The people of Penton, Hooker & McElroy, PLLC, provide a library of financial calculators to help you begin planning your financial future-from forecasting your retirement options or child's college fund to estate planning and mortgage refinancing. Interactive calculations, dynamic graphs, and fully customizable reports are just a few features provided with our calculators to support thorough financial planning and a sound decision-making process. Though not a substitute for advice and information provided by a qualified professional, our calculators offer a good starting point to a secure future.

Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule. Refinance Breakeven Should you refinance your mortgage? Use this calculator to determine when you will breakeven! Retirement Planner Quickly determine if your retirement plan is on track - and learn how to keep it there. Social Security Benefits Use this calculator to estimate your Social Security benefits. Roth vs. Traditional IRA Use this calculator to determine which IRA is right for you. College Savings Use this calculator to help develop or fine tune your education savings plan. Savings Goals What will it take to reach your savings goal? This financial calculator helps you find out. Life Insurance Calculator How much life insurance do you really need? Find out here! Net to Gross Paycheck Calculator This calculator helps you determine the gross paycheck needed to provide a required net amount. Debt Consolidation Calculator Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Fill in your loan amounts, credit card or credit line balances and other outstanding debt. You can then see what your monthly payment would be with a consolidated loan.