Calculators are tools you can use to determine your strategy for financial security. They are meant only as a guide, as they are only able to provide data based upon the information you provide and may not take into consideration all of your individual circumstances or special needs. Use these tools to:

• find the monthly payment required to pay off a debt in a specified length of time
• learn how much you need to save towards a future goal
• calculate a mortgage payment
• find how much money you need to put away for a dependents college education
• determine how much life insurance you should own
• calculate what you need to save towards retirement
• find the monthly payment and best terms for a new car loan
• and much more.

...and a few links to sites with calculators and information that can be beneficial in helping you develop a plan to reach your financial goals.

AMERICAN FUNDS	MET LIFE
Use the link above and enter "calculator" in the search box to obtain a more complex retirement calculator which will require more detailed information, such as, your current tax bracket and what you expect to receive in pension benefits. Included are guidelines as to the information you need to complete the calculator. Also available is an IRA eligibility calculator.	MetLife has calculators that can be very helpful in determining future needs. Use the MetLife link above and then click on their "RETIREMENT" link and their "Retirement Toolbox"; where you will find calculators for retirement, life expectancy and long-term care cost.
PRUDENTIAL RETIREMENT	OTHER GREAT CALCULATOR SITES
Lots of helpful information on this site. Retirement Investing 101 Handling Market Volatility Understanding Social Security Develop a Tax-Smart Withdrawal Plan How to Choose Investments Estate Planning Retirement Savings Calculator Market Volatility Overview Managing Your Money in Difficult Markets	www.dinkytown.com Boasts over 350 financial calculators...a great site...should fit most all your needs. Try the "Cool Million" calculator...and have your kids try it too! www.dollartimes.com Lots of calculators here...nice site that is easy to navigate. They also have a great area that gives you 88 ways to save money on things like: insurance, credit cards, utilities, groceries, etc.
JUST FOR TEACHERS
The U.S. Securities and Exchange Commission has a site."Just for Teachers" that includes 403(b) and Mutual Fund savings calculators and a ballpark retirement calculator in addition to other valuable information. Use the link above to access the site.