Financial Calculators

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These are free calculators provided by Calcxml
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CASH FLOW CALCULATORS

• bud01: How does inflation impact my standard of living?
• bud02: How much am I spending?
• bud03: How much do I need for emergencies?
• bud04: Should I pay down debt or invest my monthly surplus?
• bud05: How long will my money last with systematic withdrawals?
• bud06: Should my spouse enter the work force?
• bud07: What is my current net worth?
• bud08: What is my projected net worth?
• bud09: What is my current cash flow?
• bud10: What is my projected cash flow?
• bud11: What is the value of reducing, postponing or foregoing expenses?
• bud12: Historical inflation - Compare purchasing power
• bud13: Balance My Checkbook

COLLEGE CALCULATORS

• col01: How much should I be saving for college?
• col02: Will I be able to pay back my student loans?
• col03: What are the advantages of a Coverdell ESA?
• col04: What are the advantages of a 529 college savings plan?
• col05: What is the value of a college education?
• col06: What are the payments on a parental (PLUS) loan?
• col07: Should I live at home, on campus, or off campus?
• col08: When should I begin saving for my child's college?

CREDIT & DEBT CALCULATORS

• det01: How long will it take to pay off my credit card(s)?
• det02: How long until my loan is paid off?
• det03: What would my loan payments be?
• det04: Do I have too much debt?
• det05: What is the balance on my loan?
• det06: Should I consolidate my personal debt into a new loan?
• det07: Restructuring debts for accelerated payoff
• det08: Which is better: Cash up front or payments over time?
• det09: What is the impact of making extra payments on my debt?
• det10: Should I pay off debt or invest?
• det11: Should I transfer my credit card balances?

HOME & MORTGAGE CALCULATORS

• hom01: How much home can I afford?
• hom02: Should I refinance my mortgage?
• hom03: Mortgage calculator
• hom04: Comparing mortgage terms (i.e. 15, 20, 30 year)
• hom05: Should I pay discount points for a lower interest rate?
• hom06: Should I rent or buy a home?
• hom07: Should I convert to a bi-weekly payment schedule?
• hom08: Compare a 'no-cost' vs. traditional mortgage
• hom09: What are the tax savings generated by my mortgage?
• hom10: Which is better, fixed or adjustable-rate mortgage?
• hom11: Adjustable rate mortgage calculator
• hom12: How do closing costs impact the interest rate?
• hom13: Compare an interest-only vs. traditional mortgage
• hom14: How much can I borrow from my home equity (HELOC)?
• hom15: Loan Comparison Calculator

TAXATION CALCULATORS

• inc01: What is my potential estate tax liability?
• inc02: 2014 federal income tax calculator
• inc03: Should I adjust my payroll withholdings?
• inc04: Will my investment interest be deductible?
• inc05: How much self-employment tax will I pay?
• inc06: Capital gains (losses) tax estimator
• inc07: Compare taxable, tax-deferred, and tax-free investment growth
• inc08: How much of my social security benefit may be taxed?
• inc09: What are the tax implications of paying interest?
• inc10: Should I itemize or take the standard deduction?
• inc11: What is my tax-equivalent yield?
• inc12: 2014 tax refund estimator
• inc13: Tax freedom day

INSURANCE CALCULATORS

• ins01: How much life insurance do I need?
• ins02: What is my life expectancy?
• ins03: What are my needs for burial and final expenses?
• ins04: How much disability income insurance do I need?
• ins05: What are the chances of becoming disabled?
• ins06: What are my long-term care insurance needs?
• ins07: How much will I earn in my lifetime?
• ins08: What are the tax advantages of an annuity?
• ins09: How long will my current life insurance proceeds last?
• ins10: What is the future value of an annuity?
• ins11: Which is better, comprehensive plan or high-deductible plan with HSA?
• ins12: Compare a taxable investment to a tax-deferred investment

PAYCHECK & BENEFITS CALCULATORS

• pay01: How much will my company bonus net after taxes?
• pay02: How will payroll adjustments affect my take-home pay?
• pay03: Convert my salary to an equivalent hourly wage
• pay04: Convert my hourly wage to an equivalent annual salary
• pay05: What is the future value of my employee stock options?
• pay06: Should I exercise my 'in-the-money' stock options?
• pay07: What may my 401(k) be worth?
• pay08: What is the impact of increasing my 401(k) contribution?
• pay09: What may my 457(b) be worth?
• pay10: What is the impact of increasing my 457(b) contribution?
• pay11: What may my 403(b) Plan be worth?
• pay12: What is the impact of increasing my 403(b) contribution?

QUALIFIED PLANS CALCULATORS

• qua01: Evaluate my company pension payout options
• qua02: How much can I contribute to an IRA?
• qua03: How much retirement income may an IRA provide?
• qua04: Should I convert to a Roth IRA?
• qua05: What will my qualified plan(s) be worth at retirement?
• qua06: What is my current year required minimum distribution?
• qua07: What is my projected required minimum distributions?
• qua08: What are my lump sum distribution options?
• qua09: How do I maximize my employer 401(k) match?
• qua10: What is the impact of borrowing from my retirement plan?
• qua11: What is the impact of early withdrawal from my 401(k)?
• qua12: I'm self-employed, how much can I contribute to a retirement plan?
• qua13: Net unrealized appreciation (NUA) vs. IRA rollover?
• qua14: What are my Stretch IRA distributions?
• qua15: 72(t) early distribution analysis

RETIREMENT CALCULATORS

• ret01: How will retirement impact my living expenses?
• ret02: How much will I need to save for retirement?
• ret03: Are my current retirement savings sufficient?
• ret04: Social security retirement income estimator
• ret05: How does inflation impact my retirement income needs?
• ret06: I'm retired, how long will my savings last?
• ret07: When should I begin saving for retirement?
• ret08: Should I convert discretionary expenses to savings?
• ret09: How much retirement income may my 401(k) provide?
• ret10: Compare a Roth 401(k) to a Traditional 401(K)
• RMD Calculator (Fidelity)

SAVING CALCULATORS

• sav01: Becoming a millionaire
• sav02: Income generated by a savings plan
• sav03: How long will it take to double my savings?
• sav04: How long until my savings reach my goal?
• sav05: Save now vs. save later
• sav06: How much should I save to reach my goal?
• sav07: What could my current savings grow to?
• sav08: Calculate rate of return
• sav09: How do taxes and inflation impact my investment return?
• sav10: What is the effective annual yield on my investment?

INVESTMENT CALCULATORS

• inv01: How should I allocate my assets?
• inv02: Compare taxable vs. tax-free investment return
• inv03: What is the value of a bond?
• inv04: What is the return on my real estate investment?
• inv05: What is the value of compound interest?
• inv06: What is the value of a call or put option?
• inv07: Taxable vs. tax-advantaged savings?
• inv08: What is my risk tolerance?
• inv09: What is the long-term impact of increased investment return?
• inv10: Certificate of deposit (CD) analyzer
• inv11: What is the dividend yield on a stock?
• inv12: How do expenses impact mutual fund returns?
• inv13: Certificate of deposit (CD) laddering strategy
• inv14: Share Certificate analyzer
• inv15: Share Certificate laddering strategy

AUTO CALCULATORS

• aut01: Should I lease or purchase an auto?
• aut02: Auto purchase - Loan versus 0% dealer financing?
• aut03: What would my auto payments be?
• aut04: Should I upgrade to a more fuel efficient vehicle?
• aut05: Auto loan - Accelerated payoff
• aut06: How much vehicle can I afford?
• aut07: Should I refinance my auto loan at a lower rate?
• aut08: How much can I lower my monthly payment with a new auto loan?

BUSINESS CALCULATORS

• bus01: What are the tax savings of a qualified retirement/cafeteria plan?
• bus02: What are my new business startup costs?
• bus03: Should I pay or charge monthly, quarterly or annually?
• bus04: What is the value of my business?
• bus05: How many units do I need to sell to breakeven?
• bus06: Should I lease or buy equipment?
• bus07: What are my business financial ratios?
• bus08: What is my employee total compensation package worth?
• bus09: What are my tax savings with Section 179 deduction?

OTHER CALCULATORS

• det14: What is my credit score?
• cus35: Add, Subtract, Multiply, Divide