Tools & Calculators

Investor Education > Tools & Calculators
Investment calculators and tools

Easy-to-use tools and streamlined resources from Merrill Edge help give you the confidence you need to help you make more informed investment decisions.

Retirement tools and calculators

Retirement tools

Personal Retirement Calculator

How much will you need to retire? Get your personal retirement number with our easy-to-use retirement calculator.

IRA Selector Tool

Roth or Traditional? Find out which IRA may be better for you.

Roth IRA Conversion Calculator

Find out if you should consider converting to a Roth IRA to get possible future tax savings.

RMD Calculator

If you are age 70½ or older, use this calculator to get an idea of your yearly required minimum distribution (RMD) from a Traditional IRA.

Retirement Evaluator™

Find out if you're on track to meet your retirement goals and learn what steps you can take to pursue your goals.
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401(k) Contribution Calculator

Learn how contributions may impact your income taxes and take-home pay.

401(k) Rollover Calculator

See how different distribution options could affect your retirement plan assets when you change jobs. You have choices for what to do with your employer sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to rollover to an IRA or convert to a Roth IRA, rollover an employer sponsored plan from a prior employer to an employer sponsored plan at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit or call a Merrill Edge® rollover specialist at 1.888.637.3343 for additional information about your choices.

Cash Distribution Calculator

This tool calculates the effects of taking a cash distribution from a retirement plan.
Investing tools and calculators

Investing tools

Asset Allocator™

Find out if your current investment allocations match your target based on your investment style, time horizon and tolerance for risk.
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Portfolio X-Ray

Use this tool to review your investments, perform an in-depth analysis and measure risk and exposure levels.

ETF Cost Comparison Calculator

Determine how exchange-traded fund costs compare to the costs of a mutual fund.
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Inflation Adjusted Returns

See if your savings strategy is keeping pace with inflation.
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Bond Income Calculator

Take a look at your payment schedule and the estimated income you can potentially expect from a bond or CD.

Taxable equivalent yield

Compare the yield between tax-free and taxable bonds based on an after-tax comparison of bonds with different tax treatments.

Annuity Contribution Calculator

This tool calculates how much you will need to contribute to a tax-deferred annuity to pursue your retirement goals.

Annuity Accumulation and Payout

Calculate the value at retirement of an annuity and the annual payment that can be expected over a 20-year period.

Annuity Tax Savings

Calculate the tax savings that could accrue by investing in a tax-deferred annuity instead of a taxable account.

Benchmark Return Calculator

Use this tool to calculate the returns of a benchmark and the growth of an investment in that benchmark over a specified period of time.

After-Tax Return

View the historical after-tax rate of return for different asset classes based on an individual's tax rate.

Dollar Cost Averaging

This calculator may help you see the potential benefits of dollar cost averaging.

Projected Taxes on Investment Income

Calculate the expected after-tax return for a portfolio based on the types of investments you own.
College planning tools and calculators

College planning tools

College Planning Calculator

Use this tool to estimate the total estimated projection costs for a college education based on your timeframe and the monthly savings needed to pursue your goal.

529 Plan State Tax Calculator

Find out if your state offers a state tax deduction for 529 plan contributions and how much you may be able to save.
Cash management tools and calculators

Personal finance tools

Cash Flow Estimator

Use this tool to track your expenses and get a handle on your monthly expenses.

Net Worth Estimator

Find out where you are today and if you are on track to pursuing your goals.

Cost of Debt

What is the true cost of an installment loan? This calculator will help you estimate your payments and total overall cost.

Refinancing Calculator

This calculator may help you see whether it could be advantageous to refinance your mortgage.

Estate Tax Calculator

This calculator can help you estimate what your estate tax liability might be.
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Neither Merrill Edge nor any of its affiliates provide tax, accounting, or legal advice. Please contact your independent tax advisor regarding the items discussed herein.