Financial Calculators and Software
We have a suite of powerful Financial Calculators and Software which we designed to support your financial planning journey. Each of our proprietary software solutions offers precise, detailed analysis tailored to your unique financial situation, ensuring that every decision you make is informed and aligned with your long-term goals.
From optimizing mortgage payoff strategies and maximizing Social Security benefits to planning for college expenses and managing debt, our tools cover a broad spectrum of financial needs. Whether you’re evaluating life insurance, considering a Roth conversion, or planning for retirement, our software provides the clarity and insights you need to make confident, strategic decisions.
Explore our comprehensive range of financial calculators and software below, each designed to help you achieve financial security and peace of mind.
Mortgage Payoff Analysis
Find the optimal time to pay off your mortgage with our Mortgage Payoff Analysis software. We consider specific loan terms such as the existing balance, interest rates, remaining loan duration, tax implications, and potential opportunity costs of maintaining the loan, including tax benefits and future positive cash flow. This comprehensive approach ensures your decisions are well-informed and aligned with your financial strategy.
Social Security Strategies
Maximize your long-term net worth with our Social Security Strategies software. We meticulously analyze optimal claiming strategies by considering benefits at various ages, delayed retirement credits, early distribution reductions, taxation, spousal and survivor benefits, inflation, after-tax investment returns, future income needs, cost of living adjustments, life expectancies, current investments, and required monthly income.
College Planning Calculator
Get exact projections for future college expenses with our College Planning software. It calculates total costs in both future and present dollars, considering factors such as future costs, interest rates, inflation, savings, time value of money, and investment returns. Gain clarity on the savings required—both future lump sum and monthly savings—factoring in earnings growth, inflation, and investment returns to meet your family’s education goals.
Life Insurance Analysis
Our Life Insurance Needs Analysis software calculates precisely the amount of term insurance you need until retirement. It accounts for social security benefits, savings, investments, inflation, discount rates, life expectancy, and income needs. As we are licensed with all top-rated companies, we ensure comprehensive coverage tailored to your financial security.
Debt Management Software
Our Debt Management software and philosophy are designed to optimize your journey to becoming debt-free and achieving a stress-free financial life.
Pension Analysis
Our Pension Analysis software helps you determine whether to choose the lump sum option by calculating the required rate of return. We identify the discount rate used for benefit calculation, analyze break-even points, and assess Pension to Income ratios. By incorporating internal rates of return, tax implications, time value of money, and life expectancies, we help determine the optimal pension option for you and your family.
Roth Conversion Analysis
Our Roth Conversion software provides a definitive answer on whether you should convert your IRA to a Roth IRA. Backed by factual analysis, we create a personalized plan considering life expectancies, tax rates, income needs, inflation, after-tax and pre-tax rates of return, beneficiary ages, inherited IRA distribution strategies, beneficiary tax rates, and monthly retirement budget surpluses or deficits.
Real Estate Planning
Evaluate whether your rental real estate investments are delivering sufficient returns with our Real Estate Planning software. Our proprietary tool considers detailed time value of money factors unique to your situation.
Systematic Withdrawal Calculation
Our Systematic Withdrawal software calculates withdrawals based on historical returns over multiple years, ensuring a reliable approach to managing your income stream.
Retirement Planning Software
Our Retirement Planning software provides detailed insights with a custom seven-page calculation tailored to your personalized inputs. It includes proprietary calculations for multiple scenarios, after-tax growth rates, inflation-adjusted yields, tax brackets, monthly savings, 401(k) contributions and company matching, social security projections, withdrawal strategies, asset preservation options, and advanced time value of money calculations for earnings growth and monthly savings amounts.
Tax Planning Software
Our Tax Planning software offers federal and state tax solutions, creating multiple scenarios to evaluate various lifestyle and retirement options.
Cash Flow Projection
Create monthly plans for both current and retirement phases with our Cash Flow software to maximize savings, net income, and future wealth.
Budgeting Software
Our Budgeting software offers simple and effective systems to manage your lifestyle effortlessly, eliminating the hassle of expense tracking.