Financial Calculators

Our resources section includes financial calculators to help guide you with your financial planning activities. Please remember that these calculators use approximations for hypothetical and illustrative purposes only, and are not meant to replace professional investment advice.

There are many variables to consider when analyzing one's finances, not all of which can be captured within these tools. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances.

Retirement Calculators

Tools to help you plan and allocate your assets for retirement.

Roth vs. Traditional

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. Please note, that this calculator should not be used for Roth 401(k) comparisons.

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Traditional IRA Savings Growth

Contributing to a traditional IRA can create a current tax deduction, plus it provides for tax-deferred growth.

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Roth IRA

Contributing to 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, under current tax laws provided certain conditions are met.

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Savings Calculators

Tools to help you plan your savings goals over time.

College Savings Planner

Saving for your children's education requires a long-term plan. And, like saving for retirement, the earlier you start your plan the better. Use this calculator to help develop or fine-tune your education savings plan.

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Savings, Taxes, and Inflation

Use this calculator to determine how much your savings will be worth with these two important variables in mind.

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Savings Goal

Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

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Income Tax Calculator

Simply select your tax filing status and enter a few other details to estimate your total taxes. Based on your projected withholdings for the year, we then show you your refund or the amount you may owe the IRS next April.

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Self-Employment Tax

Use this calculator to estimate your self-employment taxes. Normally these taxes are withheld by your employer. However, if you are self-employed, operate a farm or are a church employee you may owe self-employment taxes.

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Net Worth

Your net worth is the value of all of your assets, minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. If you owe more than you own, you have a negative net worth. If you own more than you owe you will have a positive net worth. This calculator helps you determine your net worth and estimates how it could grow (or shrink) over the next ten years.

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Financial Ratios

This calculator is designed to show you 10 different financial ratios. Financial ratios are used as indicators that allow you to zero in on areas of your business that may need attention such as solvency, liquidity, operational efficiency and profitability.

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Investment Calculators

Tools to help you determine present/future value, accumulation and asset allocation.

Asset Allocator

The asset allocation is designed to help you create a balanced portfolio of investments. Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio.

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Investment Returns

Many investments are taxed differently. For example with bonds, some may be taxed federally only, some may be taxed at the state level only, and some may be taxed both at the state and federal level. Use this calculator to help make an apple-to-apple comparison of varying investment returns.

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Future Value of Payments

Use this calculator to determine the effective annual yield on an investment.

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Business Valuation — Discounted Cash Flow

Business valuation is typically based on three major methods: the income approach, the asset approach and the market (comparable sales) approach. Among the income approaches is the discounted cash flow methodology calculating the net present value ('NPV') of future cash flows for an enterprise. As an alternative to the more abbreviated income capitalization approach, this methodology is more relevant where future operating conditions and cash flows are variable or not projected to be materially consistent with current performance levels.

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Insurance Calculators

Tools to help you assess insurance, annuity and long-term care needs.

Life Insurance Needs

How much life insurance do you need? Use this calculator to find out.

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Long-Term Care

Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This can include people suffering from a debilitating illness or chronic injury. The need for long term care can arise unexpectedly, often creating a large financial burden. Use this calculator to determine your potential long-term care needs and how long your current assets might last.

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Life Expectancy

How much you need for retirement depends a great deal on how long you expect to live. This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.

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Disability Insurance

One of the most common causes of income loss is through a disability. While most disabilities cause only temporary loss of income, any income loss can be devastating if you are not financially prepared. This calculator helps you determine how much disability insurance you may need to cover expenses during such a disability.

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Estate Tax Planning

Estate tax planning is very important to preserving your wealth for future generations. Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to project the value of your estate, and the associated estate tax.

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Our resources section includes financial calculators to help guide you with your financial planning activities. Please remember that these calculators use approximations for hypothetical and illustrative purposes only, and are not meant to replace professional investment advice.

There are many variables to consider when analyzing one's finances, not all of which can be captured within these tools. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances.

Retirement Calculators

Tools to help you plan and allocate your assets for retirement.

401(k) Rollover

Spend it or save it calculator — There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.

72(t) Distributions

The IRS Rule 72(t) allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72(t) Distribution and how it can help fund your early retirement.

72(t)

This calculator is designed to examine the effects of 72(t) distributions on your retirement plan balance.

Required Minimum Distribution

Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.

Life Insurance Needs

This provides an estimate of life insurance needs given the untimely death of a breadwinner or stay-at-home parent.

Periodic Withdrawals

This calculates the regular withdrawals you can make from a lump sum. It is useful for retirement income planning.

Retirement Planner

Quickly determine if your retirement plan is on track - and learn how to keep it there.

Retirement Shortfall

Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.

Roth vs. Traditional

Use this calculator to determine which IRA may be right for you.

Savings Calculators

Tools to help you plan your savings goals over time.

College Tuition Planner

This projects college costs and any savings gap for up to 5 children.

Cost of Waiting

Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost.

Savings, Taxes, and Inflation

Use this calculator to determine how much your savings will be worth with these two important variables in mind.

Savings Goals Calculator

Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Savings Goal Planner

This helps you plan your savings in anticipation of a major goal such as buying a home, getting married, retirement, etc.

Investment Calculators

Tools to help you determine present/future value, accumulation and asset allocation.

Asset Allocator

Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.

Future Value of Payments

This projects the future value of annual contributions by varying interest rates, length of years and when the contribution is made.

Investment Returns

There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.

Present Value/Future Value

This flexible financial tool helps you project forward to a future value of an investment; or backwards to a starting investment required to meet a future goal amount.

Tax-Deferred Accumulation

This projects how a tax-deferred investment can grow in comparison to an investment taxed as earnings are received.

Other Calculators

Tools to help you calculate amortization, valuation, estate tax and others.

Amortization

This helps you determine the payment needed to repay a loan, such as a home mortgage or car note, using different input assumptions.

Basic Calculator

This works just like a pocket calculator.

Business Valuation

This provides 4 alternate valuations of your business in the event of a sale.

Installment Sale

This projects the interest, principal and earnings required to support an installment sale at varying input amounts. It is useful for both buyers and sellers.

Quick Estate

This provides a quick estimate of Federal taxes due on your estate given different inputs.

Third-Party Calculators

Can't find what you're looking for? This page is provided as a service that will take you to other third-party sites.