Calculators and tools Calculators and tools to help you and your employees with the most critical computations of all — personal salary, retirement, savings, and investment decisions.

Retirement Calculators and tools

Calculators to help you plan to get the most out of your 401(k) and retirement.

  • 401(k) Contribution Calculator
    We all know we should be contributing as much as we possibly can to our 401(k). There's really no excuse not to. No matter how well you do with your other investments, you're unlikely to beat the 401(k)'s advantages of tax-deferred growth and a company match. The bottom line: Max out.
  • Growing Your Investment
    By saving — even a small amount — on a consistent basis, your money can grow substantial earnings over time. This calculator can help you estimate how much money you may earn from your investments, based on the amount of money you invest and the expected rate of annual return.
  • Personal Investor Profile
    Your investment decisions are usually based on lifestyle, personality, risk tolerance, and certain financial considerations, such as when you want to retire. The Personal Investor Profile questionnaire can be used as a guideline to help you determine your investor profile and risk tolerance. Keep in mind asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. A copy of the questionnaire can be downloaded from the link above. (Adobe Acrobat Reader® required)
  • Withdrawals in Retirement
    It's important to understand the impact that annual withdrawals may have on your retirement savings. This calculator can provide you with an estimate as to how long your savings can last based on your expected savings in retirement, expected annual rate of return, desired monthly income, anticipated monthly social security benefit, and expected income from other sources.
  • Borrowing From Your Retirement Plan
    Understanding the full impact of taking out a loan from your retirement account is an important decision in determining an overall planning strategy for your future retirement needs. Borrowing from your savings may provide solutions in the near term but could negatively impact investment growth over time and cost you in loan fees. In most cases, if you leave your employer prior to paying off the loan, your loan will default and cause a taxable event. This calculator can help you estimate the impact a 401(k) loan can have on your savings.

Payroll Calculators

Payroll calculator tools to help with personal salary, retirement, and investment calculations.

  • Salary Paycheck Calculator
    How much are your wages after taxes? This powerful tool does all the gross-to-net calculations to estimate take-home (net) pay in any part of the United States.
  • Hourly Paycheck Calculator
    Enter up to six different hourly rates to estimate after-tax wages for hourly employees.
  • Gross Pay Calculator
    Plug in the amount of money you'd like to take home each pay period and this calculator will tell you what your before-tax earnings need to be.
  • 401(k) Planner
    Estimate the future value of retirement savings based on the interest rate, contribution amount, and current balance. Adjust the variables to see how the changes affect your savings goal
  • 403(b) Planner
    If you are an employee of a non-profit organization, calculate how much of your income you should defer through your organization's 403(b) plan to prepare for retirement.
  • Employee Stock Option Calculator
    Estimate the after-tax value of non-qualified stock options — before cashing them in. Locate current stock prices by entering the ticker symbol.

Paycard Savings Calculator

Calculator to determine cost savings realized from a paycard program.