Financial calculators.

Estimate key numbers across your financial plan. These tools are for educational purposes — for guidance specific to your situation, speak with a member of the SRL team.

Select a calculator

Mortgage Payment Calculator

Estimate your monthly mortgage payment including principal and interest. Does not include property taxes, homeowner's insurance, or PMI.

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%
Monthly Principal & Interest
Loan Amount
Total Interest
Total Paid
YearPrincipalInterestBalance

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute financial, lending, or legal advice. Actual payments will vary based on lender requirements, credit profile, property taxes, insurance, and other factors. Consult a qualified mortgage professional for personalized guidance.

Loan Payment Calculator

Calculate monthly payments for any installment loan — auto, personal, student, or business.

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%
Monthly Payment
Total Interest
Total Cost
Effective Rate

Disclaimer: This calculator provides estimates for educational purposes only. Actual loan terms, rates, and payments will vary based on lender policies and your creditworthiness. This is not an offer of credit or a commitment to lend.

Retirement Projector

Project how much you could accumulate by retirement based on your current savings, ongoing contributions, and expected growth.

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%
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Projected Balance at Retirement
Investment Growth
Your Contributions
Employer Match
Est. Monthly Income (4% rule)
Sustainable withdrawal estimate

Disclaimer: Projections are hypothetical and for illustrative purposes only. They do not reflect actual investment results or guarantee future performance. Investment returns are not guaranteed and will fluctuate. The 4% withdrawal rule is a general guideline, not a guarantee of portfolio sustainability. Tax implications, inflation, Social Security, pension income, and other factors are not reflected. Consult an SRL adviser for a personalized retirement income analysis.

Compound Interest Calculator

See how your money grows over time with the power of compounding returns.

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%
Future Value
Total Invested
Interest Earned
Growth Multiple

Disclaimer: This calculator assumes a fixed rate of return compounded at the selected frequency. Actual investment returns vary and are not guaranteed. Results do not account for taxes, inflation, fees, or market volatility. For illustrative purposes only.

Required Minimum Distribution (RMD)

Estimate your annual RMD from traditional IRAs and qualified retirement accounts based on IRS Uniform Lifetime Table guidelines.

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Estimated Annual RMD
Monthly Equivalent
IRS Distribution Period
% of Account

⚠️ The IRS updated the Uniform Lifetime Table in 2022. This calculator uses the current table. Failure to take your full RMD results in a 25% excise tax on the amount not distributed (reduced to 10% if corrected promptly). Consult your tax adviser regarding your specific RMD obligations.

Disclaimer: This calculator uses the IRS Uniform Lifetime Table and is intended as an estimate only. RMD rules vary for inherited IRAs (which follow different rules under the SECURE 2.0 Act), spousal beneficiaries, and multiple accounts. Your actual RMD may differ. This is not tax advice. Consult a qualified tax professional or SRL adviser for guidance specific to your situation.

Tax Equivalent Yield

Compare the yield on a tax-exempt municipal bond to a taxable investment. Helps you determine which offers a better after-tax return given your tax bracket.

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%
Tax Equivalent Yield
A taxable bond must yield at least this much to match your muni
Combined Tax Rate
Muni Yield
Tax Advantage

Disclaimer: This calculator is for illustrative purposes and uses simplified assumptions. Tax situations vary significantly. State tax exemption rules for municipal bonds differ by state and bond type. This is not tax advice. Consult a qualified tax adviser before making investment decisions based on tax considerations. Bond investments are subject to interest rate risk and credit risk.

Social Security Break-Even Calculator

Determine at what age claiming Social Security early vs. delaying becomes financially equal — your "break-even" age. Helps inform the optimal claiming strategy for your situation.

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Break-even: Age 62 vs 67
Break-even: Age 62 vs 70
Break-even: Age 67 vs 70
If you expect to live past your break-even age, delaying likely pays more
How Social Security is taxed
Understand how your benefit is taxed at age 62, FRA, and 70 — with an interactive calculator.
Read the guide →

Disclaimer: This calculator provides a simplified break-even analysis and does not account for taxes on Social Security benefits, investment returns on early benefits, cost of living adjustments (COLA), spousal or survivor benefits, earnings limitations before full retirement age, or health and longevity factors. Social Security claiming decisions are complex and highly personal. Contact Alex Petronella at SRL for a comprehensive Social Security analysis tailored to your situation.

Important Disclosures: All calculators on this page are provided for educational and illustrative purposes only. Results are estimates based on the information entered and simplified mathematical assumptions. They do not constitute financial, investment, tax, or legal advice, and do not represent a projection, prediction, or guarantee of future results. Investment returns are not guaranteed and will vary. Tax laws change and individual circumstances vary significantly. SRL Wealth and Stolzer Rothschild Levy LLC make no warranty as to the accuracy or completeness of these tools. Please consult a qualified financial adviser, tax professional, or legal counsel before making any financial decisions. For a personalized analysis, contact an SRL adviser.