More people should learn to tell their dollars where to go instead of asking them where they went – Roger Babson



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

How much will it cost to pay off a loan over its lifetime?

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Determine whether you should consider refinancing your mortgage.

This calculator can help you determine how soon you can pay off your mortgage.

How Long Will It Take to Pay my Balance?

How much would your monthly lease payment be?

How much can you afford to pay for a car?

Estate Planning

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Retirement & Inflation

Use this calculator to estimate how much income and savings you may need in retirement.

Estimate the annual required distribution from your traditional IRA or former employer’s retirement plan after you turn age 72.

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

How Long Will Your Funds Last?

What will my net Social Security benefit be?

Taxes & IRA’s

This calculator can help you estimate your annual federal income tax liability.

Compare the potential future value of tax-deferred investments to that of taxable investments.

Use this calculator to determine whether you qualify for the different types of IRAs.

This calculator can help you determine whether you should consider converting to a Roth IRA.


Saving & Investing

How much do you need to save each year to meet your long-term financial goals?

Estimate the future value of your current savings.

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Cash Management

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

A balance sheet summarizes your assets and liabilities and reveals your net worth.

This calculator is designed to help you attach a dollar figure to your life’s work.

Risk Management

How much life insurance would you need to produce a sufficient income stream for your family?

Knowing your likely life expectancy is an important factor in making long-term financial plans.

Will you be able to afford nursing home care?

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

How much Disability Income Insurance do you need?

Other Helpful Links

The only site dedicated to providing free on-line credit
management services that includes a free personalized credit
counselor, bill due date reminders, financial calculators, low
cost loan alternatives and invaluable credit tips.

Fantasy Stock Market

Free, fun, and educational investment site. Test and enhance your
investment skills without using your own money. Plus Personal
Portfolio Tracker, Stock Quotes, Charting, Research, Most
Requested Stocks, Prizes and more.

All the information you need to evaluate stocks and make smart
investment decisions.

The only online dictionary you need for investing and financial

A non-profit, community service
organization offering confidential and professional credit
counseling, debt management and financial educational programs to
consumers nationwide


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E-Mail: [email protected]

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Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through AVP & Crump. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

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