Try Our Financial Calculators

MOAA's financial calculators provide dynamic graphics, customizable reports, and explanations of key terms and concepts. We hope you will find these new financial tools useful! If you have any comments or questions about the financial calculators, contact us at msc@moaa.org.

Military-to-Civilian Financial Calculators (Member Only)

Civilian Pay to Equal Military Take Home Pay(Member Only) Exclusive Member-Only Benefit

Use this calculator if you are retiring or leaving the service to help you determine how much civilian pay would be required to match your existing military take home pay.

Not a member? Join now for access to this unique calculator.

Retirement Savings and Planning

401(k) CalculatorA 401(k) can be one of your best tools for creating a secure retirement. It provides you with two important advantages.
401(k) Spend It or Save It CalculatorThere are several ways to manage your 401(k) balance when you leave an employer. The most fundamental question is should you spend it or save it?
403(b) Savings Calculator403(b) plans are only available for employees of certain non-profit tax-exempt organizations: 501c(3) corporations, including colleges, universities, schools, hospitals, etc.
72(t) CalculatorThe Internal Revenue Code section 72(t) and 72(q) can allow for penalty-free early withdrawals from retirement accounts under certain circumstances.
Beneficiary Required Minimum DistributionsWhen you are the beneficiary of a retirement plan, specific IRS rules regulate the minimum withdrawals you must take.
Company Stock Distribution Analysis CalculatorIf you own company stock in a retirement plan, you may be able to take advantage of the long-term capital gains tax rate rather than your ordinary income tax rate on this investment. Normally, all earnings withdrawn from a retirement plan are taxed as ordinary income, at ordinary income tax rates.
How Important is Social Security?How will losing your Social Security benefits affect your retirement? Use this calculator to determine how losing this important retirement asset could affect you.
Required Minimum Distribution (RMD)The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from some types of retirement accounts annually, starting the year you turn age 70-1/2.
Retirement Pension Planner CalculatorDo you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan.
Retirement Planner CalculatorDo you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan.
RMD & Stretch IRA CalculatorThe IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution (RMD) - from your retirement accounts annually; starting the year you turn age 70-1/2.
Roth 401(k) vs. Traditional 401(k) CalculatorA 401(k) contribution can be an effective retirement tool. As of January 2006, there is a new type of 401(k): the Roth 401(k).
Roth IRA CalculatorCreating a Roth IRA can make a big difference in your retirement savings. There is no tax deduction for contributions made to a Roth IRA; however, all future earnings are sheltered from taxes under current tax laws.
Roth IRA Conversion CalculatorIn 1997, the Roth IRA was introduced. This new IRA allowed for contributions to be made on an after-tax basis and all gains (or growth) to be distributed completely tax-free.
Roth IRA Conversion with Distributions CalculatorIn 1997, the Roth IRA was introduced. This new type of IRA allowed for all gains (or growth) to be distributed completely tax-free, provided certain requirements are met.
Roth IRA vs. Traditional IRA CalculatorUse this calculator to determine which IRA may be right for you.
Social Security Benefit CalculatorDo you wonder how much you might receive in Social Security during retirement? Use this calculator to help you estimate your Social Security benefits.
Traditional IRA CalculatorContributing to a traditional IRA can create a current tax deduction, plus it provides for tax-deferred growth.

Mortgage Calculators

15 vs. 30 Year Mortgage Determining which mortgage term is right for you can be a challenge. With a shorter year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment.
APR Calculator for Adjustable Rate MortgagesUse this calculator to determine the Annual Percentage Rate (APR) of your Adjustable Rate Mortgage (ARM). Knowing your APR can help you compare different ARMs with different fees and terms.
ARM & Interest Only ARM vs. Fixed Rate MortgageUse this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. A fixed rate mortgage has the same payment for the entire term of the loan. An adjustable rate mortgage (ARM) has a rate that can change, causing your monthly payment to increase or decrease
Blended Rate Mortgage Calculator The high price of homes has many buyers trying to get 100% or near 100% financing. One option is to acquire two mortgages. This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of your home.
Fixed Rate Mortgage vs. Interest Only MortgageA fixed rate mortgage has the same payment for the entire term of the loan. Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Fixed Rate Mortgage vs. LIBOR ARMA fixed rate mortgage has the same payment for the entire term of the loan. An adjustable rate mortgage (ARM) has a rate that can change, causing your monthly payment to increase or decrease.
Home Rent vs. Buy CalculatorAre you better off buying your home, or should you continue to rent?
Interest Only Mortgage CalculatorUse this calculator to generate an amortization schedule for an interest only mortgage.
Mortgage Calculator Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the "Report" button for a full yearly or monthly amortization schedule.
Mortgage Calculator with Taxes and InsuranceUse this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage Qualifier CalculatorCan you buy your dream home? Find out just how much you can afford!
Mortgage Refinance CalculatorShould you refinance your mortgage? Use this calculator to determine when you will breakeven!

Loan Calculators

Alternative Payment FrequenciesUse this calculator to determine your payment or loan amount for different payment frequencies. You can make payments weekly, biweekly, semimonthly, monthly, bimonthly, quarterly, semiannually, or annually.
Amortizing Loan CalculatorEnter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule.
Debt Consolidation CalculatorShould you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Fill in your loan amounts, credit card balances, and other outstanding debt. You can then see what your monthly payment would be with a consolidated loan.
Enhanced Loan CalculatorUse this calculator to look at a variety of possible loans. Change your monthly payment, loan amount, interest rate, or term. Press the "View Report" button to see a complete amortization schedule, either by month or by year.
Existing Loan CalculatorUse this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining. You can then click on the "View Report" button for a complete, payment by payment, amortization schedule of your loan.
Loan & Credit Line Tax SavingsThis calculator helps determine your tax savings on loans or credit lines with tax-deductible interest payments. For a loan payment, select fixed-term loan. For a line payment, you can choose 2%, 1.5%, or 1.0% of the outstanding balance or interest only.
Loan Comparison CalculatorDetermining which loan provides you with the best value involves more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees, and other costs associated with getting a new loan.
Loan Prequalification CalculatorUse this calculator as your first step in determining your ability to qualify for a loan. While this calculator can't guarantee you will qualify for your new loan, it is a good checkpoint to see if it is within your means.

Credit Cards and Debt Management

Accelerated Debt Payoff CalculatorThis calculator helps you determine what you need to do to accelerate paying off your debt.
Credit Card Pay Off CalculatorThis calculator shows you what you need to do to pay off your credit card balance.
How much do you owe calculatorThis calculator totals all of your debt and helps you figure out how long it is going to take you to pay it all back.
Personal Debt Consolidation CalculatorThis calculator helps you determine if debt consolidation will save you money.
Roll-Down Your Credit Card Debt Calculator!This calculator helps you pay off your credit card debt by determining the order of pay-off for each card.

Auto Calculators

Auto Rebate vs. Low Interest Financing CalculatorUse this calculator to help you compare financing between an auto rebate and low-interest dealer financing. A dealer rebate, usually not available when you choose low-interest dealer financing can produce a lower initial loan balance, and in many cases, a lower monthly payment.
Car Loan CalculatorUse this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment.
Dealer Financing vs. Credit Union Financing CalculatorUse this calculator to help you compare financing between your credit union and low-interest dealer financing. A dealer rebate, usually not available when you choose low-interest dealer financing, combined with credit union financing, can produce a lower initial loan balance, and in many cases, a lower monthly payment.
Home Equity Loan vs. Auto loan CalculatorHome equity loans generally have lower interest rates than auto loans, and the interest may be tax deductible - two good reasons to take a look at home equity loans to finance your automobile purchase.
Lease vs. Buy CalculatorShould you lease or buy your car? Use this calculator to find out! We calculate your monthly payments and your total net cost.
Low Interest Financing Savings CalculatorLow, promotional interest rates can save you a great deal of money when you finance your car or truck. Not only are your monthly payments lower, but your total interest payments can be significantly less.

Investment Calculators

Asset Allocation CalculatorThis calculator helps you create a balanced portfolio of investments.
Investment ReturnsMeeting your long-term investment goal is dependent on a number of factors. This not only includes your investment capital and rate of return, but inflation, taxes and your time horizon.
Municipal Bond Tax Equivalent YieldThis calculator will estimate the tax-equivalent yield (TEY) for a municipal bond. Income generated from municipal bond coupon payments are not subject to federal income tax.
Mutual Fund Expense CalculatorThis calculator can help you analyze the costs associated with buying shares in a mutual fund.
Stock Option CalculatorReceiving options for your company's stock can be an incredible benefit. Even after a few years of moderate growth, stock options can produce a handsome return.

Tax Calculators

1040 Tax CalculatorHow much in income taxes will you pay? Military members and Veterans: use this 1040 tax calculator to help determine your tax bill for next April.
Estate Tax Planning CalculatorKnowing your estate tax liability is a great place to start your estate tax plan. Military members and veterans: use this calculator to estimate your estate tax liability.
Flexible Spending Account (FSA) CalculatorMilitary members and Veterans use this calculator to see how participating in your employer's Flexible Savings Account can help you pay less tax, and increase your net take-home pay.
Marginal Tax Rate CalculatorMilitary members and Veterans: use this calculator to determine your marginal and effective tax rates. This calculator sorts through the tax brackets and filing options for military members and Veterans to calculate their true tax liability.
Self-Employment Tax CalculatorIf you are a self-employed Veteran or military spouse, use this calculator to determine your self-employment taxes.
U.S. 1040EZ Tax Form CalculatorMany military members and Veterans can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms for military members and Veterans to calculate your tax bill.

Savings Calculators

Benefit of Spending Less CalculatorReducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth if you were to invest them.
CD Ladder CalculatorUse this calculator to examine the benefits of investing in a series of Certificates of Deposit with different maturities, also called a CD Ladder.
Certificate of Deposit CalculatorUse this calculator to find out how much interest you can earn on a Certificate of Deposit (CD). Just enter a few pieces of information, and we will calculate your annual percentage yield (APY) and ending balance.
College Savings CalculatorSaving for your children's education requires a long-term plan. Like saving for retirement, the earlier you start your plan, the better.
Don't Delay Your Savings!Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars.
Emergency Savings CalculatorHaving adequate emergency savings can make unforeseen unemployment, auto repairs, medical emergencies, property damage, and even legal issues more manageable.
Savings Goal CalculatorWhat will it take to help reach your savings goals? This financial calculator helps you find out. Enter your savings plan and view your financial results in a graph.

Personal Finance

Basic Financial CalculatorThis works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.
Home Budget AnalysisThis calculator helps you balance your home budget by entering your income and monthly expenditures. You can see how much you have left to save and where your money is being spent
Life ExpectancyThis calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
Net WorthNet worth is what you own minus what you owe. This calculator helps you determine your net worth and estimates how it could grow (or shrink) over the next ten years.
Student BudgetUse this calculator to help analyze your budget as a full-time student for an eight-month school year running from September through April.

Insurance Calculators

Disability InsuranceUse this calculator to determine how much disability insurance you may need to cover expenses if you are unable to work due to illness or injury.
Fixed Annuity CalculatorA fixed annuity can provide a secure, tax-deferred investment. Use this calculator to see how a fixed annuity might fit into your retirement plan.
Immediate Annuity CalculatorEstimate what your monthly payments might be from an immediate annuity.
Life Insurance CalculatorFind out how much life insurance you really need!
Long Term Care CalculatorLong term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense.