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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. Time To Payoff Credit Card Use this calculator to calculate the monthly payment and length of time it will take to pay off your credit card. Buying vs. Leasing - Auto Use this calculator to determine if you should lease or buy your next vehicle. Flexible Spending Account Calculator This calculator shows the effect a Flexible Spending account will have on your net pay. Retirement Income Planner Use this calculator to evaluate your retirement income plan. Investment Needed to Achieve Goal Use this calculator to determine the investment needed to achieve your goal. Regular IRA vs. Roth IRA - Annual Contribution Use this calculator to determine whether a regular IRA or a Roth IRA is right for you. Children's Education Savings Use this calculator to evaluate and determine if you need to make changes to your college savings plan. Ratio Calculators Use these calculators to assess your company's liquidity, profitability and efficiency based on your financial statement data.