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Financial Calculators

Retirement Savings and Planning
72(t) Distributions - Substantially Equal Periodic PaymentsThe IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. This calculator provides an advanced analysis of the 72(t) SEPP.
Beneficiary Required Minimum Distributions (RMD) - Advanced OptionsUse 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 CalculatorRunning 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 CalculatorUse this calculator to estimate your Social Security benefits.
Mortgage Calculators
Home Rent vs. Buy CalculatorAre you better off buying your home, or should you continue to rent?
Mortgage Qualifier CalculatorCan you buy your dream home? Find out just how much you can afford!
Loan Calculators
Amortizing Loan CalculatorEnter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
Credit Cards and Debt Management
Snowball Debt Elimination CalculatorThis Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule.
Investment Calculators
Municipal Bond Tax Equivalent YieldIncome 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.
Tax Calculators
Healthcare Flexible Spending Account Tax Savings CalculatorUse this calculator to see how a Healthcare Flexible Spening Account (Sectiion 125 Plan) can save you money on your income taxes.
Simple Federal Tax CalculatorEnter your filing status, income, deductions and credits and we will estimate your total tax for or refund.
Personal Finance
Home Budget AnalysisAnalyze your budget, see where your money goes and find out where you can improve!
Insurance Calculators
Life Insurance CalculatorFind out how much life insurance you really need!
Long Term Care CalculatorLong 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 Calculators
Business Valuation - Discounted Cash Flow CalculatorThis 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.

October Effect, Ltd
One Columbus Center, Suite 651A
Virginia Beach, VA 23462

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.