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Keeping up with your finances or planning for the future can be complex and time consuming, but using the right tools can make the job easier. Stock-Net has compiled a list of the top financial tools available on the web, to make your homework just a little easier.

Retirement Analysis Toolkit

Give your retirement strategy a checkup at Early-Retirement.org. You can also plan your retirement withdrawals and get estimates of safe withdrawal levels by using the tools at TRowePrice.com. This tool uses statistical modeling to calculate the odds of your retirement money running out for different withdrawal rates.

CNNMoney.com’s Retirement Planner also has a top-notch tool that can help you evaluate your retirement financial plans. Enter income, savings, and portfolio information, and the tool produces a chart showing the likelihood of meeting your financial goals.   For help with planning when to start social security payments, check out the free spreadsheet planning tools at Analyze Now.

Mutual Fund Analysis Tools

Understanding the underlying holding of your mutual funds can deliver some surprises, you may not be as diversified as you might think. Morningstar’s portfolio X-Ray make this task easy, but you must be a premium subscriber, or take advantage of their 14 day free trial to access the tool.

Fund expense analysis lets you compare investment expenses across funds and ETF’s. Take advantage of the NASD Expense Analyzer tool to make this task a snap.

Loans and Savings Analyzers

Ever wonder how a good credit score can save you money. Use the FICO score Calculator to see how loan costs can vary based on credit scores. For a similar tool, try bankrate.com.

How much money could you save if you cut out a gourmet coffee each day? Find out by using Sharon’s Muffin Calculator. This site has a variety of unusual financial calculators, that can make financial analysis interesting and entertaining.

Figuring your Taxes, or Just Figuring?

For tax information, try the AMT Estimator at H&R block’s site. This tool will let you know if you are subject to the AMT tax, or let you get prepared if you may hit the AMT thresholds in the coming year. For general tax forms and information, head the to source, IRS.gov, where you can find all the forms and instructions you need for your taxes.

Need to brush up on some math, to help make it all a little easier? Try math.com for a variety of calculators and tools to help you through the financial challenges. If you need to know some details of a particular math technique, you can always search Wikipedia for the answers.

If you know of other financial tools on the web that are at the top of their class, let me know and I will add them to the list here. Happy Analyzing!