Financial Tools
Should I refinance my mortgage? How much do I need to save for my child's college education? As accounting professionals, these are some of the questions that are posed to us on a daily basis. We are providing these interactive financial calculators and other tools to assist you with some of the day-to-day questions and concerns that may arise. While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in your decision making process.
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Auto |
| Auto Loan Early Payoff | Find out how much interest you can save by increasing your monthly auto loan payment. |
| Auto Rebate vs. Low Interest Financing | Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. |
| Car Loan Calculator | Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment. |
| Home Equity Loan vs. Auto loan | Use this calculator to determine if a home equity loan makes sense for your next automobile purchase. |
| Lease vs. Buy | Should you lease your next automobile or finance it? Find out with this calculator! |
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Business |
| Breakeven Analysis | Find out how many and what price you must sell your product at to make a profit. |
| Business Debt Consolidation Calculator | Should your business consolidate its debt? Use this calculator to find out. |
| Business Valuation - Discounted Cash Flow | This tool calculates a business valuation based upon the discounted cash flow methodology - illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value. |
| Cash Flow Calculator | Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business. |
| Equipment Buy vs. Lease | Should you lease your equipment or finance it? Find out with this calculator! |
| Financial Ratios | This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability. |
| Like Kind Exchange | This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange. |
| Repossession of Real Property | If you have repossessed real property, you can this calculator to determine the gain or loss as well as its new basis. |
| Working Capital Needs | Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year. |
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Debt and Credit Cards |
| Consolidation Loan Investment Calculator | Getting a consolidation loan can do more than payoff your debt. Use this calculator to see the results of paying off your debt and investing your payment savings. |
| Cost-of-Debt Calculator | Use this calculator to see just how expensive paying interest on your debt can be. |
| Credit Card Optimizer | The Credit Card Optimizer helps you determine the best distribution of your credit card debt. |
| Credit Card Pay Off | Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals. |
| Home Equity Debt Consolidation | This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you. |
| Personal Debt Consolidation | Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. |
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Insurance |
| Comprehensive Life Insurance Analysis | How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out. |
| Disability Insurance | Use this calculator to determine how much disability insurance you may need to cover expenses if you are unable to work due to illness or injury. |
| Fixed Annuity Calculator | A fixed annuity can provide a secure, tax-deferred investment. Use this calculator to see how a fixed annuity might fit into your retirement plan. |
| Health Savings Account (HSA) Contribution Calculator | This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year. |
| Health Savings Account (HSA) Goal Calculator | Are you looking at the Health Savings Account (HSA) as a retirement account? This calculator will help you determine what you need to do in order to reach your goal. |
| Health Savings Account (HSA) Savings Calculator | Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time. |
| Health Savings Account (HSA) vs. Traditional Health Plan | Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. |
| Life Insurance Calculator | Find out how much life insurance you really need! |
| Long Term Care Calculator | Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense. |
| Variable Annuity Calculator | How can a variable annuity help you save for retirement? Use this calculator to find out. |
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Investment |
| Asset Allocation Calculator | Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. |
| Compare Investment Fees | Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy! |
| Future Value Calculator | Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits. |
| Investment Returns | There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line. |
| Lump Sum Future Value Calculator | Use this calculator to determine the future value of a lump sum. |
| Lump Sum Present Value Calculator | Use this calculator to determine the present value of a future lump sum. |
| Municipal Bond Tax Equivalent Yield | Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond. |
| Present Value Goal Calculator | Use this calculator to determine the how much needs to be invested now to achieve a future goal. The total amount required immediately is reduced by the present value of a stream of additional deposits. |
| Stock Option Calculator | Use this calculator to determine the value of your stock options for the next one to twenty five years. |
| Taxable vs. Tax Deferred Investments | This calculator is designed to help compare a normal taxable investment vs. a tax deferred investment. |
| Taxable vs. Tax Deferred vs. Tax Free Investment | This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment. |
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Loan |
| Amortizing Loan Calculator | Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment! |
| Balloon Loan Calculator | A balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you. |
| Equity Line of Credit Payments | What will my monthly payments be for an interest only equity line of credit? |
| Existing Loan Calculator | Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining. |
| Home Equity Line of Credit Calculator | How big of a home equity line of credit can you receive? Use this calculator to find out! |
| Loan Comparison Calculator | Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options. |
| Loan Prequalification Calculator | Use this calculator as your first step in determining your ability to qualify for a loan. |
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Mortgage |
| Adjustable Rate Mortgage Calculator | This calculator helps you to determine what your adjustable mortgage payments will be. |
| APR Calculator for Adjustable Rate Mortgages | Use this calculator to find the APR on your adjustable rate mortgage. |
| ARM & Interest Only ARM vs. Fixed Rate Mortgage | Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
| Balloon Mortgages | A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs. |
| FHA Maximum Financing Calculator | Use this calculator to determine your maximum FHA mortgage and cash needed for closing. |
| Fixed Rate Mortgage vs. Interest Only Mortgage | Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage. |
| Interest Only ARM Calculator | Interest only mortgages can provide you with very low monthly payments, however you are not paying off any principal during the interest only period. |
| Interest Only Mortgage Calculator | Use this calculator to generate an amortization schedule for an interest only mortgage. |
| Mortgage Comparison: 15 Years vs. 30 Years | Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you. |
| Mortgage Loan Calculator | Use this calculator to determine your monthly payment and amortization schedule. |
| Mortgage Loan Calculator (PITI) | Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule. |
| Mortgage Payoff | Save thousands of dollars in interest by increasing your monthly mortgage payment. |
| Mortgage Points Calculator | Should you buy points? Use this calculator to find out. |
| Mortgage Qualifier | Can you buy your dream home? Find out just how much you can afford! |
| Mortgage Refinance Break Even | Should you refinance your mortgage? Use this calculator to determine when you will break even. |
| Mortgage Required Income | Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income. |
| Mortgage Tax Savings Calculator | Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes. |
| Option ARM vs. Fixed Rate Mortgage | Use this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment. |
| Refinance Interest Savings | Use this calculator to see how much interest you can save by refinancing your mortgage! |
| Rent vs. Buy | Are you better off buying your home, or should you continue to rent? |
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Personal Finance |
| Basic Financial Calculator | This works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods. |
| Checkbook Balancer | Balance your checkbook with this quick and easy calculator. |
| Credit Assessment | How is your credit? Use this calculator for a quick assessment! |
| Home Budget Analysis | Analyze your budget, see where your money goes and find out where you can improve! |
| Life Expectancy | This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices. |
| Net Worth | This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years. |
| Student Budget | This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution. |
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Retirement |
| 401(k) Calculator | A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up. |
| Beneficiary Required Minimum Distributions | Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account. |
| How long will my retirement savings last? | Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals. |
| Individual 401(k) Savings Calculator | Use this calculator to see the benefits of an Individual 401(k) for the self-employed. |
| IRA Spend It or Save It Calculator | Spending your IRA before your retire can be a costly decision. See how taking your out IRA early could cost you thousands of dollars both in taxes and lost earnings. |
| Required Minimum Distribution (RMD) | Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements. |
| Required Minimum Distribution (RMD) for Current Year | Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year. |
| Retirement Contribution Effects on Your Paycheck | Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement. |
| Retirement Pension Planner | Plan your retirement with a company pension, find out if you are on track - and learn how to stay there. |
| Retirement Plan Withdrawal | Use this calculator to see what your net withdrawal would be after taxes and penalties are taken into account. |
| Retirement Planner | Quickly determine if your retirement plan is on track - and learn how to keep it there. |
| Roth 401(k) vs. Traditional 401(k) | Use this calculator to determine which 401(k) contribution type might be right for you. |
| Roth IRA Calculator | Use this calculator to compare the Roth IRA to an ordinary taxable investment. |
| Roth IRA Conversion | This calculator will show the advantage, if any, of converting your IRA to a Roth. |
| Roth IRA vs. Traditional IRA | Use this calculator to determine which IRA may be right for you. |
| Roth vs. Traditional 401(k) and your Paycheck | See how a Roth vs. Traditional 401(k) might affect your take home pay as well as your retirement savings. |
| Social Security Benefits | Use this calculator to estimate your Social Security benefits. |
| Traditional IRA Calculator | How can contributing to a regular IRA help you in your retirement? |
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Savings |
| CD Ladder Calculator | Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder. |
| Certificate of Deposit Calculator | Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD). |
| College Savings | Use this calculator to help develop or fine tune your education savings plan. |
| Compare Savings Rates | Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy! |
| Compounding and Your Return | This calculator demonstrates how compounding can affect your savings. |
| Cool Million | Find out when your savings plan may make you a millionaire! |
| Lunch Savings | Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up. |
| Savings, Taxes, and Inflation | Use this calculator to determine how much your savings will be worth with these two important variables in mind. |
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Tax |
| 1040 Tax Calculator | Enter your filing status, income, deductions and credits and we will estimate your total tax. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April. |
| 457 Payroll Deductions | Use this calculator to help you determine the impact of changing your payroll deductions. |
| Estate Tax Planning | Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability. |
| Flexible Spending Account (FSA) Calculator | Use this calculator to see how participating in Flexible Spending Account (FSA) contributions can help you pay less tax, and increase your net take home pay. |
| Marginal Tax Rate Calculator | Use this calculator to determine your marginal and effective tax rates. This calculator sorts through the tax brackets and filing options to calculate your true tax liability. |
| Net to Gross Paycheck Calculator | Determine the gross paycheck needed to provide a required net amount. |
| Payroll Deductions Calculator | Use this calculator to help you determine the impact of changing your payroll deductions. |
| Self-Employment Tax Calculator | If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2019. |
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