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Financial Calculator Gallery.

Empowering Your Financial Decisions with Precision Tools.

At Ross & Associates, we are committed to providing our clients with the resources they need to make informed financial decisions. Our comprehensive Financial Calculator Gallery offers a suite of free, user-friendly tools designed to assist you in various aspects of financial planning. Whether you’re evaluating investment opportunities, planning for retirement, or managing personal finances, our calculators are here to guide you.

Explore Our Financial Calculators.

Why Use Our Financial Calculators?

01

Accessibility:

Our calculators are available online 24/7, allowing you to access them at your convenience.

02

User-Friendly Interface:

Designed with simplicity in mind, our tools are easy to navigate, even for those with limited financial expertise.

03

Accurate Results:

Built with reliable algorithms, our calculators provide precise calculations to aid your financial decision-making.

04

Educational Value:

Gain a better understanding of various financial concepts and how different factors influence your financial outcomes.

Our complete set of calculators is listed below. Feel free to try them out as often as you like.

Cash Flow Calculators
How does inflation impact my standard of living?
How much am I spending?
How much do I need for emergencies?
Should I pay down debt or invest more?
How long will my money last? 
Should my spouse enter the work force?
What is my current net worth?
What is my projected net worth?
What is my current cash flow?
What is my projected cash flow?
Value of reducing or foregoing expenses.
Historical inflation – Compare purchasing power
Credit Calculators
How long will it take to pay off my credit card(s)? 
How long until my loan is paid off? 
What would my loan payments be? 
Do I have too much debt? 
What is the balance owing on my loan? 
Should I consolidate my personal debt? 
Re-structuring debts for accelerated payoff 
Which is better, cash up front or payments over time? 
What is the impact of making extra debt payments? 
Should I pay off debts or invest the money? 
Taxation Calculators
What is my potential estate tax liability? 
federal income tax estimator 
Should I adjust my payroll withholdings? 
Will my investment interest be deductible? 
How much self-employment tax will I pay? 
Capital gains (and losses) tax estimator 
Compare taxable, tax-deferred, and tax-free growth 
How much of my social security benefit may be taxable? 
What are the tax implications of paying interest? 
Should I itemize or take the standard deduction? 
What is my taxable-equivalent yield? 
Tax refund estimator
Tax freedom day
Paycheck & Benefits Calculators
How much will my company bonus net after taxes? 
How will payroll adjustments affect my take-home pay? 
Convert my salary to an equivalent hourly wage. 
Convert my hourly wage to an equivalent salary. 
What is the future value of my employee stock options? 
Should I exercise my “in-the-money” stock options? 
What may my 401(k) be worth? 
What is the impact of increasing my 401(k) contribution? 
What may my 457 Plan be worth? 
What is the impact of increasing my 457 Plan contribution?
Retirement Calculators
How will retirement impact my living expenses? 
How much will I need to save for retirement? 
Are my current retirement savings sufficient? 
Social security retirement income estimator 
How does inflation impact my retirement income needs? 
I’m retired, how long will my savings last? 
When should I begin saving for retirement? 
Should I convert discretionary expenses to savings? 
How much retirement income may my 401(k) provide? 
Compare a Roth 401(k) to a Traditional 401(K)
Saving Calculators
Becoming a millionaire
Income generated by a savings plan.
How long will it take to double my money?
How long until my savings reach my goal?
Save now vs. save later
How much should I save to reach my goal?
What will my current savings grow to?
Calculate rate of return
How do taxes and inflation impact my return?
What is my effective annual yield?
Custom Calculators

Estimate your credit score

Investment Calculators
How should I allocate my assets? 
Compare taxable vs. tax-free investment return 
What is the value of a bond? 
What is the return on my real estate investment? 
What is the value of compound interest? 
What is the value of a call or put option? 
Taxable vs. tax-advantaged saving comparison.
What is my risk tolerance?
What is the long-term impact of increased return?
Certificate of deposit (CD) analyzer
What is the dividend yield on a stock?
How do expenses impact mutual fund returns?
Certificate of deposit (CD) laddering strategy
Business Calculators

Tax savings of a qualified retirement/cafeteria plan

College Calculators
How much should I be saving for college?
Will I be able to pay back my student loans?
Advantages of the Coverdell ESA.
Advantages of a 529 College Savings Plan
What is the value of a college education?
What are the payments on a parental (PLUS) loan?
Should I live on campus, off campus or at home?
When should I begin saving for child’s college?
Home & Mortgage Calculators
How much home can I afford?
Should I refinance my home mortgage (breakeven)?
Mortgage calculator
Comparing mortgage terms (i.e. 15, 20, 30 year)
Should I pay discount points for a lower interest rate?
Should I rent or buy a home?
Should I convert to a bi-weekly payment schedule?
Compare a ‘no-cost’ vs. traditional mortgage
What are the tax savings generated by my mortgage?
Which is better, fixed or adjustable-rate mortgage?
Adjustable rate mortgage calculator
How do closing costs impact the interest rate?
Compare an interest-only vs. traditional mortgage
How much can I borrow from my home equity (HELOC)?
Insurance Calculators
How much life insurance do I need?
What is my life expectancy?
What are my needs for burial and final expenses?
How much disability income insurance do I need?
What are the chances of becoming disabled?
What are my long-term care insurance needs?
How much will I earn in my lifetime?
What are the tax advantages of an annuity?
How long will my current life insurance proceeds last?
What is the future value of an annuity?
Which is better, comprehensive plan or high-deductible plan with HSA?
Qualified Plans Calculators
Evaluate my company pension payout options
How much can I contribute to an IRA?
How much retirement income can my IRA provide?
Should I convert to a Roth IRA?
What will my qualified plan be worth at retirement?
What is my current year required minimum distribution?
What is my projected required minimum distributions?
What are my lump sum distribution options?
How do I maximize my employer 401(k) match?
What is the impact of borrowing from my 401(k) plan?
What is the impact of early withdrawal from my 401(k)?
I’m self-employed, how much can I contribute to a retirement plan?
Net unrealized appreciation (NUA) vs. IRA rollover?
What are my Stretch IRA distributions?
Auto Calculators
Should I lease or purchase an auto?
Auto purchase – Loan versus 0% dealer financing?
What would my auto payments be?
Should I upgrade to a more fuel efficient vehicle?
Auto loan – Accelerated payoff
How much vehicle can I afford?

Get Started Today.

Take control of your financial future by utilizing our Financial Calculator Gallery. If you have any questions or need personalized assistance, feel free to contact us. Our team at Ross & Associates is here to support you in achieving your financial goals.

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