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Flexible Spending Account (FSA) Calculator

A Flexible Spending Account (FSA), sometimes referred to as a "Cafeteria Plan" or "Section 125 Cafeteria Plan," helps you keep more of your paycheck by reducing your Federal and state taxes. It allows you to pay certain expenses before taxes are deducted from your paycheck. These expenses include daycare, insurance premiums and many out-of-pocket medical costs. Use this FSA calculator to see how participating in your employer's FSA can help you pay less tax, and increase your net take home pay.

Roth (after-tax) Account or Pre-Tax Account?

The main difference between the pre-tax and Roth 401(k) is whether you pay taxes now (Roth) or at the time you withdraw the money (pre-tax). Use this calculator to help determine which type of retirement account may be the best option for your retirement.

Retirement Planning Calculator

Use this retirement calculator to find out how much money you might need in retirement and whether your current savings plan could get you to your goal.

Roth IRA Conversion Calculator

Does converting to a Roth IRA make sense for you? Use our Roth IRA Conversion Calculator to compare keeping your Traditional IRA vs. converting it to a Roth IRA.

403(b) Savings Calculator

It may surprise you how significant your retirement accumulation may become by simply saving a small percentage of your salary each month in your 403(b) plan. Use this calculator to estimate how much your plan may accumulate for retirement.

Life Expectancy Calculator

Want to know your life expectancy? You can use our simple Life Expectancy Calculator to get a rough estimate of how long you (or your spouse) may live. Knowing this information can help you make a more informed decision regarding when to collect retirement benefits.

Retirement Income Calculator

How much income will you need in retirement? Are you on track? Compare what you may have to what you will need. Use the calculator sliders to see how small changes today could affect your financial future.

Social Security Calculator

Figure out how much retirement income you'll receive at different claiming ages so you can determine when you should claim Social Security. Can you afford to "retire early" and claim benefits at age 62, should you wait until your full retirement age, or can you wait until age 70 in order to receive the largest possible monthly benefit?

Retirement Shortfall Calculator

One of the biggest risks to a comfortable retirement is running out of money too soon. This calculator helps you determine your projected shortfall or surplus at retirement. You can also see just how long your current retirement savings will last. If your results project a shortfall, you might need to save more, earn a better rate of return, or possibly delay your retirement.

401(k) Spend It or Save It Calculator

There are several ways to manage your 401(k) balance when you leave an employer. The most fundamental question is whether to spend it or save it. Depending on your age and tax bracket, making the wrong decision can cost you thousands of dollars both in taxes and lost earnings. This calculator helps illustrate the difference.

Asset Allocation Calculator

The asset allocation calculator is designed to help you create a balanced portfolio of investments. Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio.

College Savings Calculator

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.

Recover Time Calculator

As we know, the stock market has its ups and downs, and plunges can definitely be unsettling. When your investments take a hit, how long might it take to recover your personal economy? Use this calculator to get a clearer picture.