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Financial Calculators

Retirement Savings and Planning
403(b) Savings Calculator without Employer MatchIf you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement. Use this calculator if you do not have an employer match.
403(b)/457/401(k) Savings CalculatorA 403(b)/457/401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up.
Beneficiary Required Minimum Distributions (RMD)Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Beneficiary Required Minimum Distributions (RMD) - Advanced OptionsUse this calculator to determine the Required Minimum Distribution (RMD) for different types of beneficiaries. This includes spouses, non-spouses and chronically ill individuals and non-adult children.
Beneficiary Required Minimum Distributions (RMD) - Spouse Inherited IRAUse this calculator to create a future projection and Required Minimum Distributions (RMD) as a spouse beneficiary electing not to treat the inherited retirement account as his/her own.
Required Minimum Distribution (RMD)Use this calculator to determine your Required Minimum Distribution (RMD) and estimate future required distributions.
Required Minimum Distribution (RMD) - Future ProjectionUse this calculator to create a projection of your future Required Minimum Distributions (RMD) as an owner of a qualified retirement account.
Retirement Contribution Effects on Your Paycheck CalculatorUse this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement.
Retirement Income CalculatorUse this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Shortfall CalculatorRunning out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.
Roth (after-tax) Account or Pre-Tax Account?You may have the option to contribute to Roth account. Use this calculator to help determine which retirement plan option might be best for you.
Should you borrow from a 401(k) or 403(b)?The majority of 401(k) plans and a growing number of 403(b) plans let you borrow money from your account. Use this calculator to help you determine if you should borrow, and the potential impact on your retirement savings.
Credit Cards and Debt Management
Student Loan Consolidation and Debt Payoff CalculatorThe Student Loan Consolidation and Debt Payoff calculator applies two simple principles to paying off your Debt; Consolidate your student loans, and use the monthly savings to pay off your other outstanding debt.
Savings Calculators
Compound Savings CalculatorFind out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Horace Mann Service Corp
1 Horace Mann Plaza
Springfield, IL 62715

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.