Financial Calculators

Financial Calculators

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  Automobile
  
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  Cash Flow
  
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  College
  
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  Credit
  
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  Home and Mortgage
  
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  Insurance
  
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  Paycheck
  
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  Qualified Plans
  
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  Retirement
  
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  Savings
  
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  Taxes
  

Automobile

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  Lease or buy an automoblie?
  
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  Lone vs. 0% dealer Financing?
  
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  What would my auto payments be?
  
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  Upgrade to a more fuel efficient vehicle?
  
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  Auto loan: accelerated payoff
  
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  How much vehicle can I afford?
  

Cash Flow

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  Does inflation impact my standard of living?
  
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  How much am I spending?
  
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  How much do I need for emergencies?
  
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  Pay down debt or invest more?
  
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  How long will my money last?
  
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  Should my spouse work?
  
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  What is my current net worth?
  
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  What is my projected net worth?
  
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  What is my current cash flow?
  
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  What is my projected cash flow?
  
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  Value of reducing or foregoing expenses
  
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  Historical inflation – compare purchasing power
  

College

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  How much should I be saving for college?
  
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  Can I pay back my student loans?
  
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  Advantages of the Coverdell ESA
  
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  Advantages of a 529 college savings plan
  
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  The value of a college education?
  
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  Payments on a parental (PLUS) loan?
  
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  Live on campus, off campus or at home?
  

Credit

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  How long will it take to pay off my credit card?
  
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  How long until my loan is paid off?
  
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  What are my loan payments?
  
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  What is the balance owing on my loan?
  
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  Consolidate my personal debt?
  
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  Re-structuring debts for accelerated payoff
  
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  Cash up front or payments over time?
  
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  Impact of making extra debt payments?
  
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  Pay off debts or invest the money?
  
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  Estimate my credit score
  

Home & Mortgage

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  How much home can I afford?
  
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  Should I refinance my home mortgage (break even)?
  
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  Mortgage calculator
  
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  Comparing mortgage terms (i.e. 15, 20, 30 year)
  
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  Should I pay discount points for a lower interest rate?
  
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  Should I rent or buy a home?
  
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  Should I convert to a bi-weekly payment schedule?
  
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  Compare a ‘no-cost’ versus traditional mortgage
  
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  What are the tax savings generated by my mortgage?
  
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  Which is better: fixed or adjustable-rate mortgage?
  
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  Adjustable rate mortgage calculator
  
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  How do closing costs impact the interest rate?
  
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  Compare an interest-only versus traditional mortgage
  

Insurance

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  How much life insurance do I need?
  
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  What is my life expectancy?
  
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  Needs for burial and final expenses?
  
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  How much disability income insurance do I need?
  
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  Chances of becoming disabled
  
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  Long-term care insurance needs
  
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  How much will I earn in my lifetime?
  
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  Tax advantages of an annuity?
  
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  How long will my current life insurance proceeds last?
  
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  Future value of an annuity?
  
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  Which Is Better, Comprehensive Plan Or High-Deductible Plan With HSA?
  

Paycheck & Benefits

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  How much is my company bonus after taxes?
  
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  How will payroll adjustments affect my take-home pay?
  
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  Convert my salary to an equivalent hourly wage
  
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  Convert my hourly wage to an equivalent hourly wage
  
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  Future value of my employee stock options?
  
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  Exercise my “in-the-money” stock options?
  
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  What may my 401(k) be worth?
  
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  Impact of increasing my 401(k) contribution?
  
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  What may my 457 Plan be worth?
  
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  Impact of increasing my 457 Plan contribution?
  

Qualified Plans

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  Evaluate my company pension payout options
  
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  How much can I contribute to an IRA?
  
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  Retirement income from my IRA provider?
  
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  Convert to a Roth IRA?
  
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  Qualified plan is worth what retirement?
  
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  Current year required minimum distribution?
  
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  Projected required minimum distributions?
  
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  Lump sum distribution options?
  
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  Maximize my employer 401(k) match?
  
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  Impact of borrowing from my 401(k) plan?
  
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  Impact of early withdrawal from my 401(k)?
  
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  I’m self-employed, how much can I contribute to a retirement plan?
  
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  Net Unrealized Appreciation (NUA) vs. IRA Rollover?
  

Retirement

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  Will retirement impact my living expenses?
  
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  How much will I need for retirement?
  
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  Are my current retirement savings sufficient?
  
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  Social Security retirement income estimator
  
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  How does inflation impact my retirement income needs?
  
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  I’m retired, how long will my savings last?
  
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  When should I begin saving for retirement?
  
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  Convert discretionary expenses to savings?
  
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  How much retirement income may my 401(k) provide?
  
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  Compare a Roth 401(k) to a Traditional 401(K)
  

Savings

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

Taxes

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