FINANCIAL TOOLS

BUSINESS CALCULATORS

■ What are the tax savings of a qualified retirement/cafeteria plan?

■ What are my new business startup costs?

■ Should I pay or charge monthly, quarterly or annually?

■ What is the value of my business?

■ How many units do I need to sell to breakeven?

■ Should I lease or buy equipment?

■ What are my business financial ratios?

■ What is my employee total compensation package worth?

■ What are my tax savings with Section 179 deduction?

AUTO CALCULATORS

■ Should I lease or purchase an auto?

■ Auto purchase - Loan versus 0% dealer financing?

■ What would my auto payments be?

■ Should I upgrade to a more fuel efficient vehicle?

■ Auto loan - Accelerated payoff

■ How much vehicle can I afford?

■ Should I refinance my auto loan at a lower rate?

■ How much can I lower my monthly payment with a new auto loan?

CASH FLOW CALCULATORS

■ How does inflation impact my standar of living?

■ 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 cash flow?

■ 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

CREDIT & DEBIT CALCULATORS

■ 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?

■ 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?

COLLEGE CALCULATORS

■ 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 CALCULATORS

■ Should I refinance my mortgage?

■ 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)?

TAXATION CALCULATORS

■ What is my potential estate tax liability?

■ 2014 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?

SAVING CALCULATORS

■ Income generated by a savings plan

■ How long will it take to double my savings?

■ How long until my savings reach my goal?

■ How much should I save to reach my goal?

■ What could my current savings grow to?

■ How do taxes and inflation impact my investment return?

■ What is the effective annual yield on my investment?

Have a Question ?

Services

- Payroll

PAYCHECK & BENEFITS CALCULATORS

■ How much will my company bonus net after taxes?

■ How will payroll adjustments affect my take-home pay?

■ Convert my salary to an equivalent hourly wage

■ Convert my hourly wage to an equivalent annual salary

■ What is the future value of my employee stock options?

■ Should I exercise my 'in-the-money' stock options?

■ What may my 401(k) be worth?

■ What is the impact of increasing my 401(k) contribution?

■ What may my 457(b) be worth?

■ What is the impact of increasing my 457(b) contribution?

■ What may my 403(b) Plan be worth?

■ What is the impact of increasing my 403(b) contribution?

QUALIFIED PLANS CALCULATORS

■ 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)?

■ Net unrealized appreciation (NUA) vs. IRA rollover?

■ What are my Stretch IRA distributions?

■ 72(t) early distribution analysis

■ I'm self-employed, how much can I contribute to a retirement plan?

INVESTMENT CALCULATORS

■ 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 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 laddering strategy

INSURANCE CALCULATORS

■ How much life insurance do I need?

■ What are my needs for burial and final expenses?

■ How much disability income insurance do I need?

■ What are the chances of becoming disabled?

■ What are my long-term care insurance needs?

■ How much will I earn in my lifetime?

■ What are the tax advantages of an annuity?

■ How long will my current life insurance proceeds last?

■ What is the future value of an annuity?

■ Which is better, comprehensive plan or high-deductible plan with HSA?

■ Compare a taxable investment to a tax-deferred investment

RETIREMENT CALCULATORS

■ How will retirement impact my living expenses?

■ How much will I need to save for retirement?

■ Are my current retirement savings sufficient?

■ Social security retirement income estimator

■ How does inflation impact my retirement income needs?

■ 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)

OTHER CALCULATORS

■ Add, Subtract, Multiply, Divide

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