Personal Finance Tools
	Cash Flow Calculators: How does inflation impact my standard of living? How much am I spending? Should I pay down debt or invest my monthly surplus? How long will my money last with systematic withdrawals? Should my spouse enter the work force? What is my current net worth? What is my projected net worth? What is my current cash flow? What is my projected cash flow? What is the value of reducing or foregoing expenses? College Calculators: How much should I be saving for college? How much will college cost? What are the advantages of the Coverdell ESA? What are the advantages of a 529 College Savings Plan? What is the value of a college education? What are the payments on a parental (PLUS) loan? Should I live at home, on campus, or off campus? Credit Calculators: How long will it take to pay off my credit card(s)? How long until my loan is paid off? What would my loan payments be? Should I lease or purchase an auto? What is the balance on my loan? Should I consolidate my personal debt into a new loan? Re-structuring debts for accelerated payoff Which is better: cash up front or payments over time? What is the impact of making extra payments on my loan? Should I pay off debts or invest? Auto purchase loan versu 0% dealer financing? Home and Mortgage Calculators: How much home can I afford? Should I refinance my home mortgage? Comprehensive mortgage calculator Comparing mortgage terms Should I pay extra points for a lower interest rate? Should I rent or buy a home? Should I convert to a bi-weekly payment schedule? Compare a 'no-cost' versus traditional mortgage What are the tax savings generated by my mortgage? Should I take out a fixed or adjustable rate mortgage? Taxation Calculators: What is my potential estate tax liability? Federal income tax estimator Should I adjust my payroll withholdings? Will my investment interest be deductible? How much self-employment tax will I pay? Capital gains (and losses) tax estimator Compare taxable, tax-deferred and tax-free investment growth How much of my Social Security benefit might be taxable? What are the tax implications of paying interest? Should I itemize or take the standard deduction? Insurance Calculators: How much life insurance do I need? What is my life expectancy? What are my needs for burial and final expenses? How much disability income do I need? What are the chances of becoming disabled? What are my long-term care insurance needs? How much will I earn in my lifetime? What are the tax advantages of an annuity? How long will my current insurance last? Investment Calculators: How should I allocate my assets? Compare taxable versus tax-free investment return What is the value of a bond? What is the return on my real estate investment? What is the value of compound interest? What is the value of a call or put option? Taxable vs. tax-advantaged saving comparison What is my risk tolerance? What is the long-term impact of increased return? Certificate of Deposit (CD) analyzer What is the dividend yield on a stock? Paycheck and Benefits Calculators: How much will my company bonus net after taxes? How will payroll adjustments affect my take-home pay? Convert my salary to an equivalent hourly wage Convert my hourly wage to an equivalent annual salary What is the future value of my employee stock options? Should I exercise my 'in-the-money' stock options? What may my 401(k) be worth? What is the impact of increasing my 401(k) contribution? Qualified Plans Calculators: Evaluate my company pension payout options How much can I contribute to an IRA? How much retirement income can my IRA provide? Should I convert to a Roth IRA? What will my qualified plan be worth at retirement? What is my current year required minimum distribution? What is my projected required minimum distributions? What are my lump-sum distribution options? How do I maximize my employer 401(k) match? What is the impact of borrowing from my 401(k) plan? What is the impact of early withdrawal from my 401(k)? Retirement Calculators: How will retirement impact my living expenses? How much will I need to save for retirement? Are my current retirement savings sufficient? Social Security retirement income estimator How does inflation impact retirement income needs? I'm retired, how long will my savings last? When should I begin saving for retirement? Should I convert discretionary expenses to savings? Savings Calculators: Becoming a millionaire Income generated by a savings plan How long will it take to double my money? How long until my savings reach my goal? Save now vs. save later calculator How much should I save to reach my goal? What will my current savings grow to? Calculate rate of return How do taxes and inflation impact my return? What is my effective annual yield?