CALCULATORS TO EXPLORE     The following calculators help you explore "What If..." scenarios.  Though not a substitute for advice and information provided by a qualified professional, our calculators offer a good starting point to a secure future.  This general information is not designed to address specific individual circumstances.   Always consult with your financial team (attorney, investment advisor, insurance agent and tax advisor) before taking any action.

Investment Needed to Achieve Goal Use this calculator to determine the investment needed to achieve your goal. Years to Become a Millionaire This calculator computes the number of years it will take for an initial investment along with monthly contributions to accumulate to $1 million. Children's Education Savings Use this calculator to evaluate and determine if you need to make changes to your college savings plan. Retirement Income Planner Use this calculator to evaluate your retirement income plan. Regular IRA vs. Roth IRA - Annual Contribution Use this calculator to determine whether a regular IRA or a Roth IRA is right for you. IRA Distribution Before Age 59 1/2 Calculator This calculator computes exceptions from the penalty for early distribution (before age 59 1/2) from an IRA. Qualify for Home Purchase This calculator indicates whether or not you qualify for a conventional mortgage. Pay Points on Mortgage This calculator helps to determine if reducing your mortgage interest rate by paying points is the best option. Monthly to Bi-Weekly Loan Conversion This calculator shows how much sooner a loan or mortgage can be paid off and how much interest and expense can be saved if the payments are changed from monthly to bi-weekly and the payment amount is cut in half. Mortgage Refinance Breakeven Use this calculator to determine if you should refinance your mortgage and when you will break even.