skip navigation Joan Siegel, CFP® Certified Financial Planner™/ Tax Preparer HOME ABOUT US RESOURCES CONTACT US CALCULATORS How much retirement income will you need? 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. These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk of loss. Actual results will vary. LOANS & CREDIT CARDS Loan Payoff How much will it cost to pay off a loan over its lifetime? Home Affordability Estimate of the maximum amount of financing you can expect to get when you begin house hunting. Mortgage Refinancing Determine whether you should consider refinancing your mortgage. Mortgage Acceleration This calculator can help you determine how soon you can pay off your mortgage. Credit Card Debt How Long Will It Take to Pay my Balance? Lease Payment How much would your monthly lease payment be? Car Affordability How much can you afford to pay for a car? ESTATE PLANNING Estate Taxes Use this calculator to estimate the federal estate taxes that could be due on your estate after you die. RETIREMENT & INFLATION Cost of Retirement Use this calculator to estimate how much income and savings you may need in retirement. Required Minimum Distributions Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 72. Impact of Inflation Estimate the future cost of an item based on today’s prices and the rate of inflation you expect. Retirement Plan Early Distribution Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan. Retirement Portfolio Lifespan How Long Will Your Funds Last? TAXES & IRAS Federal Income Tax This calculator can help you estimate your annual federal income tax liability. Tax-Deferred Savings Compare the potential future value of tax-deferred investments to that of taxable investments. IRA Eligibility Use this calculator to determine whether you qualify for the different types of IRAs. SAVING & INVESTING College Funding Use this calculator to estimate the cost of your child’s education, based on the variables you input. Savings Goals How much do you need to save each year to meet your long-term financial goals? Savings Accumulation Estimate the future value of your current savings. Taxable Equivalent Yield Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield. CASH MANAGEMENT Cash Flow Analysis This Cash Flow Analysis form will help you weigh your income vs. your expenses. Net Worth A balance sheet summarizes your assets and liabilities and reveals your net worth. Lifetime Earnings This calculator is designed to help you attach a dollar figure to your life’s work. RISK MANAGEMENT Life Insurance How much life insurance would you need to produce a sufficient income stream for your family? Life Expectancy Knowing your likely life expectancy is an important factor in making long-term financial plans. Long-Term Care Self Insurance Will you be able to afford nursing home care? LTCI Cost of Waiting Estimate the potential cost of waiting to purchase a long-term care insurance policy. Disability Income Insurance How much Disability Income Insurance do you need? CONTACT US 212-45 26th Avenue Suite 5 Bayside, NY 11360 Phone: 718-423-7020 Fax: 718-423-1574 E-mail address: joan@joandsiegel.com Securities offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA, SIPC. Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA, SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information please contact the representative(s) listed on the site, visit the Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com+ Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services. The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states: We are licensed to sell Insurance Products in CA,CT,FL,IL,MA,MI,NC,NJ,NV,NY,PA,TN,TX,VA. We are registered to sell Securities in CA,CT,FL,IL,MA,MI,NC,NJ,NV,NY,PA,TN,TX,VA. 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