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Retirement and Planning Tools
Roth IRA Conversion 

• Required Minimum Distribution 
• Retirement Income 
• Retirement Planner 
• Social Security Benefits 
• Retirement Shortfall 
• 401(k) Savings Calculator 
• Roth vs. Traditional IRA 

Tax Calculators

• Earned Income Credit (EIC) Calculator 
• Payroll Deductions 
• Estate Tax Planner 
• 1040 Tax Calculator 
• Marginal Tax Calculator 
• Taxable vs. Tax Advantaged Investments 

Business Calculators

• Cash Flow Calculator 
• Working Capital Needs 
• Equipment Lease versus Buy 
• Financial Ratios 
• Breakeven Analysis 
• Business Valuation 

Home Ownership

• Mortgage Qualifier 
• Mortgage Loan Calculator (PITI) (graphical)
• Mortgage Loan Calculator (PITI) (personalized)
• Mortgage Comparison: 15 vs. 30 years 
• Rent versus Buy 
• Refinance Breakeven (graphical)
• Refinance Breakeven (personalized)
• Maximum Mortgage (graphical)
• Maximum Mortgage (personalized)
• Adjustable Rate Mortgage Calculator 
• ARM versus Fixed Rate Mortgage 

Loan Calculators

• Amortizing Loan Calculator (graphical)
• Amortizing Loan Calculator (personalized)
• Loan Comparison Calculator 
• Loan Prequalification Calculator 

Vehicle Financing

• Auto Lease versus Buy (graphical)
• Auto Lease versus Buy (personalized)
• Auto Loans 
• Home Equity versus Auto Loan 
• Auto Rebate OR Low Interest Financing 

Personal Finance

• Student Loan Consolidation and Payoff 
• Home Budget Analysis (graphical)
• Home Budget Analysis (personalized)
• Student Budget 
• Comprehensive Life Insurance Needs 
• Credit Assessment 
• Credit Card Optimizer 
• Credit Card Payoff 
• Net Worth (graphical)
• Net Worth (personalized)

Savings and Investments

• Savings Goals 
• Savings Calculator 
• Savings, Taxes and Inflation 
• College Savings (graphical)
• College Savings (personalized)
• Compound Interest and your Return 
• Investment Distributions 
• Investment Goal Calculator 

Cash Flow

• How much am I spending?

• What is my current net worth?

• What is my projected net worth?

• What is my current cash flow?

• What is my projected cash flow?

College

• How much should I be saving for college?

• How much will college cost?

• What are the payments on a parental (PLUS) loan?

• Should I live on campus, off campus or at home?

Credit

• How long will it take to pay off my credit cards?

• How long until my loan is paid off?

• What would my loan payments be?

• Should I lease or purchase an automobile?

• Should I consolidate my personal debt?

• Re-structuring debts for accelerated payoff

• Which is better: cash up front or payments over time?

• What is the impact of making extra debt payments?

• Should I pay off my debts or invest?

Home and Mortgage

• How much home can I afford?

• Should I refinance my home mortgage?

• Comprehensive mortgage calculator

• Adjustable rate mortgage calculator

• Comparable mortgage terms (i.e. 15 yrs, 20 yrs, 30 yrs)

• Should I pay extra points for a lower rate?

• Should I rent or buy?

• 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?

• Should I take out a fixed or adjustable-rate mortgage?

Taxation

• What is my potential estate tax liability?

• 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 (and losses) tax estimator

• Comparable taxable, tax-deferred and tax-free growth

• How much of my social security benefit may be taxable?

• What are the tax implications of paying interest?

• Should I itemize or take the standard deduction?

Insurance

• How much life insurance do I need?

• How long will my current life insurance proceeds last?

• What is my life expectancy?

• What are my need for burial and final expenses?

• How much disability insurance do I need?

• What are my long-term care insurance needs?

• How much will I earn in my lifetime?

• What are the tax advantages of an annuity?

• What is the future value of an annuity?

Paycheck and Benefits

• How much will my company bonus net after taxes?

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

• Convert my hourly wage to an equivalent salary.

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

• What may my 401(k) be worth?

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

Qualified Plans

• How much can I contribute to an IRA?

• How much retirement income can my IRA provide?

• Should I convert to a Roth IRA?

• What will my qualified plan be worth at retirement?

• What is my current year required minimum distribution?

• What are 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 401(k)?

• What is the impact of early withdraw from my 401(k)?

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

Retirement

• How will retirement impact my living expenses?

• How much will I need to save for retirement?

• Are my current retirement savings enough?

• 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?

• Compare a Roth 401(k) to a Traditional 401(k)

• Compare 72(t) early distribution alternatives

Savings

• Becoming a millionaire

• Income generated by a savings plan

• How long will it take to double my money?

• How long until my savings reach my goal?

• How much should I save to reach my goal?

• Save now versus save later

• What will my current savings grow to?

Investments

• How should I allocate my assets?

• Comparable taxable/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?

• Certificate of deposit (CD) analyzer

• What is the long-term impact of increased return?

• What is my risk tolerance?

• What is the dividend yield on a stock?