Financial Calculators
| 72(t) Distributions - Substantially Equal Periodic Payments | The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. This calculator provides an advanced analysis of the 72(t) SEPP. |
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| Beneficiary Required Minimum Distributions (RMD) - Advanced Options | Use this calculator to determine the Required Minimum Distribution (RMD) for different types of beneficiaries. This includes spouses, non-spouses and chronically ill individuals and non-adult children. |
| Retirement Shortfall Calculator | Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan. |
| Social Security Benefit Calculator | Use this calculator to estimate your Social Security benefits. |
| Home Rent vs. Buy Calculator | Are you better off buying your home, or should you continue to rent? |
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| Mortgage Qualifier Calculator | Can you buy your dream home? Find out just how much you can afford! |
| Amortizing Loan Calculator | Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment! |
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| Snowball Debt Elimination Calculator | This Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule. |
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| Municipal Bond Tax Equivalent Yield | Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond. |
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| Healthcare Flexible Spending Account Tax Savings Calculator | Use this calculator to see how a Healthcare Flexible Spening Account (Sectiion 125 Plan) can save you money on your income taxes. |
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| Simple Federal Tax Calculator | Enter your filing status, income, deductions and credits and we will estimate your total tax for or refund. |
| Home Budget Analysis | Analyze your budget, see where your money goes and find out where you can improve! |
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| Life Insurance Calculator | Find out how much life insurance you really need! |
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| Long Term Care Calculator | Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense. |
| Business Valuation - Discounted Cash Flow Calculator | This tool calculates a business valuation based upon the discounted cash flow methodology - illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value. |
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October Effect, Ltd
One Columbus Center, Suite 651A
Virginia Beach, VA 23462