**Site Information**
(is listed below. The financial planning software modules for sale are on the right-side column)
Confused? It Makes More Sense if You Start at the Home Page
Financial Software Price List
How to Buy Investment Software
Discounts for Financial Advisers
(and how to subscribe to the full Bundled Deal for $100 a month)
Lifetime and 5- to 15-year Extended Subscriptions
New Financial Planner Starter Kit
Professional Investment Portfolio Building Kit
Financial Planning Software Support
Financial Planner Software Updates
Site Map
Site Information, Ordering Security, Privacy, FAQs
Questions about Personal Finance Software? Call **(503) 309-1369** or Send E-mail to support@toolsformoney.com
**Free Downloads and Money Tools**
(are listed below)
Free How-to Money eBook for DIY Investors, Critical Reading for Financial Advisers, and for Exposing Financial Myths
Free Sample Comprehensive Financial Plans
Free Money Software Downloads, Tutorials, Primers, Freebies, Investing Tips, and Other Resources
List of Free Financial Planning Software Demos
Selected Links to Other Relevant Money Websites
Free Retirement Calculators
Free Financial Calculators
Free Family Money Calculators
Free Real Estate Calculators
Free Debt Calculators
Free Investment Calculators
Free Tax Calculators
Free College Saving Calculators
Free Insurance Calculators
Free Business Owner Calculators |
**Almost every free online 401k calculator on the Internet is listed below**
There are dozens of websites with free online 401k calculators, but the vast majority just "rent" usage of them from the vendors below. Paying them rent allows webmasters to put the retirement calculators on their site in a manner that makes it look like their site built them (when they really just go to a site like Dinkytown to calculate / display results). So most online 401(k) calculators are the same.
Please keep in mind that Tools for Money didn't make the money calculators listed below, they're just links to other free online financial calculator websites.
Most calculate the numbers as advertised, but there are so few input fields, that you can't account for most of the details that will dramatically alter Real World results.
**This is page 1 of 11 of the free financial calculators:**
401(k) Calculators
Basic Financial Calculators
Family Money Calculators
Real Estate Calculators
Debt Calculators
Investment Calculators
Retirement Calculators
Tax Calculators
College Calculators
Insurance Calculators
Business Owner Calculators
**Time Value of Money and Financial Calculator Terminology**
**TVM** = Time value of money, the basic concepts of what these financial calculators are all about. **PV** = Present Value (beginning investment values, or how much something is worth today). **PMT** = Payments (constant contributions or withdrawals each compounding period, usually added to or subtracted from the scenario monthly). **I** = Compound interest rate (interest rate or growth rate that is applied at each N compounding period). **N** = Number of compounding periods (how many times the calculations are done that compound money at the given interest rate, usually in months or years. E.g., If you have $100 and you compound, or add, 10% annual interest, then you'd have $110 as a future value over this one compounding period. If N=2, then it would compound twice, and your ending value would be $121, which is $110 plus 10%). **FV** = Future value (usually the result, or the amount of money accumulated over N compounding periods). **P** = Principal, or how much money is being lent or borrowed. **ARM =** Adjustable Rate Mortgage. **APR =** Annual Percentage Rate.
_____________________________________
**Here's the List of Most Everyone's Free 401k Calculators:**
Tip: The "number of inputs" tells how "good it is."
The fewer the number of input cells, the less amount of functions it performs. The fewer functions it performs, the less accurate it is, because it fails to account for important things, you can't control anything, and so the "lamer" it is. In general the lamer the free online calculator, the lamer the programming code is too, so there's many serious "errors" in their math.
So the more inputs the better.
The average number of inputs for all of the free rinky-Dinkytown 401(k) calculators below is around ten. Our
401(k) calculator has around 50 (depending on how you count them).
We did not run any numbers to test accuracy or anything, so caveat emptor and you get what you pay for, all applies here!
**Listed in alphabetical order by their URL:**
401k.fidelity.com - Links to their retirement calculators
401kcalculator.org - Nine inputs estimates FV in 30 years, then it has a chart that shows contributions and value over 30 years.
401khelpcenter.com - Has links to some of the most popular 401 calcs in the several to dozen input range
ADP's Calculate Your Savings by Integrating 401(K)& Payroll calculator
ADP's 401(k) calculator
ADP's 403(b) calculator
Alta Street - 401(k) savings calculator
Bloomberg.com - Ten-input 401(k) savings calculator
Bloomberg.com - Ten-input 401k calculator
Calculatorpro.com - Has a five-input 401k calculator and many other financial calculators. They rent usage of them so you can put them on your website so visitors will think you're cool because you made them
Calcxml.com - Nine-input 401(k) calculator: Input parameters like employer matches, and calculate future values
Calcxml.com - Ten inputs compare 401(k) growth with current and proposed contributions
Calcxml.com - Thirteen inputs calculate how much retirement income your 401(k) will provide
Calcxml.com - Seven inputs to calculate how to maximize employer 401(k) matches
Calcxml.com - Nine inputs calculate the impact of borrowing from your 401(k)
Calcxml.com - Nine inputs calculate the impact of early 401(k) withdrawals
Calcxml.com - Nine inputs calculate what may a 457 Plan be worth
Calcxml.com - Ten inputs estimate the impact of increasing your 457 Plan contribution
Calcxml.com - Nine inputs compare a Roth 401(k) to a Traditional 401(K)
Dinkytown.net - 401(k) net unrealized appreciation vs. IRA rollover using employer stock calculator (requires you to use Active -X and Sun Java)
Dinkytown.net - Nine inputs and sliders calculates future 401(k) balances (requires you to use Active -X and Sun Java)
Dinkytown.net - Calculate the (tax) implications of spending part of your 401(k) before retirement (requires you to use Active -X and Sun Java)
Dinkytown.net - 403(b) calculator. 10 inputs and sliders calculate future values of 403(b) plans (similar to their 401(k) calculator, requires you to use Active -X and Sun Java)
Dinkytown.net - 403(b) calculator. 10 inputs and sliders calculate future values of 457 plans (similar to their 401(k) calculator, requires you to use Active -X and Sun Java)
Dinkytown.net - Calculate how increasing 401(k) or 403(b) contributions can affect your paycheck as well as retirement (requires you to use Active -X and Sun Java)
Dinkytown.net - Roth 401(k) vs. Traditional 401(k) Calculator (requires you to use Active -X and Sun Java)
Dinkytown.net - Individual 401(k) Contribution Comparison (requires you to use Active -X and Sun Java)
Dinkytown.net - Individual 401(k) Savings Calculator (requires you to use Active -X and Sun Java)
Dinkytown.net - Roth 401(k) vs. Traditional 401(k) and your Paycheck (requires you to use Active -X and Sun Java)
Dinkytown.net - 401(k) Savings with Profit Sharing (requires you to use Active -X and Sun Java)
Exceltemplates.net - 401k calculator download
Finra's 401(k) calculator - Free 401k and IRA minimum distribution calculator from Finra
Hcm401koptimizer.com - Advisor's site with their own home-grown several-input retirement calculators
Interest.com - Has a free online 401(k) calculator that used Java
Money-zine.com - Has a free dozen-input 401k calculator program
Money.msn.com - Has a free 13-input 401(k) retirement calculator
Moneychimp.com - Has a couple of free six- to seven-input 401k calculators
Mycalculators.com - Has an 11-input free 401k retirement planner calculator
Research401krollover.com - Has a nine-input 401(k) calculator program
Retirement-calculators.net - Has an eight-input free 401(k) retirement planner calculator
Retirement-calculators.net - 401k Calculator
Retirement-calculators.net - Roth 401k Calculator
Standard & Poor's 401(k) contribution calculator
Standard & Poor's borrowing from your 401(k) calculator
Vertex42.com - Has a dozen-input Excel-based free 401k calculator to download
Vipps.com - 401K Benefits Calculator |
**Financial Planning Software Modules For Sale**
(are listed below)
Financial Planning Software that's Fully-Integrated
(the IFP is the NaviPlan alternative for 1/6th the price)
Goals-Only "Financial Planning Software"
(the MoneyGuidePro alternative for 1% of their price)
Retirement Planning Software Menu: Something for Everyone
(the RWRs, RP, and SRP)
Comprehensive Asset Allocation Software
Model Portfolio Allocations with Historical Returns
Monthly-updated ETF and Mutual Fund Picks
DIY Investment Portfolio Benchmarking Program
Financial Planning Fact Finders for Financial Planners Gathering Data from Clients
Investment Policy Statement Software (IPS)
Life Insurance Calculator (AKA Capital Needs Analysis Software)
Bond Calculators for Duration, Convexity, YTM, Accretion, and Amortization
Investment Software for Comparing the 27 Most Popular Methods of Investing
Rental Real Estate Investing Software
Net Worth Calculator (Balance Sheet Maker) and 75-year Net Worth Projector
College Savings Calculator
Financial Seminar Covering Retirement Planning and Investment Management
Sales Tools for Financial Adviser Marketing
Personal Budget Software and 75-year Cash Flow Projector
TVM Financial Tools and Financial Calculators
**Our Unique Financial Services**
(are listed below)
We're Fee-only Money Managers: So you can hire us to manage your money, and/or financial advisers can hire us to manage client money, using our Model Portfolios and/or Asset Allocation Systems
Mr. Market Timer's Unique Market-neutral Stock Market Timing Services
(the hedge fund alternative)
Consulting Services: Hire Us to Make Your Financial Plan, Retirement Plan, Benchmarking Report, Whatever
Buy or Sell a Financial Planning Practice
**Miscellaneous Pages of Interest**
(are listed below)
Primer Tutorial to Learn the Basics of Financial Planning Software
About the Department of Labor's New Fiduciary Rules
Using Asset Allocation to Manage Money
Download Brokerage Data into Spreadsheets
How to Integrate Financial Planning Software Modules to Share Data
CRM and Portfolio Management Software
About Monte Carlo Simulators
About Efficient Frontier Portfolio Optimizers
Calculating Your Investment Risk Tolerance
About Discount Brokers for DIY Money Management
About 401(k) Plan Management |