Financial Planning Calculators by derong123

VIEWS: 13 PAGES: 5

									                                       Latrobe Financial Management
                                            Financial Planning Calculators
                                                   Retirement Savings & Planning
401(k) Net Unrealized               If you own company stock in a retirement plan you may be able to take advantage of using the long term capital
Appreciation vs. Rollover           gains tax rate rather than your ordinary income tax rate on this investment.

401(k) Savings Calculator           A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a
                                    retirement savings plan you can not afford to pass up.

401(k) Spend It or Save It          There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can
Calculator                          cost you thousands of dollars both in taxes and lost earnings.

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.

457 Savings Calculator              A 457 plan can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a
                                    retirement savings plan you can not afford to pass up.

72(t) Calculator                    The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to
                                    determine your allowable 72T Distribution and how it can help fund your early retirement.

72(t) Distribution Impact           This calculator is designed to examine the affects of 72T distributions on your retirement plan balance.

Beneficiary Required Minimum        Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement
Distributions                       account.

How Important is Social             Use this calculator to determine how losing this important retirement asset could affect you.
Security?
Pension Plan Retirement Options Use this calculator to help decide between joint survivorship and single survivorship pension options.
Required Minimum                    Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a
Distributions                       retirement account.

Retirement Contribution Effects     Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your
on Your Paycheck                    paycheck as well as your retirement.

Retirement Income                   Use this calculator to determine how much monthly income your retirement savings may provide you in your
                                    retirement.

Retirement Pension Planner          Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.

Retirement Planner                  Quickly determine if your retirement plan is on track - and learn how to keep it there.

Retirement Shortfall                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 current retirement savings plan.

RMD & Stretch IRA Calculator        Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as
                                    possible.

Roth 401(k) or Traditional          Starting in 2006, you may have the option to contribute to Roth 401(k). Use this calculator to help determine if
401(k)?                             a Traditional 401(k) or Roth 401(k) might be best for you.

Roth IRA Calculator                 Use this calculator to compare the Roth IRA to an ordinary taxable investment.

Roth IRA Conversion                 This calculator will show the advantage, if any, of converting your IRA to a Roth.

Roth vs. Traditional IRA            Use this calculator to determine which IRA may be right for you.

Social Security Benefits            Use this calculator to estimate your Social Security benefits.
Traditional IRA Calculator          How can contributing to a regular IRA help you in your retirement?


                                                               Personal Finance
Basic Calculator                    This works just like a pocket calculator.

Basic Financial Calculator          This works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value,
                                    future value, payments or number or periods.

Checkbook Balancer                  Balance your checkbook with this quick and easy calculator.

Credit Assessment                   How is your credit? Use this calculator for a quick assessment!

Home Budget                         Analyze your budget, see where your money goes and find out where you can improve!

Life Expectancy                     This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender
                                    and several other important lifestyle choices.

Net Worth                           This calculator helps you determine your net worth. It also estimates how your net worth could grow (or
                                    shrink!) over the next ten years.

Should my spouse work?              This calculator is designed to help you see the financial impact of having either one or two incomes for your
                                    household.

Student Budget                      This calculator is specifically designed to help students understand their expenses and income while attending a
                                    university, college or other full-time educational institution.



Annual Stock Option Grants          Use this calculator to project how much a series of annual stock option grants could be worth to you.

Asset Allocator                     Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds
                                    and cash.

Future Contracts Calculator         Use this calculator to determine the number of futures contracts you may wish to purchase based on your
                                    account equity and trading plan.

Investment Loan                     This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using
                                    debt as leverage to purchase investments can magnify your return. The downside is that you also increase your
                                    risk.

Investment Returns                  There is more to investing than knowing your annual rate of return. Use this calculator to help you see how
                                    inflation, taxes and your time horizon can impact your bottom line.

Municipal Bond Tax Equivalent       Income generated from municipal bond coupon payments are not subject to Federal income tax and often are
Yield                               exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.

Mutual Fund Expense Calculator This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a
                               few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating
                               expenses on your investment.

Stock Option Calculator             Use this calculator to determine the value of your stock options for the next one to twenty five years.

Taxable vs. Tax Advantaged          This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free
Investments                         investment.


                                                          Investment Calculators
Benefit of Spending Less            Reducing your spending can be worth more than you might think. Use this calculator to see just how much
                                    your budget reductions may be worth.

CD Ladder Calculator                Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different
                                    maturities, also called a CD Ladder.

Certificate of Deposit Calculator   Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).

College Savings                     Use this calculator to help develop or fine tune your education savings plan.

Compare Savings Rates               Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to
                                    see how different savings rates can impact your savings strategy!

Compound Interest and Your          This calculator demonstrates how compounding can affect your savings.
Return
Cool Million                        Find out when your savings plan may make you a millionaire!

Don't Delay Your Savings!           Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how
                                   much postponing your savings plan can really cost.

Emergency Savings Calculator       This calculator helps you determine how much emergency savings you may need, and how you can begin
                                   saving toward this important goal.

Lunch Savings                      Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.

Savings Calculator                 Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Savings Distribution Calculator    Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.

Savings Goals                      What will it take to reach your savings goal? This financial calculator helps you find out.

Savings, Taxes, and Inflation      Use this calculator to determine how much your savings will be worth with these two important variables in
                                   mind.



1040 Tax Calculator                How much in income taxes will you pay? Use this 1040 tax calculator to help determine your tax bill for next
                                   April.

457 Payroll Deductions             Use this calculator to help you determine the impact of changing your payroll deductions.

Estate Tax Planning                Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to
                                   estimate your estate tax liability.

Hourly Paycheck Calculator         Use this calculator to help you determine your paycheck for hourly wages.

Marginal Tax Calculator            Use this calculator to determine your marginal and effective tax rates. This calculator sorts through the tax
                                   brackets and filing options to calculate your true tax liability.

Net to Gross Paycheck              This calculator helps you determine the gross paycheck needed to provide an required net amount.
Calculator
Payroll Deductions                 Use this calculator to help you determine the impact of changing your payroll deductions.

Section 125 Cafeteria Plan         Use this calculator to see how participating in your employer's "Section 125 Cafeteria Plan" can help you pay
                                   less tax, and increase your net take home pay.

Self-Employment Taxes              If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-
                                   employment taxes.

U.S. 1040EZ Tax Estimator          Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes.
                                   Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.


                                                           Savings Calculators
Adjustable Rate Mortgage           This calculator helps you to determine what your adjustable mortgage payments will be.
Calculator
APR Calculator for Adjustable      Use this calculator to find the APR on your adjustable rate mortgage.
Rate Mortgages
ARM vs. Fixed Rate Mortgage        Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an
                                   Interest Only ARM.

Balloon Mortgages                  A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon
                                   mortgage might fit your needs.

Bi-weekly Payment Calculator       Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this
                                   calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.

Bi-weekly Payments for an          This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly
Existing Mortgage                  payments, instead of monthly payments.

Blended Rate Mortgage              This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and
Calculator                         a second mortgage to finance the purchase of a home.

Fixed Rate Mortgage vs. Interest   Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Only Mortgage
Fixed Rate Mortgage vs. LIBOR      Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
ARM
Interest Only ARM Calculator       Interest only mortgages can provide you with very low monthly payments, however you are not paying off any
                                   principal during the interest only period.

Interest Only Mortgage             Use this calculator to generate an amortization schedule for an interest only mortgage.
Calculator
Maximum Mortgage                Use this calculator to determine your maximum mortgage and how different interest rates affect your how
                                much you can borrow.

Mortgage APR Calculator         Use this calculator to find the APR on your mortgage.

Mortgage comparison: 15 years   Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for
vs. 30 years                    you.

Mortgage Debt Consolidation     This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for
                                you.

Mortgage Loan Calculator        Use this calculator to determine your monthly payment and amortization schedule.

Mortgage Loan Calculator        Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI)
(PITI)                          and amortization schedule.

Mortgage Payoff                 Save thousands of dollars in interest by increasing your monthly mortgage payment.

Mortgage Points Calculator      Should you buy points? Use this calculator to find out.

Mortgage Qualifier              Can you buy your dream home? Find out just how much you can afford!

Mortgage Required Income        Use this calculator to determine how much income you need to qualify for a mortgage and how different
                                interest rates affect your required income.

Mortgage Tax Savings            Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much
Calculator                      your mortgage could save you in income taxes.

Option ARM vs. Fixed Rate       Use this calculator see how a the minimum payment on an Option ARM Mortgage can save you money on
Mortgage                        your monthly mortgage payment.

Refinance Breakeven             Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Refinance Interest Savings      Use this calculator to see how much interest you can save by refinancing your mortgage!

Rent vs. Buy                    Are you better off buying your home, or should you continue to rent?


                                                                    Taxes
1040 Tax Calculator             How much in income taxes will you pay? Use this 1040 tax calculator to help determine your tax bill for next
                                April.

457 Payroll Deductions          Use this calculator to help you determine the impact of changing your payroll deductions.

Estate Tax Planning             Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to
                                estimate your estate tax liability.

Hourly Paycheck Calculator      Use this calculator to help you determine your paycheck for hourly wages.

Marginal Tax Calculator         Use this calculator to determine your marginal and effective tax rates. This calculator sorts through the tax
                                brackets and filing options to calculate your true tax liability.

Net to Gross Paycheck           This calculator helps you determine the gross paycheck needed to provide an required net amount.
Calculator
Payroll Deductions              Use this calculator to help you determine the impact of changing your payroll deductions.

Section 125 Cafeteria Plan      Use this calculator to see how participating in your employer's "Section 125 Cafeteria Plan" can help you pay
                                less tax, and increase your net take home pay.

Self-Employment Taxes           If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-
                                employment taxes.

U.S. 1040EZ Tax Estimator       Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes.
                                Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.


                                                       Mortgage Calculators
Adjustable Rate Mortgage        This calculator helps you to determine what your adjustable mortgage payments will be.
Calculator
APR Calculator for Adjustable   Use this calculator to find the APR on your adjustable rate mortgage.
Rate Mortgages
ARM vs. Fixed Rate Mortgage     Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an
                                Interest Only ARM.
Balloon Mortgages                  A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon
                                   mortgage might fit your needs.

Bi-weekly Payment Calculator       Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this
                                   calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.

Bi-weekly Payments for an          This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly
Existing Mortgage                  payments, instead of monthly payments.

Blended Rate Mortgage              This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and
Calculator                         a second mortgage to finance the purchase of a home.

Fixed Rate Mortgage vs. Interest   Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Only Mortgage
Fixed Rate Mortgage vs. LIBOR      Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
ARM
Interest Only ARM Calculator       Interest only mortgages can provide you with very low monthly payments, however you are not paying off any
                                   principal during the interest only period.

Interest Only Mortgage             Use this calculator to generate an amortization schedule for an interest only mortgage.
Calculator
Maximum Mortgage                   Use this calculator to determine your maximum mortgage and how different interest rates affect your how
                                   much you can borrow.

Mortgage APR Calculator            Use this calculator to find the APR on your mortgage.

Mortgage comparison: 15 years      Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for
vs. 30 years                       you.

Mortgage Debt Consolidation        This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for
                                   you.

Mortgage Loan Calculator           Use this calculator to determine your monthly payment and amortization schedule.

Mortgage Loan Calculator           Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI)
(PITI)                             and amortization schedule.

Mortgage Payoff                    Save thousands of dollars in interest by increasing your monthly mortgage payment.

Mortgage Points Calculator         Should you buy points? Use this calculator to find out.

Mortgage Qualifier                 Can you buy your dream home? Find out just how much you can afford!

Mortgage Required Income           Use this calculator to determine how much income you need to qualify for a mortgage and how different
                                   interest rates affect your required income.

Mortgage Tax Savings               Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much
Calculator                         your mortgage could save you in income taxes.

Option ARM vs. Fixed Rate          Use this calculator see how a the minimum payment on an Option ARM Mortgage can save you money on
Mortgage                           your monthly mortgage payment.

Refinance Breakeven                Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Refinance Interest Savings         Use this calculator to see how much interest you can save by refinancing your mortgage!

Rent vs. Buy                       Are you better off buying your home, or should you continue to rent?

								
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