Financial Fitness
dvisors (FFA)

  Financial Fitness 
  Planning Tools

  Articles and
  Resource Materials

  Your link to
  T. Rowe Price

  Planning Resources

  Privacy and Security




Dartmouth-Hitchcock Financial Fitness Program
Calculators (Updated in July 2018!)

Try out these useful calculators.
These new calculators allow you to use them everywhere you have a browser. Phones, tablets, touch pads, desktops, laptops, just about everywhere!
Click here for 457 Calculator

Retirement Planner with Retirement Earnings - New!   Do you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your social security benefits up to, but not over, the maximum.

Roth vs Traditional 403(b)?
- New!



A 403(b) contribution can be an effective retirement tool. On or after January 1, 2012, you will have available a new type of 403(b) - the Roth 403(b). The Roth 403(b) allows you to contribute to your 403(b) account on an after-tax basis - and pay no taxes on investment income or qualifying distributions when the money is withdrawn. For some investors, this could prove to be a better option than contributing on a pre-tax basis, where deposits are subject to taxes when the money is withdrawn. Use this calculator to help determine the best option for your retirement.


Roth IRA Conversion with Distributions  - New version!



In 1997, the Roth IRA was introduced. This new IRA allowed for all gains (or growth) to be distributed completely tax-free provided certain requirements are met. Since then, people with incomes under $100,000 have had the option to convert all or a portion of their existing traditional IRAs to Roth IRAs. Starting in 2010, all IRA owners, regardless of income level, will be eligible to convert their traditional IRA to a Roth. Is this a good option for you? A conversion has both advantages and disadvantages that should be carefully considered before you make a decision. This calculator estimates the change in total net-worth, at retirement, if you convert your traditional IRA into a Roth IRA. It also allows you to compare the impact of future Required Minimum Distributions between these accounts for both the owner and their future beneficiaries.

Roth IRA Conversion - New!   This calculator estimates the change in total net-worth, at retirement, if you convert your Traditional IRA into a Roth IRA.
Personal Economic Recovery Calculator - New!  

Recovering from a devastating investment loss takes both time and very often new contributions. Even a very large investment loss can be recouped if you are able to leave your money invested and begin adding new money. This calculator helps you determine what it might take to regroup, rebuild and re-grow after such an investment loss.

1040 Tax Estimator - New!  

Enter your filing status, income, deductions and credits and we will estimate your total taxes. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April.

Social Security Benefits - New!   Do you wonder how much you might receive in Social Security? Use this calculator to help you estimate your Social Security benefits.
Investment Goal
- New!
  What will it take to reach your investment goal? Use this investment goal calculator to determine how much your investment might grow before taxes, after taxes and after taxes and inflation. It will also provide suggestions on what to change if your plan doesn't look like it will meet your investment goal.
Retirement Contribution Effects on Your Paycheck - New!

  An employer sponsored retirement savings account could be one of your best tools for creating a secure retirement. It provides two important advantages. First, all contributions and earnings are tax deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, many employers provide matching contributions to your account, which can range from 0% to 100% of your contributions. Use this calculator to see how increasing your contributions to a 403(b) or 457(b), if eligible, plan can affect your paycheck as well as your retirement savings. This calculator has been updated to use the new withholding schedules.
Cash Flow Analysis - New!   Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that.
Net Worth - New!   This tool helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
Mortgage Payoff - New!   Save thousands of dollars in interest by increasing your monthly mortgage payment.
Refinance Interest Savings - New!   Use this tool to see how much interest you can save by refinancing your mortgage!
Debt Consolidation - New!   Should you consolidate your debt? This tool is designed to help determine if debt consolidation is right for you.
Debt Payoff Acceleration - New!   Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This tool can show you how to accelerate your debt payoff.
College Savings - New!   Use this tool to help develop or fine tune your education savings plan.
Disability Income Needs - New!   Use this tool to determine your disability insurance needs.
Life Insurance Needs - New!   How much life insurance do you really need? Find out here!
Long Term Care Needs - New!   Long term care is needed by those who can’t perform the basic tasks required to take care of themselves. This tool can help you determine if you are properly prepared for this impending expense.
Estate Tax Planning - New!   Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this tool to estimate your estate tax liability.
Buy or Lease? - New!   Should you lease or buy your car? Use this calculator to find out! We calculate your monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.
Penalty Free Withdrawals (PFW) - New!   The IRS Rule 72(t) allows for penalty free, early withdrawals from retirement accounts. This allows you to begin receiving money from your retirement accounts before you turn age 59 1/2 without the normal 10% penalty. Use this calculator to determine your allowable 72(t) Distribution and how it can help fund your early retirement.
Impact of PFW - New!   The IRS limits how much can be withdrawn by assuming any future earnings will be at most 120% of the Federal Mid-Term. This conservative approach can help assure that you will not prematurely deplete your retirement account. However, if you have a higher rate of return your account can actually grow, even with your distributions. On the other hand, if you suffer losses your account your balance may end up shrinking faster than you might expect. This calculator is designed to examine the affects of 72T distributions on your retirement plan balance.
Required Minimum Distribution (RMD) - New!   The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually, starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning. Use this calculator to determine your Required Minimum Distributions.


  Any document containing personal or confidential information should always be password protected and encrypted on your end prior to sending to us. Please refer to our Password Protection section for additional details. Site best viewed using Windows XP SP 2 with Microsoft Internet Explorer Browser V 6.0, and Macintosh Panther OS X v10.3 with Safari Browser 1.2 v125. Some areas of our site employ resources that require current versions. Calculators and retirement planner require that JavaScript is enabled.  Copyright 2012, C. E. Humphrey Associates, Inc., Pittsfield, New Hampshire  03263-3815