Our tools section includes financial calculators to help guide you with your financial planning activities. Please remember that these calculators use approximations for hypothetical and illustrative purposes only, and are not meant to replace professional investment advice.

There are many variables to consider when analyzing one's finances, not all of which can be captured within these tools. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances.

Calculators and their definitions:

• College Funding
  This calculator will help you to determine how much money you need to invest on a monthly basis now, in order to be able to pay for your child's college education by the time they are ready to start college. The calculator allows you to choose between In-State and Out-of-State, between Resident and Commuter and between Public or Private -- and adjusts the estimated costs according to those selections.
• Savings Goals
  This calculator will help you to figure how much your current savings will grow and how much more you'll need to save each month in order to achieve a given savings goal within a given number of years.
• Retirement Savings
  Use this calculator to compute how much you would need to have invested in order to withdraw a specified amount each year over the course of a specified period of time.
• Debt Investment
  Use this JavaScript Calculator to see how much you could be earning if you increased your payment on any one of your debts.
• Variable Compounding
  This calculator not only allows you to compute and compare the forecasted interest earnings on various investment scenarios, but it also allows you to choose the deposit and compounding intervals.
• Bi Weekly Mortgage
  This calculator will show you how much you will save if you make 1/2 of your loan payment every two weeks instead of making a full loan payment once a month
• Mortgage Payoff Goal
  This calculator will show you the additional monthly payment you will need to make on your current mortgage in order to pay if off within a specified number of years. It will also show you how much interest you will save if you make the calculated additional payment each month, from now until your mortgage is paid off.
• Budget
  This calculator will compute your recommended budget amounts for an income period you enter. The suggested percentage guidelines are based on net income compiled by Dave Ramsey, author of Financial Peace (Viking, 1997).
  
• Irregular payments
  This calculator will convert your non-monthly payments into their monthly equivalents, and then provide you with a total. This total will represent how much you will need to set aside each month to make your non-monthly payments as they come due.
  
• Loan Comparison
  Use this calculator to compare multiple loans versus each other
  
• Loan with Amoritization
  This calculator will compute a loan's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate. Then, once you have computed the monthly payment you can also create and print out the loan's amortization schedule.

Note: These calculators were tested using JavaScript enabled Netscape Navigator 3.01 (or higher) and Internet Explorer 3.01 (or higher). If the calculators fail to work for you, check to make sure your browser has JavaScript turned on. If it still doesn't work, we suggest you visit either the Netscape site or the Microsoft site and download a copy of their latest version

DO NOT use dollar signs or commas when you type in calculator numbers, only use numbers and decimal points.