- Fields for Current Age, Retirement Age, Life Expectancy, Monthly Expenses, Inflation, Rate of Return on investment Before Retirement & After Retirement, Years to Retire, Yearly Expenses at retirement, Retirement Corpus, Monthly Investment
- Settings for Default Values - Currency Symbol, Rate of Return, Inflation, Retirement Age, Monthly Expenses & Reload Last Values
Age (Years) : 30
Retirement Age (Years) : 58
Monthly Expenses : 30,000
Inflation (%) : 7
Rate of Return (%) on investment Before Retirement : 15
Rate of Return (%) on investment After Retirement : 10
Year to Retire : 28
Monthly Expenses at retirement : 1, 99,465
Yearly Expenses at retirement : 23,93,582
Retirement Corpus : 3, 99, 98,159
Monthly Investment : 7,719
Suppose you are 30 years old who wants to retire at 58 and expect to live till 80.
If your current Monthly Household Expenses (excluding expenses which will not be part of it post Retirement e.g. EMI, Insurance Premium, Education Expenses etc) are 30000,
You expect inflation to be around 7% for next 28 years,
You expect 15% return on your investments before retirement and
During retirement you expect that your investments will return 10%.
So Number of Years left for your retirement are 28 years and at retirement you will require a retirement corpus of 3,99,98,159 for which I need to save 7,719 per month.
Please send your suggestion and issues to my E-mail address email@example.com
* Find which is better Traditional 401(k) or Roth 401(k)
* Find which is better Traditional IRA or Roth IRA
* How much do you save by saving and not spending?
* How is your employer contribution adding up?
* Are you really on track or do you want to save more?
* Would you have a Surplus or Shortfall?
* All the above customized just for you.
Need more? Contact Dev!
Ad supported. Ad free version coming soon.
Whether you’re on the go a little or a lot, the Voya® retirement account app allows you to view and manage your retirement plan account whenever and wherever you want. Featuring the myOrangeMoney experience, you’ll see your estimated monthly income goal in retirement and progress toward that goal. You can also view the following:
- Current balances
- Personal rate of return
- Investment performance
- Balance history
- Balances by asset class and fund
- Contribution history
And based on your particular retirement plan, you may be able to use the Voya retirement account app to:
- Change your contribution rate
- Transfer money among investments
- Reallocate your current balance
- Change the investment direction of future contributions
All the information sent to and from your device is encrypted using industry standard SSL technology. For your protection, your personal and confidential information is not on the device. You have the option to register your device to trigger security challenge questions, in case your device is lost or stolen.
Download the app today to manage your retirement plan account wherever you go, at your convenience.
PlanMode provides you with a quick and easy way to prepare a financial profile and project it for lifetime. It can transform a normal profile into a retirement scenario or adverse scenarios including death or disability of either spouse. Dynamically updating financial summary including a lifetime liquid capital status bar helps you analyze the bottom line impact of each data item.
A complete set of financial statements are available for each profile. It provides you with a comprehensive analysis of retirement and other scenarios for lifetime capital needs and the amounts available for their fulfillment. In profiles where capital resources are not sufficient to satisfy capital needed for living and other expenses PlanMode provides suggestive courses of action that may fill the shortcoming.
This financial planner can be used in a variety of ways to suit your planning needs. Its flexible design helps you quickly perform any kind of what-if analysis over a short time span or prepare a complete financial profile for full life time.
PlanMode includes many features that are normally available in high-end financial planning systems, such as-
• Financial profile for a single person or both spouses’ lives
• Planning span of up to 100 years
• Retirement profile and analysis
• Disability profile and analysis
• Survivor’s profile and analysis
• Automatic cash management simulation
• Detailed annual cash flow analysis
• Customizable financial statements
• Graphs & charts for quick overview
• Scenario comparing what-if analysis
• Export info to ExecPlan, Excel or text formats
• Definable National, State & Local income taxes
• Built-in US income taxes
• Data security – it stays contained in your device
• Includes predefined product structures for-
• Retirement plans
• Life Insurance
• Fixed & Variable Annuities
• Charitable Annuities
• Reverse Mortgages
PlanMode can prepare a comprehensive financial profile within minutes and project it over lifetime(s) based on the information available. It can help you determine your financial needs now and in years to come. It facilitates a platform for you to analyze your options and alternative courses of actions. It provides you with professional grade financial statements and detailed year-by-year analysis. In essence, PlanMode provides you with a financial lens through which you can see any part of a financial profile you are interested in and focus it with more details.
PlanMode can also be used as an analytic tool to quickly analyze a given financial situation to put it in perspective and analyze the options available
Income tax computations
US individual income tax computations are built-in and applied as applicable.
Non US individuals can turn this function off and activate a generalized version that allows you to define how your income tax should be computed on a national and local tax levels. The latter function is also available for US individuals for defining for items to be used in approximating State and City income taxes.
Among the reports available for select scenarios are
• Income Statement
• Balance Sheet (Net Worth Statement)
• Cashflow Statement
• Supporting Schedule
• Capital Needs Analysis
A formatted input data report is also available providing a quick review of items entered. All reports can be printed as PDF files..
PlanMode is developed and supported by a team of professionals that has been providing financial planning applications to financial services industry for over three decades.
• Uses popular LIC plans.
• Create and save plan combinations for age ranges.
• Generate, save & share reports in PDF.
• Maturity income & premium wise calculation.
• Illustrations inclusive of service tax.
• Include FAB, interim bonus.
• Include surrender value and loan in the illustration.
• Take into account inflation and tax benefits.
• Date back interest calculator
• Late fee calculator
• Revival calculator
• Online utils
• Plan mixing.
• Calculate commission.
• Generate comprehensive 4-5 page reports in seconds.
• No tablet, laptop or internet needed.
• Highly optimized to run on phones.
• New plan combinations coming soon!
This is a 90 day trial version that uses Google sign-in for unlocking.
Money Magazine has named Retire Logix to its “100 Best Money Moves”. Thousands of financial ideas are reviewed by the editors at Money Magazine every year and narrowed to the 100 Best Money Moves, an annual guide to “...the best and timeliest investments, deals, products and strategies that will help individuals make smarter financial decisions.” Retire Logix, the only financial planning application named to the 100 Best Money Moves list, has been specifically designed for the intuitive touch screen navigation of the Android platform.
Available with a Finance Logix login:
View up to date balances of your accounts, credit cards, mortgages, insurance policies and review your financial goals in one place.
Start a college education plan with the new College Logix – an interactive education needs calculator that helps you plan for future education costs. It includes college costs from thousands of schools in US and Canada. **(also available in the pro version)
Integration with Box.net to be able to upload your reports generated in Finance Logix to the cloud for easy access from remote locations.
To access these features and more, ask your financial advisor for a Finance Logix login, or connect with one of the thousands of advisors on the FPA network (accessible from within the application).
The Journal of Retirement is required reading for professionals working with retirement savings plans, practitioners, etc.
Just Retire supports:
-Saving and loading profiles so you only ever have to input your info once.
-Accounting for current savings
-Accounting for contribution growth over time
-Accounting for interest
-Accounting for inflation
-Accounting for supplementary income like Social Security benefits or financial assistance from family members
-Accounting for tax (ex. put 0% if you have a Roth IRA account)
-Accounting for a legacy you want to leave behind
-Tracking principle contributions vs. interest earned
-Sensitivity analysis by tweaking inputs on the fly and seeing how fluctuations in expectations will effect your future
This app, like all glaukon apps, has been designed with aesthetics and usability in mind. To that end, it comes with 10 beautiful backgrounds, a clean and intuitive interface, a built-in calculator, and plenty of information about the various financial concepts retirement planning deals with. And of course, it comes with an obligatory quote generator. It's what I do.
Images from various users at http://www.sxc.hu
Quotes from: http://www.quotegarden.com/retirement.html
SEE HOW YOU’RE DOING
Interactive features like the Retirement Readiness Quiz and Peer Comparison help you visualize how your retirement savings stack up against others like you — just by answering a few quick questions.
GET THE HELP YOU NEED
Call a rep – instantly connect to customer support by tapping “Give Us a Call.” Or visit the Library for financial educational information to better understand your options and make informed choices for retirement planning. Browse our collection of articles, videos, and podcasts.
MONITOR YOUR ACCOUNTS
• Retirement Accounts — Keep your financial goals on track by monitoring your plan balances (including pension, if available) and investments, your plan’s account performance, and more.
• Stock Plans — Monitor your stock plan account information and exercise employee stock options.
• Health & Insurance — Get a complete view of the medical, dental, and vision health and insurance plans you are enrolled in, as well as in- and out-of-network costs, coverage information, and provider contacts.
• Other Accounts — Review other Fidelity accounts, like 529 college savings plan accounts and brokerage accounts, to see how they contribute to your overall financial strategy.
Available for phones running Android 4.1 or later.
The NetBenefits® smartphone app is available to individuals who have one or more employer-sponsored workplace benefits provided by Fidelity Investments. Please note that the app is currently not available for use with Fidelity-serviced HR/Payroll plans.
Employer-sponsored account functionality includes transactions for employee stock plans, as well as investment and contribution changes for retirement plans (availability may vary depending on plan); for all other accounts, functionality is limited to viewing account balances, history, positions, year-to-date performance, and benefits information.
NetBenefits and the NetBenefits design logo are registered service marks of FMR LLC.
The images below are for illustrative purposes only.
System availability and response times may vary.
Fidelity Brokerage Services LLC, Member NYSE, SIPC
© 2015 FMR LLC. All rights reserved.
You can view account activity, balance by investment, contribution information, personal rate of return, loan balances, and alerts virtually anywhere you are. Download the Alerus Retirement Solutions Mobile App and access your account information using your existing from your alerusretirementsolutions.com user name and password. Do it today and keep an eye on your retirement savings.
Investment Products are not FDIC insured, no bank guarantee, may lose value. Alerus Retirement Solution’s mobile app. has the same stringent security standards as alerusretirementsolutions.com.
• Obtain your current balance and rate of return.
• Know Your Retirement OutlookSM—a personalized assessment of whether your current strategy has you on course toward achieving your retirement income goal.
• Use our powerful OnTrack® tool to learn how increasing your savings rate, changing your investment strategy, or updating your retirement goals might serve to brighten your retirement.
• Take action to potentially improve your forecast, immediately and right from the app itself.
• Conduct transactions, such as managing your contribution rate (includes multiple sources and divisions, automatic annual increases, and catch‐up contributions) and investment allocations (includes rebalancing your current portfolio and updating how future contributions will be allocated).
• View your account’s transaction history, outstanding loan information, and more! *
View the app’s Terms and Conditions - https://ddol.divinvest.com/ddol/servlet/DocumentProcessorServlet?p=35768420784780579185754847178708725283335363731370968358597384124106752132122962900528152
Important: The projections or other information generated by the OnTrack® tool regarding the likelihood of various investment outcomes are hypothetical, do not reflect actual investment results, and are not guarantees of future results. Results derived from the OnTrack® tool may vary with each use and over time. Please visit your plan website for more information regarding the criteria and methodology used, the tool’s limitations and key assumptions, and other important information.
About Probability Illustrations, Limitations, and Key Assumptions - https://ddol.divinvest.com/ddol/servlet/com.aegon.arch.service.documentmanagement.proxy.DocumentManagementServiceProxyInvokerServlet?Saction=doTemplateView&CATALG_ITEM_C=38c99932-1370384a5ba--7f78|7
* Some services and features may not be available on certain plans.
The functions of the application are:
- Calculate how much do you need for your retirement.
- Estimate when you can retire based on your investment portfolio
- Detail report for you to monitor your retirement plan
Search quickly through all specifications for any Field, Component or Message using a number of search parameters including tag, name, and message type.
Browse an individual specification to find a specific version of a Field, Component or Message.
Navigate the items of any Component or Message, browse repeating groups, look up enumeration descriptions, and more.
The intuitive interface lets you adjust different financial scenarios and lifestyle variables to calculate your retirement number. Then, you can take the next step to connect to a financial consultant for professional advice. You can even share the app with your Facebook friends with just a few taps.
Optimized for retirement planning in Hong Kong, Indonesia, Malaysia, the Philippines, Singapore, Thailand and Vietnam
Adjustable variables include:
- Inflation rate
- Pension balance
- Savings & investments
- Family size
- Property ownership
- Retirement lifestyle
- Years of retirement
Prudential's “What's Your Number?” retirement calculator is designed for assisting in retirement planning and is for reference only. It is for use in Hong Kong, Malaysia, Singapore, Indonesia, Thailand, the Philippines and Vietnam only. If you are not located in one of those countries, you should not use the application. By downloading the application, you confirm that you are located in one of those countries.
Prudential Corporation Asia is a business unit of Prudential plc of the United Kingdom. Neither Prudential Corporation Asia nor Prudential plc is affiliated in any manner with Prudential Financial, Inc., a company whose principal place of business is in the United States of America.
The most important words will tend to be presented first because, well, they're important. Hawaiian Tutor will quickly zero in on the most important words for *you* to learn at each moment. It may seem too easy or too hard at first but just keep going and you will see that Hawaiian Tutor will quickly find the right balance that maximizes your learning regardless of your current knowledge, ability, and state of mind at the moment.
Note that it is important to make mistakes because no learning can happen without them. When you get words wrong, Hawaiian Tutor is also learning about you and what you most need to learn at every moment and will bring missed words back more frequently. That is a good thing because you want troublesome words to come back frequently enough for you to easily get them right. Therefore try not to feel disappointed when you get a word wrong. Instead, mentally pat yourself on the back because this is where the learning happens. Remember, this is not a test! It is a safe opportunity to take chances and improve your instant recognition of the words that will greatly improve your command of the Hawaiian language.
Hawaiian Tutor is best used during short periods while waiting for a bus, class, etc. It includes a very high quality vocabulary containing nearly 800 carefully chosen words in the Hawaiian language.
Good practice while you are out and about. Not a replacement for the full featured desktop version at http://superliminal.com/cube/cube.htm. Still it is interesting to know that Andrey Astrelin has already solved this puzzle on his Android phone including one-handed while riding the Moscow subway. How's that for dedication!
The most important words will tend to be presented first because, well, they're important. Tutor will quickly zero in on the most important words for *you* to learn at each moment. It may seem too easy or too hard at first but just keep going and you will see that GRE Tutor will quickly find the right balance that maximizes your learning regardless of your current knowledge, ability, and level of attention at the moment.
Note that it is important to make mistakes because no learning can happen without them. When you get words wrong, GRE Tutor is also learning about you and what you most need to learn at every moment and will bring missed words back more frequently. That is a good thing because you want troublesome words to come back frequently enough for you to easily get them right. Therefore try not to feel disappointed when you get a word wrong. Instead, mentally pat yourself on the back because this is where the learning happens. Remember, this is not a test! It is a safe opportunity to take chances and improve your instant recognition of the words that will greatly improve your command of the English language.
GRE Tutor is best used during short periods while waiting for a bus, class, etc. It includes a very high quality vocabulary containing nearly 800 carefully chosen advanced words in the English language.
Perfect vocab test prep for GRE, PSAT, SAT, LSAT, GED, ESL, GMAT, ACT, MCAT, TOEFL, IELTS, PCAT, OAT, or for simply expanding your vocabulary.
★ As a regular app
★ As a widget on your lock screen*
★ As a home screen widget
★ In a desktop docking station*
★ As a car dock app
★ As live wallpaper
★ Should make for a great wristwatch widget.
* Highly recommended
Color Clock will also be a perfect app for the Google Watch when it comes out.
The design is based on the 1971 Chromachron clock by Tian Harlan. It has a background of 12 unmoving uniquely colored pie slices, and a moving "hour hand" consisting of a mask covering the entire background except for one hour's slice. As that gap moves around the dial, you will see one background color slowly disappearing and the next one filling the gap. On the exact hours, you will see only one color filling the entire slice. In this way you can easily estimate the time within 5 minutes. It is particularly useful for users with poor eyesight and can often be easily read without corrective lenses making it perfect for a night-stand clock.
So what about those spirals? That is my attempt to make something pretty to fill in the unused space but still be based on the current time. They are not meant to be useful, but if you are interested in how they relate to the time, it consists of three overlapping sets of spirals in red, green and blue. The red spirals represent the minute hand, green the hour hand, and the blue spirals don't move at all. Where they overlap, the colors add together just like light. The only time that all three sets of spirals exactly overlay each other is on the exact hours. That is the only time you will see pure black & white spirals. The rest of the time they overlap in varying ways to generate yellow, magenta and cyan.
If you watch very closely, you can just barely see the red spirals moving. It takes one minute for them to move from one blue spiral to the next. The motion therefore is very subtle but you will notice that every few seconds the colors that you see are completely different even though you can barely notice any change from moment to moment. Also interesting is that because the red, green, and blue spirals add together just like light, the overall mix of colors never changes. That means that from a distance it always appears white even though close up it is very colorful and ever changing.
***IMPORTANT*** This is a widget and will not show up in your app drawer so please do not down-vote before following these instructions: After installing, you must place one or more instances on your home screen or other screen. On older Android devices, long-press the location where you want it, and then from the pop-up that appears, navigate to the bottom of the widget list and click on Wind Dummy. On newer devices, look under the "widget" tab at the top of your apps list.
Once placed on a screen, you can configure each widget separately to display data for any of over 17,000 weather stations in the Weather Underground network. To find your best stations, zoom into the global map here: http://www.wunderground.com/wundermap/then tap a WindDummy widget, enter the station ID, click OK and you should be good to go!
WARNING: The author does not guarantee the accuracy of the data presented by this software or the utility of the software for any purpose. The software may contain bugs or other problems. Don't use this tool for hazardous activities. Use at your own risk.
LassieBot is very simple to use, and once properly set up you can largely forget about it, but you must read and understand ALL of the warnings and instructions below before LassieBot has a chance to function correctly in a real emergency.
There are many aspects to being safe while alone, and everyone should have back-up plans to cover as many contingencies as possible. LassieBot is meant to address only one of those cases, namely summoning help if you or a loved one are alone and unconscious. THERE ARE MANY WAYS IN WHICH LASSIEBOT COULD FAIL, AND I TAKE NO RESPONSIBILITY FOR ANY FAILURES AND MAKE NO PROMISE OF ITS UTILITY FOR ANY PERSON OR ACTIVITY.
Here are some of the ways that LassieBot could fail:
* Your phone is turned off or the battery runs out.
* Your phone is charging. By design, LassieBot will not send alerts while connected to a charger.
* Your phone is in Airplane mode or is otherwise unable to connect.
* LassieBot is not turned on at the time of the emergency or is poorly configured.
* There is no cellular signal when LassieBot attempts to send out alerts.
* Alerts are sent but do not reach their destinations.
* Alerts reach their destination but your contacts do not notice them in time or take appropriate actions.
* LassieBot will not work in a moving vehicle.
* There may be bugs in the implementation.
Before using, you must configure and test it, and you need to fully understand what it does and how it works.
Step 1: Identify your emergency contacts. You do that by putting the 4 letters "ICE:" at the beginning of their names. ICE stands for "In Case of Emergency", and rescue workers know to look for such contacts when treating a lone unconscious person. Taking this simple action will go a long way to improving your safety while alone even if you never install LassieBot!
Talk with your potential emergency contacts BEFORE marking them as such as some people may not want that responsibility. Be sure to tell them to treat any alert as if it is a real emergency and that most alerts will be tests or false-positives, but all alerts should be assumed to be actual emergencies until they learn otherwise. I recommend using 2 emergency contacts.
Step 2: Select the amount of time with no motion that will trigger alerts. This should be longer than you ever go without handling your device.
Step 3: Click the big red button turning it green. At this point LassieBot is on the job and you can see that by the sticky notification in your notifications list, as well as from the tiny LassieBot icon in the very top-left corner.
Step 4: Configure and test. Clicking the check box brings up these controls. LassieBot will beep each time it gets a gyroscope event indicating that the timer has been reset. Adjust the sensitivity if needed so it always beeps when you pick it up but never when siting on a table.
Click the "Send Test Alert" button and make sure that all of your emergency contacts get the message. Warn them first that you will be doing this, and make sure they respond appropriately.
Finally, uncheck the check box to hide the configuration and test controls and stop the beeping.
LassieBot will not allow your phone to sleep, otherwise it cannot work so you will need to recharge more often. This is the price you pay for the added security. Turn LassieBot off when you know you don't need it or plan to leave your phone for a long time. Just don't forget to turn it back on later!
If LassieBot saves even one person's life, it will have been worth all my effort. I hope you will never need it, but if it does I hope that you will contact me and tell me your story.
The most important words will tend to be presented first because, well, they're important. Tutor will quickly zero in on the most important words for *you* to learn at each moment. It may seem too easy or too hard at first but just keep going and you will see that German Tutor will quickly find the right balance that maximizes your learning regardless of your current knowledge, ability, and state of mind at the moment.
Note that it is important to make mistakes because no learning can happen without them. When you get words wrong, German Tutor is also learning about you and what you most need to learn at every moment and will bring missed words back more frequently. That is a good thing because you want troublesome words to come back frequently enough for you to easily get them right. Therefore try not to feel disappointed when you get a word wrong. Instead, mentally pat yourself on the back because this is where the learning happens. Remember, this is not a test! It is a safe opportunity to take chances and improve your instant recognition of the words that will greatly improve your command of the German language.
German Tutor is best used during short periods while waiting for a bus, class, etc. It includes a very high quality vocabulary containing nearly 2,800 carefully chosen basic words in the German language making it perfect for vocab test prep, travel prep, or simply building up your German vocabulary.