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 Calculator | Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price! |
| 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. |
| Dealer Financing vs. Credit Union Financing | Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate. |
| 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! |
Business |
| Breakeven Analysis | Find out how many and what price you must sell your product at to make a profit. |
| Business Valuation - Discounted Cash Flow | This tool calculates a business valuation based upon the discounted cash flow methodology |
| Commercial Loan Calculator | Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved. |
| 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. |
| Profit Margin Calculator | This calculator can help you determine the selling price for your products to achieve a desired profit margin. |
| Working Capital Needs | Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year. |
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 Minimum Payment Calculator | Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments. |
| 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. |
| How much do you owe? | Use this calculator as a starting point for your debt management plan. |
| Personal Debt Consolidation | Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. |
| Roll-Down Your Credit Card Debt! | The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt. |
| Student Loan Consolidation and Debt Payoff | The Student Loan Consolidation and Debt Payoff Calculator applies two simple principles to paying off your Debt; Consolidate your student loans, and use the monthly savings to payoff your other outstanding debt. |
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) vs. Traditional Health Plan | Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. |
| Immediate Annuity Calculator | Estimate what your monthly payments might be from an immediate annuity. |
| Life Insurance Calculator | Find out how much life insurance you really need! |
| Variable Annuity Calculator | How can a variable annuity help you save for retirement? Use this calculator to find out. |
Investment |
| Personal Economic Recovery Calculator | This calculator can help you determine exactly what it might take to return your to your original investment balance. |
Loan |
| Alternative Payment Frequencies | Use this calculator to determine your payment or loan amount for different payment frequencies. |
| 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. |
| Enhanced Loan Calculator | Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term. |
| Loan & Credit Line Payment | This calculator helps determine your loan or credit line payment. |
| Loan & Credit Line Tax Savings | This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments. |
| 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. |
Mortgage |
| Adjustable Rate Mortgage Calculator | This calculator helps you to determine what your adjustable mortgage payments will be. |
| 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. |
| Fixed Rate Mortgage vs. Interest Only Mortgage | Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage. |
| Maximum Mortgage | Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow. |
| 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 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 Breakeven | Should you refinance your mortgage? Use this calculator to determine when you will breakeven. |
| 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? |
| Reverse Mortgage Calculator | This calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time. |
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. |
| 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. |
| Should my spouse work? | This calculator is designed to help you see the financial impact of having either one or two incomes for your household. |
| 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. |
Retirement |
| 401(k) Spend It or Save It Calculator | There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings. |
| 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) Contribution Comparison | Use this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan options. |
| 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 Nestegg Calculator | Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be. |
| Retirement Pension Planner | Plan your retirement with a company pension, find out if you are on track - and learn how to stay there. |
| Retirement Planner | Quickly determine if your retirement plan is on track - and learn how to keep it there. |
| RMD & Stretch IRA Calculator | Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible. |
| 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 vs. Traditional 401(k) | Use this calculator to help determine if a Roth or 401(k) might be best for you. |
| Roth vs. Traditional IRA | Use this calculator to determine which IRA may be right for you. |
| 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? |
Savings |
| Benefit of Spending Less | Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth. |
| 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. |
| College Savings | Use this calculator to help develop or fine tune your education savings plan. |
| Cool Million | Find out when your savings plan may make you a millionaire! |
| Don't Delay Your Savings! | Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost. |
| Emergency Savings Calculator | This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal. |
| Savings Goals | What will it take to reach your savings goal? This financial calculator helps you find out. |
| Savings, Taxes, and Inflation | Use this calculator to determine how much your savings will be worth with these two important variables in mind. |
Tax |
| 1040 Tax Calculator | Enter your filing status, income, deductions and credits and we will estimate your total taxes for 2010. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April 2011. Please note that this calculator uses the 2010 preliminary tax tables subject to change by the IRS. |
| 1040 Tax Calculator (Tax Year 2011) | Use this 1040 tax calculator to help estimate your tax bill using the 2011 tax year's rates and rules. This calculator is for 2011 estimates only. |
| 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. |
| Marginal Tax Rate Calculator 2011 | Use this calculator to determine your marginal and effective tax rates for tax year 2011. 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 2011 Calculator | If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for 2011 (updated for the Tax Hike Prevention Act of 2010). |