Union Central Insurance and Investments

Financial Calculators
College Planning & Funding	Credit & Debt Management
How much should I be saving for college? Will I be able to pay back my student loans? What are the advantages of the Coverdell ESA? What are the 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 at home, on campus, or off campus?	How long will it take to pay off my credit card? How long until my loan is paid off? What would my loan payments be? What is the balance on my loan? Should I consolidate my personal debt into a new loan? Restructuring debts for accelerated payoff Which is better: cash up front or payments over time? What is the impact of making extra payments on my debt? Should I pay off debts or invest?
Estate Planning	Finances, Budgeting and Cash Flow
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(s) be worth at retirement? What is my current year required minimum distribution? What is my projected required minimum distribution? 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)? Self-employed retirement plan maximum contribution calculator	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 my monthly surplus? How long will my money last with systematic withdrawals? 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?
Home Mortgage	Investing
How much home can I afford? Should I refinance my mortgage? Comprehensive mortgage calculator Comparing mortgage terms. 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' versus traditional mortgage. What are the tax savings generated by my mortgage? Which is better: fixed or adjustable-rate mortgage?	How should I allocate my assets? What is the value of a bond? What is the value of compound interest? Taxable vs. tax-deferred savings What is the long-term impact of increased investment return? What is the dividend yield on a stock?
Paychecks & Employee Benefits	Retirement Planning
How will payroll adjustments affect my take-home pay? 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? 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(s) be worth at retirement? What is my current year required minimum distribution? What is my projected required minimum distribution? 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 What is the impact of early withdrawal from my 401(k)plan? Self-employed retirement plan maximum contribution calculator.	How will retirement impact my living expenses? How much will I need to save for retirement? Social Security retirement income estimator. How does inflation impact my retirement income needs? I'm retired, how long will my savings last? Should I convert discretionary expenses to savings?
Saving Goals & Rates of Return	Taxation
Becoming a millionaire. Income generated by a savings plan. How long will it take to double my savings? 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 investment return? What is my effective annual yield on my investment?	What is my potential estate tax liability? 2007 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 (losses) tax estimator. Compare taxable, tax-deferred and tax-free investment growth. How much of my Social Security benefit may be taxed? What are the tax implications of paying interest? Should I itemize or take the standard deduction?

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Financial Calculators