Calculators Business How many units do I need to sell to break even? Should I lease or buy equipment? Should I pay or charge monthly, quarterly or annually? What are my business financial ratios? What are my new business startup costs? What are the tax savings of a qualified retirement/cafeteria plan? What is my total employee compensation package worth? What is the value of my business?Cash Flow Historical inflation - Compare purchasing power How does inflation impact my standard of living? How long will my money last with systematic withdrawals? How much am I spending? How much do I need for emergencies? Should I pay down debt or invest my monthly surplus? Should my spouse enter the work force? What is my current cash flow? What is my current net worth? What is my projected cash flow? What is my projected net worth? What is the value of reducing, postponing or foregoing expenses?College How much should I be saving for college? Should I live at home, on campus, or off campus? What are the advantages of a 529 college savings plan? What are the advantages of a Coverdell ESA? What are the payments on a parental (PLUS) loan? What is the value of a college education? When should I begin saving for my child's college? Will I be able to pay back my student loans?Credit Do I have too much debt? How long until my loan is paid off? How long will it take to pay off my credit card(s)? Restructuring debts for accelerated payoff Should I consolidate my personal debt into a new loan? Should I pay off debt or invest? What is the balance on my loan? What is the impact of making extra payments on my debt? What would my loan payments be? Which is better: Cash up front or payments over time?Home and Mortgage Adjustable rate mortgage calculator Compare a 'no-cost' vs. traditional mortgage Compare an interest-only vs. traditional mortgage Comparing mortgage terms (i.e. 15, 20, 30 year) How do closing costs impact the interest rate? How much can I borrow from my home equity (HELOC)? How much home can I afford? Mortgage calculator Should I convert to a bi-weekly payment schedule? Should I pay discount points for a lower interest rate? Should I refinance my mortgage? Should I rent or buy a home? What are the tax savings generated by my mortgage? Which is better, fixed or adjustable-rate mortgage?Insurance How long will my current life insurance proceeds last? How much disability income insurance do I need? How much life insurance do I need? How much will I earn in my lifetime? What are my long-term care insurance needs? What are my needs for burial and final expenses? What are the chances of becoming disabled? What are the tax advantages of an annuity? What is my life expectancy? What is the future value of an annuity? Which is better, comprehensive plan or high-deductible plan with HSA?Paycheck and Benefits Convert my hourly wage to an equivalent annual salary Convert my salary to an equivalent hourly wage What may my 401(k) be worth? How much will my company bonus net after taxes? How will payroll adjustments affect my take-home pay? Should I exercise my 'in-the-money' stock options? What is the future value of my employee stock options? What is the impact of increasing my 401(k) contribution? What is the impact of increasing my 403(b) contribution? What is the impact of increasing my 457 Plan contribution? What may my 403(b) Plan be worth? What may my 457 Plan be worth?Qualified Plans Evaluate my company pension payout options How do I maximize my employer 401(k) match? How much can I contribute to an IRA? How much retirement income may my IRA provide? I'm self-employed, how much can I contribute to a retirement plan? Net unrealized appreciation (NUA) vs. IRA rollover? Should I convert to a Roth IRA? What are my lump sum distribution options? What are my Stretch IRA distributions? What is my current year required minimum distribution? What is my projected required minimum distributions? What is the impact of borrowing from my retirement plan? What is the impact of early withdrawal from my 401(k)? What will my qualified plan(s) be worth at retirement?Retirement Are my current retirement savings sufficient? Compare a Roth 401(k) to a Traditional 401(K) How does inflation impact my retirement income needs? How much retirement income may my 401(k) provide? How much will I need to save for retirement? How will retirement impact my living expenses? I'm retired, how long will my savings last? Should I convert discretionary expenses to savings? Social security retirement income estimator When should I begin saving for retirement?Saving How much should I save to reach my goal? Becoming a millionaire Calculate rate of return How do taxes and inflation impact my investment return? How long until my savings reach my goal? How long will it take to double my savings? Income generated by a savings plan Save now vs. save later What could my current savings grow to? What is the effective annual yield on my investment?