Calculators

Calculators – Included in the VSA are a wide array (over 100) of calculators designed to help you determine your client’s needs in a given area. It includes calculators for survivors, retirement, long term care, businesses, estate liquidity, charitable giving, financial planning, as well as many specialty calculators, such as Roth versus traditional IRA, Required Minimum Distributions, 72 (t), etc.

See list below:

 

Personal Needs Calculators:
  • Human Life Value Report (Click for "printable" fact finder)
  • Cost of Raising a Child Report
  • Education Funding Analysis
  • Do You Still Have Enough Life Insurance? Report
  • Do You Still Have Enough Disability Income Insurance? Report
Survivor Cash Needs Reports:
  • Single Person (Click for "printable" fact finder)
  • Married Couple (Click for "printable" fact finder)
Survivor Income Needs Reports:
  • Single Parent (Click for "printable" fact finder)
  • Married/Single Income (Click for "printable" fact finder with dependent children under age 18 or without dependent children under age 18)
  • Married/Dual Income (Click for "printable" fact finder with dependent children under age 18 or without dependent children under age 18)
Survivor Cash and Income Needs Reports:
  • Single Parent (Click for "printable" fact finder)
  • Married/Single Income (Click for "printable" fact finder with dependent children under age 18 or without dependent children under age 18)
  • Married/Dual Income (Click for "printable" fact finder with dependent children under age 18 or without dependent children under age 18)
Retirement Analysis:
  • Single Person (Click for "printable" fact finder)
  • Single Income Couple (Click for "printable" fact finder)
  • Dual Income Couple (Click for "printable" fact finder)
  • Long-Term Care Cost Analysis
Estate Planning Calculators:
  • Federal Estate Tax Report
  • Intestacy Calculators (provided by MyStateWill.com)
Business Needs Calculators:
  • Business Valuation Report (Click for "printable" fact finder)
  • Key Employee Valuation Report (Click for "printable" fact finder)
  • Pre-Tax Profit Equivalent Report
  • After-Tax Corporate Cost Report
  • Cost of Group Term Life Insurance Report
  • Estimated Corporate Alternative Minimum Tax Report
  • Self-Employed Qualified Retirement Plan Contribution Report
Employee Benefit Calculators:
  • Compensation and Benefit Statement (A "Second Paycheck" Statement)
Charitable Planning Calculators:
Gifts that Provide the Donor with Income:
  • Charitable Gift Annuity [Immediate]
  • Charitable Remainder Annuity Trust [Lives|Term]
  • Charitable Remainder Unitrust [Lives|Term]
  • Pooled Income Fund [Lives]
Gifts that Provide Income to Charity:
  • Charitable Lead Annuity Trust [Lives|Term]
  • Charitable Lead Unitrust [Lives|Term]
Gifts with Retained Use:
  • Life Estate Agreement [Lives|Term]
Additional Online Resources:
  • Social Security Online: The Social Security Administration has an excellent series of calculators that can be used to estimate Social Security retirement, disability and survivor benefits. http://www.ssa.gov/planners/calculators.htm
  • SEC Mutual Fund Fees and Expenses Calculator: You can compare the fees and expenses of up to three mutual funds, or the share classes of the same mutual fund on the NASD’s Mutual Fund Expense Analyzer. You can also compare the fees and expenses of up to three ETFs using the same tool. http://www.sec.gov/investor/tools/mfcc/mfcc-int.htm
  • IRS Withholding Calculator: Can be used to ensure that the correct amount is withheld from pay. http://www.irs.gov/individuals/article/0,,id=96196,00.html
  • CPI Inflation Calculator: Provided by the Bureau of Labor Statistics (BLS); can be used to calculate the value of current dollars in an earlier period, or to calculate the current value of dollar amounts from years ago. http://www.bls.gov/bls/inflation.htm
  • FAFSA4caster: The federal government has an online tool available to help families predict the amount of federal financial aid they may qualify to receive to help pay for college education costs. http://www.fafsa4caster.ed.gov

Insurance:
  • Disability Insurance
  • HSA Contribution Calculator
  • HSA Savings Calculator
  • HSA Employer Benefit
  • Life Expectancy
  • Long Term Care Calculator
Saving/Investing:
  • Benefit of Spending Less
  • Compare Savings Rates
  • Compound Interest and Your Return
  • Cool Million
  • Don't Delay Your Savings!
  • Investment Returns
  • Lunch Savings
  • Mutual Fund Expense Calculator
  • Savings Calculator
  • Savings Distribution Calculator
  • Savings Goals
  • Savings, Taxes and Inflation
  • Taxable vs. Tax Advantaged Investments
Home Financing:
  • Adjustable Rate Mortgage Calculator
  • ARM vs. Fixed Rate Mortgage
  • Balloon Mortgages
  • Bi-weekly Payment Calculator
  • Maximum Mortgage
  • Mortgage Comparison: 15 years vs. 30 years
  • Mortgage Loan Calculator
  • Mortgage Payoff
  • Mortgage Qualifier
  • Mortgage Required Income
  • Mortgage Tax Savings Calculator
  • Refinance Breakeven
  • Refinance Interest Savings
  • Rent vs. Buy
Loans:
  • Amortizing Loan Calculator
  • Equity Line of Credit Payments
  • Line of Credit Payoff
  • Loan Comparison Calculator
Retirement:
  • 2010 Roth Conversion Calculator (with "what if" scenarios)
  • 401(k) Savings Calculator
  • 401(k) Spend It or Save It Calculator
  • 403(b) Savings Calculator
  • 457 Savings Calculator
  • 72(t) Calculator
  • 72(t) Distribution Impact
  • Beneficiary Required Minimum Distributions
  • Life Expectancy
  • Pension Plan Retirement Options
  • Required Minimum Distributions
  • Retirement Income
  • Retirement Shortfall
  • RMD & Stretch IRA Calculator
  • Roth 401(k) or Traditional 401(k)?
  • Roth IRA Calculator
  • Roth IRA Conversion
  • Roth vs. Traditional IRA
  • Traditional IRA Calculator
Personal Finance:
  • Basic Financial Calculator
  • Home Budget
  • Net Worth
Credit Cards and Debt Management:
  • Accelerated Debt Payoff
  • Consolidation Loan Investment Calculator
  • Credit Card Minimum Payment Calculator
  • Credit Card Pay Off
  • Personal Debt Consolidation
Auto Calculators:
  • Auto Loan Early Payoff
  • Auto Loans
  • Auto Rebate vs. Low Interest Financing
  • Home Equity vs. Auto Loan
  • Lease vs. Buy
  • Low Interest Financing Savings
Business Calculators:
  • Breakeven Analysis
  • Cash Flow Calculator
  • Debt Consolidation Calculator
  • Equipment Buy vs. Lease
  • Financial Ratios
  • Profit Margin Calculator
  • Working Capital Needs