Pension Financial Services - Participant Information

Calculators

The special calculators have been added to the site to help individuals to answer special financial questions as it relates to their specific situation. These are informational and interactive calculators which are made available to you as a self-help tool for your independent use and are not intended to provide investment advice. The information is not guaranteed as to their applicability or accuracy in regards to your individual circumstances. You are encouraged to seek personalized advice from qualified professional regarding all personal finance issues.

These calculators have been designed to be real-time, interactive and graphic. Each financial calculator was designed to do exactly three things:

Answer a specific financial question
Interactively recalculate and display results
Graphically illustrate the outcome

The calculators are intended to provide you the ability to answer a specific question regarding financial decisions ranging from retirement planning, IRA (traditional and Roth), conversions of IRA's, required distributions from plans, etc. In addition, we have other calculators aimed at your personal savings and person finance. The following calculators have been included for your use:

[Click categories below for Calculators]

Financial Calculators

Retirement Planner	Quickly determine if you retirement plan is on track - and learn how to keep it there.
Retirement Pension Planner	Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Social Security	Use this calculator to estimate your Social Security benefits.
Retirement Income Calculator	Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Roth vs Traditional IRA	Use this calculator to determine which IRA is right for you.
Roth IRA Calculator	Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Traditional IRA Calculator	How can contributing to a regular IRA help you in your retirement?
Roth IRA Conversion	This calculator will show the advantage, if any, of converting your IRA to a Roth.
Variable Annuity Calculator	How can a variable annuity help you save for retirement? Use this calculator to find out.
401(k) Savings Calculator	A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.
72T Calculator	The IRS Rule 72T allows for penalty free early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement.
Required Minimum Distributions	Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account.
Beneficiary Required Minimum Distributions	Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
403(b) Savings Calculator	If you are an employee of a non-profit tax-exempt organizations of a 403(b) can be one of your best tools for creating a secure retirement.
Retirement Shortfall Calculator	Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential short fall in your current retirement savings plan.
Pension Plan Retirement Options	Use this calculator to help decide between joint survivorship and single survivorship pension options.
College Savings	Use this calculator to help develop or fine tune your education savings plan.

Savings Calculators

Savings Goals	What will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes and Inflation	Use this calculator to determine how much your savings will be worth with these two important variables in mind.
Emergency Savings Calculator	This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Benefit of Spending Less	Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.

Personal Finance Calculators

Net Worth Calculator	This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
Life Insurance Calculator	How much life insurance do you really need? Find out here!
Home Budget	Analyze your budget, see where your money goes and find out where you can improve!
Life Expectancy Calculator	This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.

Please note that all financial calculators require a Java enabled browser. For best results use Internet Explorer 10.0 and higher. Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and 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.