Financial Calculators

Please try M3’s wide variety of financial calculators. Our interactive calculations, dynamic graphs and fully customizable reports are just a few of the features that make our calculators stand out from our competitors.

This section includes a library of over one hundred financial calculators. The calculators are easy-to-use and provide in-depth analysis for virtually any financial scenario, along with graphs, charts and tables. The calculators are categorized by subject matter, which can be accessed from the links to the left or at the top.

Please give us a call if you need assistance with the input or understanding the computed results for any of the calculators. We are dedicated to providing our clients with valuable online resources to assist them with their everyday needs and long-range planning.


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Cash Flow Calculators

College Calculators

Does inflation impact my standard of living? How much should I be saving for college?
Should my spouse enter the work force? Will I Be Able To Pay Back My Student Loans?
What is my current cash flow?Should I live on campus, off campus or at home?

Credit Calculators

Home & Mortgage Calculators

How long will it take to pay off my credit card(s)? How much home can I afford?
How long until my loan is paid off? Should I refinance my home mortgage (breakeven)?
What would my loan payments be? Comprehensive mortgage calculator
Which is better: cash up front or payments over time? Comparing Mortgage Terms (i.e. 15, 20, 30 year)
What is the impact of making extra debt payments? Should I Pay Discount Points For A Lower Interest Rate?
  Should I Rent or Buy A Home?
 What Are The Tax Savings Generated By My Mortgage?
 Which is Better: Fixed or Adjustable-Rate Mortgage?
  Adjustable Rate Mortgage Calculator
  Compare An Interest-Only Versus Traditional Mortgage

Taxation Calculators

Insurance Calculators

What is my potential estate tax liability? How much life insurance do I need?
2007 Federal Income Tax estimator What are my needs for burial and final expenses?
Should I adjust my payroll withholdings? How much disability income insurance do I need?
How much self-employment tax will I pay? What are my long-term care insurance needs?
Capital gains (and losses) tax estimator What are the tax advantages of an annuity?
How much of my social security benefit may be taxable? How long will my current life insurance proceeds last?
Should I itemize or take the standard deduction? 
2008 Tax Refund Estimator  

Paycheck & Benefits Calculators

Qualified Plans Calculators

How much will my company bonus net after taxes? How much can I contribute to an IRA?
How will payroll adjustments affect my take-home pay? How much retirement income can my IRA provide?
Should I exercise my "in-the-money" stock options? Should I convert to a Roth IRA?
What is the impact of increasing my 401(k) contribution? What will my qualified plan be worth at retirement?
What is the impact of increasing my 457 Plan contribution? What are my lump sum distribution options?
  How do I maximize my employer 401(k) match?
  What is the impact of borrowing from my 401(k) plan?
  What is the impact of early withdrawal from my 401(k)?
  I'm self-employed, how much can I contribute to a retirement plan?

Retirement Calculators

Saving Calculators

How much will I need to save for retirement? How much should I save to reach my goal?
Are my current retirement savings sufficient? What will my current savings grow to?
Social Security retirement income estimatorHow do taxes and inflation impact my return?
I'm retired, how long will my savings last?What is my effective annual yield?
When should I begin saving for retirement?  
How much retirement income may my 401(k) provide?  
Compare a Roth 401(k) to a Traditional 401(K)  

Investment Calculators

Auto Calculators

Compare taxable / tax-free investment return Should I lease or purchase an auto?
What is the value of a bond? Auto purchase: loan versus 0% dealer financing?
What is the value of compound interest?Auto Loan: Accelerated Payoff
Taxable vs. tax-advantaged saving comparison. 
What is my risk tolerance? 

Business Calculators

Tax savings of a qualified retirement/cafeteria plan

Murphy, Murphy & Murphy's Library of Articles about Taxes in General

We are dedicated to keeping clients abreast of the latest tax law changes, planning strategies and vital tax-related information. This section includes a library of timely articles, due date reminders and much more. The articles are categorized by subject matter, which can be accessed from the links. Click on your topic of interest and find a wealth of information.

» Other Links » Tax Penalties
» Tax Organizer » Occupation Brochures
» Tax Topic Brochures » Tax Terms
» Economic Stabilization Legislation » Tax Law Changes
» Tax Planning Strategies » Calculators

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