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URL:  http://boards.fool.com/have-you-researched-the-calculators-at-these-15590611.aspx

Subject:  Re: Sprinkle Me With Pixy Dust! Date:  8/18/2001  5:52 PM
Author:  cdr46 Number:  31483 of 86161

Have you researched the calculators at these sites?

http://www.dinkytown.net/
http://www.investorguide.com/education.html
http://www.suzeorman.com/index.html

There are hundreds of calculators on the web
input "financial calculators" at www.google.com and you will come up with 151,000 "hits" - some are good some are terrible!
http://www.google.com/search?q=%22financial+calculators%22&sa=Google+Search&cat=&hl=%28null%29

If you have Excel, Quattro, or Lotus 123 you can build your own spreadsheet. It's really not that difficult to build a spreadsheet model to your own specifications.

Example
Col 1 would be "Years" or "Age"
Col 2 Investment deposit
Col 3 Cumulative deposits
Col 4 Hypothetical earnings expressed as a percentage
note: this way you can input "changing" values or do a what-if you matched the S&P Index on a year by year basis.
Col 5 Dollar earnings (col 3 x col 4)
Col 6 Withdrawals
Col 7 Marginal income tax rate applied to withdrawals
Col 8 Penalty applied to withdrawal - prior to age 59 & 1/2
Col 9 Ending account value

You can expand on this spreadsheet or make it more simple. The choice is yours. You can do it on a monthly basis or annual.
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