Financial Calculator Gallery Our complete set of calculators is listed below. Feel free to try them out as often as you like. Cash Flow Calculators How does inflation impact my standard of living? How much am I spending? How much do I need for emergencies? Should I pay down debt or invest more? How long will my money last? 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? Value of reducing or foregoing expenses. Historical inflation – Compare purchasing power 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? Do I have too much debt? What is the balance owing on my loan? Should I consolidate my personal debt? Re-structuring debts for accelerated payoff Which is better, cash up front or payments over time? What is the impact of making extra debt payments? Should I pay off debts or invest the money? 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 growth How much of my social security benefit may be taxable? What are the tax implications of paying interest? Should I itemize or take the standard deduction? What is my taxable-equivalent yield? Tax refund estimator Tax freedom day Paycheck & 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 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? What may my 457 Plan be worth? What is the impact of increasing my 457 Plan contribution? Custom Calculators Estimate your credit score Business Calculators Tax savings of a qualified retirement/cafeteria plan Home & Mortgage Calculators How much home can I afford? Should I refinance my home mortgage (breakeven)? Mortgage calculator Comparing mortgage terms (i.e. 15, 20, 30 year) Should I pay discount 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’ vs. traditional mortgage What are the tax savings generated by my mortgage? Which is better, fixed or adjustable-rate mortgage? Adjustable rate mortgage calculator How do closing costs impact the interest rate? Compare an interest-only vs. traditional mortgage How much can I borrow from my home equity (HELOC)? Auto Calculators Should I lease or purchase an auto? Auto purchase – Loan versus 0% dealer financing? What would my auto payments be? Should I upgrade to a more fuel efficient vehicle? Auto loan – Accelerated payoff How much vehicle can I afford?