Calculators

Saving for College

How much should I be saving for college? With college costs increasing at twice the rate of inflation, it is important to start saving early. Interest

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Taxable vs. Tax-Deferred

TAXABLE VS. TAX-ADVANTAGED SAVINGS? Tax-deferral can have a dramatic effect on the growth of an investment. Use this calculator to determine the future value of an

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Savings Growth

WHAT IS THE LONG-TERM IMPACT OF INCREASED INVESTMENT RETURN? It may surprise you how much more you could accumulate in savings simply by repositioning assets to

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Risk Profiler

WHAT IS MY RISK TOLERANCE? On your way home from work, do you drive in the slow lane or the fast lane? Each person has a

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Retirement Savings

HOW MUCH WILL I NEED TO SAVE FOR RETIREMENT? Retirement can be the saddest or happiest day of your life. This pre-retirement calculator will help you

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Paycheck Analyze

HOW WILL PAYROLL ADJUSTMENTS AFFECT MY TAKE-HOME PAY? Contributions to a qualified plan, participation in a company-sponsored cafeteria plan, change in filing status, or the number

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Number of Periods

HOW LONG UNTIL MY SAVINGS REACH MY GOAL? Compound interest can have a dramatic affect on the growth of a single deposit. Use this calculator to

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LTC Insurance Need

WHAT ARE MY LONG-TERM CARE INSURANCE NEEDS? There are basically three ways to fund your long-term care needs: self-insure, qualify for Medicaid or obtain long-term care

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Loan Acceleration

WHAT IS THE IMPACT OF MAKING EXTRA PAYMENTS ON MY DEBT? Over the course of loan amortization, you will spend hundreds, thousands, and maybe even hundreds

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Lifetime Earnings

HOW MUCH WILL I EARN IN MY LIFETIME? Most people earn a small fortune during their lifetime. Yet many of them are unaware of how their

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Life Insurance Need

HOW MUCH LIFE INSURANCE DO I NEED? Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in

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Life Expectancy

WHAT IS MY LIFE EXPECTANCY? With medical advances and improved lifestyles, life expectancies in the United States are on the rise.* Use this basic calculator to

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Lease vs. Purchase

SHOULD I LEASE OR PURCHASE AN AUTO? Leasing has become a very popular method of acquiring a new auto. Although the payments may seem attractive, it

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IRA Eligibility

How much can I contribute to an IRA? Many factors can affect your eligibility and contribution limits to either the Traditional IRA or Roth IRA —

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Impact of Inflation

HOW DOES INFLATION IMPACT MY RETIREMENT INCOME NEEDS? It may surprise you how much inflation can erode purchasing power. Use this calculator to estimate how much

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Home Affordability

How much house can I afford? When you’re buying a home, mortgage lenders don’t look just at your income, assets, and the down payment you have.

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Federal Withholding

SHOULD I ADJUST MY PAYROLL WITHHOLDINGS? Each April many taxpayers are surprised as they realize that they have either over-withheld or under-withheld on their taxes. Use

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Credit Card Payoff

HOW LONG WILL IT TAKE TO PAY OFF MY CREDIT CARD(S)? Americans today owe more money than ever before. The fact that ‘interest never sleeps’ means

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Cost of Waiting

WHEN SHOULD I BEGIN SAVING FOR RETIREMENT? A penny saved is a penny earned, but a penny saved today is a penny potentially earning more. Use

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Cash Flow

WHAT IS MY CURRENT CASH FLOW? Businesses generate a source and uses of funds statement to evaluate their income and expenses and to check profitability. Similarly,

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Asset Allocation

HOW SHOULD I ALLOCATE MY ASSETS? Over 90 percent of investment returns are determined by how investors allocate their assets versus security selection, market timing and

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Estate Taxes

WHAT IS MY POTENTIAL ESTATE TAX LIABILITY? In 2023 estates worth up to $12.92 million will be excluded from paying federal estate tax. This means that

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