The calculators on this page are designed to explore some simple aspects of common questions regarding investing. The calculations are designed to be simple; they are NOT designed to rigorously explore all scenarios and aspects of any given question or problem.
Using the calculators
The embedded spreadsheets shown are not editable. However, you can download each spreadsheet, and change to suit your needs. If you do not have a spreadsheet program, consider OpenOffice or LibreOffice. Both are open source and can be downloaded for free.
Use this Google Drive spreadsheet to calculate the number of shares required. Instructions for use are in the document. (You must be logged into your Google Account, and you must have upgraded your account to a Google+ Account.)
IRA CalculatorThis spreadsheet can be used to model contributions to and withdraws from an IRA, Roth IRA, and non-IRA. You can use this spreadsheet to model how the order of withdraws affects balances (I.E. withdraw from IRA before non-IRA, or vice-versa), as well as to investigate the relative advantages of a Roth IRA vs a traditional IRA given different interest rates, income tax rates, and capital gains tax rates. This spreadsheet does calculate the penalty for early withdraw for any distributions prior to official retirement age.
Any decisions can be significantly complicated by other tax and income issues, as well as changes that could occur to income and capital gains tax rates. (I.E. some IRA contributions reduce AGI, others don't. Complexities like this are NOT accounted for in the spreadsheet.) Be sure and verify any decisions with your financial advisor.
Calendar days between the last weekday of each quarter
This calculator is a Google Document. You can view this spreadsheet directly, no need to download.
This spreadsheet can be used for calculating the number of calendar days between the last weekday of each quarter. Some mutual funds have penalties for trading within 90 days. To avoid those penalties, you can delay quarterly trading a day or two when necessary, and since there are generally more than 90 days per quarter, you will be able to get back on the schedule of trading on the last trading day of the quarter within a quarter or two.