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Home > Resources - Financial Health Calcs

Financial Health Calculators

Mortgage Calculators
Adjustable rate mortgage calculator
Compare a "no-cost" versus traditional mortgage
Compare mortgage terms (i.e 15yr, 20yr, 30yr)
Comprehensive mortgage calculator
How much home can I afford?
Should I convert to a bi-weekly payment schedule?
Should I pay extra points for a lower rate?
Should I refinance my home mortgage?
Should I rent or buy a home?
Should I take out a fixed or adjustable-rate mortgage?
What are the tax savings generated by my mortgage?

Insurance
How long will my current life insurance proceeds last?
How much disability income insurance do I need?
How much life insurance do I need?
How much will I earn in my lifetime?
What are my long-term care insurance needs?
What are my needs for burial and final expenses?
What are the chances of becoming disabled?
What are the tax advantages of an annuity?
What is my life expectancy?
What is the future value of an annuity?

Paycheck & Benefits
Convert my hourly wage to an equivalent salary.
Convert my salary to an equivalent hourly wage.
How much will my company bonus net after taxes?
How will payroll adjustments affect my take-home pay?
Should I exercise my "in-the-money" stock options?
What is the future value of my employee stock options?
What is the impact of increasing my 401(k) contribution?
What may my 401(k) be worth?

Qualified Plans
Evaluate my company pension payout options
How do I maximize my employer 401(k) match?
How much can I contribute to an IRA?
How much retirement income can my IRA provide?
I'm self-employed, how much can I contribute to a retirement plan?
Net Unrealized Appreciation (NUA) vs. IRA Rollover?
Should I convert to a Roth IRA?
What are my lump sum distribution options?
What is my current year required minimum distribution?
What is my projected required minimum distributions?
What is the impact of borrowing from my 401(k) plan?
What is the impact of early withdrawal from my 401(k)?
What will my qualified plan be worth at retirement?

Investments
Certificate of Deposit (CD) analyzer
Compare taxable / tax-free investment return
How should I allocate my assets?
Taxable vs. tax-advantaged saving comparison.
What is my risk tolerance?
What is the dividend yield on a stock?
What is the long-term impact of increased return?
What is the return on my real estate investment?
What is the value of a bond?
What is the value of a call or put option?
What is the value of compound interest?

Retirement
Are my current retirement savings sufficient?
Compare 72(t) early distribution alternatives
Compare a Roth 401(k) to a Traditional 401(K)
How does inflation impact my retirement income needs?
How much retirement income may my 401(k) provide?
How much will I need to save for retirement?
How will retirement impact my living expenses?
I'm retired, how long will my savings last?
Should I convert discretionary expenses to savings?
Social Security retirement income estimator
When should I begin saving for retirement?

Cash Flow
Does inflation impact my standard of living?
How long will my money last?
How much am I spending?
How much do I need for emergencies?
Should I pay down debt or invest more?
Should my spouse enter the work force?
Value of reducing or foregoing expenses.
What is my current cash flow?
What is my current net worth?
What is my projected cash flow?
What is my projected net worth?

Credit
Auto purchase: loan versus 0% dealer financing?
How long until my loan is paid off?
How long will it take to pay off my credit card(s)?
Re-structuring debts for accelerated payoff
Should I consolidate my personal debt?
Should I lease or purchase an auto?
Should I pay off debts or invest the money?
What is the balance owing on my loan?
What is the impact of making extra debt payments?
What would my loan payments be?
Which is better: cash up front or payments over time?

Saving
Becoming a millionaire.
Calculate rate of return
How do taxes and inflation impact my return?
How long until my savings reach my goal?
How long will it take to double my money?
How much should I save to reach my goal?
Income generated by a savings plan.
Save now vs. save later
What is my effective annual yield?
What will my current savings grow to?

Taxation
Capital gains (and losses) tax estimator
Compare taxable, tax-deferred, and tax-free growth?
Federal Income Tax estimator
How much of my social security benefit may be taxable?
How much self-employment tax will I pay?
Should I adjust my payroll withholdings?
Should I itemize or take the standard deduction?
What are the tax implications of paying interest?
What is my potential estate tax liability?
What is my taxable-equivalent yield?
Will my investment interest be deductible?

College
Advantages of a 529 College Savings Plan
Advantages of the Coverdell ESA.
How much financial aid can I get?
How much should I be saving for college?

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