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.
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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. |
| 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! |
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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 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. |
| 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 |
| 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. |
| 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. |
| 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. |
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Insurance |
| 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 Account (HSA) Goal Calculator | Are you looking at the Health Savings Account (HSA) as a retirement account? This calculator will help you determine what you need to do in order to reach your goal. |
| Health Savings Account (HSA) Savings Calculator | Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time. |
| 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. |
| 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. |
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Investment |
| Asset Allocation Calculator | Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. |
| 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. |
| 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. |
| Mutual Fund Expense Calculator | This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating expenses on your 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 |
| 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. |
| 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. |
| Loan Prequalification Calculator | Use this calculator as your first step in determining your ability to qualify for a loan. |
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Mortgage |
| Adjustable Rate Mortgage Calculator | This calculator helps you to determine what your adjustable mortgage payments will be. |
| APR Calculator for Adjustable Rate Mortgages | Use this calculator to find the APR on your adjustable rate 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. |
| Bi-weekly Payments for an Existing Mortgage | This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments. |
| 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 Debt Consolidation | This calculator is designed to help determine whether using a mortgage to consolidate your debt is right 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 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. |
| 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 Interest Savings | Use this calculator to see how much interest you can save by refinancing your mortgage! |
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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! |
| 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. |
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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. |
| 72(t) Calculator | The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement. |
| 72(t) Distribution Impact | This calculator is designed to examine the affects of 72T distributions on your retirement plan balance. |
| Beneficiary Required Minimum Distributions | Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account. |
| How Important is Social Security? | Use this calculator to determine how losing this important retirement asset could affect you. |
| Pension Plan Retirement Options | Use this calculator to help decide between joint survivorship and single survivorship pension options. |
| 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. |
| Retirement Income | Use this calculator to determine how much monthly income your retirement savings may provide you in 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. |
| Retirement Planner with Retirement Earnings | Plan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay 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 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? |
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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. |
| Compounding and Your Return | This calculator demonstrates how compounding can affect your savings. |
| Credit Union Certificate Calculator | Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance. |
| 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. |
| Flexible Spending Account (FSA) Calculator | Use this calculator to see how participating in Flexible Spending Account (FSA) contributions can help you pay less tax, and increase your net take home pay. |
| 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. |
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