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, Car Loan Calculator, Home Equity Loan vs. Auto loan, Lease vs. Buy, Low Interest Financing Savings, More...
Business
Breakeven Analysis, Business Debt Consolidation Calculator, Cash Flow Calculator, Commercial Loan Calculator, Equipment Buy vs. Lease, Financial Ratios, Inventory Analysis, Like Kind Exchange, Profit Margin Calculator, Working Capital Needs, More...

Debt and Credit Cards
Accelerated Debt Payoff, Cost-of-Debt Calculator, Home Equity Debt Consolidation, How much do you owe?, Personal Debt Consolidation, Roll-Down Your Credit Card Debt!, Student Loan Consolidation and Debt Payoff, More...

Insurance
Health Savings Account (HSA) Contribution Calculator, Life Insurance Calculator, Long Term Care Calculator, More...

Investment
Investment Questionnaire - Cash, Fixed Income and Equities, Personal Economic Recovery Calculator, More...

Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Balloon Loan Calculator, Debt Consolidation Calculator, Enhanced Loan Calculator, Existing Loan Calculator, Home Equity Line of Credit Calculator, Line of Credit Payoff, Loan & Credit Line Tax Savings, Loan Comparison Calculator, More...

Mortgage
Adjustable Rate Mortgage Calculator, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Fixed Rate Mortgage vs. Interest Only Mortgage, Mortgage APR Calculator, Mortgage Debt Consolidation, Mortgage Loan Calculator, Mortgage Refinance Break Even, Mortgage Tax Savings Calculator, Rent vs. Buy, More...

Personal Finance
Basic Calculator, Basic Financial Calculator, Checkbook Balancer, Credit Assessment, Home Budget Analysis, Net Worth, More...

Retirement
401(k) Calculator, Required Minimum Distribution (RMD), Required Minimum Distribution (RMD) for Current Year, Retirement Contribution Effects on Your Paycheck, Retirement Nestegg Calculator, Roth 401(k) vs. Traditional 401(k), Roth IRA vs. Traditional IRA, Social Security Benefits, More...

Savings
Benefit of Spending Less, CD Ladder Calculator, Certificate of Deposit Calculator, College Savings, Compare Savings Rates, Compound Savings Calculator, Compounding and Your Return, Don't Delay Your Savings!, Savings Goals, Savings, Taxes, and Inflation, More...

Tax
1040 Tax Calculator, Estate Tax Planning, Marginal Tax Rate Calculator, More...

Auto


Auto Loan Early PayoffFind out how much interest you can save by increasing your monthly auto loan payment.
Auto Rebate vs. Low Interest FinancingUse this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
Car Loan CalculatorDetermine 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 loanUse this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. BuyShould you lease your next automobile or finance it? Find out with this calculator!
Low Interest Financing SavingsLow, 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 AnalysisFind out how many and what price you must sell your product at to make a profit.
Business Debt Consolidation CalculatorShould your business consolidate its debt? Use this calculator to find out.
Cash Flow CalculatorHaving 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 CalculatorUse 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. LeaseShould you lease your equipment or finance it? Find out with this calculator!
Financial RatiosThis 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 AnalysisUse this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Like Kind ExchangeThis calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
Profit Margin CalculatorThis calculator can help you determine the selling price for your products to achieve a desired profit margin.
Working Capital NeedsWorking 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 PayoffConsolidating 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.
Cost-of-Debt CalculatorUse this calculator to see just how expensive paying interest on your debt can be.
Home Equity Debt ConsolidationThis calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
How much do you owe?Use this calculator as a starting point for your debt management plan.
Personal Debt ConsolidationShould 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 PayoffThe 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


Health Savings Account (HSA) Contribution CalculatorThis Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.
Life Insurance CalculatorFind out how much life insurance you really need!
Long Term Care CalculatorLong 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 Questionnaire - Cash, Fixed Income and EquitiesThis questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities.
Personal Economic Recovery CalculatorThis calculator can help you determine exactly what it might take to return your to your original investment balance.
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Loan


Alternative Payment FrequenciesUse this calculator to determine your payment or loan amount for different payment frequencies.
Amortizing Loan CalculatorEnter 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 CalculatorA 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 CalculatorShould you consolidate your debt? Use this calculator to find out.
Enhanced Loan CalculatorUse the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Existing Loan CalculatorUse this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining.
Home Equity Line of Credit CalculatorHow big of a home equity line of credit can you receive? Use this calculator to find out!
Line of Credit PayoffUse 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.
Loan & Credit Line Tax SavingsThis calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Loan Comparison CalculatorUse this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
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Mortgage


Adjustable Rate Mortgage CalculatorThis calculator helps you to determine what your adjustable mortgage payments will be.
ARM & Interest Only ARM vs. Fixed Rate MortgageUse 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 MortgageUse this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Mortgage APR CalculatorUse this calculator to find the APR on your mortgage.
Mortgage Debt ConsolidationThis calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
Mortgage Loan CalculatorUse this calculator to determine your monthly payment and amortization schedule.
Mortgage Refinance Break EvenShould you refinance your mortgage? Use this calculator to determine when you will break even.
Mortgage Tax Savings CalculatorInterest 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. BuyAre you better off buying your home, or should you continue to rent?
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Personal Finance


Basic CalculatorThis works just like a pocket calculator.
Basic Financial CalculatorThis 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 BalancerBalance your checkbook with this quick and easy calculator.
Credit AssessmentHow is your credit? Use this calculator for a quick assessment!
Home Budget AnalysisAnalyze your budget, see where your money goes and find out where you can improve!
Net WorthThis 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) CalculatorA 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.
Required Minimum Distribution (RMD) for Current YearUse this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.
Retirement Contribution Effects on Your PaycheckUse 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 Nestegg CalculatorDo you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be.
Roth 401(k) vs. Traditional 401(k)Use this calculator to determine which 401(k) contribution type might be right for you.
Roth IRA vs. Traditional IRAUse this calculator to determine which IRA may be right for you.
Social Security BenefitsUse this calculator to estimate your Social Security benefits.
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Savings


Benefit of Spending LessReducing 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 CalculatorUse this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.
Certificate of Deposit CalculatorUse this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College SavingsUse this calculator to help develop or fine tune your education savings plan.
Compare Savings RatesEven a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!
Compound Savings CalculatorFind out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Compounding and Your ReturnThis calculator demonstrates how compounding can affect your savings.
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 GoalsWhat will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes, and InflationUse 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 CalculatorEnter 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 PlanningKnowing 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 CalculatorUse 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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