Tools & Calculators

As a benefit to our clients and prospective clients, Sgroi Financial makes available the following free tools to assist with your financial planning.

Cash Flow

Should I pay down debt or invest more?

How long will my money last?

Credit and Debt

How long will it take to pay off my credit card(s)?

How long until my loan is paid off?

What Is The Impact Of Making Extra Payments?

Home & Mortgage

How much will a mortgage cost me?

What are the tax savings generated by my mortage?


Will I be able to pay back my student loans?

What are the advantages of a Coverdell ESA?

What are the advantages of a 529 plan?


How much social security should I expect in retirement?

How does inflation impact my retirement income needs?


What is my life expectancy?

What are my chances of becoming disabled?

What are the tax advantages of an annuity?


How long will it take to reach my investment goal?

What will my current savings grow to?


How much will my investment compound?

What is the difference in leverage tax-advantaged vs. taxable accounts?

How do expenses impact mutual fund return?

Also, please try our free portfolio risk analysis tool

• Base the scenario on a $100,000 investment

• Answer questions based on your current investment perspective

• This newly acquired technology will allow us to determine your ‘risk score’, therefore giving your financial planner more valuable information to analyze while discussing your current and future investments

• This exercise is for educational purposes only

Discuss your investment needs with us today.

Call us at 716-674-6700 or send us an email