Calculators and Tools

The calculators and tools below will help you plan for your future financial security.

Auto

• Auto Insurance:   Learn more about auto insurance and what causes rates to change.
• How long should I keep a vehicle?   Calculate the cheaper option: buying a vehicle and owning it for a long period, or selling and buying a new vehicle more often.
• How much will my vehicle payments be?   Calculate how your monthly payment varies based on loan amount, loan term, and interest rate.
• What vehicle can I afford?   Calculate the size of vehicle loan you can obtain based on your down payment, vehicle purchase price, and loan terms.
• Should I lease or purchase a vehicle?   Decide whether to lease or borrow for a vehicle purchase.
• Which is better: a new or used vehicle?   Decide whether to buy a new or used vehicle based on purchase price, depreciation, operating costs, years of ownership, and financing costs.

Home

• Home Insurance:   Learn about the basics of a typical homeowner's policy; what is and isn't covered.
• How much can I borrow?   Decide the amount you can borrow based on your current income and expenses.
• How much will my mortgage payments be?   Calculate your monthly mortgage payment for a given loan amount, interest rate, and loan term.
• Household Inventory Checklist: (Excel, PDF or Doc)  Start and maintain a detailed listing of your home inventory and possessions.
• Renters Inventory Checklist: (Excel, PDF or Doc)  Start and maintain a detailed listing of your residential inventory and possessions.

Life

• Life Insurance:   Learn how to calculate how much life insurance you need and which policy is the best fit for you.
• Age Predictor:   Find out how long you could live and learn more about living longer.
• How much life insurance do I need?   Calculate how much life insurance coverage your family may need to cover future expenses in the event of your death.
• Which is better: term or universal life?   Compare rates of return for term and universal life insurance policies based on three different periods.
• Personal & Family Record:   Organize a detailed listing of important personal information in one place.

Retirement

• Retirement Planning:   Learn the basic differences of retirement plans.
• Destination Retirement:  Find out if you are on track to meet your retirement goals.
• Am I saving enough for retirement?   Answer questions related to your retirement goals based on age, expected length of retirement, estimated living expenses, and how much you wish to leave for heirs.
• How much will Social Security provide?   Project your Social Security benefits based on your age, expected length of retirement, and additional income you expect to earn after you are eligible to receive benefits.
• Roth 401(k) Analysis Tool:   Generate a detailed analysis of contributing to a Roth 401(k) on your take-home pay, contribution percentages, and multiple tax situations.
• Solo 401(k) Contribution Calculator:   Calculate the maximum amount you can contribute to a Solo 401(k).

Saving and Investing

• Weather the Storm:   Discover your financial forecast and start planning for financial security.
• Risk Tolerance Quiz:   Allocate your investment dollars based on your tolerance for investment risk.
• How much will my savings be worth?    Calculate the future value of your savings based on your initial lump-sum investment, number of years to save, monthly savings amount, savings interest rate, and inflation rate.
• What will it take to become a millionaire?    Calculate how long it will take you to save $1 milliion based on your initial lump-sum investment, number of years to save, monthly savings amount, savings interest rate, and inflation rate.
• Your Financial Security Index Quiz:    Rate your overall level of financial security and compare yourself to the national COUNTRY Financial Security Index.
• Budget Worksheet: (Excel or PDF)  Set up a personal budget on a printable worksheet.
• Debt Payoff Worksheet: (Excel or PDF)  Set up a printable budget for debt obligations and start eliminating burdensome debt.
• Spending Worksheet: (Excel or PDF)  Track on a printable worksheet how much money you spend each month.
• Holiday Budget Worksheet: (Excel or PDF)  Set up a printable budget to track gift giving for any holiday.

Education

• Paying for College:   Learn about how much college is going to cost and how to pay for it.
• Sources of Financial Aid:   Learn about options to help pay for college, the financial aid process, and student loan repayment.
• What will it take to save for a college education?  Calculate how to save a lump-sum amount to pay future college tuition based on an inflation rate you enter.

Safety

• Just for Kids:  Experience games, quizzes, and lots of fun stuff to help your kids keep safe, both at and away from home.
• Reddy's Safety Zone:   Use fun, interactive tips and helpful hints to discuss safety concerns with your children. 

Claims

• Claims Checklist:  Collect details for auto, property, and workers compensation claims on a printable sheet.  
• Crop Loss Calculator:   Calculate if you may have a potential loss for corn, soybeans, wheat, and barley crops.