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.

Auto
Auto Loan Early Payoff, Auto Rebate vs. Low Interest Financing, Auto Refinance Interest Savings, Car Loan Calculator, Home Equity Loan vs. Auto loan, Lease vs. Buy, Low Interest Financing Savings More...
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Business
Breakeven Analysis, Business Debt Consolidation Calculator, Business Valuation - Discounted Cash Flow, Commercial Loan Calculator, Equipment Buy vs. Lease, Like Kind Exchange, Profit Margin Calculator, Repossession of Personal Property from a Deferred Payment Sale, Repossession of Personal Property from an Installment Payment Sale, Repossession of Real Property, Working Capital Needs More...

Debt and Credit Cards
Accelerated Debt Payoff, Consolidation Loan Investment Calculator, Cost-of-Debt Calculator, Credit Card Minimum Payment Calculator, Credit Card Optimizer, Credit Card Pay Off, Roll-Down Your Credit Card Debt!, Snowball Debt Elimination Calculator, Student Loan Consolidation and Debt Payoff More...
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Insurance
Life Insurance Calculator More...

Investment
Annual Rate of Return Calculator, Future Value Calculator, Internal Rate of Return (IRR) Calculator, Investment Property Calculator, Investment Questionnaire - Broad Portfolio, Investment Questionnaire - Cash, Fixed Income and Equities, Investment Returns, Investment Savings and Distributions, Lump Sum Annual Return Calculator, Lump Sum Present Value Calculator, Municipal Bond Tax Equivalent Yield, Present Value Calculator, Present Value Goal Calculator, Stock Option Calculator, Taxable vs. Tax Deferred Investments, Taxable vs. Tax Deferred vs. Tax Free Investment More...
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Loan
Amortizing Loan Calculator, Existing Loan Calculator, Loan & Credit Line Payment More...

Mortgage
Bi-weekly Payment Calculator, Mortgage APR Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Points Calculator, Mortgage Refinance Break Even, Mortgage Required Income, Mortgage Tax Savings Calculator, Refinance Interest Savings More...
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Personal Finance
Basic Financial Calculator, Checkbook Balancer, Credit Assessment, Home Budget Analysis, Life Expectancy, Should my spouse work? More...

Retirement
401(k) Calculator, 457 Savings Calculator, How Important is Social Security?, Retirement Account Contribution Accelerator, Retirement Pension Planner, Retirement Planner, Roth (after-tax) Account or Pre-Tax Account?, Roth 401(k) vs. Traditional 401(k), Roth IRA Calculator, Roth IRA Conversion, Roth IRA Conversion with Distributions, Roth IRA vs. Traditional IRA, Should you Borrow From a 401(k) or 403(b)?, Social Security Benefits, Traditional IRA Calculator More...
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Savings
Certificate of Deposit Calculator, College Savings, Compound Savings Calculator, Compounding and Your Return, Savings Goals, Savings, Taxes, and Inflation More...

Tax
1040 Tax Calculator, Estate Tax Planning, Marginal Tax Rate Calculator, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Self-Employment Tax Calculator, U.S. 1040EZ Tax Form Calculator More...
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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.
Auto Refinance Interest Savings Use this calculator to see how much interest you can save by refinancing your auto loan.
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!
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.
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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.
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!
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.
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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.
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.
Roll-Down Your Credit Card Debt! The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
Snowball Debt Elimination Calculator This Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule.
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.
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Insurance


Life Insurance Calculator Find out how much life insurance you really need!
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Investment


Annual Rate of Return Calculator Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.
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.
Internal Rate of Return (IRR) Calculator Use this calculator to determine an Internal Rate of Return (IRR). It calculates the IRR on an annual basis of an irregular stream of up to 20 payments and withdrawals.
Investment Property Calculator An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property.
Investment Questionnaire - Broad Portfolio The Investment Questionnaire is designed to help you create a balanced portfolio from a broad range of investment classes.
Investment Questionnaire - Cash, Fixed Income and Equities This questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities.
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.
Investment Savings and Distributions Use this calculator to see how long your investment savings can last once you begin taking distributions.
Lump Sum Annual Return Calculator Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.
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 Calculator Use this calculator to determine the present value of a known final future value plus a stream of deposits.
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!
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.
Loan & Credit Line Payment This calculator helps determine your loan or credit line payment.
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Mortgage


Bi-weekly Payment Calculator Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
Mortgage APR Calculator Use this calculator to find the APR on your 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 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 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.
Refinance Interest Savings Use this calculator to see how much interest you can save by refinancing your mortgage!
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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.
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.
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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.
457 Savings Calculator A 457 plan 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.
How Important is Social Security? Use this calculator to determine how losing this important retirement asset could affect you.
Retirement Account Contribution Accelerator Use this calculator to see how increasing your contributions to qualified retirement plan help save for 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 Planner Quickly determine if your retirement plan is on track - and learn how to keep it there.
Roth (after-tax) Account or Pre-Tax Account? Starting in 2006, you may have the option to contribute to Roth account. Use this calculator to help determine which retirement plan option might be best for you.
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 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.
Should you Borrow From a 401(k) or 403(b)? The majority of 401(k) plans and a growing number of 403(b) plans let you borrow money from your account. Use this calculator to help you determine if you should borrow, and the potential impact on 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


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.
Compound Savings Calculator Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Compounding and Your Return This calculator demonstrates how compounding can affect your savings.
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.
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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.
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.
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.
U.S. 1040EZ Tax Form Calculator Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.
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Certified Public Accountant