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Financial Calculators
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These are free calculators provided by
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CASH FLOW CALCULATORS
bud01:
How does inflation impact my standard of living?
bud02:
How much am I spending?
bud03:
How much do I need for emergencies?
bud04:
Should I pay down debt or invest my monthly surplus?
bud05:
How long will my money last with systematic withdrawals?
bud06:
Should my spouse enter the work force?
bud07:
What is my current net worth?
bud08:
What is my projected net worth?
bud09:
What is my current cash flow?
bud10:
What is my projected cash flow?
bud11:
What is the value of reducing, postponing or foregoing expenses?
bud12:
Historical inflation - Compare purchasing power
bud13:
Balance My Checkbook
COLLEGE CALCULATORS
col01:
How much should I be saving for college?
col02:
Will I be able to pay back my student loans?
col03:
What are the advantages of a Coverdell ESA?
col04:
What are the advantages of a 529 college savings plan?
col05:
What is the value of a college education?
col06:
What are the payments on a parental (PLUS) loan?
col07:
Should I live at home, on campus, or off campus?
col08:
When should I begin saving for my child's college?
CREDIT & DEBT CALCULATORS
det01:
How long will it take to pay off my credit card(s)?
det02:
How long until my loan is paid off?
det03:
What would my loan payments be?
det04:
Do I have too much debt?
det05:
What is the balance on my loan?
det06:
Should I consolidate my personal debt into a new loan?
det07:
Restructuring debts for accelerated payoff
det08:
Which is better: Cash up front or payments over time?
det09:
What is the impact of making extra payments on my debt?
det10:
Should I pay off debt or invest?
det11:
Should I transfer my credit card balances?
HOME & MORTGAGE CALCULATORS
hom01:
How much home can I afford?
hom02:
Should I refinance my mortgage?
hom03:
Mortgage calculator
hom04:
Comparing mortgage terms (i.e. 15, 20, 30 year)
hom05:
Should I pay discount points for a lower interest rate?
hom06:
Should I rent or buy a home?
hom07:
Should I convert to a bi-weekly payment schedule?
hom08:
Compare a 'no-cost' vs. traditional mortgage
hom09:
What are the tax savings generated by my mortgage?
hom10:
Which is better, fixed or adjustable-rate mortgage?
hom11:
Adjustable rate mortgage calculator
hom12:
How do closing costs impact the interest rate?
hom13:
Compare an interest-only vs. traditional mortgage
hom14:
How much can I borrow from my home equity (HELOC)?
hom15:
Loan Comparison Calculator
TAXATION CALCULATORS
inc01:
What is my potential estate tax liability?
inc02:
2014 federal income tax calculator
inc03:
Should I adjust my payroll withholdings?
inc04:
Will my investment interest be deductible?
inc05:
How much self-employment tax will I pay?
inc06:
Capital gains (losses) tax estimator
inc07:
Compare taxable, tax-deferred, and tax-free investment growth
inc08:
How much of my social security benefit may be taxed?
inc09:
What are the tax implications of paying interest?
inc10:
Should I itemize or take the standard deduction?
inc11:
What is my tax-equivalent yield?
inc12:
2014 tax refund estimator
inc13:
Tax freedom day
INSURANCE CALCULATORS
ins01:
How much life insurance do I need?
ins02:
What is my life expectancy?
ins03:
What are my needs for burial and final expenses?
ins04:
How much disability income insurance do I need?
ins05:
What are the chances of becoming disabled?
ins06:
What are my long-term care insurance needs?
ins07:
How much will I earn in my lifetime?
ins08:
What are the tax advantages of an annuity?
ins09:
How long will my current life insurance proceeds last?
ins10:
What is the future value of an annuity?
ins11:
Which is better, comprehensive plan or high-deductible plan with HSA?
ins12:
Compare a taxable investment to a tax-deferred investment
PAYCHECK & BENEFITS CALCULATORS
pay01:
How much will my company bonus net after taxes?
pay02:
How will payroll adjustments affect my take-home pay?
pay03:
Convert my salary to an equivalent hourly wage
pay04:
Convert my hourly wage to an equivalent annual salary
pay05:
What is the future value of my employee stock options?
pay06:
Should I exercise my 'in-the-money' stock options?
pay07:
What may my 401(k) be worth?
pay08:
What is the impact of increasing my 401(k) contribution?
pay09:
What may my 457(b) be worth?
pay10:
What is the impact of increasing my 457(b) contribution?
pay11:
What may my 403(b) Plan be worth?
pay12:
What is the impact of increasing my 403(b) contribution?
QUALIFIED PLANS CALCULATORS
qua01:
Evaluate my company pension payout options
qua02:
How much can I contribute to an IRA?
qua03:
How much retirement income may an IRA provide?
qua04:
Should I convert to a Roth IRA?
qua05:
What will my qualified plan(s) be worth at retirement?
qua06:
What is my current year required minimum distribution?
qua07:
What is my projected required minimum distributions?
qua08:
What are my lump sum distribution options?
qua09:
How do I maximize my employer 401(k) match?
qua10:
What is the impact of borrowing from my retirement plan?
qua11:
What is the impact of early withdrawal from my 401(k)?
qua12:
I'm self-employed, how much can I contribute to a retirement plan?
qua13:
Net unrealized appreciation (NUA) vs. IRA rollover?
qua14:
What are my Stretch IRA distributions?
qua15:
72(t) early distribution analysis
RETIREMENT CALCULATORS
ret01:
How will retirement impact my living expenses?
ret02:
How much will I need to save for retirement?
ret03:
Are my current retirement savings sufficient?
ret04:
Social security retirement income estimator
ret05:
How does inflation impact my retirement income needs?
ret06:
I'm retired, how long will my savings last?
ret07:
When should I begin saving for retirement?
ret08:
Should I convert discretionary expenses to savings?
ret09:
How much retirement income may my 401(k) provide?
ret10:
Compare a Roth 401(k) to a Traditional 401(K)
RMD Calculator (Fidelity)
SAVING CALCULATORS
sav01:
Becoming a millionaire
sav02:
Income generated by a savings plan
sav03:
How long will it take to double my savings?
sav04:
How long until my savings reach my goal?
sav05:
Save now vs. save later
sav06:
How much should I save to reach my goal?
sav07:
What could my current savings grow to?
sav08:
Calculate rate of return
sav09:
How do taxes and inflation impact my investment return?
sav10:
What is the effective annual yield on my investment?
INVESTMENT CALCULATORS
inv01:
How should I allocate my assets?
inv02:
Compare taxable vs. tax-free investment return
inv03:
What is the value of a bond?
inv04:
What is the return on my real estate investment?
inv05:
What is the value of compound interest?
inv06:
What is the value of a call or put option?
inv07:
Taxable vs. tax-advantaged savings?
inv08:
What is my risk tolerance?
inv09:
What is the long-term impact of increased investment return?
inv10:
Certificate of deposit (CD) analyzer
inv11:
What is the dividend yield on a stock?
inv12:
How do expenses impact mutual fund returns?
inv13:
Certificate of deposit (CD) laddering strategy
inv14:
Share Certificate analyzer
inv15:
Share Certificate laddering strategy
AUTO CALCULATORS
aut01:
Should I lease or purchase an auto?
aut02:
Auto purchase - Loan versus 0% dealer financing?
aut03:
What would my auto payments be?
aut04:
Should I upgrade to a more fuel efficient vehicle?
aut05:
Auto loan - Accelerated payoff
aut06:
How much vehicle can I afford?
aut07:
Should I refinance my auto loan at a lower rate?
aut08:
How much can I lower my monthly payment with a new auto loan?
BUSINESS CALCULATORS
bus01:
What are the tax savings of a qualified retirement/cafeteria plan?
bus02:
What are my new business startup costs?
bus03:
Should I pay or charge monthly, quarterly or annually?
bus04:
What is the value of my business?
bus05:
How many units do I need to sell to breakeven?
bus06:
Should I lease or buy equipment?
bus07:
What are my business financial ratios?
bus08:
What is my employee total compensation package worth?
bus09:
What are my tax savings with Section 179 deduction?
OTHER CALCULATORS
det14:
What is my credit score?
cus35:
Add, Subtract, Multiply, Divide