- 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 Loan Early Payoff, Auto Rebate vs. Low Interest Financing, Bi-weekly Payments for an Auto Loan, Bi-weekly Payments for an Auto Loan with Fees, Car Loan Calculator, Dealer Financing vs. Credit Union Financing, Home Equity Loan vs. Auto loan, Lease vs. Buy, Low Interest Financing Savings More...

Breakeven Analysis, Business Debt Consolidation Calculator, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Commercial Loan Calculator, Equipment Buy vs. Lease, Financial Ratios, Inventory Analysis, Like Kind Exchange, Profit Margin Calculator, Repossession of Personal Property from a Deferred Payment Sale, Repossession of Personal Property from an Installment Payment Sale, Repossession of Real Property, Working Capital Needs More...

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, How much do you owe?, Personal Debt Consolidation, Roll-Down Your Credit Card Debt!, Student Loan Consolidation and Debt Payoff More...

Health Savings Account (HSA) Contribution Calculator, Health Savings Account (HSA) Goal Calculator, Health Savings Account (HSA) Savings Calculator, Health Savings Account (HSA) vs. Traditional Health Plan More...

Annual Stock Option Grants, Asset Allocation Calculator, Future Value Calculator, Investment Property Calculator, Lump Sum Annual Return Calculator, Lump Sum Future Value Calculator, Lump Sum Present Value Calculator, Municipal Bond Tax Equivalent Yield, Personal Economic Recovery Calculator, REIT Tax-Equivalent Distribution More...

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

Adjustable Rate Mortgage Calculator, APR Calculator for Adjustable Rate Mortgages, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Balloon Mortgages, Bi-weekly Payment Calculator, Bi-weekly Payments for an Existing Mortgage, Blended Rate Mortgage Calculator, FHA Maximum Financing Calculator, Fixed Rate Mortgage vs. Interest Only Mortgage, Fixed Rate Mortgage vs. LIBOR ARM, Interest Only ARM Calculator, Interest Only Mortgage Calculator, Maximum Mortgage, Mortgage APR Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Debt Consolidation, Mortgage Loan Calculator, Mortgage Loan Calculator (PITI), Mortgage Payoff, Mortgage Points Calculator, Mortgage Qualifier, Mortgage Refinance Break Even, Mortgage Required Income, Mortgage Tax Savings Calculator, Option ARM vs. Fixed Rate Mortgage, Refinance Interest Savings, Rent vs. Buy More...

401(k) Calculator, 401(k) Savings with Profit Sharing, 403(b) Savings Calculator, 457 Plan Withdrawal, 457 Savings Calculator, 72(t) Calculator, 72(t) Distribution Impact, Beneficiary Required Minimum Distributions, How long will my retirement savings last?, Individual 401(k) Contribution Comparison, Individual 401(k) Savings Calculator, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Required Minimum Distribution (RMD) for Current Year, Retirement Income, Retirement Planner with Retirement Earnings, Roth 401(k) vs. Traditional 401(k), Roth IRA Calculator, Roth IRA Conversion, Roth IRA vs. Traditional IRA, Roth vs. Traditional 401(k) and your Paycheck, Social Security Benefits, Traditional IRA Calculator More...

1040 Tax Calculator, Estate Tax Planning, Hourly Paycheck Calculator, Marginal Tax Rate Calculator, Net to Gross Paycheck Calculator, Self-Employment Tax Calculator More...

Auto

Auto Loan Early Payoff	Find out how much interest you can save by increasing your monthly auto loan payment.
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.
Bi-weekly Payments for an Auto Loan	This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
Bi-weekly Payments for an Auto Loan with Fees	This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
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.
Dealer Financing vs. Credit Union Financing	Use 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 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!
Low Interest Financing Savings	Low, 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 Analysis	Find out how many and what price you must sell your product at to make a profit.
Business Debt Consolidation Calculator	Should your business consolidate its debt? Use this calculator to find out.
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.
Inventory Analysis	Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Like Kind Exchange	This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
Profit Margin Calculator	This calculator can help you determine the selling price for your products to achieve a desired profit margin.
Repossession of Personal Property from a Deferred Payment Sale	If you have repossessed personal property from a deferred payment sale, you can this calculator to determine the gain or loss.
Repossession of Personal Property from an Installment Payment Sale	If you have repossessed personal property with installment payments, you can this calculator to determine the gain or loss.
Repossession of Real Property	If you have repossessed real property, you can this calculator to determine the gain or loss as well as its new basis.
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.
Cost-of-Debt Calculator	Use this calculator to see just how expensive paying interest on your debt can be.
Credit Card Minimum Payment Calculator	Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
Credit Card Optimizer	The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
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.
How much do you owe?	Use this calculator as a starting point for your debt management plan.
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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Investment

Annual Stock Option Grants	Use this calculator to project how much a series of annual stock option grants could be worth to you.
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.
Future Value Calculator	Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.
Investment Property Calculator	An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property.
Lump Sum Annual Return Calculator	Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.
Lump Sum Future Value Calculator	Use this calculator to determine the future value of a lump sum.
Lump Sum Present Value Calculator	Use this calculator to determine the present value of a future lump sum.
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.
Personal Economic Recovery Calculator	This calculator can help you determine exactly what it might take to return your to your original investment balance.
REIT Tax-Equivalent Distribution	This calculator shows a REIT's hypothetical yield and how ROC impacts tax equivalent yield.
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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.
Enhanced Loan Calculator	Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Equity Line of Credit Payments	What will my monthly payments be for an interest only equity line of credit?
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.
Home Equity Line of Credit Calculator	How big of a home equity line of credit can you receive? Use this calculator to find out!
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.
Loan & Credit Line Payment	This calculator helps determine your loan or credit line payment.
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.
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.
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.
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.
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.
Blended Rate Mortgage Calculator	This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of a home.
FHA Maximum Financing Calculator	Use this calculator to determine your maximum FHA mortgage and cash needed for closing.
Fixed Rate Mortgage vs. Interest Only Mortgage	Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Fixed Rate Mortgage vs. LIBOR ARM	Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
Interest Only ARM Calculator	Interest 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 Calculator	Use this calculator to generate an amortization schedule for an interest only mortgage.
Maximum Mortgage	Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
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 Required Income	Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
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!
Rent vs. Buy	Are you better off buying your home, or should you continue to rent?
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Retirement

401(k) 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.
401(k) Savings with Profit Sharing	Use this calculator to how a 401(k) with profit sharing plan can help you save for retirement..
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.
457 Plan Withdrawal	Use this calculator to see what your net 457 plan withdrawal would be after taxes are taken into account.
457 Savings Calculator	A 457 plan 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.
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 long will my retirement savings last?	Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.
Individual 401(k) Contribution Comparison	Use this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan options.
Individual 401(k) Savings Calculator	Use this calculator to see the benefits of an Individual 401(k) for the self-employed.
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.
Required Minimum Distribution (RMD) for Current Year	Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.
Retirement Income	Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
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.
Roth 401(k) vs. Traditional 401(k)	Use this calculator to determine which 401(k) contribution type might be right for you.
Roth IRA Calculator	Use this calculator to compare the Roth IRA to an ordinary taxable investment.
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.
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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