VFG
Financial calculators
Simple, interactive tools to explore how saving, investing, and taxes can shape your financial picture. For education only — your Vision Financial Group advisor can build a plan around your full situation.
Investment / Compound Growth
Compound Growth
See what time and compound growth can do for your money.
CompoundsMonthly
Rule of 72
10.3
Years to Double
FrequencyMonthly
Winner
The Early Starter
Person A
Balance at Retirement
$0
Invested $0 over 0 years
Winner
The Late Starter
Person B
Balance at Retirement
$0
Invested $0 over 0 years
The Punchline
Adjust inputs above.
Build up to 3 scenarios with different assumptions. Watch them compete. Perfect for "what if..." conversations with clients.
Results at a Glance
all scenarios, all the math
| Scenario |
Monthly |
Return |
Years |
Total Invested |
Final Value |
Growth |
Multiple |
Assumes constant returns and contributions made at the start of each period (annuity-due basis). Real markets are volatile. Past performance doesn't guarantee future results. Educational illustration only.
Tax Planning / Capital Gains Estimator
Capital Gains Estimator
"If I sell this position, what's the tax bill?" — answered with bracket awareness.
The Verdict
Adjust the inputs to see the tax estimate.
Total Tax Bill
$0
Federal + NIIT + State
Effective Rate on Gain
0.00%
Tax ÷ gain
Net After Tax
$0
Gain minus total tax
Marginal Rate (Next $)
0.0%
If you sell more
The gain stacks on top of other taxable income. Each LTCG bracket boundary is a planning lever.
Tax Breakdown
where the bill comes from
| Component | Amount Taxed | Rate | Tax |
Uses 2026 IRS LTCG brackets (Rev. Proc. 2025-32) and ordinary income brackets for short-term gains. NIIT thresholds ($200K single / $250K MFJ MAGI) are not inflation-indexed. Treats taxable income as a MAGI proxy — close enough for most clients but technically MAGI adds back foreign income exclusion and a few other rare items. Net losses, loss carryforwards, AMT, QBI deduction, and Section 1250/1202/collectibles special rates are not modeled — net those manually before entering the gain. Head of household and MFS not yet supported. State tax is treated as a flat rate; for graduated state systems, this approximates. Verify with a CPA before using in a deliverable.
Cash Flow / Pay Down vs. Invest
Pay Down vs. Invest
Should that extra cash flow go to the mortgage or the portfolio?
The Verdict
Adjust the inputs to see the recommendation.
Spread
+0.50%
Investment edge over mortgage
Years to Payoff
17.5 yr
With extra principal applied
Interest Saved
$0
From paying down faster
Net Wealth Difference
$0
At original payoff date
Pay Down vs. Invest the Difference
Side-by-Side at Payoff Horizon
same monthly out-of-pocket, different paths
| Strategy | Payoff | Investment Account | Mortgage Owed | Net Wealth |
Stress Test: What If Returns Disappoint?
does the answer flip under tougher conditions?
| Scenario | Pay Down Wins By | Invest Wins By | Verdict |
Compares two strategies with the same monthly out-of-pocket cost over the original mortgage term. Strategy A applies the extra to principal until payoff, then invests the freed-up full payment for the remainder. Strategy B makes minimum payments and invests the extra throughout. Use the after-tax mortgage rate (rate × (1 − marginal bracket) if the client itemizes) and after-tax expected return (shave ~0.5–1% off pretax for taxable brokerage). Mortgage payoff is a guaranteed return; investment return is expected, not guaranteed. Does not model: PMI removal, escrow changes, refinancing, sequence-of-returns risk, or the behavioral gap (clients who plan to "invest the difference" don't always actually invest it).