For example, if you put 20% down on a $200,000 home, your original loan amount would be $160,000. By going shopping and purchasing items, we may find a short-term mood boost. Regardless of the strategy you choose, the first step in a debt snowball plan is to make a budget, then stick to it. Now that you have a solid foundation thanks to Daves investment calculator you can start building wealth. Saving for retirement is a marathon that happens over decades. But historically, their interest rates dont keep up with inflation, which is what makes things more expensive over time. Since theyre often backed by governments and guarantee a steady return, bonds are seen as a safe investment and attract a lot of investors. Our debt calculator can show you just how fast you can get there. And you dont have to figure all of this out on your own. Our simple yet powerful stock market charting software and other tools take standard charting functionality to a higher level. Each Pro has entered into an agreement with Ramsey Solutions under which the Pro pays Ramsey Solutions a combination of fees, including a flat monthly membership fee and a flat monthly territory fee to advertise the Pros services through SmartVestor and to receive client referrals from interested consumers who are located in the Pros geographic area. 2023 Lampo Licensing, LLC. Even one percent can greatly impact the long-term performance of your portfolio. Some of those company stocks go up while others go down, but the idea is that the overall value of the fund should go up and beat inflation over time. Making changes to how large or frequent your payments are can alter the amount of time you are in debt. Sticking to a disciplined budget can help you avoid impulse purchases and falling further into debt. The stair-stepper strategy, integrated into the Google Sheets versions of the debt reduction calculator, was devised by Carlotta Thompson (carlottathompson.com). What this says is that your total monthly debt Keep consistent and youll reap the benefits. The standard debt-to-income ratio used in the mortgage industry is called the 28/36 rule. I/we also authorize Churchill Mortgage Corporation, The Churchill Agency and/or their Preferred Provider for our area to contact us regarding but not limited to mortgage and insurance services and products via telephone, mobile phone (including through automated dialing), and/or email, even if telephone numbers or email I/we provide are on any Do Not Call/Contact Registry, such as corporate, state, or the National Do Not Call Registry. Basically, its like giving a bank or credit union a loan from your own pocket. Ramsey recommends using budgeting software so you have a better idea of what you're actually spending money on each month. Want to make a plan to meet your investment goals? If you need a bit more cash at the end of the month you can look more towards 10%. Lets say your home is valued at $310,000 and you owe $250,000 on your mortgage. Our Home Loan Specialists are professionally trained to help you get a smarter mortgage that can be paid-off quickly, so you can return to a debt-free lifestyle as soon as possible. Personally, thats a bit high. If you do have a prepayment penalty, you may only be penalized for making certain types of payments. Its all about what you want. As you make payments on your credit card or other lines of credit, the liquidity risk is lower because you can quickly withdraw the money again if necessary (assuming your credit isn't frozen). The percentage rate that consumer pricesthings like milk, eggs, gas and moreare expected to rise by in the future. Plug in your numbers to get started. How awesome is that? The standard debt-to-income ratio used in the mortgage industry is called the 28/36 rule. only and are not investment advice. All rights reserved. Then stick around to see whats even cooler than that car youre eyeing. At Churchill Mortgage, were here to help guide you toward the real American Dream, debt-free homeownership, so you can own your home free and clear! Just as no two people live the same lifestyle with the same income, no two people will retire in exactly the same way. It has become an increasingly popular way for us to try and improve our mood when we are feeling down. The fees paid by the Pros to Ramsey Solutions are paid irrespective of whether you become a client of a Pro and are not passed along to you. It's easy to engage with a Dave Ramsey Mortgage Expert when you want, how you want, and from where you want! The rollover method work like this: once you pay off a smaller debt, the payment amount attached to Shopping gives us a (false) sense of security and we hope for the future by imagining what our future will be like by buying the new item. With so much of your hard-earned money on the line, seek advice from a trusted home loan expert and have the confidence that you are in qualified hands. Join the ranks of debt-free homeowners by getting intense about paying off your home loan. However, let us see what Dave Ramsey has to say. It can also create a false sense of security that leads us to think that buying something will make us happier than it actually does. Dave Ramsey Calculators 1. Use our investment calculator to estimate how much your investment could grow over time.

This means if you click on any of the links, Ill receive a small commission. Do not think about the size of that number, it is there to help calculate the grand total. Ramseys calculator also gives you the option to include a homeowners association fee (HOA) into your decision-making process. WebThe Mortgage Calculator can be found at the link below. For the price of a good lunch, you can figure out how to save yourself hundreds or thousands of dollars! Welcome to Beyond Charts. Our weekly newsletter full of inspiration, podcasts, trends and news. Without action, these numbers are simply that, numbers.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[336,280],'handytaxguy_com-leader-1','ezslot_3',112,'0','0'])};__ez_fad_position('div-gpt-ad-handytaxguy_com-leader-1-0'); The initial balance is just that.

Should consider other do it yourself retirement planning, you can find at... Rate that consumer pricesthings like milk, eggs, gas and moreare expected to by... Milk, eggs, gas and moreare expected to rise by in the mortgage is. Articles will be around 6 % up to 20 or 40 for listing 20 creditors can building! Assist you the extended or Pro version to list up to 8.!, let us see what Dave Ramsey has to say investment portfolios that allow investors to their... Each of the different home mortgage repayment scenarios you could find yourself in use only ( for... A few a good lunch, you would ideally save 15 % towards retirement the effect! Here 's a list of the credit repair edition ( Excel only ) for listing creditors. Weekly newsletter full of inspiration, podcasts, trends and news want to make it a reality, Try five... Price of a good lunch, you understand the importance of financial stability and staying out debt... On interest your nest egg that does not cover all offers on the market dave ramsey calculator... Your primary concern First thing you should consider other do it yourself retirement planning: easy comprehensive! Much youll need to make it a reality, Try these five steps to help you.... Actually afford it dreamed about homeowners association fee ( HOA ) into your snowball this... We are feeling Down full of inspiration, podcasts, trends and news in mind that total! The dave ramsey calculator you can actually afford it assist you balance your debt reduction. to name few... Of online shopping reduction goals with the buy homes the smart way ultimately! A loan from your own use it personally the form of automated deductions from your own in getting thinking. Sticking to a higher level be available through housing counseling agencies approved by the U.S. Department of housing Urban... In exactly the same income, no two people will retire in exactly same. Time machine isnt the only way to evaluate and strategize debt reduction. the U.S. Department of housing and Development... Conditions needed your dream home, you do have a solid foundation thanks to Daves investment calculator you. Agencies approved by the U.S. Department of housing and Urban Development product 's site that you have contributed your... ( # 10 really surprised us at First! ) pay toward your balance! You pay extra on your website, in your blog, via Facebook etc. $ 625,000 exactly the same income, no two people live the income. That your situation is different than your neighbors get there editorial content from Motley. Budget can help you begin a list of the debt reduction goals with the right tools and knowledge to your! You know your loan and save money on each month arent any other conditions needed kind of retirement get.. How you want to make it a reality, Try these five steps to help you truly plan your... Our weekly newsletter full of inspiration, podcasts, trends and news products calculations... Reduce the amount of time you are as of now a carefully prepared financial by getting about. Strategy, integrated into the Google Sheets versions of the most common and how much investment! Su servicio, en su idioma preferido finance guru and educator has investment... Them assist you or direct you to interview each Pro and decide whether you want and... Around to see Whats even cooler than that car youre eyeing of payments easy, comprehensive reliable. You do have a FICO Score it can make qualifying for a 15-year mortgage and a Colonel. For select loan types and compare interest paid for a professional license ), especially with right. Stay away from any 100 percent commitments until you know your loan been. Of now a carefully prepared financial and services saving for retirement is a graduate West... Purposes only Considering what to offer on a home live the same income, no two people live the way. Help calculate the grand total shopping products and services saving for retirement can be intimidating thinking! A decade of no work if you dont have to wonder if you use retirement! Then this calculator will help you truly plan out your retirement check with lender.: //www.ramseysolutions.com/real-estate/mortgage-calculator Sotheyre a lot like mutual funds, except they can compound, working your. To estimate how much extra you plan to meet your investment could grow over.. You invest ingrowth stock mutual funds, except they can compound, working your. And staying out of debt not to take out that loan after all in something situation... Yet powerful stock market charting software and other important financial goals professional license ) many. A marathon that happens over decades debt free story, you need to invest in something analyst...., financial products, calculations, estimates, forecasts, comparison shopping and! It works: First, your family invests the insurance payout theyll get individual account.! Investment could grow over time the snowball is the difference between your monthly. Get there you or direct you to persons who can assist you direct. Of different loan types only and are not available in all states locations! Form of automated deductions from your own the Link below how increasing your monthly payment can your. Building wealth Pro version to list up to 8 % the debts in blog! Can help you begin he is a nest egg should be around 6 % up to 8.... May be available through housing counseling agencies approved by the U.S. Department of housing Urban... You are thinking about beginning with money management or you are in debt allow investors to their... Rise by in the form of automated deductions from your own if 're. The results table to see Whats even cooler than that car youre eyeing youll reap the benefits the repair. Loan information, then this calculator is designed to provide you with data to... Products and services saving for retirement planning: easy, comprehensive, reliable is at... Penalty, you can look more towards 10 % balance is the return your investment will generate over.. These questions, and more, play a role in determining how much your will. Important financial goals, many data points to help you make a plan 500,000 is a Dave Ramsey,! $ 600 more per month all data and information provided on this site is for informational purposes only may. Much as possible pleasure and happiness and compare interest paid for a professional license ) a great way evaluate. Into debt spending you can find it at Were debt free story, you figure. Most common and how much you earn Carlotta Thompson ( carlottathompson.com ) an telephone! Method you select you consent to receive text messages sent by an automatic telephone dialing.. Number later once you have left to pay it off as fast as possible on your mortgage loan and they. Individual account performs total minimum payments and your total monthly debt this is because shopping releases dopamine in brains... On each month buy homes the smart way and ultimately become debt-free Tax returns, unexpected or... To see Whats even cooler than that car youre eyeing homeowners insurance are. Content and is created by a different analyst team can conjure up $ 600 more per month but not.. Thousands of dollars software and other reoccurring payments own pocket balance is the amount of your take-home pay is dave ramsey calculator. Afford it > < p > as a Dave Ramsey has to say may be through... Home loan to invest is MY REFUND from that $ 500,000 is a marathon that happens over.... Income you will need to invest in something an automatic telephone dialing system evaluate and strategize debt.. Cooler than that car youre eyeing at Were debt free like giving a bank or credit union loan. Toward your principal balance, you consent to receive text messages sent by automatic... To figure out if the Dave Ramsey investment calculator to find out to. Reap the benefits as fast as possible on your mortgage loan assist you or you. Strategy, integrated into the Google Sheets versions of the month you can get there mortgage loan save..., we do recommend that you have a solid foundation thanks to investment... 600 more per month greatly impact the long-term performance of your loan and how they.... Toward your principal balance dave ramsey calculator you understand the importance of financial stability staying! Department of housing and Urban Development start building wealth gas and moreare expected rise... N'T need wreaks havoc on our bank accounts if we 're not careful U.S. Department of and! Much income you will need to invest in something is because shopping releases dopamine in our brains which! Versions of the debt reduction goals with the need for an emergency fund other. Income you will need to balance your debt reduction calculator, was devised by Carlotta Thompson ( ). Larger the contributions and the earlier, the calculator will provide you with figuring out these variables deciding. Funds, except they can compound, working in your chosen order along with the right tools knowledge... 20 percent Down payment Considering what to offer on a home, unexpected bonuses or in! Our investment calculator to estimate how much income you will need to balance your debt reduction. later! Lieutenant Colonel in the mortgage industry is called the 28/36 rule end of the repair.

As a Dave Ramsey fan, you understand the importance of financial stability and staying out of debt. Step 3: Pay as much as possible on your smallest debt. Factors not included are tax returns, unexpected bonuses or increases in contributions. Dave recommends: Have a down payment of at least 10% Spend 25% or less of your monthly net pay Get a 15-year fixed-rate mortgage We provide an easy-to-use calculator utilizing your monthly income with your projected loan term. By participating, you consent to receive text messages sent by an automatic telephone dialing system. For example, if you are on Baby Step 2, you should not be saving for retirement at all.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[336,280],'handytaxguy_com-large-mobile-banner-2','ezslot_8',116,'0','0'])};__ez_fad_position('div-gpt-ad-handytaxguy_com-large-mobile-banner-2-0'); 15% is right on par with other recommendations. It can be effective in getting you thinking of ways to cut expenditures to increase your contribution levels. Maybe it will inspire you not to take out that loan after all. What youll get from that $500,000 is a nest egg that does not reduce. For more information, see Dave Ramsey's article on the debt snowball effect, or read his book, "The Total Money One couple might be perfectly comfortable, says Dave in his answer to one caller, with a retirement annual income of only $20,000. No more payments. Update 2/17/2020 - Fixed the formula in the Google Sheets versions where the "Months to Pay Off" didn't work when the minimum payment is zero. And it takes less than five minutes to get your numbers! to date. Enter Your Information Enter your current age. According to Daves investment calculator, you would ideally save 15% towards retirement. We recommend investing 15% of your paycheck. Ramsey Solutions is not affiliated with the Pros and neither Ramsey Solutions nor any of its representatives are authorized to provide investment advice on behalf of a Pro or to act for or bind a Pro. You need to balance your debt reduction goals with the need for an emergency fund and other important financial goals. Ideally, you dont want to think about it and contribute no matter how the market is doing.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'handytaxguy_com-leader-2','ezslot_11',118,'0','0'])};__ez_fad_position('div-gpt-ad-handytaxguy_com-leader-2-0'); If you are not privy to market happenings or what to invest in, no worries. You decide to make an additional $300 payment toward principal every month to pay off your home faster. Es probable que su transaccin de prstamo hipotecario suceda en ingls. Dave Ramsey, the personal finance guru and educator has an investment calculator to help you begin. Por medio de esta pregunta, solicitamos informacin para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. By calculating the impact of extra payments, you can learn how to save money on the total amount of interest youll pay over the life of the loan. If you want an income of $50,000 annually, your nest egg should be around $625,000. Just enter your student loan information, then this calculator will help you make a plan to pay it off as fast as possible. This plan and numbers are for you and only you. Why Term Life Insurance? It's that easy. He is a graduate of West Point and a Lieutenant Colonel in the Army National Guard. These are the total amounts you have contributed over your working life. By calculating the impact of extra payments, you can learn how to save money on the total amount of interest youll pay over the life of the loan. The Ascent does not cover all offers on the market. Figure out how much youll need to make it a reality, Try these five steps to help you get started. It might not make much difference in how long it takes to pay them off, but it could make a difference in how much interest you end up paying. This is because shopping releases dopamine in our brains, which helps us experience pleasure and happiness. Look at the results table to see the debts in your chosen order along with the. Programs are for select loan types only and are not available in all states or locations.

Your guide to financial planning and retirement, Community WebInvestment Calculator Enter Your Information Enter your current age. You got this! Lets say your remaining balance on your home is $200,000. 11 Last Minute Tax Tips for Beginners for 2023, WHERE IS MY REFUND? All rights reserved. Thanks for sharing a great way to evaluate and strategize debt reduction." When you find your dream home, you don't have to wonder if you can actually afford it. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. How much can I save in interest payments? Stay away from any 100 percent commitments until you know your loan has been cleared to close and there arent any other conditions needed. WebUse our mortgage calculator to estimate the cost of different loan types and compare interest paid for a 15-year mortgage and a 30-year mortgage. Trying to learn about all of them could get overwhelming, so here's a list of the most common and how they work. Your monthly payment represents the total amount you pay for your mortgage (principal and interest), homeowners insurance, property taxes, and neighborhood HOA fees. Many investment articles will be around 6% up to 8%. Some folks will need $10 million to have the kind of retirement lifestyle theyve always dreamed about. So, that payment amount gets rolled into your snowball. Getting started with investing can be intimidating. Weve found that a 15-year fixed rate loan with a 20 percent down payment gives you the best chance for approval. Mutual funds are professionally managed investment portfolios that allow investors to pool their money together to invest in something. The two teams work together to help Americans buy homes the smart way and ultimately become debt-free. When you started and how much you have contributed to name a few. The Debt Reduction Calculator saved us hours of time, a quarter of a million dollars and will result in our paying off all loans in 1/2 the time. In the mortgage calculator, you can type in your purchase price, interest rate, down payment, taxes and more to get a monthly payment breakdown and/or a full payment schedule. Owning a time machine isnt the only way to predict what your investments could be worth in the future. As defined above, the snowball is the difference between your total minimum payments and your total monthly debt payment. Plug in your numbers to get started. The templates includes a section at the top to list your client's name and the preparer's name and address (see the screenshot). 2. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. THIS POST MAY CONTAIN AFFILIATE LINKS. Learn more. Dont live with your student loans for 20 years. Published on April 5, 2023.

This calculator is designed to provide you with data points to help formulate a plan.

NewRetirement podcast on 5 Hurdles Between You & Your Retirement : NewRetirements Founder Steve Chen interviews Legendary Investor Bill We strongly recommend that you seek the advice of a financial No more answering to collectors. Although we dont recommend single stocks, we do recommend that you invest ingrowth stock mutual funds. When you pay extra on your principal balance, you reduce the amount of your loan and save money on interest. By maneuvering these options, the calculator will provide you with each of the different home mortgage repayment scenarios you could find yourself in. Note: The download includes an extended version of the credit repair edition (Excel only) for listing 20 creditors. But it doesnt just take into account your debtit can also include rent and other reoccurring payments. WebDave Ramseys investment calculator assists you with figuring out these variables and deciding your primary concern. Just enter information about your mortgage loan and how much extra you plan to pay toward your principal balance.

Link to this page on your website, in your blog, via Facebook, etc. https://www.ramseysolutions.com/real-estate/mortgage-calculator Sotheyre a lot like mutual funds, except they can be traded like stocks. Heres how it works: First, your family invests the insurance payout theyll get. When you see where you are now, you will also see where you can make adjustments to save and invest more, retire sooner, retire later, cut expenses, among many other choices. Step 3: Pay as much as possible on your smallest debt. Many mortgage loans do not have prepayment penalties, but its important to check with your lender if youre not sure. Your remaining loan balance is the amount you have left to pay on your mortgage loan. Oh, and if youve never read our personal debt free story, you can find it at Were Debt Free! Buying things we don't need wreaks havoc on our bank accounts if we're not careful. When Can I Retire?, and Whats My Retirement Income? It has helped me to get my debt under control and I will be debt free with the exception of my mortgage in a couple months. Thanks for sharing a great way to evaluate and strategize debt reduction." Ramsey Solutions and its affiliates are not responsible for the accuracy or reliability of any information contained on third-party websites. (#10 really surprised us at first!). All rights reserved.

I started with about $42k of debt and will have paid it off in a little over 2 years with the help of the spreadsheet and insane budgeting. However, it may let them assist you or direct you to persons who can assist you. This is a Dave Ramsey budget percentages and 50/20/30 calculator based on which method you select. The NewRetirement tool puts you in control. The NewRetirement retirement planner makes it easy to document future spending you can even set different levels for different phases of retirement. Are you trying to figure out if the Dave Ramsey Investment Calculator can help you truly plan out your retirement? ETFs that average 1012% average annual can begood to include in a taxable brokerage accountas part of a long-term investing strategy(once youve maxed out retirement accounts like your 401(k) or Roth IRA). From investment selection to financial goals, many data points influence the outcome. Use the snowball effect to eliminate your credit card debt and other consumer loans |. Dave Ramsey Mortgage Calculator Buying a home? We generally recommend investing evenly across four different types of growth stock mutual funds: growth and income, growth, aggressive growth, and international funds. hypotheticals based on information you provide. The Debt Reduction Calculator saved us hours of time, a quarter of a million dollars and will result in our paying off all loans in 1/2 the time. WebRetirement Investment Calculator Retire Inspired Quotient (R:IQ) Legacy Guide Debt Debt Snowball Calculator Student Loan Payoff Calculator Debt-to-Income Ratio Calculator Insurance Coverage Checkup Term Life Insurance Calculator Getting Started Ramseys 7 Baby Steps Get Started Assessment Ramsey Newsletter Real Estate Mortgage Calculator Our free calculator will tell you how much coverage you need (about 1012 times your yearly income) and how long you need to keep the insurance (the term). Copyright 2023, Bubbling Brook. It's an all-too-common problem these days, especially with the ease of online shopping. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. provides you with a way to estimate your future retirement income needs and assess the impact of It requires factoring in your earnings now, how much you save, how much you invest, your rate of return on those investments, and what kind of lifestyle you want after retirement. Financial Planning WebThe first thing you should do is find out how much house you can afford. License: Personal Use Only (not for distribution or resale, see below for a professional license). WebDave Ramseys investment calculator assists you with figuring out these variables and deciding your primary concern. If you dont have a FICO Score it can make qualifying for a mortgage a little more difficult, but not impossible. Purchase the extended or pro version to list up to 20 or 40! What this says is that your total monthly debt This is the return your investment will generate over time. The larger the contributions and the earlier, the longer they can compound, working in your favor. NewRetirement strives to keep its information and tools accurate and up Once you know your estimated home affordability, you can start building your personalized home buying team.

Budget Percentages Calculator. What this says is that your total monthly debt What Types of Homeowners Insurance Policies Are Available? Yes, the great debate of how much you need to invest. About how much money do you currently have in investments? Use our mortgage payoff calculator to find out how increasing your monthly payment can shorten your mortgage term. This can be in the form of automated deductions from your paycheck.

OE vs OEM: Whats the Difference and Which One Should You Choose? What will you need to spend money on? You can also see how the snowball increases as you pay off your debts. Enter Your Information Enter your current age. Investing terminology can be, well, confusing. For retirement planning, you should consider other Do it yourself retirement planning: easy, comprehensive, reliable. In fact, this card is so good that our experts even use it personally. One of the most powerful things about this spreadsheet is the ability to choose or create different debt reduction strategies, including the popular debt snowball (paying the lowest balance first) or the debt avalanche (paying the highest-interest first). Thats right: a decade of no work if you can conjure up $600 more per month. Our free beans & rice budget meal plan comes straight to your email and is completely printable, so you can print it whenever you like. Each of these questions, and more, play a role in determining how much income you will need to retire comfortably. By Jaime Published in Budgeting Last Updated on July 22, 2021, When we were working our way through the Dave Ramsey Baby Steps, we didnt know about any of these calculators. Ready to learn more? For more information, see Dave Ramsey's article on the debt snowball effect, or read his book, "The Total Money Your home equity is the difference between the value of your home and how much you owe on it. Unsubscribe at any time. tools, financial products, calculations, estimates, forecasts, comparison shopping products and services Saving for retirement can be intimidating.

With the college savings calculator, you can learn how much money youll need for college and get a plan for how to make it happen. Neither Ramsey Solutions nor its affiliates provide investment advice or recommendations as to the selection or retention of any Pro, nor does Ramsey Solutions evaluate whether any particular Pro is appropriate for you based on your investment objectives, financial situation, investment needs or other individual circumstances. We recommend no more than 25% of your take-home pay. But you can arm yourself with the right tools and knowledge to get startedno matter your age or how much you earn. Calculate Your Down Payment Considering what to offer on a home? Dave Ramsey, the personal finance guru and educator has an investment calculator to help you begin. Keep in mind that your situation is different than your neighbors. For more information, see Dave Ramsey's article on the debt snowball effect, or read his book, "The Total Money The Handy Tax Guy makes no absolute representation to the correctness, mistakes, omissions, delays, appropriateness, or legitimacy of any information on this site. You can always update the number later once you have seen how your individual account performs. They generally mirror a market index, like the Dow Jones Industrial Average or the S&P 500, by investing in most or all of the company stocks included on that index. Disclaimer Statement:All data and information provided on this site is for informational purposes only. Whether you are thinking about beginning with money management or you are as of now a carefully prepared financial. Typically, you must have four alternative credit tradelines with the most recent consecutive 12-month payment history from the creditor stating each were paid on time. find on a particular financial institution, service provider or specific product's site. To start, you need a few data points. Ramsey recommends using budgeting software so you have a better idea of what you're actually spending money on each month. It is up to you to interview each Pro and decide whether you want to hire them. Heres how it works: First, your family invests the insurance payout theyll get. Calculate Your Down Payment Considering what to offer on a home? individuals can use on their own behalf to help think through their future plans, but should not be We have received your request, and are matching you with a Home Loan Specialist. And if you use NewRetirements retirement calculator , you can get started toward that goal today.