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Calculators
The information and interactive calculators are made available to you as self-help tools for your independent use and are not
intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual
circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from
qualified professionals regarding all personal finance issues.
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Beneficiary Required Minimum Distribution (RMD)
- When you are the beneficiary of a retirement plan, specific IRS rules regulate the minimum withdrawals you must take. If you want to simply take your inherited money right now and pay taxes, you can. But if you want to defer taxes as long as possible, there are certain distribution requirements with which you must comply.
Required Minimum Distribution (RMD)
- The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually; starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning.
Retirement Income
- Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. Your annual savings, expected rate of return and your current age all have an impact on your retirement's monthly income.
Retirement Planner
- Do you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement.
Retirement Shortfall
- One of the biggest risks to a comfortable retirement is running out of money too soon. This calculator helps you determine your projected shortfall or surplus at retirement.
Roth IRA
- Creating a Roth IRA can make a big difference in your retirement savings. There is no tax deduction for contributions made to a Roth IRA, however all future earnings are sheltered from taxes.
Roth IRA vs. Traditional IRA
- An IRA can be an effective retirement tool. There are two basic types of Individual Retirement Accounts (IRA): the Roth IRA and the Traditional IRA. Use this tool to determine which IRA may be right for you.
Roth IRA Conversion
- In 1997, the Roth IRA was introduced. Since then, many people have converted all or a portion of their existing Traditional IRAs to a Roth IRAs, where interest earned may be completely tax-free. Is this a good option for you?
Save a Cool Million
- What does it take to save a million dollars?
Create a Home Budget
- Determine your home budget and generate a report for your records.
Investment Returns
- Meeting your long-term investment goal is dependent on a number of factors. This not only includes your investment capital and rate of return, but inflation, taxes and your time horizon.
Net Worth
- Quickly determine what your current net worth is.
Savings Goals
- What will it take to help reach your savings goals?
Loan Comparison
- Compare several loans to see which one is the best for you.
Mortgage APR
- Calculate the actual Annual Percentage Rate of your mortgage.
Mortgage Payoff
- Does it make sense to make additional payment to your mortgage to save interest?
Mortgage Tax Savings
- Interest paid on a primary residence mortgage is tax deductible if you itemize on your tax return.
Mortgage Refinance Breakeven
- Determine if it makes sense to refinance that property.
Loan and Credit Line Tax Savings
- This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Savings, Taxes and Inflation
- The value of your savings can be affected by both taxes and inflation. Use this calculator to determine how much your savings will be worth with this in mind.
Minimum Life Insurance Required
- This will help you calculate the minimum amount of life insurance you should have.
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