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Calculators

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Welcome to our website, where you'll find a wealth of information in the form of newsletter articles and calculators.

Total Planning works with professionals and their families to assist them in all of life's important planning needs. We offer health, life, and disability insurance planning for the professional and their family. Most of our clientel work in the medical, dental, or veterinary fields. We also help professionals with insurance needs for starting or purchasing a practice. 

Since its inception over 34 years ago,Total Planning has expanded to service clients located throughout the United States. Please feel free to contact us for more information about our insurance strategies.

Thank you,

The Total Planning Team

Wealthy Colleges Face Expanded Endowment Tax

A new tiered tax rate on the endowments of wealthy colleges and universities could affect spending on financial aid, research, and other college programs.

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Unpacking the Real Limitations on Unlimited PTO

The prospect of unlimited paid time off may be appealing, but there are also some potential pitfalls to consider.

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HOT TOPIC: The Shutdown is Over: What Now?

The longest government shutdown in U.S. history ended on November 12, 2025. This article looks at the bill that ended the shutdown, issues that are unresolved, and estimates of the economic impact.

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Medicare Open Enrollment: A Time for Choices

Each year from October 15 to December 7, Medicare offers an Open Enrollment period during which beneficiaries can review coverage options and make changes as appropriate.

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Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

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