Menu The Spectrum Financial Group, Inc. connect 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. Roth IRA Conversion This calculator can help you determine whether you should consider converting to a Roth IRA. 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 Office: (317) 846-2100 Fax: (317) 582-2350 9000 Keystone Crossing Suite 620 Indianapolis, IN 46240 sfg@spectrumfinancialgroup.com Only Zachary T. Scherer, Dennis Parrish, Robert "BJ" Knous, Paul Hare, Jeffrey Greenwell, Alexandra Parrish and Alexander (Al) Alessia offer securities through Securities America, Inc., Member FINRA /SIPC . Only Zachary T. Scherer, Dennis Parrish, Robert "BJ" Knous and Alexander (Al) Alessia offer advisory services through Securities America Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore it is important to coordinate with your tax or legal advisor regarding your specific situation. Spectrum Financial Group and Securities America are separate companies. 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