### We hope you find these calculators useful to your everyday decisions in life!

**Automotive**

__Auto loan – Accelerated payoff____Auto purchase – Loan versus 0% dealer financing?____How much can I lower my monthly payment with a new auto loan?____How much vehicle can I afford?____Should I lease or purchase an auto?____Should I refinance my auto loan at a lower rate?____Should I upgrade to a more fuel efficient vehicle?____What would my auto payments be?__

**Business**

__How many units do I need to sell to break even?____Should I lease or buy equipment?____Should I pay or charge monthly, quarterly or annually?____What are my business financial ratios?____What are my new business startup costs?____What are the tax savings of a qualified retirement/cafeteria plan?____What is my total employee compensation package worth?____What is the value of my business?__

**Cash Flow**

__Historical inflation – Compare purchasing power____How does inflation impact my standard of living?____How long will my money last with systematic withdrawals?____How much am I spending?____How much do I need for emergencies?____Should I pay down debt or invest my monthly surplus?____Should my spouse enter the work force?____What is my current cash flow?____What is my current net worth?____What is my projected cash flow?____What is my projected net worth?____What is the value of reducing, postponing or foregoing expenses?__

**College**

__How much should I be saving for college?____Should I live at home, on campus, or off campus?____What are the advantages of a 529 college savings plan?____What are the advantages of a Coverdell ESA?____What are the payments on a parental (PLUS) loan?____What is the value of a college education?____When should I begin saving for my child’s college?____Will I be able to pay back my student loans?__

**Credit**

__Do I have too much debt?____How long until my loan is paid off?____How long will it take to pay off my credit card(s)?____Restructuring debts for accelerated payoff____Should I consolidate my personal debt into a new loan?____Should I pay off debt or invest?____What is the balance on my loan?____What is the impact of making extra payments on my debt?____What would my loan payments be?____Which is better: Cash up front or payments over time?__

**Custom**

**Home and Mortgage**

__Adjustable rate mortgage calculator____Compare a ‘no-cost’ vs. traditional mortgage____Compare an interest-only vs. traditional mortgage____Comparing mortgage terms (i.e. 15, 20, 30 year)____How do closing costs impact the interest rate?____How much can I borrow from my home equity (HELOC)?____How much home can I afford?____Mortgage calculator____Should I convert to a bi-weekly payment schedule?____Should I pay discount points for a lower interest rate?____Should I refinance my mortgage?____Should I rent or buy a home?____What are the tax savings generated by my mortgage?____Which is better, fixed or adjustable-rate mortgage?__

**Insurance**

__How long will my current life insurance proceeds last?____How much disability income insurance do I need?____How much life insurance do I need?____How much will I earn in my lifetime?____What are my long-term care insurance needs?____What are my needs for burial and final expenses?____What are the chances of becoming disabled?____What are the tax advantages of an annuity?____What is my life expectancy?____What is the future value of an annuity?____Which is better, comprehensive plan or high-deductible plan with HSA?__

**Investments**

__Certificate of deposit (CD) laddering strategy____Certificate of deposit (CD) analyzer____Compare taxable vs. tax-free investment return____How do expenses impact mutual fund returns?____How should I allocate my assets?____Share Certificate analyzer____Share Certificate laddering strategy____Taxable vs. tax-advantaged savings?____What is my risk tolerance?____What is the dividend yield on a stock?____What is the long-term impact of increased investment return?____What is the return on my real estate investment?____What is the value of a bond?____What is the value of a call or put option?____What is the value of compound interest?__

**Paycheck and Benefits**

__Convert my hourly wage to an equivalent annual salary____Convert my salary to an equivalent hourly wage____What may my 401(k) be worth?____How much will my company bonus net after taxes?____How will payroll adjustments affect my take-home pay?____Should I exercise my ‘in-the-money’ stock options?____What is the future value of my employee stock options?____What is the impact of increasing my 401(k) contribution?____What is the impact of increasing my 403(b) contribution?____What is the impact of increasing my 457 Plan contribution?____What may my 403(b) Plan be worth?____What may my 457 Plan be worth?__

**Qualified Plans**

__Evaluate my company pension payout options____How do I maximize my employer 401(k) match?____How much can I contribute to an IRA?____How much retirement income may my IRA provide?____I’m self-employed, how much can I contribute to a retirement plan?____Net unrealized appreciation (NUA) vs. IRA rollover?____Should I convert to a Roth IRA?____What are my lump sum distribution options?____What are my Stretch IRA distributions?____What is my current year required minimum distribution?____What is my projected required minimum distributions?____What is the impact of borrowing from my retirement plan?____What is the impact of early withdrawal from my 401(k)?____What will my qualified plan(s) be worth at retirement?__

**Retirement**

__Are my current retirement savings sufficient?____Compare a Roth 401(k) to a Traditional 401(K)____How does inflation impact my retirement income needs?____How much retirement income may my 401(k) provide?____How much will I need to save for retirement?____How will retirement impact my living expenses?____I’m retired, how long will my savings last?____Should I convert discretionary expenses to savings?____Social security retirement income estimator____When should I begin saving for retirement?__

**Saving**

__How much should I save to reach my goal?____Becoming a millionaire____Calculate rate of return____How do taxes and inflation impact my investment return?____How long until my savings reach my goal?____How long will it take to double my savings?____Income generated by a savings plan____Save now vs. save later____What could my current savings grow to?____What is the effective annual yield on my investment?__

**Taxes**

__Tax refund estimator____Federal income tax estimator____Capital gains (losses) tax estimator____Compare taxable, tax-deferred, and tax-free investment growth____How much of my social security benefit may be taxed?____How much self-employment tax will I pay?____Should I adjust my payroll withholdings?____Should I itemize or take the standard deduction?____Tax freedom day____What are the tax implications of paying interest?____What is my potential estate tax liability?____What is my tax-equivalent yield?____Will my investment interest be deductible?__