Calculators

As accounting professionals here to help you, we receive a number of financial questions on a daily basis. While financial tools are not a substitute for financial advice from a qualified professional - we would like to provide you with both. Below you will find the tools and calculators necessary to answer such questions as "Should I refinance my mortgage?", "How much do I need to save for my child's college education?", etc.

 

Tax Calculators

1040 Tax Calculator - How much income tax will you pay? Use this 1040 tax calculator to help determine your tax bill for next April.

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.

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.

Payroll Deductions - Use this calculator to help you determine the impact of changing your payroll deductions.

Net to Gross Paycheck Calculator - This calculator helps you determine the gross paycheck needed to provide a required net amount.

Auto Calculators

Auto Loans - Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price.

Lease vs. Buy - Should you lease your next automobile or finance it? Find out with this calculator.

Home Equity vs. Auto Loan - Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.

Auto Loan Early Payoff - Find out how much interest you can save by increasing your monthly auto loan payment.

Debt and Credit Cards

How Much Do You Owe? - Use this calculator as a starting point for your debt management plan.

Roll-Down Your Credit Card Debt! - The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.

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.

Personal Debt Consolidation - Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

Credit Card Payoff - 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.

Credit Card Optimizer - The Credit Card Optimizer helps you determine the best distribution of your credit card debt.

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.

Personal Finance

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.

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!

Checkbook Balancer - Balance your checkbook with this quick and easy calculator.

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.

Mortgage Calculators

Mortgage Loan Calculator - Use this calculator to determine your monthly payment and amortization schedule.

Mortgage Qualifier - Can you buy your dream home? Find out just how much you can afford.

Refinance Breakeven - Should you refinance your mortgage? Use this calculator to determine when you will breakeven.

Rent vs. Buy - Are you better off buying your home, or should you continue to rent?

Mortgage Payoff - Save thousands of dollars in interest by increasing your monthly mortgage payment.

Refinance Interest Savings - Use this calculator to see how much interest you can save by refinancing 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.

Adjustable Rate Mortgage Calculator - This calculator helps you to determine what your adjustable mortgage payments will be.

Mortgage Points Calculator - Should you buy points? Use this calculator to find out.

Mortgage APR Calculator - Use this calculator to find the APR on your 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 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.

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.

Maximum Mortgage - Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.

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.

Insurance Calculators

Life Insurance Calculator - How much life insurance do you really need? Find out here!

Disability Insurance - Use this calculator to determine your disability insurance needs.

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 Calculators

Asset Allocator - Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.

Annual Stock Option Grants - Use this calculator to project how much a series of annual stock option grants could be worth to you.

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 Loan - This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk.

Retirement Calculators

Retirement Planner - Quickly determine if your retirement plan is on track and learn how to keep it there.

Retirement Pension Planner - Plan your retirement with a company pension, find out if you are on track and learn how to stay there.

Social Security Benefits - Use this calculator to estimate your Social Security benefits.

Retirement Income - Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.

Roth IRA Calculator - Use this calculator to compare the Roth IRA to an ordinary taxable investment.

Traditional IRA Calculator - How can contributing to a regular IRA help you in your retirement?

Roth IRA Conversion - This calculator will show the advantage, if any, of converting your IRA to a Roth.

How Important is Social Security? - Use this calculator to determine how losing this important retirement asset could affect you.

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.

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.

Beneficiary Required Minimum Distributions - Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.

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.

Retirement Shortfall - Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.

Pension Plan Retirement Options - Use this calculator to help decide between joint survivorship and single survivorship pension options.

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.

Savings Calculators

Certificate of Deposit Calculator - I 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.

Savings Goals - What will it take to reach your savings goal? This financial calculator helps you find out.

Savings Calculator - Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Savings, Taxes, and Inflation - Use this calculator to determine how much your savings will be worth with these two important variables in mind.

Cool Million - Find out when your savings plan may make you a millionaire.

Compound Interest and Your Return - This calculator demonstrates how compounding can affect your savings.

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.

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.

Lunch Savings - Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.

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.

Savings Distribution Calculator - Use this calculator to determine savings balance after a series of monthly, quarterly or annual withdrawals.

Business Calculators

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 the efficient timing of your inventory orders.

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.

Working Capital Needs - Working capital is essential to running your business. This calculator assists you in determining your working capital needs for the next year.

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.

Business Debt Consolidation Calculator - Should your business consolidate its debt? Use this calculator to find out.

Equipment Buy vs. Lease - Should you lease your equipment or finance it? Find out with this calculator!

Loan Calculators

Alternative Payment Frequencies - Use this calculator to determine your payment or loan amount for different payment frequencies.

Debt Consolidation Calculator - Should you consolidate your debt? Use this calculator to find out.

Credit Line - How big a line of credit can you receive? Use this calculator to find out.

Loan & Line Payment - This calculator helps determine your loan or line payment.

Loan Comparison Calculator - Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

Enhanced Loan Calculator - Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.

Loan & Credit Line Tax Savings - This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.

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.

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.

Equity Line of Credit Payments - What will my monthly payments be for an interest only equity line of credit?

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.

Loan Prequalification Calculator - Use this calculator as your first step in determining your ability to qualify for a loan.