Tools and calculators

Additional discussions and reviews of these Tools and Calculators can be found in the discussion page (tab at top). Caution: Past performance does not guarantee future results.

Backtesting

 * Simba's backtesting spreadsheet (view forum discussion) or (download as xls, ods)

College Savings Planner

 * Vanguard College Savings Planner
 * College Savings Calculator

IRA

 * Roth Conversion Calculator - Vanguard

Inflation Data

 * Department of Labor Consumer Price Index
 * InflationDatacom.
 * Economic Data - FRED

Lifestyle Calculators
These calculators use historical models to predict your life expectancy based on your lifestyle and family history.
 * Living to 100 Life Expectancy Calculator (enable browser cookies)
 * MSN-money Life Expectancy Calculator

IRS Life Expectancy Tables
The IRS also has a view of your life expectancy, which is used solely for determining the Required Minimum Distribution of your IRA. Your age, your spouse's age, and beneficiary status are taken into account.

This Google Docs spreadsheet will calculate your life expectancy (or distribution period) based on Tables I, II, or III in IRS Publication 590 (IRAs):
 * Life Expectancy Tables from IRS Publication 590 (view in browser) or (download as xls, ods, pdf)

Retirement Calculators
''Need someone knowledgeable to provide comment/rating of these. Some are monte carlo, others not. Each has pros and cons.''
 * FIRECalc 3.0 - FIRECalc: A different kind of retirement calculator
 * The Ballpark E$timate - ChooseToSave.org
 * Easy Allocator - Boglehead yobria
 * Flexible Retirement Calculator - flexibleRetirementPlanner.com
 * Monte Carlo Retirement Calculator - Moneychimp
 * Retirement Calculator - AARP Bulletin Today
 * Retirement Calculator - Moneychimp
 * Retirement Calculator - T. Rowe Price
 * Retirement Planner - Bloomberg
 * Retirement Planner - MSN Moneycentral
 * Retirement Planning Tools - Analyze Now!

Boglehead discussion on the above calculators

 * Bogleheads: Retirement Calculators?
 * Bogleheads: Retirement Calculator
 * Bogleheads: Financial Calculators

Social Security
The Social Security Administration maintains several benefits calculators to estimate your potential benefit amounts using different retirement dates and levels of future earnings. In order of ease-of-use.


 * Quick Calculator - This calculator gives you a simple, rough estimate when you input your date of birth and this year's earnings.
 * Retirement Estimator - Produces estimates that are based on your actual Social Security earnings record.
 * Online Calculator - Input your date of birth and your complete earnings history to get a benefit estimate. You may project your future earnings until your retirement date.
 * Detailed Calculator - This calculator provides the most precise estimates. It must be downloaded and installed on your computer.

RMD (Required Minimum Distribution) Calculators
The RMD (Required Minimum Distribution) calculators should be checked against the IRS Life Expectancy Tables to be sure that the appropriate table is to be used in your situation. Additional comments in the discussion page (tab at top).
 * Required Minimum Distribution (RMD) Calculator - MainStay Investments

Portfolio Tools

 * Using a Spreadsheet to Maintain a Portfolio, a wiki page with tips and spreadsheets for maintaining your portfolio
 * Morningstar Tools
 * T. Rowe Price you can sign up for a free online account and have access to Morningstar tools
 * Fundanalyze.com comparing fund costs
 * Boglehead David Grabiner's asset allocation worksheet

Stock/Fund Charts

 * StockCharts.com
 * Yahoo! Finance Charts - nice interface, but does not factor in dividend distributions as stockcharts.com are reported to do
 * Big Charts
 * ClearStation - nice charts, also each stock/fund you chart displays news, user recommendations
 * Also worth checking out Google Finance as they are making big strides at last
 * Green Street Advisors has a chart of REIT prices vs. their fair value estimate

Taxable-Equivalent Yields
Calculate the yield on a taxable investment that's equivalent to the yield on a tax-exempt investment.
 * Vanguard Taxable-Equivalent Yield Calculator
 * Boglehead tfb's Bond Fund Yield Calculator
 * You can also use this calculator to compare against a bank savings account, which is a federal and state taxable fund. APY is equivalent to compound yield. Calculator instructions
 * Bond Calculator

Treasury Data

 * Daily Treasury Real Yield Curve Rates - daily rates for 5/7/10/20 year TIPS
 * Daily Treasury Rates - daily rates for 1/3/6 month, plus 1/2/3/5/10/20/30 year bonds
 * St Louis Fed 10 yr TIPS yield - this is a graph from 2003 to present