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Personal Finance Calculator Center
Mortgage Calculators
Bi-weekly Payment Calculator Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
Bi-weekly Payments for an Existing Mortgage This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
Adjustable Rate Mortgage Calculator This calculator helps you to determine what your adjustable mortgage payments will be.
Mortgage APR Calculator Use this calculator to find the APR on your mortgage.
ARM vs. Fixed Rate Mortgage Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Balloon Mortgages A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule.
Mortgage comparison: 15 years vs. 30 years Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Fixed Rate Mortgage vs. Interest Only Mortgage Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Fixed Rate Mortgage vs. LIBOR ARM Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
Mortgage Required Income Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
Interest Only Mortgage Calculator Use this calculator to generate an amortization schedule for an interest only mortgage.
Mortgage Loan Calculator (PITI) Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Maximum Mortgage Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage Payoff Save thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Points Calculator Should you buy points? Use this calculator to find out.
Mortgage Qualifier Can you buy your dream home? Find out just how much you can afford!
Refinance Breakeven Should you refinance your mortgage? Use this calculator to determine when you will breakeven!
Rent vs. Buy Are you better off buying your home, or should you continue to rent?
Mortgage Tax Savings Calculator Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.
Refinance Interest Savings Use this calculator to see how much interest you can save by refinancing your mortgage!
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Loan Calculators
Balloon Loan Calculator A balloon loan can be an excellent option for many borrowers, use this calculator to see how a balloon loan might work for you.
Loan Comparison Calculator Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.
Alternative Payment Frequencies Use this calculator to determine your payment or loan amount for different payment frequencies.
Credit Line How big a line of credit can you receive? Use this calculator to find out!
Debt Consolidation Calculator Should you consolidate your debt? Use this calculator to find out.
Enhanced Loan Calculator Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Existing Loan Calculator Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining.
Loan & Credit Line Tax Savings This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Amortizing Loan Calculator Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
Loan Prequalification Calculator Use this calculator as your first step in determining your ability to qualify for a loan.
Equity Line of Credit Payments What will my monthly payments be for an interest only equity line of credit?
Loan & Line Payment This calculator helps determine your loan or line payment.
Line of Credit Payoff Use this calculator to see what it will take to payoff your line of credit, and what you can change to meet your repayment goals.
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Credit Cards and Debt Management
Credit Card Optimizer The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
Accelerated Debt Payoff Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.
How much do you owe? Use this calculator as a starting point for your debt management plan.
Personal Debt Consolidation Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Rolldown your Credit Card debt! The Credit Card Rolldown Calculator applies two simple principles to paying off your credit card debt.
Consolidation Loan Investment Calculator Getting a consolidation loan can do more than payoff your debt. Use this calculator to see the results of paying off your debt and investing your payment savings.
Credit Card Pay Off Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
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Auto Calculators
Home Equity vs. Auto loan Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Auto Loans Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Low Interest Financing Savings Low, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save.
Auto Loan Early Payoff Find out how much interest you can save by increasing your monthly auto loan payment.
Auto Rebate vs. Low Interest Financing Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
Lease vs. Buy Should you lease your next automobile or finance it? Find out with this calculator!
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Investment Calculators
Asset Allocator Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Mutual Fund Expense Calculator This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating expenses on your investment.
Future Contracts Calculator Use this calculator to determine the number of futures contracts you may wish to purchase based on your account equity and trading plan.
Investment Loan This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk.
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.
Annual Stock Option Grants Use this calculator to project how much a series of annual stock option grants could be worth to you.
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Retirement Savings and Planning
Variable Annuity Calculator How can a variable annuity help you save for retirement? Use this calculator to find out.
Fixed Annuity Calculator A Fixed Annuity can provide a very secure, tax deferred investment. Use this calculator to help you determine how a Fixed Annuity might fit into your retirement plan.
How important is Social Security? Use this calculator to determine how losing this important retirement asset could affect you.
Pension Plan Retirement Options Use this calculator to help decide between joint survivorship and single survivorship pension options.
Traditional IRA Calculator How can contributing to a regular IRA help you in your retirement?
401(k) Savings Calculator A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.
403(b) Savings Calculator If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement.
457 Savings Calculator A 457 plan can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.
72T Distribution Impact This calculator is designed to examine the affects of 72T distributions on your retirement plan balance.
72T Calculator The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement.
Beneficiary Required Minimum Distributions Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Required Minimum Distributions Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account.
Retirement Income Calculator Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Planner Quickly determine if your retirement plan is on track - and learn how to keep it there.
Retirement Pension Planner Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement Shortfall Calculator 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.
401(k) 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.
Roth IRA Calculator Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA Conversion This calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth vs. Traditional IRA Use this calculator to determine which IRA may be right for you.
Social Security Benefits Use this calculator to estimate your Social Security benefits.
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Tax Calculators
Estate Tax Planning Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability.
Payroll Deductions Use this calculator to help you determine the impact of changing your payroll deductions.
Section 125 Cafeteria Plan Use this calculator to see how participating in your employer's "Section 125 Cafeteria Plan" can help you pay less tax, and increase your net take home pay.
457 Payroll Deductions Use this calculator to help you determine the impact of changing your payroll deductions.
Net to Gross Paycheck Calculator This calculator helps you determine the gross paycheck needed to provide an required net amount.
Hourly Paycheck Calculator Use this calculator to help you determine your paycheck for hourly wages.
1040 Tax Calculator How much in income taxes will you pay? Use this 1040 tax calculator to help determine your tax bill for next April.
U.S. 1040EZ Tax Estimator Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.
Marginal Tax Calculator Use this calculator to determine your marginal and effective tax rates. This calculator sorts through the tax brackets and filing options to calculate your true tax liability.
Self-Employment Taxes If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes.
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Savings Calculators
CD Ladder Calculator Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.
Certificate of Deposit Calculator Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College Savings Use this calculator to help develop or fine tune your education savings plan.
Compound Interest and Your Return This calculator demonstrates how compounding can affect your savings.
Savings Calculator Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Cool Million Find out when your savings plan may make you a millionaire!
Savings Distribution Calculator Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.
Emergency Savings Calculator This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Lunch Savings Calculator Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings Goals What will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes and Inflation Use this calculator to determine how much your savings will be worth with these two important variables in mind.
Benefit of Spending Less Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.
Don't delay your savings! 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.
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Personal Finance
Checkbook Balancer Balance your checkbook with this quick and easy calculator.
Credit Assessment How is your credit? Use this calculator for a quick assessment!
Disability Insurance Use this calculator to determine your disability insurance needs.
Basic Calculator This works just like a pocket calculator.
Basic Financial Calculator This works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.
Home Budget Analyze your budget, see where your money goes and find out where you can improve!
Should my spouse work? This calculator is designed to help you see the financial impact of having either one or two incomes for your household.
Life Insurance Calculator How much life insurance do you really need? Find out here!
Life Expectancy Calculator 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.
Long Term Care Calculator Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense.
Net Worth Calculator This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
Student Budget Calculator This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.
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Business Calculators
Equipment Buy vs. Lease Should you lease your equipment or finance it? Find out with this calculator!
Debt Consolidation Calculator Should your business consolidate its debt? Use this calculator to find out.
Breakeven Analysis Find out how many and what price you must sell your product at to make a profit.
Business Valuation Enter your cash flow information, your cost of capital and your growth rate to determine your business NPV valuation.
Working Capital Needs Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.
Cash Flow Calculator Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business.
Commercial Loan Calculator Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved.
Inventory Analysis Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Profit Margin Calculator This calculator can help you determine the selling price for your products to achieve a desired profit margin.
Financial Ratios This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
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