Financial Calculators

Note: These calculators require that you have Java installed on your computer. It is available, without charge, at the Sun Microsystems web site. If your browser displays a blank box in the middle of the screen, you need to install this plug-in.

Mortgage Calculators
Adjustable Rate Mortgage Calculator	This calculator helps you to determine what your adjustable mortgage payments will be.
APR Calculator for Adjustable Rate Mortgages	Use this calculator to find the APR on your adjustable rate 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.
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.
Blended Rate Mortgage Calculator	This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of a home.
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.
Interest Only ARM Calculator	Interest only mortgages can provide you with very low monthly payments, however you are not paying off any principal during the interest only period.
Interest Only Mortgage Calculator	Use this calculator to generate an amortization schedule for an interest only mortgage.
Maximum Mortgage	Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage APR Calculator	Use this calculator to find the APR on your mortgage.
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.
Mortgage Debt Consolidation	This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
Mortgage Loan Calculator	Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Loan Calculator (PITI)	Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
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!
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.
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.
Option ARM vs. Fixed Rate Mortgage	Use this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
Refinance Breakeven	Should you refinance your mortgage? Use this calculator to determine when you will breakeven!
Refinance Interest Savings	Use this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. Buy	Are you better off buying your home, or should you continue to rent?
Loan Calculators
Alternative Payment Frequencies	Use this calculator to determine your payment or loan amount for different payment frequencies.
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!
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.
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.
Equity Line of Credit Payments	What will my monthly payments be for an interest only equity line of credit?
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.
Line of Credit Payoff	Use this calculator to see what it will take to pay off your line of credit, and what you can change to meet your repayment goals.
Loan & Credit Line Tax Savings	This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Loan & Line Payment	This calculator helps determine your loan or line payment.
Loan Comparison Calculator	Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.
Loan Prequalification Calculator	Use this calculator as your first step in determining your ability to qualify for a loan.
Credit Cards and Debt Management
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.
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 Minimum Payment Calculator	Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
Credit Card Optimizer	The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
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.
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.
Roll-Down Your Credit Card Debt!	The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
Auto Calculators
Auto Loan Early Payoff	Find out how much interest you can save by increasing your monthly auto loan payment.
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!
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.
Bi-weekly Payments for an Auto Loan	This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
Bi-weekly Payments for an Auto Loan with Fees	This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
Dealer Financing vs. Credit Union Financing	Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.
Home Equity vs. Auto loan	Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. Buy	Should you lease your next automobile or finance it? Find out with this calculator!
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.
Investment Calculators
Annual Stock Option Grants	Use this calculator to project how much a series of annual stock option grants could be worth to you.
Asset Allocator	Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
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.
Municipal Bond Tax Equivalent Yield	Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.
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.
Stock Option Calculator	Use this calculator to determine the value of your stock options for the next one to twenty five years.
Taxable vs. Tax Advantaged Investments	This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.
Retirement Savings and Planning
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 cannot afford to pass up.
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.
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 cannot afford to pass up.
72(t) 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.
72(t) Distribution Impact	This calculator is designed to examine the affects of 72T distributions on your retirement plan balance.
Beneficiary Required Minimum Distributions	Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Company Stock Distribution Analysis Calculator	If you own company stock in a retirement plan you may be able to take advantage of using the long term capital gains tax rate rather than your ordinary income tax rate on this investment.
How Important is Social Security?	Use this calculator to determine how losing this important retirement asset could affect you.
Individual 401(k) Savings Calculator	Use this calculator to see the benefits of an Individual 401(k) for the self-employed.
Pension Plan Retirement Options	Use this calculator to help decide between joint survivorship and single survivorship pension options.
Required Minimum Distribution (RMD)	Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements.
Retirement Contribution Effects on Your Paycheck	Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement.
Retirement Income	Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Pension Planner	Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement Planner	Quickly determine if your retirement plan is on track - and learn how to keep it there.
Retirement Shortfall	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.
RMD & Stretch IRA Calculator	Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
Roth 401(k) or Traditional 401(k)?	Use this calculator to help determine if a Traditional 401(k) or Roth 401(k) might be best for you.
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.
Traditional IRA Calculator	How can contributing to a regular IRA help you in your retirement?
Tax Calculators
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.
457 Payroll Deductions	Use this calculator to help you determine the impact of changing your payroll deductions.
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.
Hourly Paycheck Calculator	Use this calculator to help you determine your paycheck for hourly wages.
Marginal Tax Rate 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.
Net to Gross Paycheck Calculator	This calculator helps you determine the gross paycheck needed to provide an required net amount.
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.
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.
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.
Savings Calculators
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.
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.
Compare Savings Rates	Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!
Compound Interest and Your Return	This calculator demonstrates how compounding can affect your savings.
Cool Million	Find out when your savings plan may make you a millionaire!
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.
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	Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings Calculator	Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Savings Distribution Calculator	Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.
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.
Personal Finance
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.
Checkbook Balancer	Balance your checkbook with this quick and easy calculator.
Credit Assessment	How is your credit? Use this calculator for a quick assessment!
Home Budget Analysis	Analyze your budget, see where your money goes and find out where you can improve!
Life Expectancy	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.
Net Worth	This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
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.
Student Budget	This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.
Insurance Calculators
Comprehensive Life Insurance Analysis	How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out.
Disability Insurance	Use this calculator to determine your disability insurance needs.
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.
Health Savings Account (HSA) Contribution Calculator	This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.
Health Savings Account (HSA) Goal Calculator	Are you looking at the Health Savings Account (HSA) as a retirement account? This calculator will help you determine what you need to do in order to reach your goal.
Health Savings Account (HSA) Savings Calculator	Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time.
Health Savings Accounts (HSA) Employer Benefit	This calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees.
Human Life Value	One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earning.
Immediate Annuity Calculator	Estimate what your monthly payments might be from an immediate annuity.
Life Insurance Calculator	How much life insurance do you really need? Find out here!
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.
Variable Annuity Calculator	How can a variable annuity help you save for retirement? Use this calculator to find out.
Business Calculators
Breakeven Analysis	Find out how many and what price you must sell your product at to make a profit.
Business Debt Consolidation Calculator	Should your business consolidate its debt? Use this calculator to find out.
Business Valuation - Discounted Cash Flow	This tool calculates a business valuation based upon the discounted cash flow methodology - illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value.
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.
Equipment Buy vs. Lease	Should you lease your equipment or finance it? Find out with this calculator!
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.
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.
Working Capital Needs	Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

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