Tools and Resources Calculators Guide
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Budgeting
How much am I spending?
How much can I borrow?
Should I pay off debt or invest in savings?
What will it take to pay off my balance?
How much should I set aside for emergencies?
How much will it cost to raise a child?
What's it worth to reduce my spending?
Should my spouse work too?


Credit Card
How Important is the interest rate?
How will rate changes affect my balance?
Is a lower rate worth the annual fee?
What will it take to pay off my balance?
Should I consolidate my debts?
Which is better: flight card or low rate card?
Which is better: rebate card or low rate card?
Should I consolidate my credit cards?


College Planning
What will it take to save for a college education?
What is the value of higher education?
What investments can I use to save for college?
What expenses do I face prior to attending college?
Should I live on campus, off campus, or at home?
How much should I budget for college living expenses?
Is a meal plan a good deal?


Home Ownership
How much can I borrow?
How much will my mortgage payments be?
How much will my adjustable rate payments be?
Which is better: fixed or adjustable?
Should I pay points to lower the rate?
Which is better: 15- or 30- year loan term?
How much should I put down for a new home?
How much can I save in taxes?
What will my closing costs be?
Am I better off renting?
Am I better off refinancing?
What will my refinancing costs be?
How can I reduce mortgage insurance costs?
Which lender has the better loan?
Which loan is better?
How advantageous are extra payments?
What home can I afford?


Life Insurance
How much life insurance do I need?
What is my return on a whole life policy?
What is my return on a universal life policy?
What is my return on a variable life policy?
Which is better: term or whole Life?
Which is better: term or universal Life?
Which is better: term or variable life?

Paycheck Planning
How do 401(k) salary deductions affect my take-home pay?
How much is my take-home pay as a salaried employee?
How much is my take-home pay as an hourly employee?
How much of my bonus do I keep after income taxes?
How much are my employee stock options worth today?
What is my take-home pay if I also earn tip income?

Retirement
How will retirement affect my expenses?
Am I saving enough? What can I change?
How will this account be used?
What will I earn with this account?
How advantageous is increasing my savings?
Which savings or income source will be the largest?
How much can I invest before taxes each year?
What if I underestimate my expenses?
What will my income be after I retire?
What will my expenses be after I retire?
What happens if tax laws change?
How much of an effect can inflation have?
Which savings should be used first?
How much will Social Security provide after retirement?
What if Social Security no longer exists?

IRAs
Which will provide the most retirement income?
How will changes in my tax rate affect the decision?
What option is best for estate planning?
How do return rates affect my retirement income?
When should I begin saving?
How will a large withdrawal affect the decision?
Should I convert my IRA into a Roth IRA?
How much may I contribute to an IRA?

Savings
What will it take to become a millionaire?
How much will my savings be worth?
What will it take to save for a vehicle, home, etc.?
What will it take to save for a college education?
How will taxes and inflation affect my savings?
How much of a difference will the rate make?
What's it worth to reduce my spending?
How much, at what rate, when?
Which is better: cash or payments?
How much will my CD be worth at maturity?

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