Investment Tools

  • Automotive

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

    Business

    • How many units do I need to sell to break even?
    • Should I lease or buy equipment?
    • Should I pay or charge monthly, quarterly or annually?
    • What are my business financial ratios?
    • What are my new business startup costs?
    • What are the tax savings of a qualified retirement/cafeteria plan?
    • What is my total employee compensation package worth?
    • What is the value of my business?

    Cash Flow

    • Historical inflation - Compare purchasing power
    • 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 a Coverdell ESA?
    • What are the payments on a parental (PLUS) loan?
    • What is the value of a college education?
    • When should I begin saving for my child's college?
    • Will I be able to pay back my student loans?

    Credit

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

    Home and Mortgage

    • Adjustable rate mortgage calculator
    • Compare a 'no-cost' vs. traditional mortgage
    • Compare an interest-only vs. traditional mortgage
    • Comparing mortgage terms (i.e. 15, 20, 30 year)
    • How do closing costs impact the interest rate?
    • How much can I borrow from my home equity (HELOC)?
    • How much home can I afford?
    • Mortgage calculator
    • 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?
    • What are the tax savings generated by my mortgage?
    • Which is better, fixed or adjustable-rate mortgage?

    Insurance

    • How long will my current life insurance proceeds last?
    • How much disability income insurance do I need?
    • How much life insurance do I need?
    • How much will I earn in my lifetime?
    • What are my long-term care insurance needs?
    • What are my needs for burial and final expenses?
    • What are the chances of becoming disabled?
    • What are the tax advantages of an annuity?
    • What is my life expectancy?
    • What is the future value of an annuity?
    • Which is better, comprehensive plan or high-deductible plan with HSA?

    Investments

    • Certificate of deposit (CD) laddering strategy
    • Certificate of deposit (CD) analyzer
    • Compare taxable vs. tax-free investment return
    • How do expenses impact mutual fund returns?
    • How should I allocate my assets?
    • Share Certificate analyzer
    • Share Certificate laddering strategy
    • Taxable vs. tax-advantaged 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 and Benefits

    • Convert my hourly wage to an equivalent annual salary
    • Convert my salary to an equivalent hourly wage
    • What may my 401(k) be worth?
    • 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 is the impact of increasing my 403(b) contribution?
    • What is the impact of increasing my 457 Plan contribution?
    • What may my 403(b) Plan be worth?
    • What may my 457 Plan 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?
    • I'm self-employed, how much can I contribute to a retirement plan?
    • Net unrealized appreciation (NUA) vs. IRA rollover?
    • Should I convert to a Roth IRA?
    • What are my lump sum distribution options?
    • What are my Stretch IRA distributions?
    • What is my current year required minimum distribution?
    • What is my projected required minimum distributions?
    • What is the impact of borrowing from my retirement 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 a 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

    • How much should I save to reach my goal?
    • 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?
    • 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?

    Taxes

    • Tax refund estimator
    • Federal income tax estimator
    • Capital gains (losses) tax estimator
    • Compare taxable, tax-deferred, and tax-free investment growth
    • How much of my social security benefit may be taxed?
    • How much self-employment tax will I pay?
    • Should I adjust my payroll withholdings?
    • Should I itemize or take the standard deduction?
    • Tax freedom day
    • What are the tax implications of paying interest?
    • What is my potential estate tax liability?
    • What is my tax-equivalent yield?
    • Will my investment interest be deductible?