 401(k) contribution can be an effective retirement tool. As of January 2006, there is a new type of 401(k) - the Roth 401(k). The Roth 401(k) allows you to contribute to your 401(k) account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. For some investors, this could prove to be a better option than contributing on a pre-tax basis, where deposits are subject to taxes when the money is withdrawn. Use this calculator to help determine the best option for your retirement.
Calculate Roth vs Traditional IRAEarned Income Credit (EIC) Earned Income Credit (EIC) is a tax credit available to low income earners. In some cases the EIC can be greater than your total income tax bill, providing an income tax refund to families that may have little or no income tax withheld from their paychecks. Use this calculator see if you qualify for the Earned Income Credit, and if so, how much it might be worth to you and your family. This calculator creates estimated values for the current tax year.
Calculate Earned Income Credit (EIC)Payroll Deductions Use this calculator to help you determine the impact of changing your payroll deductions. You can enter your current payroll information and deductions, and then compare them to your proposed deductions. Try changing your withholdings, filing status or retirement savings and let the payroll deduction calculator show you the impact on your take home pay. This calculator uses the 2016 withholding schedules, rules and rates (IRS Publication 15).
Calculate Payroll DeductionsEstate Tax Planner Estate tax planning is very important to preserving your wealth for future generations. Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to project the value of your estate, and the associated estate tax, for the next ten years. This calculator uses the rules passed into law as part of the "American Taxpayer Relief Act of 2012." Please be aware that certain estate planning documents, which are beyond the scope of this calculator, may be necessary in order for assets to be distributed according to your wishes.
Calculate Estate Tax Planner1040 Tax Calculator Enter your filing status, income, deductions and credits and we will estimate your total taxes. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April.
Calculate 1040 Tax CalculatorMarginal Tax Calculator Knowing your income tax rate can help you calculate your tax liability for unexpected income, retirement planning or investment income. This calculator helps you estimate your average tax rate, your tax bracket, and your marginal tax rate for the current tax year.
Calculate Marginal Tax Calculator Taxable vs Tax Advantaged Investments
How taxes are applied to an investment can make an incredible difference. This calculator is designed to help compare a normal taxable investment and an investment where taxes are deferred until withdrawals are made.
Cash Flow Having adequate cash flow is essential to keep your business running. If you run out of available cash, you run the risk of not being able to meet your current obligations such as your payroll, accounts payable and loan payments. Use this calculator to help you determine the cash flow generated by your business.
Calculate Cash FlowWorking Capital Needs Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory. If your working capital dips too low, you risk running out of cash. Even very profitable businesses can run into trouble if they lose the ability to meet their short-term obligations. The calculator assists you in determining working capital needs for the next year.
Calculate Working Capital NeedsEquipment Lease vs Buy Should you lease or buy? Use this calculator to find out! We calculate monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.
Calculate Equipment Lease vs BuyFinancial Ratios This calculator is designed to show you 10 different financial ratios. Financial ratios are used as indicators that allow you to zero in on areas of your business that may need attention such as solvency, liquidity, operational efficiency and profitability.
Calculate Financial RatiosBreak-even Analysis The breakeven analysis calculator is designed to demonstrate how many units of your product must be sold to make a profit. Hit "View Report" to see a detailed look at the profit generated at each sales volume level.
Calculate Break-even AnalysisBusiness Valuation Business valuation is typically based on three major methods: the income approach, the asset approach and the market (comparable sales) approach. Among the income approaches is the discounted cash flow methodology calculating the net present value ('NPV') of future cash flows for an enterprise. As an alternative to the more abbreviated income capitalization approach, this methodology is more relevant where future operating conditions and cash flows are variable or not projected to be materially consistent with current performance levels.
Calculate Business ValuationMortgage Qualifier The first step in buying a house is determining your budget. This calculator steps you through the process of finding out how much you can borrow. Fill in the entry fields and click on the "View Report" button to see a complete amortization schedule of your mortgage payments
Caculate Mortgage QualifierMortgage Loan Calculator (PITI) Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the "Report" button for a full yearly or monthly amortization schedule.
Calculate Mortgage Loan Calculator (PITI)Mortgage Comparison - 15 vs 30 Years Determining which mortgage term is right for you can be a challenge. With a shorter year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Calculate Mortgage Comparison - 15 vs 30 YearsRent vs Buy Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. This calculator helps you weed through the fees, taxes and monthly payments to help you make a decision between these two options. This report is based on the original purchase price, fees and taxes payable at that time. Insurance and tax costs can fluctuate from year to year. Click the "View Report" button for a detailed look at the results
Calculate Rent vs BuyRefinance Break-Even How long will it take to break even on a mortgage refinance? That depends on a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home. Use this calculator to sort through the confusion and determine if refinancing your mortgage is a sound financial decision. Click the "View Report" button for a detailed look at your records.
Calculate Refinance Break-EvenMaximum Mortgage What is your maximum mortgage? That largely depends on your income and current monthly debt payments. This calculator collects these important variables and determines your maximum monthly housing payment and the resulting mortgage amount.
Calculate Maximum MortgageAdjustable Rate Mortgage Calculator Adjustable rate mortgages can provide attractive interest rates, but your payment is not fixed. This calculator helps you to determine what your adjustable mortgage payments may be.
Calculate Adjustable Rate Mortgage CalculatorARM vs Fixed Rate Mortgage A fixed rate mortgage has the same payment for the entire term of the loan. An adjustable rate mortgage (ARM) has a rate that can change, causing your monthly payment to increase or decrease. Use this calculator to compare a fixed rate mortgage to a Fully Amortizing ARM.
Calculate ARM vs Fixed Rate MortgageAmortizing Loan Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule.
Calculate Amortizing LoanLoan Comparison Determining which loan provides you with the best value involves more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees and other costs associated with getting a new loan. By comparing these important variables side by side, this calculator can help you pick the loan that works best for you. Click on the "View Report" button to see the results in detail
Calculator Loan ComparisonLoan Pre-Qualification Use this calculator as your first step in determining your ability to qualify for a loan. While this calculator can't guarantee you will qualify for your new loan, it is a good check point to see if it is within your means.
Calculate Loan Pre-QualificationAuto Lease vs Buy Should you lease or buy your car? Use this calculator to find out! We calculate your monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.
Calculate Auto Lease vs BuyAuto Loans Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the "View Report" button.
Calculate Auto LoansHome Equity vs Auto Loan Home equity loans generally often have lower interest rates than auto loans and the interest may be tax deductible. Two good reasons to take a look at home equity loans to finance your automobile purchase.
Calculate Home Equity vs Auto LoanAuto Rebate or Low Interest Financing Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. A rebate will reduce your auto loan balance, while low interest financing lowers your monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing.
Calculate Auto Rebate or Low Interest Financing Student Loan Consolidation and Payoff
The Student Loan Consolidation and Debt Payoff calculator applies two simple principles to paying off high-interest debt.
Consolidate your existing student loans
Use your extra cash every month to pay off your higher interest debt sooner
We apply the amount of payment savings you choose to your non-student loan debt with the highest rate. When that balance is paid in full, the balance with the next highest rate will be paid down. This continues until you have rolled through all of your balances and your non-student loan debt is paid in full. Click the "View Report" button for a detailed look at the results.
Home Budget Analysis Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click the "View Report" to see your entries results in detail, which can help identify areas for improvement.
Calculate Home Budget AnalysisStudent Budget Use this calculator to help analyze your budget as a full-time student. This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution. This calculator allows you to input your expenses and income for an eight-month school year running from September through April.
Calculate Student BudgetComprehensive Life Insurance Needs How much life insurance do you need? This comprehensive life insurance calculator includes detailed net worth analysis, budgeting and college savings to help you decide how much life insurance you might need. You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs.
Calculate Comprehensive Life Insurance NeedsCredit Assessment Use this calculator to assess your credit. After entering your information, your credit is assessed as 'Good', 'Fair' or 'Needs Improvement'. Press the report button for more information about what this assessment means to you.
Calculate Credit AssessmentCredit Card Optimizer The Credit Card Optimizer helps you determine the best distribution of your credit card debt. By entering your credit card balances, rates and credit limits this calculator determines which balance transfers will produce the greatest savings.
Calculate Credit Card OptimizerCredit Card Payoff Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
Calculate Credit Card PayoffNet Worth Your net worth is the value of all of your assets, minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. If you owe more than you own, you have a negative net worth. If you own more than you owe you will have a positive net worth. This calculator helps you determine your net worth and estimates how it could grow (or shrink) over the next ten years.
Calculate Net Worth Savings Goals
What will it take to help reach your savings goals? This financial calculator helps you find out. Enter in your savings plan and view graphically your financial results. Click the report button to get more information about your plan, and what you can do to make sure that it is on track.
Savings Calculator Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you.
Calculate Savings CalculatorSavings, Taxes and Inflation The value of your savings can be affected by both taxes and inflation. Use this calculator to determine how much your savings will be worth with this in mind. Click the "View Report" button to get more information and a year-by-year savings schedule.
Calculate Savings, Taxes and InflationCollege Savings Saving for your children's education requires a long-term plan. And, like saving for retirement, the earlier you start your plan the better. Use this calculator to help develop or fine-tune your education savings plan. Click the "View Report" button for a detailed look at the results.
Calculate College SavingsCompound Interest and Your Return How interest is calculated can greatly affect your savings. The more often interest is compounded, or added to your account, the more you earn. This calculator demonstrates how compounding can affect your savings, and how interest on your interest really adds up!
Calculate Compound Interest and Your ReturnInvestment Distributions This calculator helps you determine either how large or how long periodic distributions can be taken out of an investment before it runs out. Enter the number of years you need the distributions to last, and this calculator will determine the amount you can take out each period. Enter a periodic distribution, and this calculator will determine how long before your balance runs out.
Calculate Investment DistributionsInvestment Goal Calculator What will it take to reach your investment goal? Use this investment goal calculator to determine how much your investment might grow before taxes, after taxes and after taxes and inflation. It will also provide suggestions on what to change if your plan doesn't look like it will meet your investment goal.
Calculate Investment Goal Calculator