Financial Tools

Budget

▶ Does inflation impact my standard of living?

▶ How much am I spending?

▶ How much do I need for emergencies?

▶ Should I pay down debt or invest more?

▶ How long will my money last?

▶ Should my spouse enter the work force?

▶ What is my current net worth?

▶ What is my projected net worth?

▶ What is my current cash flow?

▶ What is my projected cash flow?

▶ What is the value of reducing, postponing or foregoing expenses?

College

▶ How much should I be saving for college?

▶ Will I be able to repay my student loan?

▶ What are the advantages of the Coverdell ESA?

▶ What are the advantages of a 529 College Savings Plan?

▶ What is the value of a college education?

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

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

Debt

▶ How long will it take to pay off my credit card(s)?

▶ How long until my loan is paid off?

▶ What would my loan payments be?

▶ What is the balance on my loan?

▶ Should I consolidate my personal debt into a new loan?

▶ Re-structuring debts for accelerated payoff

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

▶ What is the impact of making extra payments on my loan?

▶ Should I pay off debts or invest?

Home & Mortgage

▶ How much home can I afford?

▶ Should I refinance my home mortgage? (breakeven)

▶ Comprehensive mortgage calculator

▶ Comparing mortgage terms

▶ Should I pay extra points for a lower interest rate?

▶ Should I rent or buy a home?

▶ 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?

▶ Adjustable rate mortgage calculator

▶ How do closing costs impact the interest rate?

Income

▶ 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

▶ Compare taxable, tax-deferred and tax-free investment growth

▶ How much of my Social Security benefit might be taxable?

▶ What are the tax implications of paying interest?

▶ Should I itemize or take the standard deduction?

▶ What is my tax-equivalent yield?

▶ What is the amount of my 2014 rebate check?

Insurance

▶ How much life insurance do I need?

▶ What is my life expectancy?

▶ What are my needs for burial and final expenses?

▶ How much disability income do I need?

▶ What are the chances of becoming disabled?

▶ What are my long-term care insurance needs?

▶ How much will I earn in my lifetime?

▶ What are the tax advantages of an annuity?

▶ How long will my current insurance last?

▶ What is the future value of an annuity?

▶ Which is better, Comprehensive Plan Or High-Deductible Plan With HSA?

Investment

▶ How should I allocate my assets?

▶ Compare taxable versus 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?

▶ What is the value of a call or put option?

▶ Taxable vs. tax-advantaged saving comparison

▶ What is my risk tolerance?

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

▶ Certificate of Deposit (CD) analyzer

▶ What is the dividend yield on a stock?

▶ How do expenses impact mutual fund returns?

Payroll & Benefits

▶ How much will my company bonus net after taxes?

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

▶ Convert my salary to an equivalent hourly wage

▶ Convert my hourly wage to an equivalent annual salary

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

▶ Should I exercise my 'in-the-money' stock options?

▶ What may my 401(k) be worth?

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

Qualified Plans

▶ Evaluate my company pension payout options

▶ 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 is 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) plan?

▶ What is the impact of early withdrawal from my 401(k)?

▶ What is my maximum self-employed retirement plan contribution?

▶ Net Unrealized Appreciation (NUA)

Retirement

▶ How will retirement impact my living expenses?

▶ How much will I need to save for retirement?

▶ Are my current retirement savings sufficient?

▶ Social Security retirement income estimator

▶ How does inflation impact retirement income needs?

▶ I'm retired, how long will my savings last?

▶ When should I begin saving for retirement?

▶ Should I convert discretionary expenses to savings?

▶ How much retirement income may my 401(k) provide?

▶ Compare Roth 401(k) to Traditional 401(k)

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?

▶ Save now vs. save later calculator

▶ How much should I save to reach my goal?

▶ What will my current savings grow to?

▶ Calculate rate of return

▶ How do taxes and inflation impact my return?

▶ What is my effective annual yield?

Business

▶ Tax savings of a qualified retirement/cafeteria plan