Explore your monthly fixed and flexible expenses and identify areas for additional saving.

Do you have enough in savings in case you lose your job or have a minor emergency? Explore how much is recommended you maintain in an emergency fund.

Explore whether your current life insurance coverage is sufficient to cover your dependents’ expenses in the future.

See how far your college savings may go and estimate the amount of additional money you may need to save to pay for college.

Explore how refinancing your student loans may affect your monthly payments and total amount owed.

Get a sense of how refinancing your mortgage may help reduce your monthly payments.

Two common methods of paying off debts are the avalanche method, where debts with the highest interest rates are paid off first, and the snowball method, where the smallest debts are paid off first. Find out how much interest you may save by using one method over the other.

Should you use your extra money to pay down debt or put into an investment? Generally, it’s advisable to invest only if the return on investment would exceed your cost of debt. Explore how your rate of return could compare to your cost of debt, taking taxes into account.

Estimate how much money you may earn from your investments over time, based on the amount of money you invest and the expected rate of return.

Some HSAs allow you to invest any funds in your HSA once you meet a minimum cash amount, enabling you to potentially earn more on that money than you would otherwise if you left all your HSA money in the cash account. Explore how much more money you may be able to earn over time if you invested all eligible funds in your HSA.

Your lifestyle choices may have implications for your spending in retirement. Use this calculator to estimate how your lifestyle choices in retirement, as compared to your current lifestyle, may affect your expenses.

Understand the potential growth and tax implications of two different types of retirement savings accounts so you can choose which one works best for you. Compare pretax accounts (where contributions are not taxed and retirement withdrawals are subject to income tax) and Roth accounts (where contributions are after tax but retirement withdrawals are tax free).

Depending on your situation, converting retirement savings that are currently in a traditional account to a Roth retirement account may make sense. Estimate how much more or less you’d owe in taxes by converting some or all of your account to a Roth.

Understand the impact of taking a loan from your retirement account. Borrowing from your savings may provide solutions in the near term but could negatively impact investment growth and cost you in loan fees. In most cases, if you leave your employer prior to paying off the loan, your loan will default and cause a taxable event.

How much will you need to cover your expenses in retirement? Use this budget planner to get a sense of the funds you’ll need at different points throughout your retirement.

Visualize the impact on your long-term retirement savings of withdrawing money from your retirement accounts prior to retirement if you are considering withdrawing money now.

Explore the options for rolling over your retirement account into another qualified account or cashing out on your retirement savings. You are encouraged to discuss rolling money from one account to another with your financial advisor/planner and to consider any potential fees and/or limitations of available investment options.

Understand when you will be required to begin withdrawing from your retirement savings and how much you will need to withdraw each year.

Understand the impact that annual withdrawals may have on your retirement account so you can estimate how many years your savings may last.