TOOLS
Budgeting
Affordability: Can One of You Afford to Quit?
Before deciding to live on only one income -- to take care of children, go back to school or even start a business -- a two-income family must consider a number of questions. First, can you afford to quit? Besides the reduction of income, you could face a new set of expenses and have to re-examine your saving goals and priorities. This worksheet will help you develop a snapshot of your cash flow before and after these adjustments.
Budget: A Budget For Today and Tomorrow
Use this worksheet to get on top of your monthly living costs by projecting expenditures in various categories, and then comparing those projections to what you actually spend.
Cashflow: Your Cash Flow For the Past Year
Monitor your cashflow by comparing your Total Income and Total Expenditures.
Mortgage Payments: How Much Will My Monthly Mortgage Payments Be?
This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate.
Net Worth: What's Your Net Worth?
Calculating your net worth is a great way to take a barometer reading on the current state of your finances. This worksheet is a balance sheet for determining net worth.
Business
Start-up Costs: How Much Will it Cost to Start My Business?
Use this calculator to provide a rough estimate of what costs you may incur when starting your own business.
Retirement
401K: Boosting Your 401(k) Contributions
Use this calculator to see how additional contributions to your 401(k) plan can add up over time.
Annuities: Should I Switch My Annuity?
This calculator will help you determine if you should switch from one variable annuity to another.
Stocks
Risk: Test Your Risk Tolerance
Many factors play into how much risk you can afford to have in your portfolio. This worksheet is designed to determine some of those factors and demonstrate how their combination will affect your investment choices.
Taxes
Flexible Spending Account: How much should I put in my flexible spending account?
This calculator will estimate your 2005 tax savings if you use your employer’s flexible spending plan to pay for medical and/or dependent care expenses.
Storm Damage: Can you deduct your property damage?
The U.S. government offers some tax relief to victims of disasters who suffer uninsured property damage. This claculator will help you determine if you can take advantage of this write-off.
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Tools
