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. Investment Needed to Achieve Goal Use this calculator to determine the investment needed to achieve your goal. Children's Education Savings Use this calculator to evaluate and determine if you need to make changes to your college savings plan. Second Income Calculator Use this calculator to estimate your additional monthly net pay after expenses if your spouse is working. Flexible Spending Account Calculator This calculator shows the effect a Flexible Spending account will have on your net pay. Regular IRA vs. Roth IRA - Annual Contribution Use this calculator to determine whether a regular IRA or a Roth IRA is right for you. Retirement Income Planner Use this calculator to evaluate your retirement income plan. 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. Pay Points on Mortgage This calculator helps to determine if reducing your mortgage interest rate by paying points is the best option. Buying vs. Leasing - Auto Use this calculator to determine if you should lease or buy your next vehicle. Monthly to Bi-Weekly Loan Conversion This calculator shows how much sooner a loan or mortgage can be paid off and how much interest and expense can be saved if the payments are changed from monthly to bi-weekly and the payment amount is cut in half. Social Security Calculator Estimate your Social Security benefits using the Social Security Administration's Quick Calculator.