Planning for Retirement

Roth vs. Traditional IRA – There are two basic types of individual retirement accounts (IRAs): the Roth IRA and the traditional IRA. Use this Roth vs. traditional IRA calculator to determine which IRA may be right for a retirement plan. Go to Calculator >>

IRA Minimum Distribution – The IRS requires that you withdraw at least a minimum amount known as a Required Minimum Distribution from your retirement accounts annually; starting the year you turn age 70-1/2. Use this calculator to determine your Required Minimum Distributions. Go to Calculator >>

Beneficiary Required Minimum Distribution – When you are the beneficiary of a retirement plan, specific IRS rules regulate the minimum withdrawals you must take. Use this calculator to determine your Required Minimum Distributions (RMD). Go to Calculator >>

401(k) Savings Calculator – Calculate your earnings and more using this 401(k) savings calculator. Go to Calculator >>

403b Savings Calculator – 403(b) plans are only available for employees of certain non-profit tax-exempt organizations: 501c(3) Corps, including colleges, universities, schools, hospitals, etc. If you are an employee of one of these organizations, a 403(b) can be one of your best tools for creating a secure retirement.Go to Calculator >>

Savings and Investment

College Savings – Use this college savings calculator link to help develop or fine-tune your education savings plan. Go to Calculator >>

Benefit of Spending Less – Use this calculator to see just how much your budget reductions may be worth, if you were to invest them. Go to Calculator >>

Loans and Mortgages

Mortgage Loan – Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay and your principal balances. Go to Calculator >>

Mortgage Payoff – Calculate your payment and more. This mortgage payoff calculator helps you find out how much interest can be saved by increasing your mortgage payment. Go to Calculator >>.

Mortgage Tax Deduction – Interest paid on a mortgage is tax deductible if itemized on the tax return. So are points that are paid to lower the interest rate. Use this mortgage tax deduction calculator to determine how much you could save in income taxes. To go Calculator >>

Mortgage Refinance Break-Even – How long will it take to break even on a mortgage refinance? Use this calculator to sort through the confusion and determine if refinancing your mortgage is a sound financial decision. Go to Calculator >>


Savings, Taxes and Inflation – How will taxes and inflation affect your savings and investments? Use this calculator to determine how much your savings and investments will be worth with this in mind. Go to Calculator >>

Marginal Tax Rate – For financial planning purposes, it’s important to know your marginal tax rate. Your marginal tax rate — including federal, state, and local income taxes and federal payroll and self-employment taxes — is the percentage that will come off the top of your next dollar of incremental taxable income. Go to Calculator >>

Information and interactive calculators are made available to you as self-help tools for your independent use. We do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Helpful Links



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Internal Revenue Service
AFR-Applicable Federal Rates
IRS Forms and Publications



Social Security Administration



Department of Veterans Affairs



Harris County Appraisal District



Montgomery County Appraisal District

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