Calculators

You want to save more, but where can you find the money to put away? This tool can help you analyze your current spending and possibly find ways to save more. It can also help provide general spending guidelines by category as a percentage of your monthly income.

Do you have enough in savings to cover a minor emergency or bridge the gap caused by a job loss? Use this calculator to determine how much is suggested for your emergency fund.

Calculate approximately what percentage of your current income you’ll need in retirement to cover your desired retirement lifestyle.

Thinking about taking a loan from your employer sponsored retirement plan? Before you do, consider the risks and potential costs of doing so with this calculator.

Please note: Not all plans offer loans. Please refer to your plan rules for more information.

Calculate the effects of withdrawing the assets from your retirement savings before reaching retirement.

This calculator helps you estimate how much of your savings you can afford to spend in retirement each year based on how long you want your savings to last.

Calculate the amount of mandatory withdrawals from IRAS after age 72 (if you were born before January 1, 1951) or age 73 (if you were born after January 1, 1951).

Determine if your savings are on track for retirement. If not, estimate how much you may need to save each year to reach your goal.

Eligible for a pension? Our pension calculator can help provide you with a high-level estimate of the benefit you may be eligible to receive.

Please note: Not all plans offer pensions. Please refer to your plan rules for more information.

Determine if a rollover is the right option for you. Explore the options for rolling over your retirement account to another qualified account or cashing out your retirement savings.

Which contribution is right for you, traditional or Roth?

Does converting pretax savings to Roth make sense for you? See an estimate of the tax implications of converting to Roth with this calculator.

Estimate how much money you will earn from your investments over time based on the amount of money you invest and the expected rate of return.

Have a health savings account (HSA)? Explore how much more money you could potentially earn over time by investing a portion of your eligible HSA balance

Please note: Not all plans offer HSAs. Please refer to your plan rules for more information.

Determine whether your college savings are on track and, if not, how much you may consider investing each year to reach your savings goal.

Should you pay off debts with the highest interest rate or the smallest balance first? This calculator can help you determine how much interest you could save by using one method over the other.

Trying to determine if it’s better to invest any extra money you have or use it to pay off debt? Use this calculator to explore how your rate of return could compare to the cost of your debt.

Can you save more for your future by refinancing your student loan? Explore how refinancing could affect your monthly payment and potentially help you to save more.

Want to find money to save more for retirement? Calculate the potential savings from refinancing a mortgage.

Calculate how much life insurance you may need based on your current financial situation.