TAX TOOLS ► FINANCIAL TOOLS
These calculators have been provided as a resource for you to help plan your financial matters. Enter your criteria and you will find answers with dynamic graphs and personalized reports.
Budget
▶ 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?
▶ What is the value of reducing, postponing or foregoing expenses?
▶ Historical inflation – Compare purchasing power
▶ Balance my checkbook
Debt
▶ How long will it take to pay off my credit card(s)?
▶ How long until my loan is paid off?
▶ What would my loan payments be?
▶ Do I have too much debt?
▶ 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 debt or invest?
▶ Should I transfer my credit card balances?
▶ What is my credit score?
▶ How much can I afford to borrow?
▶ Estimate my credit score
▶ Credit Card Minimum Monthly Payment Calculator
▶ What is my loan rate?
Income (Taxation)
▶ What is my potential estate tax liability?
▶ 2021 federal income tax calculator
▶ 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?
▶ What is my tax-equivalent yield?
▶ 2021 tax refund estimator
▶ Tax freedom day
Investment
▶ How should I allocate my assets?
▶ Compare taxable vs. tax-free investment return
▶ What is the value of a bond?
▶ What is the return on my real estate investment?
▶ What is the value of compound interest?
▶ What is the value of a call or put option?
▶ Taxable vs. tax-advantaged savings?
▶ What is my risk tolerance?
▶ What is the long-term impact of increased investment 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
▶ Evaluate my company pension payout options
▶ How much can I contribute to an IRA?
▶ How much retirement income may an 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 distributions?
▶ What are my lump sum distribution options?
▶ How do I maximize my employer 401(k) match?
▶ What is the impact of borrowing from my retirement plan?
▶ What is the 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
College
▶ How much should I be saving for college?
▶ Will I be able to pay back my student loans?
▶ What are the advantages of a 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?
▶ When should I begin saving for my child’s college?
Home & Mortgage
▶ How much home can I afford?
▶ Should I refinance my mortgage?
▶ Mortgage calculator
▶ 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’ vs. 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 vs. traditional mortgage
▶ How much can I borrow from my home equity (HELOC)?
▶ Loan comparison calculator
▶ How does a reverse mortgage work?
▶ Balloon mortgage calculator
Insurance
Payroll & Benefits
Retirement
▶ I’m retired, how long will my savings last?
▶ When should I begin saving for retirement?
▶ Should I convert discretionary expenses to savings?
▶ How much retirement income may my 401(k) provide?
▶ Compare a Roth 401(k) to a Traditional 401(K)
▶ What is the value of catch-up contributions for retirement?
Savings
▶ 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 could my current savings grow to?
▶ Calculate rate of return
▶ How do taxes and inflation impact my investment return?
▶ What is the effective annual yield on my investment?
▶ What could my recurring (monthly) savings grow to?
▶ Is my savings plan on track?
