These are links to online calculators that I find particularly useful and which I recommend.

Note: I have absolutely no financial connection with any of the websites listed below. Some offer reprints of articles I have written; other offer links to buy my books. But I have accepted no money or other services for mentioning them.

Select a Calculator

S&P Return Calculator

Want to see the return of the S&P 500 — with and without dividends, and adjusted for inflation — between any two individual days? Click on this easy calculator to compare the performance of “the market” with your own investment returns!

How long will you live?  Financial planning would be easier if you knew! This website created by the Society of Actuaries will help you figure it out and plan appropriately.

Fidelity’s New Retirement Score Calculator

Answer six easy questions, and this calculator will tell you where you stand (and what you can do) to be ready for retirement!

Best Calculators for Personal Finance

Sophisticated calculators for everything from “present value” of future payments from annuities to bond yields to maturity to loan and lease calculators. is the place to start if you’re looking for basic financial calculators.

How Long Will You Live?

Financial planning for retirement would be easy if you knew how long your retirement is likely to last! Use this quiz/calculator to get a good prediction – but be honest when it asks how much exercise you get!

How Much Money Do I Need to Retire? is sponsored by the non-profit Employee Benefit Research Institute. Their “ballpark estimator” tool is the easiest way to see if you’re saving enough for your desired retirement.

Financial Literacy Quiz

Are you financially literate? Take the quiz — one of many great tools and calculators at Northwestern Mutual’s website.

Credit Card Balance Paydown Calculator

Bankrate’s Credit Card Debt Calculator lets you enter all balances, organize repayments to pay down debt faster with less interest.

College Cost Calculators

At you can find every calculator you need to project college costs, loan repayments, and model financial aid contributions.

Compare Student Loans

At you can search and compare student loan options, including private student loans – and learn how long it will take to repay the loan, and the overall cost including interest.

Vanguard’s Nest Egg Calculator

Vanguard’s Nest Egg calculator lets you change inputs to figure out how long your money will last in retirement!

Stock & Mutual Fund Screener provides a wealth of portfolio tools, even at the free membership level. Just sign up to create your own private access, and use one of their many screening and comparison tools for individual stocks, ETFs, mutual funds, and 529 college savings accounts.

Calculate Minimum Required Distributions

When you reach age 70-1/2 you must take minimum required withdrawals. Use this calculator at to get a rough idea how much you must withdraw based on year-end balances. (But talk with one of your IRA custodians to get the specific withdrawal amount, based on ALL your retirement account balances.)

How Much Life Insurance Do I Need?

Easy calculator at to see how much life insurance coverage you need, based on your income, age, dependents, and inflation.

Mortgage Amortization Calculator

Want to see how the monthly payment would change if you want to pay down your loan faster? Use this calculator to see when your mortgage would be paid off.

Long Term Care Insurance Needs Calculator

Genworth’s calculator shows you how much this type of care is likely to cost you, based on your city and state – and how much insurance you need to mitigate these costs.

Tax-Free Bond Equivalents

Should I buy a taxable bond, or a tax-free bond with a slightly lower yield? It all depends on your tax bracket. Use this Morningstar calculator to get the answer.

How Much Should You Be Saving?

Are you on track to save enough for retirement?  Or will your standard of living fall dramatically when you retire?  This calculator created by the Employee Benefit Research Institute is easy to use, and will show you how much more you should be saving, based on your age, estimates of longevity, and risk tolerance.

When to take Social Security Benefits?

Wondering when to start/how to maximize your SS benefits, and those of your spouse? This calculator from T. Rowe Price will help you make the smartest decision based on your own goals.