Calculators
Cash Flow
- 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 the Coverdell ESA?
- What are the payments on a parental (PLUS) loan?
- What is the value of a college education?
- Will I be able to pay back my student loans?
Credit
- Should I lease or purchase an auto?
- How long until my loan is paid off?
- How long will it take to pay off my credit card(s)?
- Re-structuring debts for accelerated payoff
- Should I consolidate my personal debt into a new loan?
- Should I pay off debts or invest?
- What is the balance on my loan?
- What is the impact of making extra payments on my loan?
- What would my loan payments be?
- Which is better: cash up front or payments over time?
Home & Mortgage
- Adjustable Rate Mortgage Calculator
- Compare a No-Cost Versus Traditional Mortgage
- Comparing Mortgage Terms
- Comprehensive Mortgage Calculator
- How much home can I afford?
- 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?
- Should I take out a fixed or adjustable rate mortgage?
- What are the tax savings generated by my mortgage?
Insurance
- How long will my current life insurance proceeds last?
- How much disability income do I need?
- How much life insurance do I need?
- How much will I earn in my lifetime?
- What are my chances of becoming disabled?
- What are my long-term care needs?
- What are my needs for burial and final expenses?
- What are the tax advantages of an annuity?
- What is my life expectancy?
- What is the future value of an annuity?
Investments
- Certificate of Deposit (CD) Analyzer
- Compare Taxable Versus Tax-Free Investment Return
- How should I allocate my assets?
- Taxable vs. Tax-Deferred 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 & Benefits
- Convert My Hourly Wage To An Equivalent Annual Salary
- Convert My Salary To An Equivalent Hourly Wage
- 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 May My 401(k) 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?
- Self-Employed Retirement Plan Maximum Contribution Calculator
- Should I Convert To A Roth IRA?
- What Are My Lump Sum Distribution Options?
- What Is My Current Year Required Minimum Distribution?
- What Is My Projected Required Minimum Distribution?
- What Is The Impact Of Borrowing From My 401(k) 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 the 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
- 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?
- How Much Should I Save to Reach My Goal?
- 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?
Taxation
- Capital Gains (and Losses) Tax Estimator
- Compare Taxable, Tax-Deferred and Tax-Free Investment Growth
- Federal Income Tax Estimator
- How much of my Social Security benefit might be taxable?
- How much self-employment tax will I pay?
- Should I adjust my payroll withholdings?
- Should I itemize or take the standard deduction?
- What are the tax implications of paying interest
- What is my potential estate tax liability?
- Will my investment interest be deductible?
As with other investments, there are generally fees and expenses associated with participation in a 529 savings plan. Qualified withdrawals are tax-free. Non-qualified withdrawals are subject to ordinary income tax and the earnings may incur a 10% penalty. The tax implications of 529 plans can vary significantly from state to state. Most states offer their own 529 programs, which may provide advantages and benefits exclusively for their residents and taxpayers. Annuities are long term investments subject to possible surrender charges and 10% IRS early withdrawal penalty prior to age 59 ½. Investment earnings are taxed as ordinary income upon withdrawal. Options involve certain risks and are not suitable for all investors. Copes of the Options Disclosure Document are available upon request by calling your advisor, or by contacting the Options Clearing Corporation, 800-678-4667. You may also visit their website http://www.optionsclearing.com/publications/risks/riskstoc.pdf.