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Retirement

Estate Tax Planning Calculator

Estate Tax Planning Calculator Estate tax planning is very important to preserving your wealth for future generations. Knowing your potential estate tax liability is a

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Savings

Net Worth

Net Worth Your net worth is the value of all of your assets, minus the total of all of your liabilities. Put another way, it

But I Don't Wanna Retire
Retirement

Retirement Planner Calculator

Retirement Planner Calculator Do you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan.

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Investing

Investment Savings and Distributions

Investment Savings and Distributions Use this calculator to help you determine how long your investment savings might last. Enter your current savings plan in the

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Retirement

Retirement Plan Withdrawal Calculator

Retirement Plan Withdrawal Calculator Withdrawing money from a qualified retirement plan, such as a Traditional IRA, 401(k) or 403(b) plan, among others, can create a

take control of your finances
Debt

Amortizing Loan Calculator

Amortizing Loan Calculator Enter your desired payment – and let us calculate your loan amount. Or, enter in the loan amount and we will calculate

Retirement

401(k) Calculator

401(k) Calculator A 401(k) can be one of your best tools for creating a secure retirement. It provides you with two important advantages. First, all

Budget

Debt-to-Income Ratio

Debt-to-Income Ratio Use this calculator to quickly determine your debt-to-income ratio. This is the percentage of your gross income required to cover your housing and

take control of your finances
Debt

Mortgage Calculator

Mortgage Calculator Use this mortgage calculator to determine your monthly payment and generate an estimated amortization schedule. Quickly see how much interest you could pay

Major Purchases

Home Rent vs. Buy Calculator

Home Rent vs. Buy Calculator Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer

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Savings

Cool Million Calculator

Cool Million Calculator What might it take to save one million dollars? This financial calculator helps you find out. Enter in your current savings plan

Understanding Mutual Funds
Investing

Investment Goal Calculator

Investment Goal Calculator What will it take to reach your investment goal? Use this investment goal calculator to determine how much your investment might grow

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Budget

Should My Spouse Work?

Should my spouse work? This calculator is designed to help you see the financial impact of adding, or removing, a spouse’s income to your household.

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Investing

Lump Sum Future Value Calculator

Lump Sum Future Value Calculator Use this calculator to determine the future value of an investment. Javascript is required for this calculator. If you are

look back think forward
Investing

Future Value Calculator

Future Value Calculator Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic

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Savings

Emergency Savings Calculator

Emergency Savings Calculator Having adequate emergency savings can make unforeseen unemployment, auto repairs, medical emergencies, property damage and even legal issues more manageable. With adequate

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Major Purchases

Lease vs. Buy Calculator

Lease vs. Buy Calculator Should you lease or buy your car? Use this calculator to find out! We calculate your monthly payments and your total

Black car
Major Purchases

Car Loan Calculator

Car Loan Calculator Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your

Blended Retirement

BRS Lump Sum Pay

The pension under the BRS can be received in a partial lump sum.

Blended Retirement

TSP Max: Take it to the Limit!

This video explains why maxing out your TSP too quickly under the BRS could cost you valuable matching contributions.

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Budget

A Method to the Budgeting Madness

Think of learning to stick to a budget, like training for a fitness goal. If you want to run a marathon, you’ll put together a training plan

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Budget

Big Money Coming In

Making a spending plan isn’t just about tracking your expenses. It also means looking carefully at what you have to work with — your income.

Budget Recon
Budget

Budget Recon

Ready to create a budget? Great! First, know where you stand by tallying up all the funds coming in (whoo hoo!) and all the spending

Budget Strategy
Budget

Budget Strategy

Once you know what money you have to work with and where it goes, you get to shift focus from what is to what could be. Where do you

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Budget

Getting Prepared for Deployment

Getting Financially and Legally Prepared for Deployment If deployment is on the horizon, you need to prepare for any possible life scenario. Part of this

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Budget

Expense, Expense, Expense

Think you’ve got a handle on the funds coming in? Then it’s time to look at the money going out. We know this may be

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Budget

Review Your Finances before Deploying

Deployment: It’s a basic fact of military life. It’s also one of the most challenging situations a military family can face. Lives and living situations

Spending Plan Analysis
Budget

Spending Plan Analysis

You’ve put a lot of time and effort into this spending plan thing. Once you’ve created a plan, try to stick to it. Don’t take on an

Spending Plan Launch
Budget

Spending Plan Launch

Now that you know how much you can afford to spend in each spending plan category and still move towards your savings goals, it’s time to live

Budget

Download the Budget worksheet to help your family create a budget they can stick to.

Debt to Income

Download the DTI worksheet to determine your Debt-To-Income ratio.

Red Flag Credit Test

Download the Red Flag Credit Test worksheet to find out where your personal credit situation stands.

Savings Pro

Download the Savings Pro worksheet and you will be saving like a Pro in no time.

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Credit

Are Credit Cards Bad?

There’s no denying that cards get a lot of people in a lot of financial trouble. But the real answer to this question is up

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Credit

Credit fix scams

Getting caught in a credit crisis can make you desperate and vulnerable to scams. You want that house, that car, or even that job — and you’ll

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Credit

Good Credit Advice

If you have little or no credit history, it’s difficult for lenders to decide whether you are a good credit risk. On the other hand,

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Credit

How Can I Get Started with Credit

Does qualifying for credit feel like a classic chicken or egg situation? It doesn’t have to be. With the right moves you can start building

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Credit

Why does paying on time matter?

When you want to build positive credit history and improve your credit score, the most important rule to remember is never, never, never be late

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Credit

Why Should I Think About Credit?

Why Should I Think About Credit Right Now? Too often, people don’t worry about credit until they want something big. But when the day comes

Before You Take On Debt
Debt

Before You Take on Debt

Debt isn’t something you jump into blindly. To make sure you consider all the variables, grab a pen and paper, and analyze its RIFF (Repayment

payday loans
Debt

Dangerous Debt Behaviors

Using a credit card to pay for impulse purchases. Taking on debt without a realistic plan to pay it back. Losing track of how much

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Debt

Debt: The Good, The Bad & The Ugly

Debt is tricky. Though it’s an extremely useful financial tool many people depend on, it can be very dangerous when used improperly or carelessly. Here’s

Deep In Debt Grab A Lifeline
Debt

Deep In Debt? Grab A Lifeline

It can be reassuring to know that if you ever find (or have already found) yourself in too deep, there’s help. There are wonderful nonprofit

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Debt

How to Make Credit Cards Work

How to Make Credit Cards Work For You (Not Against You) For better or worse, credit cards are a big part of our society today.

Lets Assess Your Debt
Debt

Let’s Assess Your Debt

It’s hard to know whether you’re doing a good job at curbing your debt, if you could do better, or if you could do A

Take Control of Your Finances
Debt

Take Control of Your Finances

Adjust your lifestyle so that you are no longer adding to your debt. Pay bills on time to avoid unnecessary late fees and high interest

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Insurance

Auto Insurance Knowledge

Top Things Military Personnel Should Know About Auto Insurance If you’re a service member or a service member’s spouse, and you’re relocating to a city

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Insurance

Resolve to Review Insurance Coverages

Take a more financially savvy approach to your insurance by sitting down and reviewing your current policies. That means homeowners, auto, renters, health and any

Why Invest?
Investing

Why Invest?

The sooner you start investing the better. Find out why!

Diversify Your Portfolio
Investing

Diversify Your Portfolio

It’s true that buying into a single mutual fund or exchange traded fund (ETF) delivers more effective diversification than you can create on your own.

Find Your Mix
Investing

Find Your Mix

Smart investors don’t put all their investment eggs in one basket. Instead, they put money into a mix of different baskets when trying to …

It's a Gamble...Right?
Investing

It’s A Gamble… Right?

Let’s get one thing clear: Investing isn’t gambling. It’s a way to take on calculated risks over time to put your money to work for

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Investing

Just Say No To Investment Gurus and Hype

The market is always in motion. Every day, events around the world create upturns and downturns, and countless opportunities for pundits and “experts” and all

Look Back Think Forward
Investing

Look Back Think Forward

How will the next 30 years of investment performance benefit you? No one can say for certain, but you can look at the past to

Make Investing Your New Normal
Investing

Make Investing Your New Normal

When we say investing, do you picture a bunch of old guys in top hats smoking cigars at the country club? Ok … just stop.

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Investing

Mutual Funds Making Investing Easy

You grew up with the Internet, right? Right. Today, it’s easy to open a brokerage account online, deposit some money, and start trading. Great. But

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Investing

Pick Your Investing Path

Deciding which investments to make takes time and energy, and just making the investments often costs money. You can save on investment costs by going

What's the Rush?
Investing

What’s the Rush?

“I know, I know, I’ll get to it.” If you’ve ever thought that about investing, you’re not alone. But you’re also not right. With investing,

Investing

Why Take Chances?

Okay, say you don’t want to take on risk or tie up your money in investments. You might be asking yourself: “Do I have to

your investment mindset
Investing

Your Investment Mindset

There’s no one way to invest. There’s no exact formula for success. There is, however, a reason to get in there and try. Develop a

cyber bullying by the numbers
Legal Documents

Cyberbullying

Bullying is no longer something that occurs on the school playground. This infographic will help you learn more about the rise in cyberbullying, what exactly

life after the military starting your new career
Legal Documents

Starting Your New Career

Making the switch from a military to a civilian career can be much different than what you are used to. Learn various tips and tricks

nothing can be more painful than loneliness
Legal Documents

Suicide Prevention

When life seems hopeless, always know that there is hope. Learn some of the signs of suicidal thoughts and how to encourage anyone experiencing these

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Major Purchases

Analyzing Major Purchases

If you’re contemplating a big buy, spend a few minutes with the Major Purchase Worksheet on the following page to help you decide if you’re

are cool cars worth the cost
Major Purchases

Are Cool Cars Worth the Cost?

Come on admit it. Just the look of some cars (or trucks) can get your blood pumping. They can even get some people to fork

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Major Purchases

Five Rules for Buying a House

Buying a house is a great way to feel like you’re part of the community. But it’s also a huge financial decision with far-reaching implications.

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Major Purchases

How to Win at Major Purchases

There’s no question about it: major purchases require major consideration. But before you can even go there, you have to first acknowledge that it’s a

That Sweet Ride
Major Purchases

That Sweet Ride

There’s more to buying a car than thinking you can afford the monthly car payment. Make sure you understand exactly what you are getting yourself

man holding car keys in right hand
Major Purchases

Wheels Within Your Means

Too many people buy houses and cars way beyond their means. “House poor” is a common term. But there are probably even more people who

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Paying for College

Plan Your Next Steps

Get Career College-Specific Assistance To Plan Your Next Steps If your child is enrolled in one of the many career education high schools around the

am i ready to save for retirement
Retirement

Am I Ready to Save for Retirement?

Investing for retirement is a wealth building strategy you should think about sooner rather than later. But it’s not something you should just jump into

But I Don't Wanna Retire
Retirement

But I Don’t Wanna Retire

When we go on about retirement, do you drift off? We get it. Retirement may seem irrelevant when you’re young and excited about a brand

sunset siloette of a man leaning on a golf cart holding a golf club
Retirement

Do You Like Retirement Vehicles?

We’re talking about investment vehicles you can use to work towards your biggest, farthest out goals like retirement…aka making work optional someday. While there may

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Retirement

Retirement Savings

How Else Can I “Do” Retirement Savings? Want to do more to get to retirement? Or maybe you’ve got goals other than retirement on your

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Retirement

Stick To The Program

This may seem painfully obvious, but let’s get one thing clear: If you don’t leave your retirement savings for retirement, well … you won’t be

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Retirement

Traditional TSP VS. Roth TSP

With all the benefits of the TSP, participation is a no brainer for a lot of servicemembers. But there are a couple of things to

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Retirement

Traditional vs. Roth IRAs

Both kinds of IRAs are geared to help you get to the golden years. Each has tax advantages, rules, and limits to consider before you

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Retirement

What’s My Raise Got to Do with It?

With regular pay increases built right into the military system, you’re gaining skills, moving through the ranks, and making bank. When raises start rolling in,

whats so great about iras
Retirement

What’s So Great About IRAs?

IRA stands for Individual Retirement Arrangement. If you want to do more to invest for retirement than your employer-provided TSP, or you just want to

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Retirement

What’s So Great About the TSP?

Ready to start investing for retirement? Don’t overlook one of the easiest ways to get started: the Thrift Savings Plan, or TSP. This tax-advantaged program

Emergency Funds
Savings

Emergency Funds

Life happens! And having cash in the bank can help make it easier.

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Savings

5 Foolproof Ways to Save

We don’t need to tell you all the reasons why it’s a good idea to save money. You know that already. What you might not

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Savings

5 QUICK TAX REFUND TIPS

Is your bank account about to get a big boost from a tax refund? If so, here are five quick tips to help you make

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Savings

A Saving Strategy for Millenials

A Savings Strategy for Millennials and Other Generations It seems like everyone describes the millennial generation as if each member is exactly the same –

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Savings

Better Know Your Savings Accounts

For a short-term savings strategy (anywhere from 1 month to 3 years), there are a number of savings account types you should consider. The advantage

Pay Yourself First
Savings

Pay Yourself First

You have to pay everyone else —shouldn’t you get your share too? The answer is, you should. Your spending plan helps you pay yourself, first.

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Savings

Savvy Shopping Equals Big Savings

During Military Family Appreciation Month, service members will find many businesses offering additional discounts and special savings on a variety of products and services and

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Savings

Successful Savings Starts Here

Ready? Now that you’re basically a savings pro, let’s get it down on paper while it’s still fresh. Answer the following questions (do it over

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Savings

The Unexpected is Expensive

Unexpected expenses come in many forms and can quickly get you into debt or push you further into debt. Prepare for these unexpected expenses with

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Savings

Work Up To Savings

To reach your savings goals, you may have to cut back — or cut out — spending in other areas. This is how budgeting gets

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Credit

Credit Scores

Review your credit score gameplan and make sure you’re on track to that high credit score!

get out of debt 5 steps to put you on the right path
Debt

Get Out of Debt

Use these five financial tips to help navigate your way out of debt and achieve your financial freedom.

which car infographic featured image
Major Purchases

Which Car?

Finding the perfect vehicle for your teenager can be difficult. Learn the best considerations to make when choosing a vehicle for them with this helpful

each day in the us more than 9 people are killed and over 1000 are injured in crashes involving distracted driving
Insurance

Distracted Driving

Anytime you are behind the wheel, but not focused on the road in front of you, you are putting your safety at risk.

instant money equals instand debt
Debt

Military Payday Loans

Despite their relative convenience, getting easy money through a military payday loan can do much more harm than good. Learn how payday loans can actually

what you need to know about credit scores
Credit

Give Yourself Credit

Learn more about what factors affect your credit score and how your financial habits can change your score for the better or for the worse.

How Do They Calculate My Credit Score?
Credit

Credit Report Links

Use these links to check your personal credit report from one of the three major credit reporting agencies. Annual Credit Report Request Equifax Experian TransUnion

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Legal Documents

Military Support Links

Links to Help You Navigate Your Military Lifestyle These links should help you navigate your military lifestyle questions. FINRED Defense Finance and Accounting Service Internal