Brown and Fitzgerald, PC - Financial Tools

Financial Tools

Financial Tools

Should I refinance my mortgage? How much do I need to save for my child's college education? As accounting professionals, these are some of the questions that are posed to us on a daily basis. We are providing these interactive financial calculators and other tools to assist you with some of the day-to-day questions and concerns that may arise. While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in your decision making process.

Auto Loan Early Payoff, Auto Rebate vs. Low Interest Financing, Auto Refinance Interest Savings, Bi-weekly Payments for an Auto Loan, Bi-weekly Payments for an Auto Loan with Fees, Car Loan Calculator, Dealer Financing vs. Credit Union Financing, Home Equity Loan vs. Auto loan, Lease vs. Buy, Low Interest Financing Savings More...

Breakeven Analysis, Business Debt Consolidation Calculator, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Commercial Loan Calculator, Debt Service Coverage, Equipment Buy vs. Lease, Financial Ratios, Inventory Analysis, Like Kind Exchange, Profit Margin Calculator, Repossession of Personal Property from a Deferred Payment Sale, Repossession of Personal Property from an Installment Payment Sale, Repossession of Real Property, Working Capital Needs More...

Accelerated Debt Payoff, Consolidation Loan Investment Calculator, Cost-of-Debt Calculator, Credit Card Minimum Payment Calculator, Credit Card Optimizer, Credit Card Pay Off, Home Equity Debt Consolidation, How much do you owe?, Personal Debt Consolidation, Roll-Down Your Credit Card Debt!, Snowball Debt Elimination Calculator, Student Loan Consolidation and Debt Payoff More...

Comprehensive Life Insurance Analysis, Disability Insurance, Fixed Annuity Calculator, Health Savings Account (HSA) Contribution Calculator, Health Savings Account (HSA) Goal Calculator, Health Savings Account (HSA) Savings Calculator, Health Savings Account (HSA) vs. Traditional Health Plan, Health Savings Accounts (HSA) Employer Benefit, Human Life Value, Immediate Annuity Calculator, Life Insurance Calculator, Long Term Care Calculator, Variable Annuity Calculator, Variable Annuity without Surrender Charges More...

Annual Rate of Return Calculator, Annual Stock Option Grants, Asset Allocation Calculator, Compare Investment Fees, Future Contracts Calculator, Future Value Calculator, Internal Rate of Return (IRR) Calculator, Investment Distributions, Investment Goal, Investment Loan, Investment Property Calculator, Investment Questionnaire - Broad Portfolio, Investment Questionnaire - Cash, Fixed Income and Equities, Investment Returns, Investment Savings and Distributions, Lump Sum Annual Return Calculator, Lump Sum Future Value Calculator, Lump Sum Present Value Calculator, Municipal Bond Tax Equivalent Yield, Mutual Fund Expense Calculator, Personal Economic Recovery Calculator, Present Value Calculator, Present Value Goal Calculator, REIT Tax-Equivalent Distribution, Stock Option Calculator, Taxable vs. Tax Deferred Investments, Taxable vs. Tax Deferred vs. Tax Free Investment More...

Alternative Payment Frequencies, Amortizing Loan Calculator, Balloon Loan Calculator, Debt Consolidation Calculator, Enhanced Loan Calculator, Equity Line of Credit Payments, Existing Loan Calculator, Home Equity Line of Credit Calculator, Line of Credit Payoff, Loan & Credit Line Payment, Loan & Credit Line Tax Savings, Loan Comparison Calculator, Loan Prequalification Calculator More...

Adjustable Rate Mortgage Calculator, APR Calculator for Adjustable Rate Mortgages, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Balloon Mortgages, Bi-weekly Payment Calculator, Bi-weekly Payments for an Existing Mortgage, Blended Rate Mortgage Calculator, FHA Maximum Financing Calculator, Fixed Rate Mortgage vs. Interest Only Mortgage, Fixed Rate Mortgage vs. LIBOR ARM, Interest Only ARM Calculator, Interest Only Mortgage Calculator, Maximum Mortgage, Mortgage APR Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Debt Consolidation, Mortgage Loan Calculator, Mortgage Loan Calculator (PITI), Mortgage Payoff, Mortgage Points Calculator, Mortgage Qualifier, Mortgage Refinance Break Even, Mortgage Required Income, Mortgage Tax Savings Calculator, Option ARM vs. Fixed Rate Mortgage, Refinance Interest Savings, Rent vs. Buy, Reverse Mortgage Calculator More...

Basic Calculator, Basic Financial Calculator, Checkbook Balancer, Credit Assessment, Home Budget Analysis, Life Expectancy, Net Worth, Should my spouse work?, Student Budget More...

401(k) Calculator, 401(k) Savings with Profit Sharing, 401(k) Spend It or Save It Calculator, 403(b) Savings Calculator, 457 Plan Contribution Effects on Your Paycheck, 457 Plan Withdrawal, 457 Plan: Roth vs. Pre-tax, 457 Savings Calculator, 72(t) Calculator, 72(t) Distribution Impact, Beneficiary Required Minimum Distributions, Company Stock Distribution Analysis Calculator, How Important is Social Security?, How long will my retirement savings last?, Individual 401(k) Contribution Comparison, Individual 401(k) Savings Calculator, IRA Spend It or Save It Calculator, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Required Minimum Distribution (RMD) for Current Year, Retirement Account Contribution Accelerator, Retirement Contribution Effects on Your Paycheck, Retirement Income, Retirement Nestegg Calculator, Retirement Pension Planner, Retirement Plan Withdrawal, Retirement Planner, Retirement Planner with Retirement Earnings, Retirement Shortfall, RMD & Stretch IRA Calculator, Roth (after-tax) Account or Pre-Tax Account?, Roth 401(k) vs. Traditional 401(k), Roth 403(b) vs. Traditional 403(b), Roth IRA Calculator, Roth IRA Conversion, Roth IRA Conversion with Distributions, Roth IRA vs. Traditional IRA, Roth vs. Traditional 401(k) and your Paycheck, Should you Borrow From a 401(k) or 403(b)?, Social Security Benefits, Traditional IRA Calculator More...

Benefit of Spending Less, CD Ladder Calculator, Certificate of Deposit Calculator, College Savings, Compare Savings Rates, Compound Savings Calculator, Compounding and Your Return, Cool Million, Credit Union Certificate Calculator, Credit Union Certificate Ladder Calculator, Don't Delay Your Savings!, Emergency Savings Calculator, Home Buyer Savings Calculator, Lunch Savings, Savings Distribution Calculator, Savings Goals, Savings, Taxes, and Inflation, Vice Savings More...

1040 Tax Calculator, 457 Payroll Deductions, Earned Income Credit (EIC) Calculator, Estate Tax Planning, Flexible Spending Account (FSA) Calculator, Hourly Paycheck Calculator, Marginal Tax Rate Calculator, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Self-Employment Tax Calculator, U.S. 1040EZ Tax Form Calculator More...

Auto

Auto Loan Early Payoff	Find out how much interest you can save by increasing your monthly auto loan payment.
Auto Rebate vs. Low Interest Financing	Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
Auto Refinance Interest Savings	Use this calculator to see how much interest you can save by refinancing your auto loan.
Bi-weekly Payments for an Auto Loan	This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
Bi-weekly Payments for an Auto Loan with Fees	This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
Car Loan Calculator	Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.
Dealer Financing vs. Credit Union Financing	Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.
Home Equity Loan vs. Auto loan	Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. Buy	Should you lease your next automobile or finance it? Find out with this calculator!
Low Interest Financing Savings	Low, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save.
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Business

Breakeven Analysis	Find out how many and what price you must sell your product at to make a profit.
Business Debt Consolidation Calculator	Should your business consolidate its debt? Use this calculator to find out.
Business Valuation - Discounted Cash Flow	This tool calculates a business valuation based upon the discounted cash flow methodology - illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value.
Cash Flow Calculator	Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business.
Commercial Loan Calculator	Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved.
Debt Service Coverage	This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.
Equipment Buy vs. Lease	Should you lease your equipment or finance it? Find out with this calculator!
Financial Ratios	This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
Inventory Analysis	Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Like Kind Exchange	This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
Profit Margin Calculator	This calculator can help you determine the selling price for your products to achieve a desired profit margin.
Repossession of Personal Property from a Deferred Payment Sale	If you have repossessed personal property from a deferred payment sale, you can this calculator to determine the gain or loss.
Repossession of Personal Property from an Installment Payment Sale	If you have repossessed personal property with installment payments, you can this calculator to determine the gain or loss.
Repossession of Real Property	If you have repossessed real property, you can this calculator to determine the gain or loss as well as its new basis.
Working Capital Needs	Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.
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Debt and Credit Cards

Accelerated Debt Payoff	Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.
Consolidation Loan Investment Calculator	Getting a consolidation loan can do more than payoff your debt. Use this calculator to see the results of paying off your debt and investing your payment savings.
Cost-of-Debt Calculator	Use this calculator to see just how expensive paying interest on your debt can be.
Credit Card Minimum Payment Calculator	Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
Credit Card Optimizer	The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
Credit Card Pay Off	Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
Home Equity Debt Consolidation	This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
How much do you owe?	Use this calculator as a starting point for your debt management plan.
Personal Debt Consolidation	Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Roll-Down Your Credit Card Debt!	The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
Snowball Debt Elimination Calculator	This Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule.
Student Loan Consolidation and Debt Payoff	The Student Loan Consolidation and Debt Payoff calculator applies two simple principles to paying off your Debt; Consolidate your student loans, and use the monthly savings to pay off your other outstanding debt.
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Insurance

Comprehensive Life Insurance Analysis	How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out.
Disability Insurance	Use this calculator to determine how much disability insurance you may need to cover expenses if you are unable to work due to illness or injury.
Fixed Annuity Calculator	A fixed annuity can provide a secure, tax-deferred investment. Use this calculator to see how a fixed annuity might fit into your retirement plan.
Health Savings Account (HSA) Contribution Calculator	This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.
Health Savings Account (HSA) Goal Calculator	Are you looking at the Health Savings Account (HSA) as a retirement account? This calculator will help you determine what you need to do in order to reach your goal.
Health Savings Account (HSA) Savings Calculator	Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time.
Health Savings Account (HSA) vs. Traditional Health Plan	Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
Health Savings Accounts (HSA) Employer Benefit	This calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees.
Human Life Value	One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earning.
Immediate Annuity Calculator	Estimate what your monthly payments might be from an immediate annuity.
Life Insurance Calculator	Find out how much life insurance you really need!
Long Term Care Calculator	Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense.
Variable Annuity Calculator	How can a variable annuity help you save for retirement? Use this calculator to find out.
Variable Annuity without Surrender Charges	How can a variable annuity help you save for retirement? Use this calculator to find out.
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Investment

Annual Rate of Return Calculator	Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.
Annual Stock Option Grants	Use this calculator to project how much a series of annual stock option grants could be worth to you.
Asset Allocation Calculator	Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Compare Investment Fees	Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy!
Future Contracts Calculator	Use this calculator to determine the number of futures contracts you may wish to purchase based on your account equity and trading plan.
Future Value Calculator	Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.
Internal Rate of Return (IRR) Calculator	Use this calculator to determine an Internal Rate of Return (IRR). It calculates the IRR on an annual basis of an irregular stream of up to 20 payments and withdrawals.
Investment Distributions	This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out.
Investment Goal	Use this calculator to see if your investment plan is on track to meet your investment goals - and receive suggestions on how to change it if you are falling short.
Investment Loan	This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk.
Investment Property Calculator	An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property.
Investment Questionnaire - Broad Portfolio	The Investment Questionnaire is designed to help you create a balanced portfolio from a broad range of investment classes.
Investment Questionnaire - Cash, Fixed Income and Equities	This questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities.
Investment Returns	There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.
Investment Savings and Distributions	Use this calculator to see how long your investment savings can last once you begin taking distributions.
Lump Sum Annual Return Calculator	Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.
Lump Sum Future Value Calculator	Use this calculator to determine the future value of a lump sum.
Lump Sum Present Value Calculator	Use this calculator to determine the present value of a future lump sum.
Municipal Bond Tax Equivalent Yield	Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.
Mutual Fund Expense Calculator	This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating expenses on your investment.
Personal Economic Recovery Calculator	This calculator can help you determine exactly what it might take to return your to your original investment balance.
Present Value Calculator	Use this calculator to determine the present value of a known final future value plus a stream of deposits.
Present Value Goal Calculator	Use this calculator to determine the how much needs to be invested now to achieve a future goal. The total amount required immediately is reduced by the present value of a stream of additional deposits.
REIT Tax-Equivalent Distribution	This calculator shows a REIT's hypothetical yield and how ROC impacts tax equivalent yield.
Stock Option Calculator	Use this calculator to determine the value of your stock options for the next one to twenty five years.
Taxable vs. Tax Deferred Investments	This calculator is designed to help compare a normal taxable investment vs. a tax deferred investment.
Taxable vs. Tax Deferred vs. Tax Free Investment	This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.
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Loan

Alternative Payment Frequencies	Use this calculator to determine your payment or loan amount for different payment frequencies.
Amortizing Loan Calculator	Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
Balloon Loan Calculator	A balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you.
Debt Consolidation Calculator	Should you consolidate your debt? Use this calculator to find out.
Enhanced Loan Calculator	Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Equity Line of Credit Payments	What will my monthly payments be for an interest only equity line of credit?
Existing Loan Calculator	Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining.
Home Equity Line of Credit Calculator	How big of a home equity line of credit can you receive? Use this calculator to find out!
Line of Credit Payoff	Use this calculator to see what it will take to pay off your line of credit, and what you can change to meet your repayment goals.
Loan & Credit Line Payment	This calculator helps determine your loan or credit line payment.
Loan & Credit Line Tax Savings	This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Loan Comparison Calculator	Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
Loan Prequalification Calculator	Use this calculator as your first step in determining your ability to qualify for a loan.
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Mortgage

Adjustable Rate Mortgage Calculator	This calculator helps you to determine what your adjustable mortgage payments will be.
APR Calculator for Adjustable Rate Mortgages	Use this calculator to find the APR on your adjustable rate mortgage.
ARM & Interest Only ARM vs. Fixed Rate Mortgage	Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Balloon Mortgages	A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
Bi-weekly Payment Calculator	Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
Bi-weekly Payments for an Existing Mortgage	This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
Blended Rate Mortgage Calculator	This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of a home.
FHA Maximum Financing Calculator	Use this calculator to determine your maximum FHA mortgage and cash needed for closing.
Fixed Rate Mortgage vs. Interest Only Mortgage	Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Fixed Rate Mortgage vs. LIBOR ARM	Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
Interest Only ARM Calculator	Interest only mortgages can provide you with very low monthly payments, however you are not paying off any principal during the interest only period.
Interest Only Mortgage Calculator	Use this calculator to generate an amortization schedule for an interest only mortgage.
Maximum Mortgage	Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage APR Calculator	Use this calculator to find the APR on your mortgage.
Mortgage Comparison: 15 Years vs. 30 Years	Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Debt Consolidation	This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
Mortgage Loan Calculator	Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Loan Calculator (PITI)	Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage Payoff	Save thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Points Calculator	Should you buy points? Use this calculator to find out.
Mortgage Qualifier	Can you buy your dream home? Find out just how much you can afford!
Mortgage Refinance Break Even	Should you refinance your mortgage? Use this calculator to determine when you will break even.
Mortgage Required Income	Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
Mortgage Tax Savings Calculator	Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.
Option ARM vs. Fixed Rate Mortgage	Use this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
Refinance Interest Savings	Use this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. Buy	Are you better off buying your home, or should you continue to rent?
Reverse Mortgage Calculator	This calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time.
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Personal Finance

Basic Calculator	This works just like a pocket calculator.
Basic Financial Calculator	This works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.
Checkbook Balancer	Balance your checkbook with this quick and easy calculator.
Credit Assessment	How is your credit? Use this calculator for a quick assessment!
Home Budget Analysis	Analyze your budget, see where your money goes and find out where you can improve!
Life Expectancy	This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
Net Worth	This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
Should my spouse work?	This calculator is designed to help you see the financial impact of having either one or two incomes for your household.
Student Budget	This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.
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Retirement

401(k) Calculator	A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up.
401(k) Savings with Profit Sharing	Use this calculator to how a 401(k) with profit sharing plan can help you save for retirement..
401(k) Spend It or Save It Calculator	There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.
403(b) Savings Calculator	If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement.
457 Plan Contribution Effects on Your Paycheck	Use this calculator to see how increasing your contributions to a 457 plan can affect your paycheck as well as your retirement.
457 Plan Withdrawal	Use this calculator to see what your net 457 plan withdrawal would be after taxes are taken into account.
457 Plan: Roth vs. Pre-tax	Use this calculator to help determine whether a Roth or Pre-tax 457 might be best for you.
457 Savings Calculator	A 457 plan can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up.
72(t) Calculator	The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement.
72(t) Distribution Impact	This calculator is designed to examine the affects of 72T distributions on your retirement plan balance.
Beneficiary Required Minimum Distributions	Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Company Stock Distribution Analysis Calculator	If you own company stock in a retirement plan you may be able to take advantage of using the long term capital gains tax rate rather than your ordinary income tax rate on this investment.
How Important is Social Security?	Use this calculator to determine how losing this important retirement asset could affect you.
How long will my retirement savings last?	Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.
Individual 401(k) Contribution Comparison	Use this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan options.
Individual 401(k) Savings Calculator	Use this calculator to see the benefits of an Individual 401(k) for the self-employed.
IRA Spend It or Save It Calculator	Spending your IRA before your retire can be a costly decision. See how taking your out IRA early could cost you thousands of dollars both in taxes and lost earnings.
Pension Plan Retirement Options	Use this calculator to help decide between joint survivorship and single survivorship pension options.
Required Minimum Distribution (RMD)	Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements.
Required Minimum Distribution (RMD) for Current Year	Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.
Retirement Account Contribution Accelerator	Use this calculator to see how increasing your contributions to qualified retirement plan help save for your retirement.
Retirement Contribution Effects on Your Paycheck	Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement.
Retirement Income	Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Nestegg Calculator	Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be.
Retirement Pension Planner	Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement Plan Withdrawal	Use this calculator to see what your net withdrawal would be after taxes and penalties are taken into account.
Retirement Planner	Quickly determine if your retirement plan is on track - and learn how to keep it there.
Retirement Planner with Retirement Earnings	Plan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there.
Retirement Shortfall	Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.
RMD & Stretch IRA Calculator	Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
Roth (after-tax) Account or Pre-Tax Account?	Starting in 2006, you may have the option to contribute to Roth account. Use this calculator to help determine which retirement plan option might be best for you.
Roth 401(k) vs. Traditional 401(k)	Use this calculator to determine which 401(k) contribution type might be right for you.
Roth 403(b) vs. Traditional 403(b)	Use this calculator to determine which 403(b) contribution type might be right for you
Roth IRA Calculator	Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA Conversion	This calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth IRA Conversion with Distributions	Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
Roth IRA vs. Traditional IRA	Use this calculator to determine which IRA may be right for you.
Roth vs. Traditional 401(k) and your Paycheck	See how a Roth vs. Traditional 401(k) might affect your take home pay as well as your retirement savings.
Should you Borrow From a 401(k) or 403(b)?	The majority of 401(k) plans and a growing number of 403(b) plans let you borrow money from your account. Use this calculator to help you determine if you should borrow, and the potential impact on your retirement savings.
Social Security Benefits	Use this calculator to estimate your Social Security benefits.
Traditional IRA Calculator	How can contributing to a regular IRA help you in your retirement?
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Savings

Benefit of Spending Less	Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.
CD Ladder Calculator	Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.
Certificate of Deposit Calculator	Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College Savings	Use this calculator to help develop or fine tune your education savings plan.
Compare Savings Rates	Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!
Compound Savings Calculator	Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Compounding and Your Return	This calculator demonstrates how compounding can affect your savings.
Cool Million	Find out when your savings plan may make you a millionaire!
Credit Union Certificate Calculator	Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance.
Credit Union Certificate Ladder Calculator	Use this calculator to examine the benefits of investing in a series of Certificates with different maturities, also called a Certificate Ladder.
Don't Delay Your Savings!	Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost.
Emergency Savings Calculator	This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Home Buyer Savings Calculator	Use this tool to help you calculate what it might take to save for your new house.
Lunch Savings	Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings Distribution Calculator	Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.
Savings Goals	What will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes, and Inflation	Use this calculator to determine how much your savings will be worth with these two important variables in mind.
Vice Savings	Use this calculator to see how a simple changes in your spending habits for common vices such as smoking, drinking or even eating out can really add up.
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Tax

1040 Tax Calculator	Enter your filing status, income, deductions and credits and we will estimate your total tax. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April.
457 Payroll Deductions	Use this calculator to help you determine the impact of changing your payroll deductions.
Earned Income Credit (EIC) Calculator	Use this calculator to determine if you qualify for the Earned Income Credit and if so, how much it might be worth.
Estate Tax Planning	Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability.
Flexible Spending Account (FSA) Calculator	Use this calculator to see how participating in Flexible Spending Account (FSA) contributions can help you pay less tax, and increase your net take home pay.
Hourly Paycheck Calculator	Use this calculator to help you determine your paycheck for hourly wages.
Marginal Tax Rate Calculator	Use this calculator to determine your marginal and effective tax rates. This calculator sorts through the tax brackets and filing options to calculate your true tax liability.
Net to Gross Paycheck Calculator	Determine the gross paycheck needed to provide a required net amount.
Payroll Deductions Calculator	Use this calculator to help you determine the impact of changing your payroll deductions.
Self-Employment Tax Calculator	If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2019.
U.S. 1040EZ Tax Form Calculator	Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.
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