Personal Financial Calculators


Accelerated Debt Payoff

This calculator can show you how to accelerate your debt payoff.


Credit Card Pay Off

Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.


Personal Debt Consolidation

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.


Roll-Down Your Credit Card Debt!

The Credit Card Roll-Down Calculator applies two simple principles to paying off credit card debt. 


Insurance Calculators

Health Savings Account (HSA) Contribution Calculator

This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.


Life Insurance Calculator

Find out how much life insurance you really need!


Variable Annuity Calculator

How can a variable annuity help you save for retirement? Use this calculator to find out.


Auto Calculators

Car Loan Calculator

Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.


Home Equity Loan vs. Auto loan

Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.


Lease vs. Buy

Should you lease your next automobile or finance it? Find out with this calculator!


Retirement Savings and Planning

Required Minimum Distribution (RMD)

Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account it will also look at potential future year's distribution requirements.


Retirement Income

Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.


Retirement Planner

Determine if your retirement plan is on track - and learn how to keep it there.


Roth IRA Calculator

Use this calculator to compare the Roth IRA to an ordinary taxable investment.


Roth IRA Conversion

This calculator will show the advantage, if any, of converting your IRA to a Roth.


Social Security Benefits

Use this calculator to estimate your Social Security benefits.


Traditional IRA Calculator

How can contributing to a regular IRA help you in your retirement?


Savings Calculators

College Savings

Use this calculator to help develop or fine tune your education savings plan.


Cool Million

Find out when your savings plan may make you a millionaire!


Don't Delay Your Savings!

This calculator helps show you how much postponing your savings plan can really cost.


Savings Calculator

Consistent investments over a number of years is an effective strategy to accumulate wealth.


Savings, Taxes, and Inflation

Use this calculator to determine how much your savings will be worth with these two important variables in mind.


Personal Finance

Checkbook Balancer

Balance your checkbook with this quick and easy calculator.


Home Budget Analysis

Analyze your budget, see where your money goes and find out where you can improve!


Should my spouse work?

This calculator is designed to help you see the financial impact of having either one or two incomes for your household.


Student Budget

This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.


*Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. Arlyce Richardson, Ltd. does not guarantee these calculators applicability or accuracy in regards to your individual circumstances.


All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.