Personal Finance

  • How much am I spending?
    Where does all the money go? An itemization of your living expenses may help you budget better and plan for future expenses. Use this calculator to help you recall and itemize your living expenses.

  • Should I pay down debt or invest more?
    When you receive some extra money it may be difficult to determine whether you should invest the funds or use them to retire debt. Financial theory recommends that if your after-tax return on investments is greater than your after-tax cost of debt then you should invest. However, remember to consider the inherent riskiness of the investment you select (i.e. you may lose the money you invest yet still have obligations to pay back the liability). Use this calculator to help analyze your situation.

  • How much do I need for emergencies?
    It is prudent planning to have at least three to six months of liquid/cash assets set aside in the event of a loss of job, medical emergency, short-term disability, etc. Use this calculator to help determine how much you need to set aside monthly or as a lump sum to create an emergency fund.

  • What is my current cash flow?
    Businesses generate a sources and uses of cash statement to evaluate their income and expenses and to check profitability. Similarly, a cash flow statement can help you evaluate your personal income and expenses and see if you are running 'in the red or the black' each month.

  • Value of reducing or foregoing expenses?
    Use this calculator to help determine what you could accumulate by reducing or eliminating discretionary monthly expenses.

  • How much should I save to reach my goal?
    What are you saving for: a computer, car, boat, summer home, down payment? Use this calculator to determine what you need to save on a regular basis to have the funds ready when needed.

  • Certificate of Deposit (CD) Analyzer
    Use this calculator to help determine the potential interest growth and tax liability on your Certificate of Deposit.

  • Should I consolidate my personal debt?
    With interest rates at historical lows, it may make sense to consolidate some of your credit card and other personal debt into a new consolidated loan, typically a home-equity loan. Consolidation loans can significantly reduce your required monthly payment because they are generally amortized over 10 or 15 years. Use this debt consolidation calculator to determine how quickly you could get out of debt and how much interest you might save.

  • How long will it take to pay off my credit cards?
    Americans today owe more money than ever before. The fact that 'interest never sleeps' means that the situation will continue to worsen unless steps are taken at the individual level to reduce or eliminate debt. Additional monthly payments can make a difference to accelerate the payoff and save yourself hundreds and thousands in interest payments. Use our calculator to figure out when you can pay off your credit card.

  • How does inflation impact my standard of living?
    Inflation can erode purchasing power. For example, a dollar today cannot buy the same amount of goods and services it could 20 years ago. It will continue to erode purchasing power in the future. Use this calculator to determine the impact inflation may have on your standard of living.

  • How long will my money last?
    You have worked hard to accumulate your savings. Use this calculator to determine how long those funds will last given regular withdrawals.

  • Historical inflation - Compare purchasing power
    If your income does not keep pace with increasing consumer prices then your standard of living can be reduced. Use this calculator to understand how historical inflation has impacted your dollars' purchasing power over the years.

  • How long will it take to double my money?
    Compound interest can have a dramatic affect on the growth of a single deposit. By dividing 72 by your investment return you can determine the amount of time required for your money to be worth about twice as much as it is today.

  • How long until my savings reach my goal?
    Compound interest can have a dramatic affect on the growth of a single deposit. Use this calculator to determine how many years an existing savings account will take to reach your stated objective.

  • Save now vs. save later
    A penny saved is a penny earned, but a penny saved today is a penny earning more. It is important to start saving as soon as possible for events such as retirement due to the impact of compounding. If you start saving now you will need to save considerably less than if you wait a few years. Use this calculator to determine how much extra you will need to save if you wait.

  • Calculate rate of return
    The rate of return (ROR), sometimes called return on investment (ROI), is the ratio of the yearly income from an investment to the orignial investment. The initial amount received (or payment), the amount of subsequent receipts (or payments), and any final receipt (or payment), all play a factor in determining the return. Use this rate of return calculator to calculate these returns.


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.