Securities offered through: TFS Securities, Inc., 437 Newman Springs Road, Lincroft, New Jersey  07738 phone: 732-758-9300 w email: davidmuldowneyjr@tfsrep.com Member FINRA & SIPC Licensed in New Jersey, Florida and Missouri  We provide a library of financial calculators to help you begin planning your financial future-from forecasting your retirement options or child's college fund to estate planning and mortgage refinancing. Interactive calculations, dynamic graphs, and fully customizable reports are just a few features provided with our calculators to support thorough financial planning and a sound decision-making process. Though not a substitute for advice and information provided by a qualified professional, our calculators offer a good starting point to a secure future.  Lets get started:

Mortgage Calculator Use this calculator to view the total interest and total payment for a mortgage based on the loan amount, years of payments, and annual interest rate you enter. Mortgage Refinance Breakeven Use this calculator to determine if you should refinance your mortgage and when you will break even. Time To Payoff Credit Card Use this calculator to calculate the monthly payment and length of time it will take to pay off your credit card. Regular IRA vs. Roth IRA - Annual Contribution Use this calculator to determine whether a regular IRA or a Roth IRA is right for you. Buying vs. Leasing - Auto Use this calculator to determine if you should lease or buy your next vehicle. Years to Become a Millionaire This calculator computes the number of years it will take for an initial investment along with monthly contributions to accumulate to $1 million. Second Income Calculator Use this calculator to estimate your additional monthly net pay after expenses if your spouse is working. Minimum IRA Distribution Use this calculator to determine the amount that the federal government requires you to withdraw annually from your IRA. IRA Distribution Before Age 59 1/2 Calculator This calculator computes exceptions from the penalty for early distribution (before age 59 1/2) from an IRA. Loan Calculator Use this calculator to view the total interest and total payment for a mortgage based on the loan amount, years of payments, and annual interest rate you enter. Paycheck Calculator - Hourly This calculator computes gross and net pay for an hourly paycheck and displays the various withholdings. Paycheck Calculator - Salaried This calculator computes net or gross pay for a single paycheck and displays the various withholdings. Children's Education Savings Use this calculator to evaluate and determine if you need to make changes to your college savings plan. Flexible Spending Account Calculator This calculator shows the effect a Flexible Spending account will have on your net pay. Investment Needed to Achieve Goal Use this calculator to determine the investment needed to achieve your goal.