Loan Amortization Calculator Use this calculator to calculate a loan amount based on your desired monthly payment or to calculate a monthly payment based on a loan amount. Mortgage Refinance Breakeven Use this calculator to determine if you should refinance your mortgage and when you will break even. Buying vs. Leasing - Auto Use this calculator to determine if you should lease or buy your next vehicle. Regular IRA vs. Roth IRA - Annual Contribution Use this calculator to determine whether a regular IRA or a Roth IRA is right for you. Minimum IRA Distribution Use this calculator to determine the amount that the federal government requires you to withdraw annually from your IRA. 72(t) Calculator 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. Retirement Income Planner Use this calculator to evaluate your retirement income plan. Social Security Calculator Estimate your Social Security benefits using the Social Security Administration's Quick Calculator. Section 125 Cafeteria Plan Use this calculator to see how participating in your employer's "Section 125 Cafeteria Plan" can help you pay less tax, and increase your net take home pay.