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Calculators

Only 46% of U.S. workers have tried to determine how much they will need to save for a comfortable retirement.¹
Source 1) Employee Benefit Research Institute, 2010

How much retirement income will you need? Should you refinance your mortgage? How much life insurance is enough? What type of IRA is right for you?

Our financial calculators are designed as educational tools to help you estimate answers to common financial questions. They are not intended to predict future returns or results. Simply click on one of the general financial topics below and you'll find a selection of easy-to-use calculators about related financial topics.

Loans & Credit Cards

Loan Payoff
Home Affordability
Mortgage Refinancing
Mortgage Acceleration
Credit Card Debt
Lease Interest
Lease Payment
Car Affordability

Estate Planning

Estate Taxes

Retirement & Inflation

Cost of Retirement
Required Minimum Distributions
Impact of Inflation
Retirement Plan Early Distribution
Personal Inflation Rate
Retirement Portfolio Lifespan
Taxes & IRAs

Federal Income Tax
Tax-Deferred Savings
IRA Eligibility
Roth IRA Conversion

Saving & Investing

Risk Tolerance
College Funding
Savings Goals
Savings Accumulation
Taxable Equivalent Yield
Capital Gains Taxes
Cash Management

Cash Flow Analysis
Net Worth
Lifetime Earnings
Financial IQ Test

Risk Management

Life Insurance
Life Expectancy
Long-Term Care Self Insurance
LTCI Cost of Waiting
Disability Income Insurance

The Registered Representatives offer securities products and services through Park Avenue Securities LLC (PAS) 7 Hanover Square, New York, NY 10004, 1-888-600-4667. Westward Financial Strategies is not an affiliate or subsidiary or PAS.

PAS is a member of FINRA/SIPC.

The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside. Neither PAS nor its representatives provide tax or legal advice.

The associates of Westward Financial Strategies are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact us at (314) 800-1155.

Neither Guardian, nor its subsidiaries, agents or employees give tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.

The Living Balance Sheet® and The Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws.

© Copyright 2005–2010, The Guardian Life Insurance Company of America

GEAR 2011-7964