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 |
| 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! |
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 |
| Debt Service Coverage | This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions. |
| 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. |
| Net Operating Loss Carryback/Carryover | If you are a sole proprietorship and have a NOL, use this calculator to determine the carryback/carryover of this loss to another tax year. |
| 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 |
| 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. |
| 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. |
| 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. |
| 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. |
| 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. |
Investment |
| Investment Goal | Use this calculator to see if your investment plan is on track to meet your investment goals |
| 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. |
| 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. |
| Personal Economic Recovery Calculator | This calculator can help you determine exactly what it might take to return your to your original investment balance. |
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. |
| Enhanced Loan Calculator | Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term. |
| Home Equity Line of Credit Calculator | How big of a home equity line of credit can you receive? Use this calculator to find out! |
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. |
| 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. |
| 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 Calculator | This works just like a pocket calculator. |
| 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! |
| 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) Savings 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. |
| 403(b) Savings Calculator | If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement. |
| 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. |
| 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. |
| 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 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 Plan Withdrawal | Use this calculator to see what your net withdrawal would be after taxes and penalties are taken into account. |
| Roth IRA Calculator | Use this calculator to compare the Roth IRA to an ordinary taxable investment. |
| 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. |
| Traditional IRA Calculator | How can contributing to a regular IRA help you in your retirement? |
Savings |
| 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. |
Tax |
| 1040 Tax Calculator | Enter your filing status, income, deductions and credits and we will estimate your total taxes for 2011. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April 2012. |
| 1040 Tax Calculator (Tax Year 2009) | Use this 1040 tax calculator to help estimate your tax bill using the 2009 tax year's rates and rules. |
| Marginal Tax Rate Calculator (Tax Year 2010) | Use this calculator to determine your marginal and effective tax rates for tax year 2010. |