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Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. This calculator helps you weed through the fees, taxes and monthly payments to help you make a decision between these two options.

Your net worth is the value of all of your assets, minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. If you owe more than you own, you have a negative net worth. 

Interactive calculators

Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

Interactive calculators

Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

Estate tax planning is very important to preserving your wealth for future generations. Knowing your potential estate tax liability is a great place to start your estate tax plan.

Contributing to a Roth IRA could make a difference in your retirement savings. There is no tax deduction for contributions made to a Roth IRA; 

Interactive calculators

Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances.

An employer-sponsored retirement savings account could be one of your best tools for creating a secure retirement. It provides two important advantages.

Do you wonder how much you might receive in Social Security? Use this calculator to help you estimate your Social Security benefits. Remember, this is only an estimate. Your actual benefits may vary depending on your actual work history and income.

Interactive calculators

Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

Internal Revene Code sections 72(t) and 72(q) provide for tax-penalty-free early withdrawals from retirement accounts under certain circumstances.

Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you.

Interactive calculators

Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied.

The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually;

Interactive tools and calculators

Our interactive tools can assist you in your unique financial planning needs. Interactive calculators are made available as self-help tools for independent use and are not intended to provide investment or tax advice, either expressed or implied. 

Use this calculator to determine your Required Minimum Distribution (RMD). The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from some types of retirement accounts annually. 

Whether your idea of golden years perfection is training for an Ironman, launching a business, watching a ball game in every U.S. state, or simply spending more time with family and friends, retirement offers a unique opportunity to replace the nine-to-five with something vivifying, meaningful, and new.

Need to fix your mix?

You’ve probably heard of the terms “asset allocation” and “diversification.” They sound complicated, but really, the concepts are quite simple.

What’s the value of 1? If you guessed $1 million then it’s likely you’re in on a little-known secret that helps the most savvy of savers effectively prepare for their golden years.

When Americans think about growing older, many of them feel worried, according to research. They worry about their health, being a burden to their families, and not having a purpose.

What goes up must also come down. That’s true of Newton’s apples, your favorite wooden roller coaster, and — inevitably — the stock market.

Of course, different investors handle market ups and downs differently. Some are up for riding the drops like a coaster aficionado while others cling to the handlebars, wishing for a smoother ride.

The more you understand about money, the better equipped you are to prepare for retirement. That’s the conclusion from a number of studies that have been conducted to explore the link between financial literacy and retirement preparedness over the past decade, by academics and financial experts.

What will it take to help reach your savings goals? This financial calculator helps you find out. Enter in your savings plan and view graphically your financial results. Click the report button to get more information about your plan, and what you can do to make sure that it is on track.

If available in your employer's plan, the 401(k) Roth allows you to contribute to your 401(k) account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. 

Many experts believe that long-term investment success is more a function of how assets are allocated among asset classes rather than the individual securities in which they are invested.

Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars. This calculator helps show you how much postponing your savings plan can really cost.

Saving for your children's education requires a long-term plan. And, like saving for retirement, the earlier you start your plan the better. Use this calculator to help develop or fine-tune your education savings plan. Click the "View Report" button for a detailed look at the results.  

In 1997, the Roth IRA was introduced. This new IRA allowed for contributions to be made on an after-tax basis and all gains (or growth) to be distributed completely tax-free.

Although it’s true there’s really no bad time to start investing, it can be tricky to figure out how to siphon off funds from other areas of your budget and redirect them to your future needs.

It’s never too soon to start saving for retirement but if you want to retire early, you’ll likely have to do some extra planning. 

Everyone needs to consider their retirement strategy. A great place to start is enrolling in your employer-sponsored retirement plan.

In 2022, the Federal Reserve raised the federal funds rate 7 separate times. Is it any wonder investor concerns are rising, too?

But is it really a time to worry? Or is it an opportunity to capitalize?

Small saving moves now can significantly impact early retirement outcomes.

A large influx of funds—an annual bonus, inheritance or capital gains from a property sale—can move the early retirement savings needle, but it’s everyday savings habits that can have the biggest impact. 

No matter your age or wealth, when you step into retirement there’s one overarching concern that most people have: running out of money. 

When planning for your financial future, it's crucial to account for those little expenses that sometimes blindside you - like medical expenses or car repairs. Sometimes those little expenses turn into big expenses and you need a little more to cover the cost.

Managing your nest egg isn’t one distinctive event – it’s an ongoing process that needs to reflect life’s changes throughout retirement.

Multitasking is bad for productivity: If you’re in a meeting trying to send out emails while listening to the speaker, chances are one of those tasks is going to suffer. You need to give one task your full attention. But when it comes to your money, multitasking is a necessity.

Two questions I hear a lot from people who aren’t retired are: “When can I retire?” and “How much money do I need to retire?” They’re really variations of the same question. It’s the wrong question to ask, because most people approach the retirement-date question from the wrong direction.

Historically markets rise, fall a bit, then rise again. That volatility may be difficult to stomach, particularly for the risk averse, but it’s also what creates buying and selling opportunities (another axiom: buy low, sell high!) for savvy portfolio managers.

How much is enough?

Regardless of your current income, your 20s and 30s is the best time to start building for your future. But investing for a retirement that's 40 years away - all while trying to pay down student debt, save for a home, pay for a wedding or meet other important expenses - can feel overwhelming.

In our busy lives as working women managing our careers, family, and financial priorities, we tend to put the needs of others before ourselves.

Women are the lifestyle leaders inventing the future of retirement. For a variety of reasons, women are generally better at aging than men. They are more dynamic, take on more roles and duties, and are more clear-sighted in regard to the new frontier of longevity—and they also live longer. 

Many Americans do not have an accurate understanding of their finances. For example, research from Mint shows that three out of five Americans didn’t know the amount of money they spent the previous month.

Your 40s may not seem like the time to buckle down and get serious about retirement. But if your savings are nonexistent, it means you have plenty of work to do.

While retirement certainly brings about its share of unknowns, perhaps the most daunting prospect associated with this stage of life is the potential to run out of money.

You probably heard about Michael Rotondo, the 30-year-old New Yorker recently ordered by a judge to vacate his parents’ home. The story made national news — and for good reason. The notion of a young person “failing to launch” is every parent’s nightmare.

Besides the obvious benefits of being in a loving relationship, being part of a couple means you have double the power to accomplish those less-than-ideal tasks in life. Everything from doing chores to planning a social calendar can now become a team effort.

The decade before you retire is often crunch time for many would-be golden agers. It’s often a last- chance opportunity to fine-tune a plan that can set a successful retirement in motion.

With today's economic uncertainty and market volatility, it's important to understand the emotions that drive your investing decisions. Whether it's greed, fear, optimism or something else, knowing what motivates you can help you avoid making mistakes.