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 the decision making process.
|
 |
|
||||
|
|
|
||||
|
|
|
||||
|
|
|
||||
|
|
|
||||
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. |
| Auto Refinance Interest Savings | Use this calculator to see how much interest you can save by refinancing your auto loan. |
| Bi-weekly Payments for an Auto Loan | This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest. |
| Bi-weekly Payments for an Auto Loan with Fees | This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest. |
| 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. |
| 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! |
| Low Interest Financing Savings | Low, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save. |
| < Back |
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. |
| 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. |
| Inventory Analysis | Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders. |
| 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. |
| Repossession of Personal Property from a Deferred Payment Sale | If you have repossessed personal property from a deferred payment sale, you can this calculator to determine the gain or loss. |
| Repossession of Personal Property from an Installment Payment Sale | If you have repossessed personal property with installment payments, you can this calculator to determine the gain or loss. |
| 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. |
| < Back |
Debt and Credit Cards |
| Accelerated Debt Payoff | Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff. |
| 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. |
| Home Equity Debt Consolidation | This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you. |
| 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 pay off your other outstanding debt. |
| < Back |
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. |
| 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 Accounts (HSA) Employer Benefit | This calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees. |
| 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. |
| < Back |
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. |
| Debt Consolidation Calculator | Should you consolidate your debt? Use this calculator to find out. |
| Enhanced Loan Calculator | Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term. |
| 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! |
| Line of Credit Payoff | Use this calculator to see what it will take to pay off your line of credit, and what you can change to meet your repayment goals. |
| 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. |
| < Back |
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. |
| Fixed Rate Mortgage vs. Interest Only Mortgage | Use this calculator to compare a fixed rate mortgage to 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 Refinance Break Even | Should you refinance your mortgage? Use this calculator to determine when you will break even. |
| 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. |
| 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? |
| < Back |
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. |
| Home Budget Analysis | Analyze your budget, see where your money goes and find out where you can improve! |
| 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. |
| < Back |
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) Contribution Comparison | Use this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan options. |
| 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. |
| 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. |
| Roth 401(k) vs. Traditional 401(k) | Use this calculator to determine which 401(k) contribution type might be right for you. |
| Roth IRA Conversion | This calculator will show the advantage, if any, of converting your IRA to a Roth. |
| Roth IRA Conversion with Distributions | Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible. |
| 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? |
| < Back |
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. |
| College Savings | Use this calculator to help develop or fine tune your education savings plan. |
| 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. |
| Vice Savings | Use this calculator to see how a simple changes in your spending habits for common vices such as smoking, drinking or even eating out can really add up. |
| < Back |
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. |
| 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. |
| < Back |