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Financial Calculators 

Resources to Help Each Step of the Way 

Have questions about planning for retirement, managing debt, building emergency savings, choosing insurance, estate planning, or understanding Social Security?

Explore our easy-to-use financial calculators designed to guide you no matter where you are on your journey.

Workplace Retirement Plan 

A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up.

Use this calculator to determine your Required Minimum Distribution (RMD) and estimate future required distributions.

Quickly determine if your retirement plan is on track - and learn how to keep it there.

401(k)Un plan 401(k) puede ser una de sus mejores herramientas para crear una jubilación segura. Use esta calculadora para ver porque éste es un plan de ahorro para la jubilación que usted no puede dejar pasar.

Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.

Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement.

Use this calculator to determine which 401(k) contribution type might be right for you.

Determine si su plan de jubilación va por buen camino y aprenda como mantenerlo en curso.

Emergency Savings

Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost.

This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.

Entérese cómo las inversiones consistentes a través de los años pueden ser una estrategia efectiva para acumular riqueza.

Healthcare Strategies 

This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.

Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time.

Esta calculadora de Cuentas de ahorros de salud (HSA por sus siglas en inglés) determina la cantidad que a usted se le permite contribuir a su cuenta HSA en el ańo tributario actual.

Insurance & Protection Needs 

How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out.

Use this calculator to determine how much disability insurance you may need to cover expenses if you are unable to work due to illness or injury.

Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense.

¿Cuánto seguro de vida necesita en realidad? ¡Descúbralo aquí!

Additional Assets & Investments

Spending your IRA before you retire can be a costly decision. See how taking out your IRA early could cost you thousands of dollars both in taxes and lost earnings.

Use this calculator to determine which IRA may be right for you.

Use this calculator to estimate your Social Security benefits.

Use this calculator to determine if any of your Social Security benefits are taxable.

¿Cuánto podría recibir del Seguro Social? Use esta calculadora para estimar rápidamente sus beneficios.

Debt Management

Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.

Analyze your budget, see where your money goes and find out where you can improve!

Use this calculator as a starting point for your debt management plan.

¡Analice su presupuesto, fíjese dónde va su dinero y entérese dónde puede mejorar!

Education Savings

Use this calculator to help develop or fine tune your education savings plan.

This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

The Student Loan Consolidation and Debt Payoff calculator applies two simple principles to paying off your Debt; Consolidate your student loans, and use the monthly savings to pay off your other outstanding debt.

Ahorrar para la educación de sus hijos requiere planear a largo plazo.

Legacy & Estate Planning

Use this calculator to determine your potential tax savings with a tax deductible gift to charity. This calculator sorts through the tax brackets and filing options to estimate the actual tax savings of your charitable gift.

Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability.

Conocer su posible impuestos sobre el patrimonio es un excelente punto de partida para comenzar su plan de impuestos sobre el patrimonio. Utilice esta calculadora para conocer su deuda tributaria por el impuesto sobre el patrimonio.

Information and interactive calculators provided by DinkyTown are offered as self-help tools for independent use and are not intended as investment advice. Spectrum Investment Advisors is not affiliated with DinkyTown and does not guarantee the accuracy or applicability of these tools to your individual circumstances. 

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