Financial Calculators – Investment

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Calculators > Investment

1031 Exchange Calculator

This 1031 Exchange calculator will estimate the taxable impact of your proposed sale and purchase. To pay no tax when executing a 1031 Exchange, you must purchase at least as much as you sell (Net Sale) AND you must use all of the cash received (Net Cash Received). If you take cash out and/or you purchase less than you sell, it is considered a recognized gain and will be taxed. By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

1031 Exchange Timeline Calculator

A 1031 Exchange requires meeting very strict deadlines for successful completion. Use this calculator to help you determine the deadlines for the 45-Day Identification Period and the 180-Day Exchange Period based on the closing date you provide for the relinquished property.

Annual Rate of Return Calculator

Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.

Annual Stock Option Grants

Many companies issue annual stock option grants to their employees. Receiving a stream of stock options over a period of years can be an incredible benefit. Use this calculator to project how much a series of annual stock option grants could be worth to you.

Asset Allocation Calculator

The asset allocation is designed to help you create a balanced portfolio of investments. Your age, ability to tolerate risk, and several other factors are used to calculate a desirable mix of stocks, bonds, and cash. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio. Click on the “View Report” button for a detailed look at your results.

Compare Investment Fees

Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees can impact your investment strategy!

Future Contracts Calculator

Use this calculator to determine the number of futures contracts you may wish to purchase based on your account equity and trading plan. All investment plans should be reviewed by a financial professional before you execute them. Purchasing futures contracts is a risky investment and should only be done by experienced investors with professional advice. This calculator is only designed to help illustrate the percentage of your equity investment that is at risk with a specific future contract purchase.

Future Value Calculator

Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.

Inflation – Historic Impact on Investments

Inflation reduces your the purchasing power of your money. High inflation, such as what happened in the late 70’s and early 80’s in the United States, can devastate the value of your savings. Even moderate inflation over time can significantly impact your real purchasing power. Use this calculator to see how inflation has changed the value of the U.S. dollar, and what return you would have needed just to keep up.

Inflation and Consumer Prices Calculator

Inflation increases the prices you pay for goods and services. High inflation, such as what happened in the late 70’s and early 80’s in the United States, can dramatically and permanently increase prices. Use this calculator to see how inflation has affected the value of the U.S. dollar, and how prices have changed as a result.

Inflationary Millionaires

Inflation has greatly reduced the real wealth required to be a millionaire. High inflation, such as what happened in the late 70’s and early 80’s in the United States, has dramatically reduced the real purchasing power of money. A million dollars truly is not what it used to be. Use this calculator to see what it takes to be an true old-time millionaire.

Internal Rate of Return (IRR) Calculator

Use this calculator to determine an Internal Rate of Return (IRR). It calculates the IRR on an annual basis of an irregular stream of up to 20 payments and withdrawals.

Investment Distributions

This calculator helps you determine either how large or how long periodic distributions can be taken out of an investment before it runs out. Enter the number of years you need the distributions to last, and this calculator will determine the amount you can take out each period. Enter a periodic distribution, and this calculator will determine how long before your balance runs out.

Investment Goal Calculator

What will it take to reach your investment goal? Use this investment goal calculator to determine how much your investment might grow before taxes, after taxes and after taxes and inflation. It will also provide suggestions on what to change if your plan doesn’t look like it will meet your investment goal.

Investment Loan

This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk. For example, if your investment were to lose all of its value you would not only have lost your investment but you would still owe the balance on the loan.

Investment Property Calculator

An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property.By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Investment Questionnaire – Broad Portfolio

Many experts believe that long-term investment success is more a function of how assets are allocated among asset classes rather than the individual securities in which they are invested. This asset allocation tool will help you to identify broad mix of asset classes that corresponds to your risk tolerance and investment experience. These sample mixes are only examples and are not specific recommendations.

Investment Questionnaire – Cash, Fixed Income and Equities

Many experts believe that long-term investment success is more a function of how assets are allocated among asset classes rather than the individual securities in which they are invested. This asset allocation tool will help you to identify a potential mix of cash equivalent, fixed income and equities that corresponds to your risk tolerance and investment experience. These sample mixes are only examples and are not specific recommendations.

Investment Returns

Meeting your long-term investment goal is dependent on a number of factors. This not only includes your investment capital and rate of return, but inflation, taxes and your time horizon. This calculator helps you sort through these factors and determine your bottom line. Click the “View Report” button for a detailed look at the results.By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Investment Savings and Distributions

Use this calculator to help you determine how long your investment savings might last. Enter your current savings plan in the contributions section of the calculator, and your withdrawal needs in the withdrawal section. This calculator will then plot your investment savings total year-by-year. You can then determine how much your investment savings could be worth, and how long it might last.

Lump Sum Annual Return Calculator

Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.

Lump Sum Future Value Calculator

Use this calculator to determine the future value of an investment.

Lump Sum Present Value Calculator

Use this calculator to determine the present value of a known future value.

Market Value of Bonds Calculator

This calculator enables you to compare the reaction of two bonds to changes in the prevailing rate of return in the bond market.

Municipal Bond Tax Equivalent Yield

This calculator will estimate the tax-equivalent yield (TEY) for a municipal bond. Income generated from municipal bond coupon payments are not subject to federal income tax. In addition, if the bond was issued in your state of residence, you can also avoid state income taxes. Use this calculator to determine the yield required by a fully taxable bond to earn the same after-tax income as a municipal bond.

Mutual Fund Expense Calculator

This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund’s prospectus, you can see the impact of fees and operating expenses on your investment.

Personal Economic Recovery Calculator

Recovering from a devastating investment loss takes both time and very often new contributions. Even a very large investment loss can be recouped if you are able to leave your money invested and begin adding new money. This calculator helps you determine what it might take to regroup, rebuild and re-grow after such an investment loss.

Present Value Calculator

Use this calculator to determine the present value of a stream of deposits plus a known final future value.

Present Value Goal Calculator

Use this calculator to determine the how much needs to be invested now to achieve a future goal. The total amount required immediately is reduced by the present value of a stream of deposits.

REIT Tax-Equivalent Distribution

This calculator will estimate the tax-equivalent distribution (TED) for an investment in a real estate investment trust (REIT). Investments in REITs are not tax free, but rather may be partially tax-deferred. TED, as set forth in this calculator, measures what an investor would have to earn on a fully taxable investment in order to match the distribution generated when a portion of a REIT’s distribution represents return of capital (ROC). This calculator shows a REIT’s hypothetical distribution and how ROC impacts tax equivalent distribution.

Stock Option Calculator

Receiving options for your company’s stock can be an incredible benefit. Even after a few years of moderate growth, stock options can produce a handsome return. Use this calculator to determine the value of your stock options for the next one to twenty-five years.

Taxable vs. Tax Deferred Investments

How taxes are applied to an investment can make an incredible difference. This calculator is designed to help compare a normal taxable investment and an investment where taxes are deferred until withdrawals are made.

Taxable vs. Tax Deferred vs. Tax Free Investment

How taxes are applied to an investment can make an incredible difference. This calculator is designed to help compare a normal taxable investment to two common tax advantaged situations: an investment where taxes are deferred until withdrawals are made, and an investment where taxes are paid on money that goes into the account, but all withdrawals are tax free.

Certificate Of Deposit (CD) Analyzer

Use this calculator to help determine the potential interest growth and tax liability on your Certificate of Deposit. 

What Is The Dividend Yield On A Stock?

Dividends paid by a corporation can make up a significant portion of the cash flow generated by a stock purchase. 

How Do Expenses Impact Mutual Fund Returns?

It may surprise you how sales charges, management fees and lost opportunity cost can erode the total return on your mutual fund. 

Certificate Of Deposit (CD) Laddering Strategy

Typically you can receive higher crediting rates on a CD if you commit to leaving your money with the bank for a longer period of time. This lack of liquity causes many people to choose shorter-term CDs at the expense of receiving the higher interest rates. CD laddering is a strategy that gives you the benefit of receiving the higher-interest crediting rates of longer term CDs but still provide you with some liquidity. 

Share Certificate Analyzer

Use this calculator to help determine the potential interest growth and tax liability on your Share Certificate. 

Share Certificate Laddering Strategy

Typically you can receive higher crediting rates on a Share Certificate if you commit to leaving your money with the bank for a longer period of time. This lack of liquity causes many people to choose shorter-term Share Certificates at the expense of receiving the higher interest rates. Share Certificate laddering is a strategy that gives you the benefit of receiving the higher-interest crediting rates of longer term Share Certificates but still provide you with some liquidity. 

Compare Taxable Versus Tax-Free Investment Return

Many investments are taxed differently. For example with bonds, some may be taxed federally only, some may be taxed at the state level only, and some may be taxed both at the state and federal level. 

What Is The Value Of Compound Interest?

Compound interest can have a dramatic effect on the growth of an investment. 

What Is The Value Of A Call Or Put Option?

A Call option represents the right (but not the requirement) to purchase a set number of shares of stock at a pre-determined ‘strike price’ before the option reaches its expiration date. A call option is purchased in hopes that the underlying stock price will rise well above the strike price, at which point you may choose to exercise the option. Exercising a call option is the financial equivalent of simultaneously purchasing the shares at the strike price and immediately selling them at the now higher market price. 

What Is My Risk Tolerance?

On your way home from work, do you drive in the slow lane or the fast lane? Each person has a different propensity for risk. When investing, this risk propensity can be used to determine the percentage of your portfolio that is exposed to equities. 

What Is The Long-Term Impact Of Increased Investment Return?

It may surprise you how much more you could accumulate in savings simply by repositioning assets to achieve potentially a slightly higher return.