Calculators
Although not a substitute for working with a financial advisor, financial planning calculators can help investors make better-informed decisions. Choose the topic you are interested in and try out one—or many—of our calculators.
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401(k) and 403(b) Plans | |||
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401(k) Savings Calculator
Use this calculator to see why this is a retirement savings plan you cannot afford to pass up.
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401(k) Spend It or Save It Calculator
There are several ways to manage your 401(k) when you leave an employer. The wrong decision can cost you thousands of dollars.
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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.
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Creating an Investment Portfolio | |||
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Asset Allocator
Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
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College Funding Options Analyzer
This tool will help determine eligibility for popular college-funding options.
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Determining How Much to Save for College | |||
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College Savings Analyzer
This calculator estimates a child's future college costs and calculates the monthly and annual savings required to meet those costs.
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Estate Planning Basics | |||
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Federal Estate Tax Estimator
This calculator provides an estimate of federal estate taxes due for deaths occurring through 2013.
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Evaluating College Savings Options | |||
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College Funding Options Analyzer
This tool will help determine eligibility for popular college-funding options.
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General Tax Planning | |||
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Muni Bond Tax Equivalent Calculator
Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.
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IRAs | |||
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72(t) Calculator
This tool explains the basic rules governing distributions from retirement plans and calculates substantially equal periodic payments using the three IRS-prescribed methods.
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72(t) Distribution Impact Calculator
This tool calculates the impact of an early payout plan to help assure that you will not prematurely deplete your retirement accounts.
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RMD & Stretch IRA Calculator
Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
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Roth IRA Calculator
Use this calculator to compare the Roth IRA to an ordinary taxable investment.
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Roth IRA Conversion
This calculator will show the advantage, if any, of converting your IRA to a Roth.
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Roth IRA Future Value Calculator
This calculator will estimate and chart the future value of a tax-deferred Roth IRA.
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Roth v Traditional IRA Calculator
Use this calculator to determine which IRA may be right for you.
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Traditional IRA Calculator
How can contributing to a regular IRA help you in your retirement?
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Traditional IRA Future Value Calculator
This calculator will estimate and chart the future value of a tax-deferred traditional IRA.
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Traditional IRA Required Minimum Distribution Illustrator
This tool calculates the required minimum distribution (RMD) amounts for a traditional IRA.
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Investment Planning Basics | |||
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Benefit of Spending Less
Use this calculator to see just how much your budget reductions may be worth, if you were to invest them.
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Consumer Price Index Inflation Calculator
This calculator uses the average Consumer Price Index for a given year to illustrate changes in purchasing power over a specified period.
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Growth of Annual Deposits Calculator
Use this tool to calculate and chart the future value of annual deposits.
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Life Insurance | |||
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Life Insurance Needs Analyzer
This worksheet is designed to estimate the right amount of life insurance protection to meet survivor needs.
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Medicare and Medicaid | |||
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Should You Buy Long-Term Care Insurance (LTCI)?
We'll help you decide if you should consider an LTCI policy.
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Retirement Planning | |||
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Net Worth Calculator
List the total market values of assets and the total balances due for liabilities.
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Personal Cash Flow Worksheet
Use this calculator to determine household cash flow.
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Retirement Income Calculator
Calculates how much monthly income your retirement savings may provide you in your retirement.
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Retirement Planner Calculator
Quickly determine if your retirement plan is on track — and learn how to keep it there.
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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 retirement savings plan.
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Social Security | |||
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Disability Income Needs Worksheet
This worksheet is designed to help you determine if you have enough disability insurance protection for your family.
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Social Security Disability Insurance (SSDI): Awards and Applications Illustrator
This tool will chart SSDI benefit awards as a percentage of the applications made for each year.
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What Are Your Chances of Becoming Disabled?
Statistics show that you are more likely to become disabled than to die before retirement.
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Tax Credits and Deductions | |||
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Is my home mortgage interest fully deductible?
Use this tool to determine whether your home mortgage interest is fully deductible or subject to limitations.
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