# Financial Calculators

To view calculators click on the + sign to expand each section.

### Auto

- 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?

### Business

- What are the tax savings of a qualified retirement/cafeteria plan?
- What Are My New Business Startup Costs?

### Cash Flow

- 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

### 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 On Campus Or Off Campus?

### Credit

- How Long Will It Take To Pay Off My Credit Card?
- 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?
- 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?
- Do I Have Too Much Debt?

### Home & Mortgage

- How much can I borrow from my home equity (HELOC)?
- 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' Versus 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 Versus Traditional Mortgage

### Insurance

- How Much Life Insurance Do I Need?
- What Is My Life Expectancy?
- What Are My Needs For Burial And Final Expenses?
- How Much Disability Income Do I Need?
- What Are My Chances of Becoming Disabled?
- What Are My Long-Term Care 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?

### Investment

- How Should I Allocate My Assets?
- Compare Taxable Versus 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-Deferred 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

### Paycheck & Benefits

- 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 Plan Be Worth?
- What Is The Impact Of Increasing My 457 Plan Contribution?

### Qualified Plans

- Evaluate My Company Pension Payout Options
- How Much Can I Contribute To An IRA?
- How Much Retirement Income May My 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 Distribution?
- What Are My Lump Sum Distribution Options?
- How Do I Maximize My Employer 401(k) Match?
- What Is The Impact Of Borrowing From My 401(k) Plan?
- What Is The Impact Of Early Withdrawal From My 401(k)?
- Self-Employed Retirement Plan Maximum Contribution Calculator
- Net Unrealized Appreciation (NUA) vs. IRA Rollover

### Retirement

- 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 the Roth 401(k) to a Traditional 401(k)

### 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?

### Taxation

- What Is My Potential Estate Tax Liability?
- 2014 Federal Income Tax Estimator
- 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?