Financial Tools


▶ 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?

▶ 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?

▶ 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?

▶ 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?

▶ 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?

▶ 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)

▶ 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)

▶ 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?

▶ Tax savings of a qualified retirement/cafeteria plan