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Calculators

Calculators are made available to you as self-help tools. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Auto


 How long should I keep a car?
 How much should depreciation cost me?
 How much will my monthly payments be?
 Should I finance or pay cash?
 Should I lease or purchase?
 Should I use a home equity loan or an auto loan?
 What car can I afford?
 What term of loan should I choose?
 Which is better: new or used?
 Which vehicle loan is better?


Budgeting


 How much am I spending?
 How much should I set aside for emergencies?
 How much will it cost to raise a child?
 Should I pay off debt or invest in savings?
 Should my spouse work too?
 What will it take to pay off my balance?


Home Equity Loan


 How large a line of credit can I obtain?
 How much will my payments be?
 Should I consolidate debts?
 Should I use a home equity loan or an auto loan?
 What will it take to pay off my line of credit?
 What will my tax savings be?


Home Mortgage


 Am I better off refinancing?
 How advantageous are extra payments?
 How much can I borrow?
 How much should I put down?
 How much will my payments be?
 Rent vs. Buy
 Which is better: 15 or 30 year term?
 Which is better: fixed or adjustable?
 Which loan is better?


Retirement


 Am I saving enough?
 How advantageous is increasing my savings?
 How much can I contribute to my retirement plan each year?
 How much effect can inflation have?
 How much will Social Security provide?
 How will this account be used?
 What happens if tax laws change?
 What if I underestimate my expenses?
 What if Social Security no longer exists?
 What will I earn with this account?
 What will my expenses be after I retire?
 What will my income be after I retire?
 Which savings or income sources will be largest?
 Which savings should be used first?


Roth IRA


 How will a large withdrawal affect the decision?
 How will changes in tax rate affect the decision?
 Should I convert my IRA into a Roth IRA?
 What amount am I allowed to contribute?
 What option is best for estate planning?
 When should I begin saving?
 Which will provide the most retirement income?


Savings


 How much, at what rate, when?
 How much difference will the rate make?
 How much will my savings be worth?
 How will taxes and inflation affect my savings?
 Whats it worth to reduce my spending?
 What will it take to become a millionaire?
 What will it take to save for a car, home, etc?
 What will it take to save for a college education?
 Which is better: cash or payments?