Investment Planning Calculators

Compare two Social Security claiming ages by month. Use worker benefit factors or your own SSA estimates to find cumulative payouts, present value and the break-even age.

Compare adding home battery storage with solar exports or off-peak grid charging. Include round-trip losses, backup reserve, capacity fade, local rates, payback and NPV.

Compare buying term and investing the premium difference with whole-life guaranteed and illustrated cash value and death-benefit timing.

Compare the financial impact of renting versus buying a home over time. Includes mortgage calculations, tax benefits, opportunity costs, and investment returns.

Compare accelerating an auto loan with investing the same extra cash, while separately modeling vehicle depreciation and underwater periods.

Should you make extra mortgage payments or invest that money instead? Compare guaranteed interest savings vs potential investment returns with comprehensive tax analysis.

Compare refinancing your mortgage versus investing the closing costs. Calculate payback periods, NPV analysis, and see which option maximizes your wealth over time.

Model employer matching, paycheck impact, retirement growth, and after-tax income for traditional and Roth 401(k) contributions.

Compare high-yield savings, certificates of deposit, and Treasury securities using after-tax yield, liquidity, penalties, and changing-rate scenarios.

Compare buying solar panels with a power purchase agreement, lease, and utility-only service using production, rate escalators, financing, incentives, and export credits.

Compare a monthly pension with a lump-sum buyout using COLA, survivor benefits, life-expectancy scenarios, present value, investment fees, inflation, and the required return hurdle.

Compare extra mortgage principal with taxable high-yield savings and brokerage investing using equal cash flow, mortgage deductions, ordinary-income tax, dividends, fees, and capital gains.

Compare selling a home now with keeping it as a rental using net sale proceeds, rental cash flow, mortgage payoff, appreciation, selling costs, and the opportunity cost of equity.

Compare owner-only retirement contribution limits with business profit, an existing W2 job, employee deferrals and age-based catch-up contributions.

Compare leaving a job now with waiting for a 401(k) match, RSUs, bonus, or other compensation to vest. Find the make-whole signing bonus and break-even new salary.

Project investment growth from an initial balance and recurring contributions under different return and compounding assumptions.

Estimate retirement savings needs using income replacement, Social Security, healthcare costs, and a 4% withdrawal assumption.

See the power of compound interest over time with different contribution frequencies and rates.

Compare current and target allocations and create a balanced buy-and-sell trade plan.

Project future education costs and the savings contributions needed to meet them.

Calculate return on investment for business projects, marketing campaigns, or investments.

Compare purchasing power across historical years using official CPI data or project future costs with a custom inflation assumption.

Allocate a shared 401(k) deferral limit across an old job and up to two current plans to capture more employer match without unintentionally exceeding the annual employee limit.

Map monthly HSA contribution room for two spouses across HDHP changes, general-purpose FSAs or HRAs, employer deposits, age-55 catch-ups, and Medicare Part A timing.

Compare even and front-loaded 401(k) contributions and estimate employer match that could be missed when a plan has no true-up.