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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 the decision making process.
Auto
Auto Loan Early Payoff, Car Loan Calculator, Dealer Financing vs. Credit Union Financing, Home Equity Loan vs. Auto loan, Lease vs. Buy, More...
Business
Breakeven Analysis, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Commercial Loan Calculator, Equipment Buy vs. Lease, Financial Ratios, Like Kind Exchange, Net Operating Loss Carryback/Carryover, Working Capital Needs, More...

Debt and Credit Cards
Accelerated Debt Payoff, Consolidation Loan Investment Calculator, Cost-of-Debt Calculator, Credit Card Minimum Payment Calculator, Credit Card Optimizer, Credit Card Pay Off, Home Equity Debt Consolidation, Roll-Down Your Credit Card Debt!, Student Loan Consolidation and Debt Payoff, More...

Insurance
Comprehensive Life Insurance Analysis, Disability Insurance, Fixed Annuity Calculator, Health Savings Account (HSA) Contribution Calculator, Health Savings Accounts (HSA) Employer Benefit, Human Life Value, Life Insurance Calculator, More...

Investment
Compare Investment Fees, Investment Goal, Investment Loan, Investment Property Calculator, Investment Returns, IRR Calculator, Lump Sum Annual Return Calculator, Municipal Bond Tax Equivalent Yield, Mutual Fund Expense Calculator, Present Value Calculator, More...

Loan
Amortizing Loan Calculator, Balloon Loan Calculator, Existing Loan Calculator, Home Equity Line of Credit Calculator, Loan Comparison Calculator, More...

Mortgage
Adjustable Rate Mortgage Calculator, APR Calculator for Adjustable Rate Mortgages, ARM vs. Fixed Rate Mortgage, FHA Mortgage Loan Calculator, Fixed Rate Mortgage vs. Interest Only Mortgage, Interest Only ARM Calculator, Interest Only Mortgage Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Qualifier, Mortgage Required Income, Refinance Breakeven, Rent vs. Buy, More...

Personal Finance
Basic Calculator, Basic Financial Calculator, Checkbook Balancer, Credit Assessment, Home Budget Analysis, Life Expectancy, Net Worth, Should my spouse work?, Student Budget, More...

Retirement
401(k) Savings Calculator, How Important is Social Security?, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Retirement Contribution Effects on Your Paycheck, Retirement Income, Retirement Plan Withdrawal, Retirement Planner with Retirement Earnings, Roth IRA Calculator, Roth IRA Conversion, Roth vs. Traditional 401(k), Roth vs. Traditional IRA, Social Security Benefits, Traditional IRA Calculator, More...

Savings
Benefit of Spending Less, College Savings, Compound Interest and Your Return, Cool Million, Don't Delay Your Savings!, Emergency Savings Calculator, Lunch Savings, Savings Calculator, Savings Distribution Calculator, Savings Goals, Savings, Taxes, and Inflation, More...

Tax
1040 Tax Calculator, 1040 Tax Calculator (Tax Year 2009), Estate Tax Planning, Marginal Tax Rate Calculator (Tax Year 2010), Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Section 125 Cafeteria Plan, Self-Employment Taxes 2010 vs 2011, More...

Auto


Auto Loan Early PayoffFind out how much interest you can save by increasing your monthly auto loan payment.
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.
Dealer Financing vs. Credit Union FinancingUse 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 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!

Business


Breakeven AnalysisFind out how many and what price you must sell your product at to make a profit.
Business Valuation - Discounted Cash FlowThis tool calculates a business valuation based upon the discounted cash flow methodology
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.
Like Kind ExchangeThis calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
Net Operating Loss Carryback/CarryoverIf you are a sole proprietorship and have a NOL, use this calculator to determine the carryback/carryover of this loss to another tax year.
Working Capital NeedsWorking capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

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.
Consolidation Loan Investment CalculatorGetting 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 CalculatorUse this calculator to see just how expensive paying interest on your debt can be.
Credit Card Minimum Payment CalculatorUse this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
Credit Card OptimizerThe Credit Card Optimizer helps you determine the best distribution of your credit card debt.
Credit Card Pay OffUse 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 ConsolidationThis calculator is designed to help determine whether using your home equity to consolidate your debt 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 payoff your other outstanding debt.

Insurance


Comprehensive Life Insurance AnalysisHow much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out.
Disability InsuranceUse 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.
Fixed Annuity CalculatorA 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) Contribution CalculatorThis Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.
Health Savings Accounts (HSA) Employer BenefitThis calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees.
Human Life ValueOne of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earning.
Life Insurance CalculatorFind out how much life insurance you really need!

Investment


Compare Investment FeesEven a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy!
Investment GoalUse this calculator to see if your investment plan is on track to meet your investment goals
Investment LoanThis 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.
Investment Property CalculatorAn investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property.
Investment ReturnsThere 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.
IRR CalculatorUse 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.
Lump Sum Annual Return CalculatorUse this calculator to determine the annual rate of return of known lump sum starting and ending amount.
Municipal Bond Tax Equivalent YieldIncome 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 CalculatorThis 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.
Present Value CalculatorUse this calculator to determine the present value of a stream of deposits plus a known final future value.

Loan


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.
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!
Loan Comparison CalculatorUse this calculator to sort through the monthly payments, fees and other costs when comparing loan options.

Mortgage


Adjustable Rate Mortgage CalculatorThis calculator helps you to determine what your adjustable mortgage payments will be.
APR Calculator for Adjustable Rate MortgagesUse this calculator to find the APR on your adjustable rate mortgage.
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.
FHA Mortgage Loan CalculatorUse this calculator to determine your maximum FHA mortgage and cash needed for closing.
Fixed Rate Mortgage vs. Interest Only MortgageUse this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Interest Only ARM CalculatorInterest 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 CalculatorUse this calculator to generate an amortization schedule for an interest only mortgage.
Mortgage Comparison: 15 Years vs. 30 YearsUse this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Loan CalculatorUse this calculator to determine your monthly payment and amortization schedule.
Mortgage QualifierCan you buy your dream home? Find out just how much you can afford!
Mortgage Required IncomeUse this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
Refinance BreakevenShould you refinance your mortgage? Use this calculator to determine when you will breakeven.
Rent vs. BuyAre you better off buying your home, or should you continue to rent?

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!
Life ExpectancyThis 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 WorthThis 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 BudgetThis 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 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.
How Important is Social Security?Use this calculator to determine how losing this important retirement asset could affect you.
Pension Plan Retirement OptionsUse 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 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 IncomeUse this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Plan WithdrawalUse this calculator to see what your net withdrawal would be after taxes and penalties are taken into account.
Retirement Planner with Retirement EarningsPlan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there.
Roth IRA CalculatorUse this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA ConversionThis calculator will show the advantage, if any, of converting your IRA to a Roth.
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 IRAUse this calculator to determine which IRA may be right for you.
Social Security BenefitsUse this calculator to estimate your Social Security benefits.
Traditional IRA CalculatorHow can contributing to a regular IRA help you in your retirement?

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.
College SavingsUse this calculator to help develop or fine tune your education savings plan.
Compound Interest and Your ReturnThis calculator demonstrates how compounding can affect your savings.
Cool MillionFind out when your savings plan may make you a millionaire!
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.
Emergency Savings CalculatorThis calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Lunch SavingsUse this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings CalculatorFind out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Savings Distribution CalculatorUse this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.
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.

Tax


1040 Tax CalculatorEnter 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.
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 Calculator (Tax Year 2010)Use this calculator to determine your marginal and effective tax rates for tax year 2010.
Net to Gross Paycheck CalculatorDetermine the gross paycheck needed to provide a required net amount.
Payroll Deductions CalculatorUse this calculator to help you determine the impact of changing your payroll deductions.
Section 125 Cafeteria PlanUse this calculator to see how participating in your employer's Section 125 Cafeteria Plan can help you pay less tax, and increase your net take home pay.
Self-Employment Taxes 2010 vs 2011If you are self-employed, operate a farm or are a church employee you pay self-employment taxes. Use this calculator to determine how much your Self-employment taxes will decrease
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