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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 through the Benefits Assistance Help form.
 

Military-to-Civilian Financial Calculators |Mortgage Calculators  | Loan Calculators  |  Credit Cards and Debt Management  |  Auto Calculators  |  Investment Calculators  | Retirement Savings and Planning  |  Tax Calculators  | Savings Calculators  |  Personal Finance  |  Insurance Calculators    

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 nowfor access to this unique calculator. 

 

Mortgage Calculators

 
APR Calculator for Adjustable Rate Mortgages  Use this calculator to find the APR on your adjustable rate mortgage.
ARM vs. Fixed Rate Mortgage  Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Blended Rate Mortgage Calculator  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 a home.
Mortgage Loan Calculator  Use this calculator to determine your monthly payment and amortization schedule.
Mortgage comparison: 15 years vs. 30 years  Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Fixed Rate Mortgage vs. Interest Only Mortgage  Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Fixed Rate Mortgage vs. LIBOR ARM  Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
Interest Only Mortgage Calculator  Use this calculator to generate an amortization schedule for an interest only mortgage.
Mortgage Loan Calculator (PITI)  Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage Qualifier  Can you buy your dream home? Find out just how much you can afford!
Refinance Breakeven  Should you refinance your mortgage? Use this calculator to determine when you will breakeven!
Rent vs. Buy  Are you better off buying your home, or should you continue to rent?
 

Loan Calculators

 
Loan Comparison Calculator  Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.
Alternative Payment Frequencies  Use this calculator to determine your payment or loan amount for different payment frequencies.
Debt Consolidation Calculator  Should you consolidate your debt? Use this calculator to find out.
Enhanced Loan Calculator  Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Existing Loan Calculator  Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining.
Loan & Credit Line Tax Savings  This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Amortizing Loan Calculator  Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
Loan Prequalification Calculator  Use this calculator as your first step in determining your ability to qualify for a loan.
 

Credit Cards and Debt Management

 
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.
How much do you owe?  Use this calculator as a starting point for your debt management plan.
Personal Debt Consolidation  Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Roll-Down Your Credit Card Debt!  The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
Credit Card Pay Off  Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
 

Auto Calculators

 
Home Equity vs. Auto loan  Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Auto Loans  Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Low Interest Financing Savings  Low, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save.
Auto Rebate vs. Low Interest Financing  Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
Dealer Financing vs. Credit Union Financing  Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.
Lease vs. Buy  Should you lease your next automobile or finance it? Find out with this calculator!
 

Investment Calculators

 
Asset Allocator  Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Mutual Fund Expense Calculator  This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating expenses on your investment.
Investment Returns  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.
Stock Option Calculator  Use this calculator to determine the value of your stock options for the next one to twenty five years.
Municipal Bond Tax Equivalent Yield  Income generated from municipal bond coupon payments are not subject to Federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.
 

Retirement Savings and Planning

 
Roth 401(k) or Traditional 401(k)?  The Roth 401(k) allows you to contribute to your 401(k) account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. Use this calculator to help determine the best option for your retirement.
How Important is Social Security?  Use this calculator to determine how losing this important retirement asset could affect you.
Traditional IRA Calculator  How can contributing to a regular IRA help you in your retirement?
401(k) Savings Calculator  A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.
403(b) Savings Calculator  If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement.
72(t) Calculator  The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement.
Beneficiary Required Minimum Distributions  Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Required Minimum Distributions  Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account.
Retirement Planner  Quickly determine if your retirement plan is on track - and learn how to keep it there.
Retirement Pension Planner  Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
401(k) Spend It or Save It Calculator  There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.
Roth IRA Calculator  Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA Conversion  This calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth vs. Traditional IRA  Use this calculator to determine which IRA may be right for you.
Social Security Benefits  Use this calculator to estimate your Social Security benefits.
Roth IRA Conversion with Distributions  Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
RMD & Stretch IRA Calculator  Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
Company Stock Distribution Analysis Calculator  If you own company stock in a retirement plan you may be able to take advantage of using the long term capital gains tax rate rather than your ordinary income tax rate on this investment.
 

Tax Calculators

 
Estate Tax Planning  Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability.
Section 125 Cafeteria Plan  Use this calculator to see how participating in your employer's "Section 125 Cafeteria Plan" can help you pay less tax, and increase your net take home pay.
1040 Tax Calculator  How much in income taxes will you pay? Use this 1040 tax calculator to help determine your tax bill for next April.
U.S. 1040EZ Tax Estimator  Many people 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 to calculate your tax bill.
Marginal Tax Calculator  Use this calculator to determine your marginal and effective tax rates. This calculator sorts through the tax brackets and filing options to calculate your true tax liability.
Self-Employment Taxes  If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes.
 

Savings Calculators

 
CD Ladder Calculator  Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.
Certificate of Deposit Calculator  Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College Savings  Use this calculator to help develop or fine tune your education savings plan.
Emergency Savings Calculator  This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Savings Goals  What will it take to reach your savings goal? This financial calculator helps you find out.
Benefit of Spending Less  Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.
Don't Delay Your Savings!  Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost.
 

Personal Finance

 
Basic Financial Calculator  This 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  Analyze your budget, see where your money goes and find out where you can improve!
Life Expectancy  This 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 Worth  This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
Student Budget  This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.
 

Insurance Calculators

 
Disability Insurance  Use this calculator to determine your disability insurance needs.
Fixed Annuity Calculator  A Fixed Annuity can provide a very secure, tax deferred investment. Use this calculator to help you determine how a Fixed Annuity might fit into your retirement plan.
Immediate Annuity Calculator  Estimate what your monthly payments might be from an immediate annuity.
Life Insurance Calculator  How much life insurance do you really need? Find out here!
Long Term Care Calculator  Long 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.
 

 

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.