1. Are My Current Retirement Savings Sufficient?

Please view the above educational slide show first.

Do you know if you have enough to retire on? Find out by taking your current savings to date and this calculator will tell you when your money will run out and what you should do to correct it.

• If you take out $100,000 out of your home at 6.5% it will cost $227,000 over 30 years, if you invest it at 6.5% over 30 years it will be worth 661,000 and you will be $434,00 richer (pre tax). You still keep all the same appreciation in your home.

2. How Much Will I Need To Save For Retirement?

Find out how much your retirement will actually cost and what steps you need to take to have that retirement.

• If you take $100,000 out of your home at 6.5% it will cost $227,000 over 30 years, if you invest that $100,000 in a tax deferred account (TDA) at 6.5% over 30 years it will be worth $ 661,000.
   

• Thus, by repositioning your equity from your home into a TDA you could be $434,000 richer. You still keep all the same appreciation in your home. Consult your tax professional about the net tax effect.

3. How Does Inflation Impact My Retirement Income Needs?

When you retire will your income and lifestyle keep up with inflation ? The average inflation rate from 1929 to 2006 was 3.1%. Use this calculator to estimate how much more income you will need at retirement to keep your current standard of living.

• So $100,000 of equity in your home will be worth $41,000 in 30 years if you do not put it to work. If you invest at 6.5% in an annuity it will be worth $661,000 not factoring in inflation, with inflation it is $264,684 or 646% more than if you left it in your home.

4. When Should I Begin Saving For Retirement?

See how much less you will retire on if you delay beginning to save for your retirement by 1 year or as many years as you want.

5. How Important is Social Security?

Use this calculator to determine how losing this important retirement asset could affect you.

6. Social Security Benefits

Use this calculator to estimate your Social Security benefits

To get the maximum benefit from our calculators we recommend that the following steps be completed in this specific order.

1. If one of our Agents from our About Us page is not available to guide you, view the slideshow to learn how to get the most value out of that calculator.

2. Use any of our 17 calculators by clicking on its blue colored name.

3. Print the report for that calculator after entering in your relevant data.

4. Finally, complete the Personal Needs Survey for that calculator.

7. Mortgage

    Energizer

You can save many years and tens of thousands of dollars in mortgage interest.

• This will show you how little extra payments can be paid to your mortgage principal per month and what big savings in money and time that can have on your future.

• Click on our Mortgage Energizer logo to the left to learn about our proprietary educational and software system to turbocharge the concepts taught in calculators 7 thru 10.

8. If you put your former Mortgage Payment to Work

First use calculator  #7 to determine how many years you will save on your mortgage.

• Take your former mortgage payment and put it to work, choose a rate of return and the number of years you will receive distributions. Many homeowners end up with over $ 1 million extra.

9. How much do I save if I refinance?

See how much your cash flow can increase by  a debt consolidation into a 1st mortgage.

• By applying the increase in your positive cash flow to #1 it will save years off your mortgage. Take the number of years saved and  use #2 to see what that would be worth to your retirement.

10. Equity Harvesting

First use calculator  #1 to see the cost of borrowing the equity from your home via a refinance then use #3 to determine the result of putting that money to work.

• A 30 yr mortgage @6.5% costs $227,000; yet, if you put it to work for 30 yrs @ 6.5% in a fixed indexed annuity  it could grow to $661,000 (or $434,000 more net gain). Why? Compound interest.

11. Accelerated

    Debt Payoff

Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.

12. Credit Card

    Minimum

    Payment

    Calculator

Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.

To get the maximum benefit from our calculators we recommend that the following steps be completed in this specific order.

1. If one of our Agents from our About Us page is not available to guide you, view the slideshow to learn how to get the most value out of that calculator.

2. Use any of our 17 calculators by clicking on its blue colored name.

3. Print the report for that calculator after entering in your relevant data.

4. Finally, complete the Personal Needs Survey for that calculator.

13. Investment Returns and other Factors

There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.

14. Investment

   Savings and Distributions

Use this calculator to see how long your investment savings can last once you begin taking distributions.

15. IRA Calculator

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

17. Life Insurance

How much life insurance do you really need? Find out here!