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Eagle Wealth Management Group Inc. (“Eagle Wealth”) is a federally registered investment advisor with the Securities and Exchange Commission. The information provided by Eagle Wealth, or any portion thereof, may not be copied or distributed without Eagle Wealth’s prior written approval. All statements are current as of the date written and do not constitute an offer or solicitation to any person in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it would be unlawful to make such offer or solicitation. The standard fee schedules for Eagle Wealth strategies are shown in the firm’s Form ADV Part 2.

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Bi-Weekly Mortgage Payments

There is a way to potentially accelerate your mortgage payoff using a method called Bi-Weekly Mortgage Payments. This program is implemented by dividing your monthly mortgage payment in half and paying it every other week. Use this calculator to compare hypothetical pay-off schedules.

Loan Information

Original loan amount ($)

loanAmountSlide = document.getElementById('loanAmountSlide');noUiSlider.create(loanAmountSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'loanAmountLabel' }],start: [ document.getElementById('loanAmount').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});loanAmountSlideValueElement = document.getElementById('loanAmount');document.getElementById('loanAmount').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;loanAmountSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});loanAmountSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){loanAmountSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual interest rate (0% to 40%)

interestRateSlide = document.getElementById('interestRateSlide');noUiSlider.create(interestRateSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'interestRateLabel' }],start: [ document.getElementById('interestRate').value.replace('%', '') ], step: 0.125,connect: [true, false], range: {'min': [0],'max': [40]},format: wNumb({decimals: 3,postfix: '%',})});interestRateSlideValueElement = document.getElementById('interestRate'); interestRateSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ interestRateSlideValueElement.value = values[handle];}}); document.getElementById('interestRate').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;interestRateSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Number of months (30yrs=360) (1 to 480)

termMonthsSlide = document.getElementById('termMonthsSlide');noUiSlider.create(termMonthsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'termMonthsLabel' }],start: [ document.getElementById('termMonths').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 480]},format: wNumb({decimals: 0})});termMonthsSlideValueElement = document.getElementById('termMonths');document.getElementById('termMonths').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;termMonthsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});termMonthsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){termMonthsSlideValueElement.value = thousandSeparator(values[handle]);}});

Number of payments made: 3 yrs = 36 pymts (0 to 999)

paymentMadeSlide = document.getElementById('paymentMadeSlide');noUiSlider.create(paymentMadeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'paymentMadeLabel' }],start: [ document.getElementById('paymentMade').value.replace(",", "")],step: 50,connect: [true, false],range: {'min': [0],'max': [ 999]},format: wNumb({decimals: 0})});paymentMadeSlideValueElement = document.getElementById('paymentMade');document.getElementById('paymentMade').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;paymentMadeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});paymentMadeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){paymentMadeSlideValueElement.value = thousandSeparator(values[handle]);}});

This is a hypothetical example used for illustrative purposes only. Actual results will vary.

Calculators For Websites

Comparing Mortgage Terms

Different mortgage terms and rates can make selecting a mortgage confusing. Use this calculator to help determine the total cost of various mortgage alternatives taking into account the opportunity cost of your money.

Loan Amount

Amount of loan ($)

Mortgage Alternatives and Assumptions

	Loan1 (1 to 40)	Loan2 (1 to 40)	Loan3 (1 to 40)
Term (in years)	(in years) Loan1" styleid="termYears1" aria-describedby="termYears1ValidationMessage" aria-required="true" type="text" onfocus="clearInput(this.id)" onblur="checkBlank(this.id); if (!ValidateInteger(this, 1, 40, '15', 2)) {this.focus();this.select();}" value="15" size="8">	(in years) Loan2" styleid="termYears2" aria-describedby="termYears2ValidationMessage" aria-required="true" type="text" onfocus="clearInput(this.id)" onblur="checkBlank(this.id); if (!ValidateInteger(this, 1, 40, '20', 2)) {this.focus();this.select();}" value="20" size="8">	(in years) Loan3" styleid="termYears3" aria-describedby="termYears3ValidationMessage" aria-required="true" type="text" onfocus="clearInput(this.id)" onblur="checkBlank(this.id); if (!ValidateInteger(this, 1, 40, '30', 2)) {this.focus();this.select();}" value="30" size="8">
Annual interest rate

Comparison Assumptions

Comparison options/cost of money help

Tipped.create("#comparisonRateHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

Cost only (0%)Inflation (3.5%)Specify (below)

(0% to 40%)

overrideRateSlide = document.getElementById('overrideRateSlide');noUiSlider.create(overrideRateSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'overrideRateLabel' }],start: [ document.getElementById('overrideRate').value.replace('%', '') ], step: 0.125,connect: [true, false], range: {'min': [0],'max': [40]},format: wNumb({decimals: 3,postfix: '%',})});overrideRateSlideValueElement = document.getElementById('overrideRate'); overrideRateSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ overrideRateSlideValueElement.value = values[handle];}}); document.getElementById('overrideRate').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;overrideRateSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Marginal tax bracket (0% to 75%) help

Tipped.create("#taxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

taxBracketSlide = document.getElementById('taxBracketSlide');noUiSlider.create(taxBracketSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'taxBracketLabel' }],start: [ document.getElementById('taxBracket').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [75]},format: wNumb({decimals: 3,postfix: '%',})});taxBracketSlideValueElement = document.getElementById('taxBracket'); taxBracketSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ taxBracketSlideValueElement.value = values[handle];}}); document.getElementById('taxBracket').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;taxBracketSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Years to compare total costs: (1 to 30)

comparisonYearSlide = document.getElementById('comparisonYearSlide');noUiSlider.create(comparisonYearSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'comparisonYearLabel' }],start: [ document.getElementById('comparisonYear').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 30]},format: wNumb({decimals: 0})});comparisonYearSlideValueElement = document.getElementById('comparisonYear');document.getElementById('comparisonYear').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;comparisonYearSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});comparisonYearSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){comparisonYearSlideValueElement.value = thousandSeparator(values[handle]);}});

This is a hypothetical example used for illustrative purposes only. Actual results will vary.

Calculators For Websites

Can I Refinance My Mortgage?

With interest rates near historic lows, many people have refinanced their mortgages. Does refinancing make sense for you? Use this calculator to help analyze your situation.

Current Loan Information

Current loan balance ($)

Annual interest rate (0% to 40%)

Number of months remaining (1 to 480)

currentTermSlide = document.getElementById('currentTermSlide');noUiSlider.create(currentTermSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'currentTermLabel' }],start: [ document.getElementById('currentTerm').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 480]},format: wNumb({decimals: 0})});currentTermSlideValueElement = document.getElementById('currentTerm');document.getElementById('currentTerm').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;currentTermSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});currentTermSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){currentTermSlideValueElement.value = thousandSeparator(values[handle]);}});

Current payment (optional) ($)

monthlyMortgageSlide = document.getElementById('monthlyMortgageSlide');noUiSlider.create(monthlyMortgageSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'monthlyMortgageLabel' }],start: [ document.getElementById('monthlyMortgage').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});monthlyMortgageSlideValueElement = document.getElementById('monthlyMortgage');document.getElementById('monthlyMortgage').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;monthlyMortgageSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});monthlyMortgageSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){monthlyMortgageSlideValueElement.value = thousandSeparator(values[handle]);}});

Proposed Loan Information

Annual interest rate on new mortgage (0% to 40%)

refinanceRateSlide = document.getElementById('refinanceRateSlide');noUiSlider.create(refinanceRateSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'refinanceRateLabel' }],start: [ document.getElementById('refinanceRate').value.replace('%', '') ], step: 0.125,connect: [true, false], range: {'min': [0],'max': [40]},format: wNumb({decimals: 3,postfix: '%',})});refinanceRateSlideValueElement = document.getElementById('refinanceRate'); refinanceRateSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ refinanceRateSlideValueElement.value = values[handle];}}); document.getElementById('refinanceRate').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;refinanceRateSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Number of months (30yrs=360) (1 to 480)

refinanceTermSlide = document.getElementById('refinanceTermSlide');noUiSlider.create(refinanceTermSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'refinanceTermLabel' }],start: [ document.getElementById('refinanceTerm').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 480]},format: wNumb({decimals: 0})});refinanceTermSlideValueElement = document.getElementById('refinanceTerm');document.getElementById('refinanceTerm').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;refinanceTermSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});refinanceTermSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){refinanceTermSlideValueElement.value = thousandSeparator(values[handle]);}});

Loan origination fee (0% to 5%)

originationFeeSlide = document.getElementById('originationFeeSlide');noUiSlider.create(originationFeeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'originationFeeLabel' }],start: [ document.getElementById('originationFee').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [5]},format: wNumb({decimals: 3,postfix: '%',})});originationFeeSlideValueElement = document.getElementById('originationFee'); originationFeeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ originationFeeSlideValueElement.value = values[handle];}}); document.getElementById('originationFee').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;originationFeeSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Other fees/discount points (0% to 5%)

discountPointsSlide = document.getElementById('discountPointsSlide');noUiSlider.create(discountPointsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'discountPointsLabel' }],start: [ document.getElementById('discountPoints').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [5]},format: wNumb({decimals: 3,postfix: '%',})});discountPointsSlideValueElement = document.getElementById('discountPoints'); discountPointsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ discountPointsSlideValueElement.value = values[handle];}}); document.getElementById('discountPoints').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;discountPointsSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Other fees ($)

refinanceFeesSlide = document.getElementById('refinanceFeesSlide');noUiSlider.create(refinanceFeesSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'refinanceFeesLabel' }],start: [ document.getElementById('refinanceFees').value.replace(",", "")],step: 100,connect: [true, false],range: {'min': [0],'max': [ 15000]},format: wNumb({decimals: 0})});refinanceFeesSlideValueElement = document.getElementById('refinanceFees');document.getElementById('refinanceFees').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;refinanceFeesSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});refinanceFeesSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){refinanceFeesSlideValueElement.value = thousandSeparator(values[handle]);}});

Include closing costs in loan amount?

NoYes

This is a hypothetical example used for illustrative purposes only. The calculator assumes your mortgage is eligible for refinancing. Actual results will vary.

Calculators For Websites

How Much Home Can I Afford?

When buying a home, mortgage lenders may look your income, assets, and down payment. They also may look at your liabilities and obligations, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. Use this calculator to help estimate how much of a mortgage you may be able to obtain.

Income and Debt Obligations

Current combined annual income ($)

combinedIncomeSlide = document.getElementById('combinedIncomeSlide');noUiSlider.create(combinedIncomeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'combinedIncomeLabel' }],start: [ document.getElementById('combinedIncome').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 300000]},format: wNumb({decimals: 0})});combinedIncomeSlideValueElement = document.getElementById('combinedIncome');document.getElementById('combinedIncome').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;combinedIncomeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});combinedIncomeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){combinedIncomeSlideValueElement.value = thousandSeparator(values[handle]);}});

Monthly child support payments ($)

childSupportSlide = document.getElementById('childSupportSlide');noUiSlider.create(childSupportSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'childSupportLabel' }],start: [ document.getElementById('childSupport').value.replace(",", "")],step: 5,connect: [true, false],range: {'min': [0],'max': [ 5000]},format: wNumb({decimals: 0})});childSupportSlideValueElement = document.getElementById('childSupport');document.getElementById('childSupport').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;childSupportSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});childSupportSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){childSupportSlideValueElement.value = thousandSeparator(values[handle]);}});

Monthly auto payments ($)

autoPaymentsSlide = document.getElementById('autoPaymentsSlide');noUiSlider.create(autoPaymentsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'autoPaymentsLabel' }],start: [ document.getElementById('autoPayments').value.replace(",", "")],step: 5,connect: [true, false],range: {'min': [0],'max': [ 5000]},format: wNumb({decimals: 0})});autoPaymentsSlideValueElement = document.getElementById('autoPayments');document.getElementById('autoPayments').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;autoPaymentsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});autoPaymentsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){autoPaymentsSlideValueElement.value = thousandSeparator(values[handle]);}});

Monthly credit card payments ($)

ccPaymentsSlide = document.getElementById('ccPaymentsSlide');noUiSlider.create(ccPaymentsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'ccPaymentsLabel' }],start: [ document.getElementById('ccPayments').value.replace(",", "")],step: 50,connect: [true, false],range: {'min': [0],'max': [ 10000]},format: wNumb({decimals: 0})});ccPaymentsSlideValueElement = document.getElementById('ccPayments');document.getElementById('ccPayments').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;ccPaymentsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});ccPaymentsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ccPaymentsSlideValueElement.value = thousandSeparator(values[handle]);}});

Monthly association fees ($)

associationFeesSlide = document.getElementById('associationFeesSlide');noUiSlider.create(associationFeesSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'associationFeesLabel' }],start: [ document.getElementById('associationFees').value.replace(",", "")],step: 5,connect: [true, false],range: {'min': [0],'max': [ 2000]},format: wNumb({decimals: 0})});associationFeesSlideValueElement = document.getElementById('associationFees');document.getElementById('associationFees').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;associationFeesSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});associationFeesSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){associationFeesSlideValueElement.value = thousandSeparator(values[handle]);}});

Other monthly obligations
(not including current mortgage payment) ($)

otherObligationsSlide = document.getElementById('otherObligationsSlide');noUiSlider.create(otherObligationsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'otherObligationsLabel' }],start: [ document.getElementById('otherObligations').value.replace(",", "")],step: 5,connect: [true, false],range: {'min': [0],'max': [ 5000]},format: wNumb({decimals: 0})});otherObligationsSlideValueElement = document.getElementById('otherObligations');document.getElementById('otherObligations').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;otherObligationsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});otherObligationsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){otherObligationsSlideValueElement.value = thousandSeparator(values[handle]);}});

New Loan Assumptions

Annual interest rate on new mortgage (0% to 40%)

mortgageRateSlide = document.getElementById('mortgageRateSlide');noUiSlider.create(mortgageRateSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'mortgageRateLabel' }],start: [ document.getElementById('mortgageRate').value.replace('%', '') ], step: 0.125,connect: [true, false], range: {'min': [0],'max': [40]},format: wNumb({decimals: 3,postfix: '%',})});mortgageRateSlideValueElement = document.getElementById('mortgageRate'); mortgageRateSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ mortgageRateSlideValueElement.value = values[handle];}}); document.getElementById('mortgageRate').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;mortgageRateSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Term of new mortgage (years)

NoYes Annual earned income ($)

Age at end of year

This worksheet provides estimates based on certain assumptions. It is not intended to provide specific investment advice. The results are not a guarantee of performance. The rate of return on investments will vary over time, particularly for longer-term investments. Investments that offer the potential for high returns also carry a high degree of risk. Actual returns may vary. The types of securities and strategies illustrated may not be suitable for everyone. Contributions to a Traditional IRA may be fully or partially deductable, depending on your individual circumstance. In most circumstances, once you reach age 73, you must begin taking required minimum distributions from a Traditional Individual Retirement Account (IRA) and most other employer-sponsored retirement plans. Withdrawals from Traditional IRAs are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. You may continue to contribute to a Traditional IRA past age 70½ as long as you meet the earned-income requirement. A tax professional can help assess your specific situation. Roth IRA contributions cannot be made by taxpayers with high incomes. To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and distribution must take place after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, such as a result of the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.

Calculators For Websites

Saving for College

College costs have risen steadily over the past several years, which is why some should consider starting to save early. Whether you plan on paying all the costs or just a fraction, this calculator can help you better assess the overall price tag of higher education.

Current Savings and Assumptions

Annual college cost inflation (0% to 10%)

collegeInflationSlide = document.getElementById('collegeInflationSlide');noUiSlider.create(collegeInflationSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'collegeInflationLabel' }],start: [ document.getElementById('collegeInflation').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [10]},format: wNumb({decimals: 3,postfix: '%',})});collegeInflationSlideValueElement = document.getElementById('collegeInflation'); collegeInflationSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ collegeInflationSlideValueElement.value = values[handle];}}); document.getElementById('collegeInflation').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;collegeInflationSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Amount saved so far ($) help

Tipped.create("#amountSavedHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/collegecost.gif", { ajax: true });

amountSavedSlide = document.getElementById('amountSavedSlide');noUiSlider.create(amountSavedSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'amountSavedLabel' }],start: [ document.getElementById('amountSaved').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});amountSavedSlideValueElement = document.getElementById('amountSaved');document.getElementById('amountSaved').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;amountSavedSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});amountSavedSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){amountSavedSlideValueElement.value = thousandSeparator(values[handle]);}});

Name	Current Age (0 to 30)	College Start Age (0 to 30)	Years Attending (0 to 20)	Annual Cost
Child 1 Name	Child 1 Current Age	Child 1 College Start Age	Child 1 Years Attending	Child 1 Annual Amount
Child 2 Name	Child 2 Current Age	Child 2 College Start Age	Child 2 Years Attending	Child 2 Annual Amount
Child 3 Name	Child 3 Current Age	Child 3 College Start Age	Child 3 Years Attending	Child 3 Annual Amount
Child 4 Name	Child 4 Current Age	Child 4 College Start Age	Child 4 Years Attending	Child 4 Annual Amount
Child 5 Name	Child 5 Current Age	Child 5 College Start Age	Child 5 Years Attending	Child 5 Annual Amount
Child 6 Name	Child 6 Current Age	Child 6 College Start Age	Child 6 Years Attending	Child 6 Annual Amount

Assumptions

Before-tax return (-12% to 12%) help

Tipped.create("#beforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

beforeTaxReturnSlide = document.getElementById('beforeTaxReturnSlide');noUiSlider.create(beforeTaxReturnSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'beforeTaxReturnLabel' }],start: [ document.getElementById('beforeTaxReturn').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [-12],'max': [12]},format: wNumb({decimals: 3,postfix: '%',})});beforeTaxReturnSlideValueElement = document.getElementById('beforeTaxReturn'); beforeTaxReturnSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ beforeTaxReturnSlideValueElement.value = values[handle];}}); document.getElementById('beforeTaxReturn').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;beforeTaxReturnSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Marginal tax bracket (0% to 75%) help

Tipped.create("#taxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

Annual increases (0% to 20%)

annualIncreasesSlide = document.getElementById('annualIncreasesSlide');noUiSlider.create(annualIncreasesSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'annualIncreasesLabel' }],start: [ document.getElementById('annualIncreases').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [20]},format: wNumb({decimals: 3,postfix: '%',})});annualIncreasesSlideValueElement = document.getElementById('annualIncreases'); annualIncreasesSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ annualIncreasesSlideValueElement.value = values[handle];}}); document.getElementById('annualIncreases').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;annualIncreasesSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments.This worksheet provides estimates based on certain assumptions. It is not intended to provide specific investment advice. The results are not a guarantee of performance or specific investment advice. The rate of return on investments will vary over time, particularly for longer-term investments. Investments that offer the potential for high returns also carry a high degree of risk. Actual returns will fluctuate.

Calculators For Websites

Impact of Taxes and Inflation

Taxes and inflation may have an effect on an investment. Use this calculator to better understand the potential impact of taxes and inflation can have on the purchasing power of your investment.

Rates and Assumptions

Before-tax return on savings (-12% to 12%) help

Tipped.create("#beforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

State marginal tax bracket (0% to 75%)

stateTaxBracketSlide = document.getElementById('stateTaxBracketSlide');noUiSlider.create(stateTaxBracketSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'stateTaxBracketLabel' }],start: [ document.getElementById('stateTaxBracket').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [75]},format: wNumb({decimals: 3,postfix: '%',})});stateTaxBracketSlideValueElement = document.getElementById('stateTaxBracket'); stateTaxBracketSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ stateTaxBracketSlideValueElement.value = values[handle];}}); document.getElementById('stateTaxBracket').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;stateTaxBracketSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Federal marginal tax bracket (0% to 75%) help

Tipped.create("#taxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

Do you itemize deductions?

NoYes

Assumed inflation rate (0% to 10%) help

Tipped.create("#inflationHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/inflationtable.gif", { ajax: true });

inflationSlide = document.getElementById('inflationSlide');noUiSlider.create(inflationSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'inflationLabel' }],start: [ document.getElementById('inflation').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [10]},format: wNumb({decimals: 3,postfix: '%',})});inflationSlideValueElement = document.getElementById('inflation'); inflationSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ inflationSlideValueElement.value = values[handle];}}); document.getElementById('inflation').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;inflationSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments. Alternative minimum tax and itemized deductions are not considered in this illustration. Contact a tax professional before you take any specific actions.

Calculators For Websites

What is the Dividend Yield?

Many consider dividends an important component when evaluating an investment opportunity. This calculator takes a look at the pre-tax and after-tax yield on an individual stock.

Stock Input and Assumptions

Share price today ($)

sharePriceSlide = document.getElementById('sharePriceSlide');noUiSlider.create(sharePriceSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'sharePriceLabel' }],start: [ document.getElementById('sharePrice').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [0],'max': [ 500]},format: wNumb({decimals: 0})});sharePriceSlideValueElement = document.getElementById('sharePrice');document.getElementById('sharePrice').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;sharePriceSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});sharePriceSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){sharePriceSlideValueElement.value = thousandSeparator(values[handle]);}});

Number of shares owned (0 to 999999999)

sharesOwnedSlide = document.getElementById('sharesOwnedSlide');noUiSlider.create(sharesOwnedSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'sharesOwnedLabel' }],start: [ document.getElementById('sharesOwned').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [0],'max': [ 500]},format: wNumb({decimals: 0})});sharesOwnedSlideValueElement = document.getElementById('sharesOwned');document.getElementById('sharesOwned').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;sharesOwnedSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});sharesOwnedSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){sharesOwnedSlideValueElement.value = thousandSeparator(values[handle]);}});

Average quarterly dividend paid ($)

dividendSlide = document.getElementById('dividendSlide');noUiSlider.create(dividendSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'dividendLabel' }],start: [ document.getElementById('dividend').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [0],'max': [ 500]},format: wNumb({decimals: 0})});dividendSlideValueElement = document.getElementById('dividend');document.getElementById('dividend').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;dividendSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});dividendSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){dividendSlideValueElement.value = thousandSeparator(values[handle]);}});

Marginal tax bracket (0% to 75%) help

Tipped.create("#taxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments.This worksheet provides estimates based on certain assumptions. State taxes are not included in the illustration. It is not intended to provide specific investment advice. The results are not a guarantee of performance or specific investment advice. The rate of return on investments will vary over time, particularly for longer-term investments. Investments that offer the potential for high returns also carry a high degree of risk. Actual returns will fluctuate. Contact a tax professional before you take any specific actions.

Calculators For Websites

What is My Risk Tolerance?

On your way home from work, do you drive in the slow lane or the fast lane? Each person has a different propensity for risk. When investing, this risk propensity may be used to help assess your asset allocation. The following questionnaire may help determine your risk tolerance.

Attitudes toward Risk

1. What is your age?
A) 35 years or under
B) 36-54
C) 55 or above

ABC

2. What do you expect to be your next major expenditure?
A) Buying a house
B) Paying for a college education
C) Capitalizing a new business
D) Providing for retirement

ABCD

3. When do you expect to use most of the money you are now accumulating in your investments?
A) At any time now...so a high level of liquidity is important
B) Probably in the future...2-5 years from now
C) In 6-10 years
D) Probably in 11-20 or more years from now

ABCD

4. Over the next several years, you expect your annual income to:
A) Stay about the same
B) Grow moderately
C) Grow substantially
D) Decrease moderately
E) Decrease substantially

ABCDE

5. Due to a general market correction, one of your investments loses 14% of its value a short time after you buy it. What do you do?
A) Sell the investment so you will not have to worry if it continues to decline
B) Hold on to it and wait for it to climb back up
C) Buy more of the same investment...because at the current lower price, it looks even better than when you bought it

ABC

6. Which of these investing plans would you choose for your investment dollars?
A) You would go for maximum diversity, dividing your portfolio among all available investments, including those ranging from highest return/greatest risk to lowest return/lowest risk
B) You are concerned about too much diversification, so you would divide your portfolio among two investments with historically high rates of return and moderate risk
C) You would put your investment dollars in the investment with the highest rate of return and most risk

ABC

7. Assuming you are investing in a stock, which one do you choose?
A) Companies that may make significant technological advances that are still selling at their low initial offering price
B) Established, well-known companies that have a potential for continued growth
C) 'Blue chip' stocks that pay dividends

ABC

8. Assuming you are investing in only one bond, which bond do you choose?
A) A high-yield (junk) bond that pays a higher interest rate than the other two bonds, but also gives you the least sense of security with regard to a possible default
B) The bond of a well-established company that pays a rate of interest somewhere between the other two bonds
C) A tax-free bond, since minimizing taxes is your primary investment objective

ABC

9. You expect inflation to return and it has been suggested that you invest in 'hard' assets, which have historically outpaced inflation. Your only financial assets are long-term bonds. What do you do?
A) Ignore the advice and hold on to the bonds
B) Sell the bonds, putting half the proceeds in 'hard' assets and the other half in money market funds
C) Sell the bonds and put all the proceeds in 'hard' assets
D) Sell the bonds, put the proceeds in 'hard' assets, and borrow additional money so you can buy even more 'hard' assets

ABCD

10. You have just reached the $10,000 plateau on a TV game show. Now you must choose between quitting with the $10,000 in hand or betting the entire $10,000 in one of three alternative scenarios. Which do you choose?
A) The $10,000 -- you take the money and run
B) A 50 percent chance of winning $50,000
C) A 20 percent chance of winning $75,000
D) A 5 percent chance of winning $100,000

ABCD

Bank savings accounts and CDs are FDIC insured up to $250,000 per depositor per institution and generally provide a fixed rate of return. If you withdrawal your money early, you may be subject to penalties. Stocks, bonds, mutual funds, and variable annuity subaccounts will fluctuate as market conditions change. Shares, when sold, may be worth more or less than their purchase price. The guarantees of an insurance company are dependent on the issuing company's claims-paying ability. Asset allocation and dollar cost averaging are approaches to help manage investment risk. Asset allocation and dollar cost averaging do not guarantee against investment loss.

This is a hypothetical example used for illustrative purposes only. It is not intended to provide specific advice regarding risk tolerance. Contact a financial professional for more information regarding a risk-tolerance assessment.

Calculators For Websites

How Compound Interest Works

Compound interest can have a dramatic effect on the growth of an investment. Use this calculator to illustrate the potential impact of compound interest on the future value of an asset.

Savings

Initial balance or deposit ($)

initialBalanceSlide = document.getElementById('initialBalanceSlide');noUiSlider.create(initialBalanceSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'initialBalanceLabel' }],start: [ document.getElementById('initialBalance').value.replace(",", "")],step: 100,connect: [true, false],range: {'min': [0],'max': [ 50000]},format: wNumb({decimals: 0})});initialBalanceSlideValueElement = document.getElementById('initialBalance');document.getElementById('initialBalance').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;initialBalanceSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});initialBalanceSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){initialBalanceSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual savings amount ($)

annualSavingsSlide = document.getElementById('annualSavingsSlide');noUiSlider.create(annualSavingsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'annualSavingsLabel' }],start: [ document.getElementById('annualSavings').value.replace(",", "")],step: 100,connect: [true, false],range: {'min': [0],'max': [ 50000]},format: wNumb({decimals: 0})});annualSavingsSlideValueElement = document.getElementById('annualSavings');document.getElementById('annualSavings').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;annualSavingsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});annualSavingsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){annualSavingsSlideValueElement.value = thousandSeparator(values[handle]);}});

Assumptions

Annual increase in contributions (0% to 10%)

savingsIncreaseSlide = document.getElementById('savingsIncreaseSlide');noUiSlider.create(savingsIncreaseSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'savingsIncreaseLabel' }],start: [ document.getElementById('savingsIncrease').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [10]},format: wNumb({decimals: 3,postfix: '%',})});savingsIncreaseSlideValueElement = document.getElementById('savingsIncrease'); savingsIncreaseSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ savingsIncreaseSlideValueElement.value = values[handle];}}); document.getElementById('savingsIncrease').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;savingsIncreaseSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Number of years for the analysis (1 to 50)

numYearsSlide = document.getElementById('numYearsSlide');noUiSlider.create(numYearsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'numYearsLabel' }],start: [ document.getElementById('numYears').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 50]},format: wNumb({decimals: 0})});numYearsSlideValueElement = document.getElementById('numYears');document.getElementById('numYears').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;numYearsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});numYearsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){numYearsSlideValueElement.value = thousandSeparator(values[handle]);}});

Before-tax return on savings (-12% to 12%) help

Tipped.create("#beforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

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Taxable vs. Tax-Deferred Savings

When it comes to investing, tax deferral can be a powerful tool. Use this calculator to help compare the potential future value of an investment being subject to income tax each year with deferring the tax until funds are withdrawn.

Savings

Initial balance or deposit (After-tax) ($)

initialBalanceSlide = document.getElementById('initialBalanceSlide');noUiSlider.create(initialBalanceSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'initialBalanceLabel' }],start: [ document.getElementById('initialBalance').value.replace(",", "")],step: 500,connect: [true, false],range: {'min': [0],'max': [ 100000]},format: wNumb({decimals: 0})});initialBalanceSlideValueElement = document.getElementById('initialBalance');document.getElementById('initialBalance').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;initialBalanceSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});initialBalanceSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){initialBalanceSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual savings amount (After-tax) ($)

annualSavingsSlide = document.getElementById('annualSavingsSlide');noUiSlider.create(annualSavingsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'annualSavingsLabel' }],start: [ document.getElementById('annualSavings').value.replace(",", "")],step: 500,connect: [true, false],range: {'min': [0],'max': [ 100000]},format: wNumb({decimals: 0})});annualSavingsSlideValueElement = document.getElementById('annualSavings');document.getElementById('annualSavings').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;annualSavingsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});annualSavingsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){annualSavingsSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual increase in contributions (0% to 100%)

savingsIncreaseSlide = document.getElementById('savingsIncreaseSlide');noUiSlider.create(savingsIncreaseSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'savingsIncreaseLabel' }],start: [ document.getElementById('savingsIncrease').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [100]},format: wNumb({decimals: 3,postfix: '%',})});savingsIncreaseSlideValueElement = document.getElementById('savingsIncrease'); savingsIncreaseSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ savingsIncreaseSlideValueElement.value = values[handle];}}); document.getElementById('savingsIncrease').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;savingsIncreaseSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Number of years for the analysis (1 to 50)

yearsSlide = document.getElementById('yearsSlide');noUiSlider.create(yearsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'yearsLabel' }],start: [ document.getElementById('years').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 50]},format: wNumb({decimals: 0})});yearsSlideValueElement = document.getElementById('years');document.getElementById('years').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;yearsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});yearsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){yearsSlideValueElement.value = thousandSeparator(values[handle]);}});

Assumptions

Before-tax return on savings (-12% to 12%) help

Tipped.create("#beforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

Marginal tax bracket (0% to 75%) help

Tipped.create("#taxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

Compounding/savings frequency

WeeklyBi-WeeklySemi-MonthlyMonthlyAnnually

This hypothetical example is used for comparison purposes and is not intended to represent the past or future performance of any investment. No withdrawals were made during the period indicated. Actual returns will fluctuate. Taxable account assumes earnings are taxed as ordinary income. Lower maximum rates on capital gains and dividends would make the taxable accounts returns more favorable when compared with the tax-deferred account. The types of securities and strategies illustrated may not be suitable for everyone. Some investments that are free of federal income taxes may be subject to state and local taxes. Also, the alternative minimum tax may apply. Fees and other expenses were not considered in the illustration. Withdrawals from a tax-deferred program are subject to ordinary income taxes. If a withdrawal is taken before age 59½, a 10% federal tax penalty may apply. Individuals should consider their time frame and income tax brackets when evaluating a financial instrument.

Calculators For Websites

What's My Potential Estate Tax?

Estate tax laws have been regularly repealed then reinstated since the first law was passed in 1797. The most recent version of the law was passed in 1916, and, in some form or another, a federal estate tax has been with us ever since. Use this federal estate tax calculator to estimate your potential tax liability.

Assets/Liabilities and Assumptions

	Value	Growth (0% to 500%)	Liability
Personal assets ($)
Investment assets ($)
Business assets ($)

Assumptions

Charitable contributions ($)

charitableDonationsSlide = document.getElementById('charitableDonationsSlide');noUiSlider.create(charitableDonationsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'charitableDonationsLabel' }],start: [ document.getElementById('charitableDonations').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 100000]},format: wNumb({decimals: 0})});charitableDonationsSlideValueElement = document.getElementById('charitableDonations');document.getElementById('charitableDonations').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;charitableDonationsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});charitableDonationsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){charitableDonationsSlideValueElement.value = thousandSeparator(values[handle]);}});

Probate and final expenses (% of gross estate) (0% to 100%)

probateSlide = document.getElementById('probateSlide');noUiSlider.create(probateSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'probateLabel' }],start: [ document.getElementById('probate').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [100]},format: wNumb({decimals: 3,postfix: '%',})});probateSlideValueElement = document.getElementById('probate'); probateSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ probateSlideValueElement.value = values[handle];}}); document.getElementById('probate').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;probateSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Years to project estate growth (0 to 120)

growthYearsSlide = document.getElementById('growthYearsSlide');noUiSlider.create(growthYearsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'growthYearsLabel' }],start: [ document.getElementById('growthYears').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [0],'max': [ 120]},format: wNumb({decimals: 0})});growthYearsSlideValueElement = document.getElementById('growthYears');document.getElementById('growthYears').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;growthYearsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});growthYearsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){growthYearsSlideValueElement.value = thousandSeparator(values[handle]);}});

This illustration is only an estimate of the federal estate taxes that may be owed on your estate. Congress may change the tax laws at any time, or choose to extend the current rules.

The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation.

Calculators For Websites

What Is My Current Net Worth?

In order to get where you want to go, you need to know where you are. You can get a view of your financial position by generating a personal net worth statement. Use this calculator to list your assets, minus your liabilities.

Tangible Assets

	Value
Residence ($)
Vacation home ($)
Furnishings ($)
Automobiles ($)
Rental real estate ($)
Art, jewelry, and other valuables ($)

Equity Assets

	Value
Stocks ($)
Variable annuities ($)
Limited partnerships ($)
Business interests ($)

Fixed-Principal Assets

	Value
Fixed-dollar annuities ($)
Trust deeds ($)
Other fixed-principal assets ($)

Fixed-Rate Assets

	Value
U.S. government bonds and securities ($)
Municipal bonds ($)
Corporate bonds ($)
Face-amount certificates ($)
Debt mutual funds ($)

Cash and Cash Equivalents

	Value
Checking accounts ($)
Savings accounts ($)
Money market funds ($)
Certificates of deposit ($)
Other cash reserve accounts ($)

Liabilities

	Value
Home mortgage ($)
Other mortgage ($)
Automobile loans ($)
Bank loans ($)
Personal loans ($)
Charge account debt ($)
Other debts ($)

Calculators For Websites

What Is My Life Expectancy?

With medical advances and improved lifestyles, life expectancies in the U.S. have been on the rise. Use this calculator to help determine how many years you may need to plan for in retirement or how many years you may need to provide for a surviving spouse or children.

Assumptions

Gender

MaleFemale

Current age (1 to 120)

currentAgeSlide = document.getElementById('currentAgeSlide');noUiSlider.create(currentAgeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'currentAgeLabel' }],start: [ document.getElementById('currentAge').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 120]},format: wNumb({decimals: 0})});currentAgeSlideValueElement = document.getElementById('currentAge');document.getElementById('currentAge').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;currentAgeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});currentAgeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){currentAgeSlideValueElement.value = thousandSeparator(values[handle]);}});

Calculators For Websites

Annuity Comparison

Deposits into an annuity are not tax-deductible; however, you may not have to pay taxes on the interest earned until you begin making withdrawals. This tax-deferral period can have a dramatic effect on the growth of an investment. Use this calculator to compare the potential tax advantages of saving in an annuity versus an account where the interest is taxed each year.

Assumptions

Initial balance or deposit ($)

initialBalanceSlide = document.getElementById('initialBalanceSlide');noUiSlider.create(initialBalanceSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'initialBalanceLabel' }],start: [ document.getElementById('initialBalance').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});initialBalanceSlideValueElement = document.getElementById('initialBalance');document.getElementById('initialBalance').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;initialBalanceSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});initialBalanceSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){initialBalanceSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual contribution amount ($)

annualSavingsSlide = document.getElementById('annualSavingsSlide');noUiSlider.create(annualSavingsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'annualSavingsLabel' }],start: [ document.getElementById('annualSavings').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});annualSavingsSlideValueElement = document.getElementById('annualSavings');document.getElementById('annualSavings').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;annualSavingsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});annualSavingsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){annualSavingsSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual increase in contributions (0% to 10%)

Number of years for the analysis (1 to 50)

Before-tax return (-12% to 12%) help

Tipped.create("#beforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

Marginal Tax Brackets

During deposit(s) (0% to 75%) help

Tipped.create("#taxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

At withdrawal (0% to 75%) help

Tipped.create("#taxBracketRetirementHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

taxBracketRetirementSlide = document.getElementById('taxBracketRetirementSlide');noUiSlider.create(taxBracketRetirementSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'taxBracketRetirementLabel' }],start: [ document.getElementById('taxBracketRetirement').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [75]},format: wNumb({decimals: 3,postfix: '%',})});taxBracketRetirementSlideValueElement = document.getElementById('taxBracketRetirement'); taxBracketRetirementSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ taxBracketRetirementSlideValueElement.value = values[handle];}}); document.getElementById('taxBracketRetirement').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;taxBracketRetirementSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments. Annuities have contract limitations, fees, and charges, including account and administrative fees, underlying investment management fees, mortality and expense fees, and charges for optional benefits. Most annuities have surrender fees that are usually highest if you take out the money in the initial years of the annuity contact. Withdrawals and income payments are taxed as ordinary income. If a withdrawals is made prior to age 59½, a 10% federal income tax penalty may apply (unless an exception applies). The guarantees of an annuity contract depend on the issuing company's claims-paying ability. Annuities are not guaranteed by the FDIC or any other government agency. Actual results will vary.

Calculators For Websites

Self-Employment Retirement Plan Maximum Contribution

Compensation for a self-employed individual (sole proprietor or partner) is that person's "earned income."* The starting point to determine the individual's earned income is the net profit amount from the Schedule C (or Schedule K-1 for a partnership). Use this calculator as a starting point to assess your potential maximum contribution amount for a Self-Employed 401(k), a SIMPLE IRA, or an SEP. *Earned Income = Net Profit - 1/2 of Self-Employment Tax - Contribution

Plan Information

Type of business

Sole Prop/PartnerCorporation

Contribution tax year

20232024

Current age (1 to 120)

clientAgeSlide = document.getElementById('clientAgeSlide');noUiSlider.create(clientAgeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'clientAgeLabel' }],start: [ document.getElementById('clientAge').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 120]},format: wNumb({decimals: 0})});clientAgeSlideValueElement = document.getElementById('clientAge');document.getElementById('clientAge').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;clientAgeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});clientAgeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){clientAgeSlideValueElement.value = thousandSeparator(values[handle]);}});

Net profit from Form 1040-Schedule C ($)
(or W-2 income if corporation)

netProfitSlide = document.getElementById('netProfitSlide');noUiSlider.create(netProfitSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'netProfitLabel' }],start: [ document.getElementById('netProfit').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});netProfitSlideValueElement = document.getElementById('netProfit');document.getElementById('netProfit').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;netProfitSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});netProfitSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){netProfitSlideValueElement.value = thousandSeparator(values[handle]);}});

This is a hypothetical example used for illustrative purposes only. This worksheet provides an estimate based on certain assumptions. It is not intended to provide specific investment advice. Distribution rules are similar for most retirement plans, including 401(k) plans, SIMPLE plans, and SEP IRAs. Distributions are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. With 401(k), SIMPLE plans, SEP IRAs, in most circumstances, once you reach age 73, you must begin taking required minimum distributions from a 401(k), SIMPLE plans and SEP IRAs. You may continue to contribute to IRAs past age 70½ as long as you meet the earned-income requirement.

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Estimate Your Retirement Plan Withdrawals

Under the SECURE Act, your required minimum distribution (RMD) must be distributed by the end of the 10th calendar year following the year of the Individual Retirement Account (IRA) owner's death. Penalties may occur for missed RMDs. Any RMDs due for the original owner must be taken by their deadlines to avoid penalties. A surviving spouse of the IRA owner, disabled or chronically ill individuals, individuals who are not more than 10 years younger than the IRA owner, and child of the IRA owner who has not reached the age of majority may have other minimum distribution requirements.

Dates Of Birth

Year of RMD (2010 to 2040)

yyyyRmdSlide = document.getElementById('yyyyRmdSlide');noUiSlider.create(yyyyRmdSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'yyyyRmdLabel' }],start: [ document.getElementById('yyyyRmd').value.replace(",", "")],step: 50,connect: [true, false],range: {'min': [2010],'max': [ 2040]},format: wNumb({decimals: 0})});yyyyRmdSlideValueElement = document.getElementById('yyyyRmd');document.getElementById('yyyyRmd').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;yyyyRmdSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});yyyyRmdSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){yyyyRmdSlideValueElement.value = thousandSeparator(values[handle]);}});

	Month (1 to 12)	Day (1 to 31)	Year (1920 to 2024)
You
Beneficiary

Plan Information

Is the designated beneficiary of the account the owner's spouse?

NoYes

What was the prior year end balance of the account? ($)

accountBalanceSlide = document.getElementById('accountBalanceSlide');noUiSlider.create(accountBalanceSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'accountBalanceLabel' }],start: [ document.getElementById('accountBalance').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});accountBalanceSlideValueElement = document.getElementById('accountBalance');document.getElementById('accountBalance').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;accountBalanceSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});accountBalanceSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){accountBalanceSlideValueElement.value = thousandSeparator(values[handle]);}});

Type of account/plan?

Traditional IRARoth IRATraditional 401(k)Roth 401(k)457Roth 457403(b)Roth 403(b)Pension PlanSARSEPSEPSIMPLEOther qualified pretax accountOther qualified Roth account

This is a hypothetical example used for illustrative purposes only. This worksheet provides an estimate of your annual required minimum distribution from a retirement account based on certain assumptions. It is not intended to provide specific investment advice. There are several other factors that can affect your actual required minimum distribution, including the type of retirement plan and whether you are retired.

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Potential Income from an IRA

Your IRA may play a key role in your retirement. And the amount of retirement income your IRA can generate may vary widely depending on what assumptions you make about return and tax rates during the accumulation and withdrawal periods. Use this calculator to help estimate your monthly and annual income from various IRA types.

Savings

Current age (1 to 120)

Age when income should start (1 to 120)

retirementAgeSlide = document.getElementById('retirementAgeSlide');noUiSlider.create(retirementAgeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'retirementAgeLabel' }],start: [ document.getElementById('retirementAge').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 120]},format: wNumb({decimals: 0})});retirementAgeSlideValueElement = document.getElementById('retirementAge');document.getElementById('retirementAge').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;retirementAgeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});retirementAgeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){retirementAgeSlideValueElement.value = thousandSeparator(values[handle]);}});

Number of years to receive income (1 to 120)

yearsNeededSlide = document.getElementById('yearsNeededSlide');noUiSlider.create(yearsNeededSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'yearsNeededLabel' }],start: [ document.getElementById('yearsNeeded').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 120]},format: wNumb({decimals: 0})});yearsNeededSlideValueElement = document.getElementById('yearsNeeded');document.getElementById('yearsNeeded').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;yearsNeededSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});yearsNeededSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){yearsNeededSlideValueElement.value = thousandSeparator(values[handle]);}});

Your annual contribution ($)

annualContributionSlide = document.getElementById('annualContributionSlide');noUiSlider.create(annualContributionSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'annualContributionLabel' }],start: [ document.getElementById('annualContribution').value.replace(",", "")],step: 250,connect: [true, false],range: {'min': [0],'max': [ 50000]},format: wNumb({decimals: 0})});annualContributionSlideValueElement = document.getElementById('annualContribution');document.getElementById('annualContribution').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;annualContributionSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});annualContributionSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){annualContributionSlideValueElement.value = thousandSeparator(values[handle]);}});

Assumptions

Before-tax return on savings (accumulation phase) (-12% to 12%) help

Tipped.create("#accBeforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

accBeforeTaxReturnSlide = document.getElementById('accBeforeTaxReturnSlide');noUiSlider.create(accBeforeTaxReturnSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'accBeforeTaxReturnLabel' }],start: [ document.getElementById('accBeforeTaxReturn').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [-12],'max': [12]},format: wNumb({decimals: 3,postfix: '%',})});accBeforeTaxReturnSlideValueElement = document.getElementById('accBeforeTaxReturn'); accBeforeTaxReturnSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ accBeforeTaxReturnSlideValueElement.value = values[handle];}}); document.getElementById('accBeforeTaxReturn').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;accBeforeTaxReturnSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Before-tax return on savings (distribution phase) (-12% to 12%) help

Tipped.create("#distBeforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

distBeforeTaxReturnSlide = document.getElementById('distBeforeTaxReturnSlide');noUiSlider.create(distBeforeTaxReturnSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'distBeforeTaxReturnLabel' }],start: [ document.getElementById('distBeforeTaxReturn').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [-12],'max': [12]},format: wNumb({decimals: 3,postfix: '%',})});distBeforeTaxReturnSlideValueElement = document.getElementById('distBeforeTaxReturn'); distBeforeTaxReturnSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ distBeforeTaxReturnSlideValueElement.value = values[handle];}}); document.getElementById('distBeforeTaxReturn').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;distBeforeTaxReturnSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Income tax bracket (accumulation phase) (0% to 75%) help

Tipped.create("#accTaxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

accTaxBracketSlide = document.getElementById('accTaxBracketSlide');noUiSlider.create(accTaxBracketSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'accTaxBracketLabel' }],start: [ document.getElementById('accTaxBracket').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [75]},format: wNumb({decimals: 3,postfix: '%',})});accTaxBracketSlideValueElement = document.getElementById('accTaxBracket'); accTaxBracketSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ accTaxBracketSlideValueElement.value = values[handle];}}); document.getElementById('accTaxBracket').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;accTaxBracketSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Income tax bracket (distribution phase) (0% to 75%) help

Tipped.create("#distTaxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

distTaxBracketSlide = document.getElementById('distTaxBracketSlide');noUiSlider.create(distTaxBracketSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'distTaxBracketLabel' }],start: [ document.getElementById('distTaxBracket').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [75]},format: wNumb({decimals: 3,postfix: '%',})});distTaxBracketSlideValueElement = document.getElementById('distTaxBracket'); distTaxBracketSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ distTaxBracketSlideValueElement.value = values[handle];}}); document.getElementById('distTaxBracket').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;distTaxBracketSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Taxation of contribution options:
1) Deductible accounts fully funded, contributions to non-deductible accounts are reduced.
2) Full contribution made to non-deductible accounts, deductible accounts given a 'side-account' to reflect tax savings.

Option 1Option 2

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Inflation & Retirement

It may surprise you how fast inflation can erode purchasing power. This calculator is designed to help you estimate how much more income you may need at retirement to keep your same standard of living that you have today.

Income

Current age (1 to 120)

Current gross annual income ($)

clientIncomeSlide = document.getElementById('clientIncomeSlide');noUiSlider.create(clientIncomeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'clientIncomeLabel' }],start: [ document.getElementById('clientIncome').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});clientIncomeSlideValueElement = document.getElementById('clientIncome');document.getElementById('clientIncome').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;clientIncomeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});clientIncomeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){clientIncomeSlideValueElement.value = thousandSeparator(values[handle]);}});

Anticipated inflation rate (0% to 10%) help

Tipped.create("#inflationHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/inflationtable.gif", { ajax: true });

Assumptions

Desired retirement age (1 to 120)

Life expectancy age (1 to 120)

lifeAgeSlide = document.getElementById('lifeAgeSlide');noUiSlider.create(lifeAgeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'lifeAgeLabel' }],start: [ document.getElementById('lifeAge').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 120]},format: wNumb({decimals: 0})});lifeAgeSlideValueElement = document.getElementById('lifeAge');document.getElementById('lifeAge').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;lifeAgeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});lifeAgeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){lifeAgeSlideValueElement.value = thousandSeparator(values[handle]);}});

Income to replace at retirement (0% to 300%)

incomeReplacementSlide = document.getElementById('incomeReplacementSlide');noUiSlider.create(incomeReplacementSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'incomeReplacementLabel' }],start: [ document.getElementById('incomeReplacement').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [300]},format: wNumb({decimals: 3,postfix: '%',})});incomeReplacementSlideValueElement = document.getElementById('incomeReplacement'); incomeReplacementSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ incomeReplacementSlideValueElement.value = values[handle];}}); document.getElementById('incomeReplacement').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;incomeReplacementSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments.

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Roth 401(k) vs. Traditional 401(k)

Your retirement income can vary widely depending on what type of account holds your savings and what assumptions are made about overall returns and tax rates during the accumulation and withdrawal periods. Use this calculator to help compare employee contributions to the new after-tax Roth 401(k) and the current tax-deductible 401(k).

Savings

Current age (1 to 120)

Your annual contribution ($)

Distribution

Age when income should start (1 to 120)

Number of years to receive income (1 to 70)

yearsNeededSlide = document.getElementById('yearsNeededSlide');noUiSlider.create(yearsNeededSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'yearsNeededLabel' }],start: [ document.getElementById('yearsNeeded').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 70]},format: wNumb({decimals: 0})});yearsNeededSlideValueElement = document.getElementById('yearsNeeded');document.getElementById('yearsNeeded').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;yearsNeededSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});yearsNeededSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){yearsNeededSlideValueElement.value = thousandSeparator(values[handle]);}});

Before tax return on savings (distribution phase) (-12% to 12%) help

Tipped.create("#distBeforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

Income tax bracket (distribution phase) (0% to 75%) help

Tipped.create("#distTaxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

Accumulation

Before tax return on savings (accumulation phase) (-12% to 12%) help

Tipped.create("#accBeforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

Income tax bracket (accumulation phase) (0% to 75%) help

Tipped.create("#accTaxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

Taxation of contribution options
1) Traditional 401(k) deductible account fully funded, contributions to Roth 401(k) non-deductible account are reduced
2) Full contribution made to Roth 401(k) non-deductible account, Traditional 401(k) account given a 'side-account' to reflect tax savings

Option 1Option 2

This is a hypothetical example used for illustrative purposes only. This worksheet provides estimates based on certain assumptions. It is not intended to provide specific investment advice. The results are not a guarantee of performance. The rate of return on investments will vary over time, particularly for longer-term investments. Investments that offer the potential for high returns also carry a high degree of risk. Actual returns will fluctuate. The types of securities and strategies illustrated may not be suitable for everyone. Roth IRA contributions cannot be made by taxpayers with high incomes. To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and distribution must take place after age 59½. Tax-free and penalty-free withdrawal also can be taken under certain other circumstances, such as a result of the owners death. The original Roth IRA owner is not required to take minimum annual withdrawals. Contributions to a Traditional IRA may be fully or partially deductable, depending on your individual circumstance. In most circumstances, once you reach age 73, you must begin taking required minimum distributions from a Traditional Individual Retirement Account (IRA) and most other employer-sponsored retirement plans. Withdrawals from Traditional IRAs are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. You may continue to contribute to a Traditional IRA past age 70½ as long as you meet the earned-income requirement. A tax professional can help assess your specific situation.

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My Retirement Savings

Due to increasing life expectancies, many are concerned they may outlive their retirement savings. Use this calculator to help determine when your retirement savings account may be depleted given a specified monthly income target. Remember, you currently may be in receipt of a company pension or Social Security that may help supplement your retirement savings accounts.

Income Objectives

Monthly income needed (before-tax) ($)

incomeSlide = document.getElementById('incomeSlide');noUiSlider.create(incomeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'incomeLabel' }],start: [ document.getElementById('income').value.replace(",", "")],step: 100,connect: [true, false],range: {'min': [0],'max': [ 5000]},format: wNumb({decimals: 0})});incomeSlideValueElement = document.getElementById('income');document.getElementById('income').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;incomeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});incomeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){incomeSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual increases (if any) (0% to 10%) help

Tipped.create("#increaseHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/inflationtable.gif", { ajax: true });

increaseSlide = document.getElementById('increaseSlide');noUiSlider.create(increaseSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'increaseLabel' }],start: [ document.getElementById('increase').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [10]},format: wNumb({decimals: 3,postfix: '%',})});increaseSlideValueElement = document.getElementById('increase'); increaseSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ increaseSlideValueElement.value = values[handle];}}); document.getElementById('increase').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;increaseSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Fixed Income Receipts

Monthly Social Security income ($)

ssIncomeSlide = document.getElementById('ssIncomeSlide');noUiSlider.create(ssIncomeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'ssIncomeLabel' }],start: [ document.getElementById('ssIncome').value.replace(",", "")],step: 100,connect: [true, false],range: {'min': [0],'max': [ 5000]},format: wNumb({decimals: 0})});ssIncomeSlideValueElement = document.getElementById('ssIncome');document.getElementById('ssIncome').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;ssIncomeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});ssIncomeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ssIncomeSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual Social Security increases (0% to 10%) help

Tipped.create("#ssIncreaseHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/inflationtable.gif", { ajax: true });

ssIncreaseSlide = document.getElementById('ssIncreaseSlide');noUiSlider.create(ssIncreaseSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'ssIncreaseLabel' }],start: [ document.getElementById('ssIncrease').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [10]},format: wNumb({decimals: 3,postfix: '%',})});ssIncreaseSlideValueElement = document.getElementById('ssIncrease'); ssIncreaseSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ ssIncreaseSlideValueElement.value = values[handle];}}); document.getElementById('ssIncrease').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;ssIncreaseSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Monthly pension income ($)

pensionSlide = document.getElementById('pensionSlide');noUiSlider.create(pensionSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'pensionLabel' }],start: [ document.getElementById('pension').value.replace(",", "")],step: 100,connect: [true, false],range: {'min': [0],'max': [ 5000]},format: wNumb({decimals: 0})});pensionSlideValueElement = document.getElementById('pension');document.getElementById('pension').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;pensionSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});pensionSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){pensionSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual pension increases (if any) (0% to 10%) help

Tipped.create("#pensionIncreaseHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/inflationtable.gif", { ajax: true });

pensionIncreaseSlide = document.getElementById('pensionIncreaseSlide');noUiSlider.create(pensionIncreaseSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'pensionIncreaseLabel' }],start: [ document.getElementById('pensionIncrease').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [10]},format: wNumb({decimals: 3,postfix: '%',})});pensionIncreaseSlideValueElement = document.getElementById('pensionIncrease'); pensionIncreaseSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ pensionIncreaseSlideValueElement.value = values[handle];}}); document.getElementById('pensionIncrease').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;pensionIncreaseSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Monthly other income ($)

otherIncomeSlide = document.getElementById('otherIncomeSlide');noUiSlider.create(otherIncomeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'otherIncomeLabel' }],start: [ document.getElementById('otherIncome').value.replace(",", "")],step: 100,connect: [true, false],range: {'min': [0],'max': [ 5000]},format: wNumb({decimals: 0})});otherIncomeSlideValueElement = document.getElementById('otherIncome');document.getElementById('otherIncome').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;otherIncomeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});otherIncomeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){otherIncomeSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual other income increases (if any) (0% to 10%) help

Tipped.create("#otherIncreaseHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/inflationtable.gif", { ajax: true });

otherIncreaseSlide = document.getElementById('otherIncreaseSlide');noUiSlider.create(otherIncreaseSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'otherIncreaseLabel' }],start: [ document.getElementById('otherIncrease').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [10]},format: wNumb({decimals: 3,postfix: '%',})});otherIncreaseSlideValueElement = document.getElementById('otherIncrease'); otherIncreaseSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ otherIncreaseSlideValueElement.value = values[handle];}}); document.getElementById('otherIncrease').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;otherIncreaseSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Savings And Assumptions

Current account balance ($)

balanceSlide = document.getElementById('balanceSlide');noUiSlider.create(balanceSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'balanceLabel' }],start: [ document.getElementById('balance').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});balanceSlideValueElement = document.getElementById('balance');document.getElementById('balance').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;balanceSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});balanceSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){balanceSlideValueElement.value = thousandSeparator(values[handle]);}});

Annual before-tax return (-12% to 12%) help

Tipped.create("#beforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

Desired amortization schedule

MonthlyYearly

Calculators For Websites

Saving for Retirement

Retirement may start a new phase of your life. This pre-retirement calculator is designed help you assess how well you have prepared and what you can do to potentially improve your retirement outlook. You also should consider re-evaluating your preparedness on an ongoing basis. Changes in economic climate, financial markets, and your personal situation may impact your strategy.

Income/Savings

Your current age (1 to 120)

Current annual income ($)

Spouse's annual income (if applicable) ($)

spouseIncomeSlide = document.getElementById('spouseIncomeSlide');noUiSlider.create(spouseIncomeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'spouseIncomeLabel' }],start: [ document.getElementById('spouseIncome').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});spouseIncomeSlideValueElement = document.getElementById('spouseIncome');document.getElementById('spouseIncome').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;spouseIncomeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});spouseIncomeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){spouseIncomeSlideValueElement.value = thousandSeparator(values[handle]);}});

Current retirement savings balance ($)

retirementSavingsSlide = document.getElementById('retirementSavingsSlide');noUiSlider.create(retirementSavingsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'retirementSavingsLabel' }],start: [ document.getElementById('retirementSavings').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 1000000]},format: wNumb({decimals: 0})});retirementSavingsSlideValueElement = document.getElementById('retirementSavings');document.getElementById('retirementSavings').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;retirementSavingsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});retirementSavingsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){retirementSavingsSlideValueElement.value = thousandSeparator(values[handle]);}});

Desired retirement age (1 to 120)

clientRetAgeSlide = document.getElementById('clientRetAgeSlide');noUiSlider.create(clientRetAgeSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'clientRetAgeLabel' }],start: [ document.getElementById('clientRetAge').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 120]},format: wNumb({decimals: 0})});clientRetAgeSlideValueElement = document.getElementById('clientRetAge');document.getElementById('clientRetAge').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;clientRetAgeSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});clientRetAgeSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){clientRetAgeSlideValueElement.value = thousandSeparator(values[handle]);}});

Number of years of retirement income (1 to 40)

retirementYearsSlide = document.getElementById('retirementYearsSlide');noUiSlider.create(retirementYearsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'retirementYearsLabel' }],start: [ document.getElementById('retirementYears').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 40]},format: wNumb({decimals: 0})});retirementYearsSlideValueElement = document.getElementById('retirementYears');document.getElementById('retirementYears').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;retirementYearsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});retirementYearsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){retirementYearsSlideValueElement.value = thousandSeparator(values[handle]);}});

Assumptions

Expected inflation (0% to 10%) help

Tipped.create("#inflationHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/inflationtable.gif", { ajax: true });

Income replacement at retirement (0% to 300%)

retirementReplacementSlide = document.getElementById('retirementReplacementSlide');noUiSlider.create(retirementReplacementSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'retirementReplacementLabel' }],start: [ document.getElementById('retirementReplacement').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [0],'max': [300]},format: wNumb({decimals: 3,postfix: '%',})});retirementReplacementSlideValueElement = document.getElementById('retirementReplacement'); retirementReplacementSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ retirementReplacementSlideValueElement.value = values[handle];}}); document.getElementById('retirementReplacement').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;retirementReplacementSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Pre-retirement investment return (-12% to 12%) help

Tipped.create("#preRetirementReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

preRetirementReturnSlide = document.getElementById('preRetirementReturnSlide');noUiSlider.create(preRetirementReturnSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'preRetirementReturnLabel' }],start: [ document.getElementById('preRetirementReturn').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [-12],'max': [12]},format: wNumb({decimals: 3,postfix: '%',})});preRetirementReturnSlideValueElement = document.getElementById('preRetirementReturn'); preRetirementReturnSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ preRetirementReturnSlideValueElement.value = values[handle];}}); document.getElementById('preRetirementReturn').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;preRetirementReturnSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Post-retirement investment return (-12% to 12%) help

Tipped.create("#postRetirementReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

postRetirementReturnSlide = document.getElementById('postRetirementReturnSlide');noUiSlider.create(postRetirementReturnSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'postRetirementReturnLabel' }],start: [ document.getElementById('postRetirementReturn').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [-12],'max': [12]},format: wNumb({decimals: 3,postfix: '%',})});postRetirementReturnSlideValueElement = document.getElementById('postRetirementReturn'); postRetirementReturnSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ postRetirementReturnSlideValueElement.value = values[handle];}}); document.getElementById('postRetirementReturn').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;postRetirementReturnSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Social Security

Include Social Security (SS) benefits?

NoYes

Marital status (For SS purposes only)

MarriedSingle

Social Security override amount
(monthly amount in today's dollars) ($) help

Tipped.create("#ssOverrideAmountHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/ssOverride.gif", { ajax: true });

ssOverrideAmountSlide = document.getElementById('ssOverrideAmountSlide');noUiSlider.create(ssOverrideAmountSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'ssOverrideAmountLabel' }],start: [ document.getElementById('ssOverrideAmount').value.replace(",", "")],step: 100,connect: [true, false],range: {'min': [0],'max': [ 5000]},format: wNumb({decimals: 0})});ssOverrideAmountSlideValueElement = document.getElementById('ssOverrideAmount');document.getElementById('ssOverrideAmount').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;ssOverrideAmountSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});ssOverrideAmountSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ssOverrideAmountSlideValueElement.value = thousandSeparator(values[handle]);}});

Calculators For Websites

How Long Will Systematic Withdrawals Last?

You have worked hard to accumulate your savings. Use this calculator to determine how long those funds may potentially last given regular withdrawals.

Savings

Current savings balance ($)

savingsBalanceSlide = document.getElementById('savingsBalanceSlide');noUiSlider.create(savingsBalanceSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'savingsBalanceLabel' }],start: [ document.getElementById('savingsBalance').value.replace(",", "")],step: 1000,connect: [true, false],range: {'min': [0],'max': [ 100000]},format: wNumb({decimals: 0})});savingsBalanceSlideValueElement = document.getElementById('savingsBalance');document.getElementById('savingsBalance').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;savingsBalanceSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});savingsBalanceSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){savingsBalanceSlideValueElement.value = thousandSeparator(values[handle]);}});

Proposed monthly withdrawal amounts ($)

monthlyWithdrawalSlide = document.getElementById('monthlyWithdrawalSlide');noUiSlider.create(monthlyWithdrawalSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'monthlyWithdrawalLabel' }],start: [ document.getElementById('monthlyWithdrawal').value.replace(",", "")],step: 100,connect: [true, false],range: {'min': [0],'max': [ 15000]},format: wNumb({decimals: 0})});monthlyWithdrawalSlideValueElement = document.getElementById('monthlyWithdrawal');document.getElementById('monthlyWithdrawal').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;monthlyWithdrawalSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});monthlyWithdrawalSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){monthlyWithdrawalSlideValueElement.value = thousandSeparator(values[handle]);}});

Assumptions

Annual withdrawal increases (if any) (0% to 40%)

withdrawalIncreasesSlide = document.getElementById('withdrawalIncreasesSlide');noUiSlider.create(withdrawalIncreasesSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'withdrawalIncreasesLabel' }],start: [ document.getElementById('withdrawalIncreases').value.replace('%', '') ], step: 0.125,connect: [true, false], range: {'min': [0],'max': [40]},format: wNumb({decimals: 3,postfix: '%',})});withdrawalIncreasesSlideValueElement = document.getElementById('withdrawalIncreases'); withdrawalIncreasesSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ withdrawalIncreasesSlideValueElement.value = values[handle];}}); document.getElementById('withdrawalIncreases').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;withdrawalIncreasesSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});

Annual before-tax return on savings (-12% to 12%) help

Tipped.create("#beforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true });

Federal marginal tax bracket (0% to 75%) help

Tipped.create("#taxBracketHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/taxtable.gif", { ajax: true });

Desired table display

MonthlyYearly

Calculators For Websites