Financial Calculators

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Taxation

• Federal income tax estimator
• How much self-employment tax will I pay?
• Tax refund estimator
• What is my taxable-equivalent yield?

Home & Mortgage

• Comprehensive mortgage calculator
• Should I convert to a bi-weekly payment schedule?
• What are the tax savings generated by my mortgage?
• Compare an interest-only versus traditional mortgage

Cash Flow

• Should I pay down debt or invest more?
• How long will my money last?
• Historical inflation – compare purchasing power

Investing

• Compare taxable vs. tax-free investment return
• What is the value of a bond?
• 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 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?

Saving

• Becoming a millionaire
• How long will it take to double my money?
• How long until my savings reach my goal?
• Save now vs. save later
• 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?

Business

• What are the tax savings of a qualified retirement/cafeteria plan?
• Should I pay or charge monthly, quarterly or annually?
• What is the value of my business?
• How many units do I need to sell to break even?
• Should I lease or buy equipment?
• What are my tax savings with Section 179 deduction?

Credit & 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 owed on my loan?
• Which is better: cash up front or payments over time?
• What is the impact of making extra debt payments?

College

• Will I be able to pay back my student loans?
• Advantages of the Coverdell ESA
• Advantages of a 529 College Savings Plan
• What is the value of a college education?
  
• What are the payments on a parental (PLUS) loan?

Retirement

• Social security retirement income estimator
• How does inflation impact my retirement income needs?
• Convert discretionary expenses to savings

Insurance

• How much will I earn in my lifetime?
• What are the tax advantages of an annuity?
• How long will my current life insurance proceeds last?

Auto

• Auto purchase – loan vs. 0% dealer financing?
• What would my auto payments be?
• Auto loan – accelerated payoff

Paycheck & Benefits

• Convert my salary to an equivalent hourly wage
• Convert my hourly wage to an equivalent salary

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