Financial Calculators | Jovetee Conzults, LLC

Automobile

Cashflow

Does inflation impact my standard of living?

How much am I spending?

How much do I need for emergencies?

Pay down debt or invest more?

How long will my money last?

Should my spouse work?

What is my current net worth?

What is my projected net worth?

What is my current cash flow?

What is my projected cash flow?

Value of reducing or foregoing expenses

Historical inflation – compare purchasing power

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College

How much should I be saving for college?

Can I pay back my student loans?

Will I be able to pay back my student loans?

Advantages of the Coverdell ESA.

Advantages of a 529 College Savings Plan

What is the value of a college education?

What are the payments on a parental (PLUS) loan?

The value of a college education?

Payments on a parental (PLUS) loan?

Live on campus, off campus or at home?

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Credit

How long will it take to pay off my credit card(s)?

How long until my loan is paid off?

What would my loan payments be?

Which is better, cash up front or payments over time?

What is the impact of making extra debt payments?

Should I pay off debts or invest the money?

What is the balance owing on my loan?

Consolidate my personal debt?

Re-structuring debts for accelerated payoff

Cash up front or payments over time?

Estimate my credit score

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Home & Mortgage

Comprehensive mortgage calculator

Should I convert to a bi-weekly payment schedule?

What are the tax savings generated by my mortgage?

Compare an interest-only versus the traditional mortgage

How much home can I afford?

Should I refinance my home mortgage (break even)?

Comparing mortgage terms (i.e. 15, 20, 30 years)

Should I pay discount points for A lower interest rate?

Should I rent or buy a home?

Which is better: fixed or adjustable-rate mortgage?

Adjustable rate mortgage calculator

How do closing costs impact the interest rate?

Compare an interest-only versus the traditional mortgage

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Insurance

What is my life expectancy?

What are the chances of becoming disabled?

How much will I earn in my lifetime?

What are the tax advantages of an annuity?

How long will my current life insurance proceeds last?

How much life insurance do I need?

Needs for burial and final expenses?

How much disability income insurance do I need?

Long-term care insurance needs

Future value of an annuity?

Which Is Better, Comprehensive Plan Or High-Deductible Plan With HSA?

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Paycheck

Convert my salary to an equivalent hourly wage.

Convert my hourly wage to an equivalent salary.

How much is my company bonus after taxes?

How will payroll adjustments affect my take-home pay?

Future value of my employee stock options?

Exercise my “in-the-money” stock options?

What may my 401(k) be worth?

Impact of increasing my 401(k) Contribution?

What may my 457 Plan be worth?

Impact of increasing my 457 Plan Contribution?

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Qualified Plans

Evaluate my company pension payout options

How much can I contribute to an IRA?

Retirement income from my IRA provider?

Convert to a Roth IRA?

Qualified plan is worth what retirement?

Current year required minimum distribution?

Projected required minimum distributions?

Lump sum distribution options?

Maximize my employer 401(k) match?

Impact of borrowing from my 401(k) plan?

Impact of early withdrawal from my 401(k)?

I’m self-employed, how much can I contribute to a retirement plan?

Net Unrealized Appreciation (NUA) vs. IRA Rollover?

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Retirement

Will retirement impact my living expenses?

How much will I need for retirement?

Are my current retirement savings sufficient?

Social security retirement income estimator

How does inflation impact my retirement income needs?

Convert discretionary expenses to savings

When should I begin saving for retirement?

Convert discretionary expenses to savings?

How much retirement income may my 401(k) provide?

Compare a Roth 401(k) to a Traditional 401(K)

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Savings

Becoming a millionaire

Income generated by a savings plan

How long will it take to double my money?

How long until my savings reach my goal?

Save now vs. save later

How much should I save to reach my goal?

What will my current savings grow to?

Calculate rate of return

How do taxes and inflation impact my return?

What is my effective annual yield?

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Taxes

Federal income tax estimator

How much self-employment tax will I pay?

What is my taxable-equivalent yield?

Tax refund estimator

Tax freedom day

What is my potential estate tax liability?

Should I adjust my payroll withholdings?

Will my investment interest be deductible?

Compare taxable, tax-deferred, and tax-free growth

How much of my social security benefit may be taxable?

Tax implications of paying interest?

Itemize or take the standard deduction?

Tax refund estimator

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