Financial Calculators
Explore the numbers behind everyday financial questions.
Financial Planning Tools
A practical place to start.
Use our financial calculators to explore common questions related to borrowing, saving, retirement, taxes, and business finances. Enter your information to compare scenarios and get a clearer picture of how different factors may affect the outcome.
These calculators provide general estimates and should not replace professional financial, tax, or accounting advice. When you are ready to discuss what the numbers mean for your situation, the Brickley DeLong team is here to help.
Each category opens a set of individual calculators. Nothing you enter is stored or sent to us.
Cash Flow
Track what comes in against what goes out, and see how a change in either moves your monthly position.
College
Estimate future tuition costs and what you need to set aside each month to meet them.
Credit
Compare payoff strategies, see the true cost of carrying a balance, and test a consolidation.
Home & Mortgage
Payment, amortization, refinance breakeven and how much house the numbers actually support.
Insurance
Estimate life, disability and long-term care coverage against what your household would need.
Investment
Project growth over time, test a rate of return, and see what compounding does across decades.
Paycheck & Benefits
Model take-home pay, withholding changes and the effect of a pre-tax benefit election.
Qualified Plans
Contribution limits, employer match value and required distributions for 401(k)s and IRAs.
Retirement
Test a retirement date against your savings rate, and see how long the balance is likely to last.
Saving
Set a goal and a horizon, and find the monthly deposit that gets you there.
Taxation
Estimate federal liability, marginal rates and the tax effect of a bonus, sale or deduction.
Auto
Compare buying against leasing, test a loan term, and see the total cost of financing.
Business
Working capital, breakeven, equipment financing and what a price change does to margin.
Please Note
These calculators produce estimates for planning purposes only. They cannot account for every provision of federal, Michigan or local law, and they are not a substitute for advice about your own situation. Before acting on a result, talk to us.
After the Estimate
A number is a starting point, not a plan.
Calculators answer one question at a time. Most decisions touch several at once, which is where a conversation is worth more than another spreadsheet.
Check the tax effect
A withdrawal, a sale or a bonus can move you into different treatment than the calculator assumed. We model it against your actual return.
Plan the year, not the deadline
Entity structure, retirement contributions and owner compensation all have to be decided while there is still time to act.
Keep the supporting records
Whatever you decide, the documents behind it have a holding period. Our retention schedule says how long.