menu Financial Calculators Retirement Social security retirement income estimator How does inflation impact my retirement income needs? Convert discretionary expenses to savings Savings Becoming a millionaire How long will it take to double my money? How long until my savings reach my goal? Save now vs. save later How much should I save to reach my goal? What will my current savings grow to? Calculate rate of return How do taxes and inflation impact my return? Insurance What is my life expectancy? What are the chances of becoming disabled? How much will I earn in my lifetime? What are the tax advantages of an annuity? How long will my current life insurance proceeds last? Taxation Federal income tax calculator How much self-employment tax will I pay? What is my tax-equivalent yield? Tax refund estimator Tax freedom day Home & Mortgage Comprehensive mortgage calculator Should I convert to a bi-weekly payment schedule? What are the tax savings generated by my mortgage? Compare an interest-only versus traditional mortgage College Will I be able to pay back my student loans? Advantages of the Coverdell ESA. Advantages of a 529 College Savings Plan What is the value of a college education? What are the payments on a parental (PLUS) loan? Cash Flow Should I pay down debt or invest more? How long will my money last? Historical inflation - Compare purchasing power Credit How long will it take to pay off my credit card(s)? How long until my loan is paid off? What would my loan payments be? What is the balance owing on my loan? Which is better, cash up front or payments over time? What is the impact of making extra debt payments? Should I pay off debts or invest the money? Paycheck & Benefits Convert my salary to an equivalent hourly wage. Convert my hourly wage to an equivalent salary. Auto Auto purchase - Loan vs. 0% dealer financing? What would my auto payments be? Auto loan - Accelerated payoff FINRA Calculators Smart Bond Investing Accrued Interest Calculator Retirement Calculator College Savings Calculator Savings Calculator 401(k) and IRA Minimum Required Distribution Calculator Link Disclosure: The information being provided is strictly as a courtesy. When you click on any of the links provided here, you are leaving this website and viewing information provided by a third party. We make no representation as to the completeness or accuracy of information provided by any third-party website. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. By accessing these calculators, you assume total responsibility and risk for your use of the third-party website. Want to Learn More? Give Us a Call or Message Us! Contact Us Office 2478 US Highway 27 N Sebring FL 33870 Contact Info P: 863-402-5650 F: 863-402-5651 TF: 866-373-7191 E: jrclark@waypointsfinancial.com E: scrutchfield@waypointsfinancial.com E: vdivietro@waypointsfinancial.com E: linda@waypointsfinancial.com E: kdennison@waypointsfinancial.com Get in Touch You must have JavaScript enabled to use this form. Your name This field is required. Your email address This field is required. Subject This field is required. Message This field is required. Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods. © 2021 Waypoints Financial All rights reserved.