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#### English Consumer Calculators

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#### Cash Flow Calculators

- bud01: How does inflation impact my standard of living?
- bud02: How much am I spending?
- bud03: How much do I need for emergencies?
- bud04: Should I pay down debt or invest my monthly surplus?
- bud05: How long will my money last with systematic withdrawals?
- bud06: Should my spouse enter the work force?
- bud07: What is my current net worth?
- bud08: What is my projected net worth?
- bud09: What is my current cash flow?
- bud10: What is my projected cash flow?
- bud11: What is the value of reducing, postponing or foregoing expenses?
- bud12: Historical inflation - Compare purchasing power
- bud13: Balance My Checkbook

#### College Calculators

- col01: How much should I be saving for college?
- col02: Will I be able to pay back my student loans?
- col03: What are the advantages of a Coverdell ESA?
- col04: What are the advantages of a 529 college savings plan?
- col05: What is the value of a college education?
- col06: What are the payments on a parental (PLUS) loan?
- col07: Should I live at home, on campus, or off campus?
- col08: When should I begin saving for my child's college?

#### Credit & Debt Calculators

- det01: How long will it take to pay off my credit card(s)?
- det02: How long until my loan is paid off?
- det03: What would my loan payments be?
- det04: Do I have too much debt?
- det05: What is the balance on my loan?
- det06: Should I consolidate my personal debt into a new loan?
- det07: Restructuring debts for accelerated payoff
- det08: Which is better: Cash up front or payments over time?
- det09: What is the impact of making extra payments on my debt?
- det10: Should I pay off debt or invest?
- det11: Should I transfer my credit card balances?

#### Home & Mortgage Calculators

- hom01: How much home can I afford?
- hom02: Should I refinance my mortgage?
- hom03: Mortgage calculator
- hom04: Comparing mortgage terms (i.e. 15, 20, 30 year)
- hom05: Should I pay discount points for a lower interest rate?
- hom06: Should I rent or buy a home?
- hom07: Should I convert to a bi-weekly payment schedule?
- hom08: Compare a 'no-cost' vs. traditional mortgage
- hom09: What are the tax savings generated by my mortgage?
- hom10: Which is better, fixed or adjustable-rate mortgage?
- hom11: Adjustable rate mortgage calculator
- hom12: How do closing costs impact the interest rate?
- hom13: Compare an interest-only vs. traditional mortgage
- hom14: How much can I borrow from my home equity (HELOC)?
- hom15: Loan Comparison Calculator

#### Taxation Calculators

- inc01: What is my potential estate tax liability?
- inc02: 2016 federal income tax calculator
- inc03: Should I adjust my payroll withholdings?
- inc04: Will my investment interest be deductible?
- inc05: How much self-employment tax will I pay?
- inc06: Capital gains (losses) tax estimator
- inc07: Compare taxable, tax-deferred, and tax-free investment growth
- inc08: How much of my social security benefit may be taxed?
- inc09: What are the tax implications of paying interest?
- inc10: Should I itemize or take the standard deduction?
- inc11: What is my tax-equivalent yield?
- inc12: 2016 tax refund estimator
- inc13: Tax freedom day
- inc13: Trump tax reform calculator

#### Insurance Calculators

- ins01: How much life insurance do I need?
- ins02: What is my life expectancy?
- ins03: What are my needs for burial and final expenses?
- ins04: How much disability income insurance do I need?
- ins05: What are the chances of becoming disabled?
- ins06: What are my long-term care insurance needs?
- ins07: How much will I earn in my lifetime?
- ins08: What are the tax advantages of an annuity?
- ins09: How long will my current life insurance proceeds last?
- ins10: What is the future value of an annuity?
- ins11: Which is better, comprehensive plan or high-deductible plan with HSA?
- ins12: Compare a taxable investment to a tax-deferred investment

#### Paycheck & Benefits Calculators

- pay01: How much will my company bonus net after taxes?
- pay02: How will payroll adjustments affect my take-home pay?
- pay03: Convert my salary to an equivalent hourly wage
- pay04: Convert my hourly wage to an equivalent annual salary
- pay05: What is the future value of my employee stock options?
- pay06: Should I exercise my 'in-the-money' stock options?
- pay07: What may my 401(k) be worth?
- pay08: What is the impact of increasing my 401(k) contribution?
- pay09: What may my 457(b) be worth?
- pay10: What is the impact of increasing my 457(b) contribution?
- pay11: What may my 403(b) Plan be worth?
- pay12: What is the impact of increasing my 403(b) contribution?

#### Qualified Plans Calculators

- qua01: Evaluate my company pension payout options
- qua02: How much can I contribute to an IRA?
- qua03: How much retirement income may an IRA provide?
- qua04: Should I convert to a Roth IRA?
- qua05: What will my qualified plan(s) be worth at retirement?
- qua06: What is my current year required minimum distribution?
- qua07: What is my projected required minimum distributions?
- qua08: What are my lump sum distribution options?
- qua09: How do I maximize my employer 401(k) match?
- qua10: What is the impact of borrowing from my retirement plan?
- qua11: What is the impact of early withdrawal from my 401(k)?
- qua12: I'm self-employed, how much can I contribute to a retirement plan?
- qua13: Net unrealized appreciation (NUA) vs. IRA rollover?
- qua14: What are my Stretch IRA distributions?
- qua15: 72(t) early distribution analysis

#### Retirement Calculators

- ret01: How will retirement impact my living expenses?
- ret02: How much will I need to save for retirement?
- ret03: Are my current retirement savings sufficient?
- ret04: Social security retirement income estimator
- ret05: How does inflation impact my retirement income needs?
- ret06: I'm retired, how long will my savings last?
- ret07: When should I begin saving for retirement?
- ret08: Should I convert discretionary expenses to savings?
- ret09: How much retirement income may my 401(k) provide?
- ret10: Compare a Roth 401(k) to a Traditional 401(K)

#### Saving Calculators

- sav01: Becoming a millionaire
- sav02: Income generated by a savings plan
- sav03: How long will it take to double my savings?
- sav04: How long until my savings reach my goal?
- sav05: Save now vs. save later
- sav06: How much should I save to reach my goal?
- sav07: What could my current savings grow to?
- sav08: Calculate rate of return
- sav09: How do taxes and inflation impact my investment return?
- sav10: What is the effective annual yield on my investment?

#### Investment Calculators

- inv01: How should I allocate my assets?
- inv02: Compare taxable vs. tax-free investment return
- inv03: What is the value of a bond?
- inv04: What is the return on my real estate investment?
- inv05: What is the value of compound interest?
- inv06: What is the value of a call or put option?
- inv07: Taxable vs. tax-advantaged savings?
- inv08: What is my risk tolerance?
- inv09: What is the long-term impact of increased investment return?
- inv10: Certificate of deposit (CD) analyzer
- inv11: What is the dividend yield on a stock?
- inv12: How do expenses impact mutual fund returns?
- inv13: Certificate of deposit (CD) laddering strategy
- inv14: Share Certificate analyzer
- inv15: Share Certificate laddering strategy

#### Auto Calculators

- aut01: Should I lease or purchase an auto?
- aut02: Auto purchase - Loan versus 0% dealer financing?
- aut03: What would my auto payments be?
- aut04: Should I upgrade to a more fuel efficient vehicle?
- aut05: Auto loan - Accelerated payoff
- aut06: How much vehicle can I afford?
- aut07: Should I refinance my auto loan at a lower rate?
- aut08: How much can I lower my monthly payment with a new auto loan?

#### Business Calculators

- bus01: What are the tax savings of a qualified retirement/cafeteria plan?
- bus02: What are my new business startup costs?
- bus03: Should I pay or charge monthly, quarterly or annually?
- bus04: What is the value of my business?
- bus05: How many units do I need to sell to breakeven?
- bus06: Should I lease or buy equipment?
- bus07: What are my business financial ratios?
- bus08: What is my employee total compensation package worth?
- bus09: What are my tax savings with Section 179 deduction?

#### Other Calculators

- det14: What is my credit score?
- cus35: Add, Subtract, Multiply, Divide