Financial Tools and Calculators

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 Rebate vs. Low Interest Financing, Home Equity Loan vs. Auto loan, Lease vs. Buy More...
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Business
Breakeven Analysis, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Equipment Buy vs. Lease, Financial Ratios, Working Capital Needs More...

Debt and Credit Cards
Accelerated Debt Payoff, Consolidation Loan Investment Calculator, Credit Card Optimizer, Personal Debt Consolidation, Roll-Down Your Credit Card Debt!, Student Loan Consolidation and Debt Payoff More...
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Insurance
Comprehensive Life Insurance Analysis, Disability Insurance, Life Insurance Calculator, Long Term Care Calculator More...

Investment
Investment Returns, Taxable vs. Tax Deferred vs. Tax Free Investment More...
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Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Debt Consolidation Calculator, Enhanced Loan Calculator, Loan & Credit Line Tax Savings, Loan Comparison Calculator More...

Mortgage
ARM & Interest Only ARM vs. Fixed Rate Mortgage, Bi-weekly Payment Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Refinance Break Even, Mortgage Tax Savings Calculator, Rent vs. Buy, Reverse Mortgage Calculator More...
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Personal Finance
Credit Assessment, Home Budget Analysis, Net Worth More...

Retirement
Beneficiary Required Minimum Distributions, How Important is Social Security?, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Retirement Planner, Roth (after-tax) Account or Pre-Tax Account?, Roth 401(k) vs. Traditional 401(k), Roth IRA Conversion, Roth IRA vs. Traditional IRA, Roth vs. Traditional 401(k) and your Paycheck More...
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Savings
Benefit of Spending Less, College Savings, Cool Million, Emergency Savings Calculator, Lunch Savings, Savings Goals, Savings, Taxes, and Inflation More...

Tax
Estate Tax Planning, Flexible Spending Account (FSA) Calculator, Payroll Deductions Calculator More...
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Auto


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.
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.
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


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


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.
Disability Insurance Use this calculator to determine how much disability insurance you may need to cover expenses if you are unable to work due to illness or injury.
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


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.
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!
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.
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.
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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 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 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 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.
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.
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Personal Finance


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!
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


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 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 Conversion This calculator will show the advantage, if any, of converting your IRA to a Roth.
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.
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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.
College Savings Use this calculator to help develop or fine tune your education savings plan.
Cool Million Find out when your savings plan may make you a millionaire!
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.
Lunch Savings Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
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


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