Eric J. Fernandez & Co.

Tools to help keep you on track for a secure future. Here's a library of financial calculators to help you start planning your financial future—from forecasting your retirement options or child's college fund to estate planning and mortgage refinancing. Interactive calculations, dynamic graphs, and fully customizable reports are just a few of the features our calculators employ to support thorough financial planning and a sound decision-making process. Though not a substitute for advice and information provided by a qualified professional, our calculators offer a good starting point on the road to a secure future.

Refinance Breakeven Should you refinance your mortgage? Use this calculator to determine when you will breakeven! Credit Card Pay Off Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals. Accelerated Debt Payoff Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff. The process is simple, just apply a portion of your consolidated loan's monthly payment savings to the consolidated loan's balance. You can save hundreds, even thousands in interest and shave years off of your loan! Lease vs. Buy Should you lease your next automobile or finance it? Find out with this calculator! Savings Goals What will it take to reach your savings goal? This financial calculator helps you find out. 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. As with any decision of this type, there are many factors to consider, but knowing your finances is a good place to start. Section 125 Cafeteria Plan Use this calculator to see how participating in your employer's "Section 125 Cafeteria Plan" can help you pay less tax, and increase your net take home pay. Life Insurance Calculator How much life insurance do you really need? Find out here!