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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 the 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, Working Capital Needs, More...

Debt and Credit Cards
Cost-of-Debt Calculator, Credit Card Minimum Payment Calculator, Roll-Down Your Credit Card Debt!, Snowball Debt Elimination Calculator, 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 Account (HSA) Savings Calculator, Health Savings Account (HSA) vs. Traditional Health Plan, Health Savings Accounts (HSA) Employer Benefit, Long Term Care Calculator, More...

Investment
Annual Rate of Return Calculator, Asset Allocation Calculator, Compare Investment Fees, Investment Goal, Investment Property Calculator, Investment Returns, IRR Calculator, Municipal Bond Tax Equivalent Yield, Stock Option Calculator, Taxable vs. Tax Advantaged Investments, 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, Loan & Credit Line Payment, Loan Comparison Calculator, More...

Mortgage
Adjustable Rate Mortgage Calculator, ARM vs. Fixed Rate Mortgage, Balloon Mortgages, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Loan Calculator (PITI), Mortgage Points Calculator, Mortgage Qualifier, Mortgage Tax Savings Calculator, Rent vs. Buy, More...

Personal Finance
Home Budget Analysis, Net Worth, Should my spouse work?, Student Budget, More...

Retirement
401(k) Savings Calculator, 401(k) Spend It or Save It Calculator, How Important is Social Security?, Individual 401(k) Contribution Comparison, Individual 401(k) Savings Calculator, IRA Spend It or Save It Calculator, Required Minimum Distribution (RMD), Retirement Contribution Effects on Your Paycheck, Retirement Plan Withdrawal, Retirement Planner, Roth IRA Conversion, Roth vs. Traditional IRA, Social Security Benefits, More...

Savings
College Savings, Compare Savings Rates, Compound Interest and Your Return, Savings, Taxes, and Inflation, More...

Tax
1040 Tax Calculator (Tax Year 2007), Hourly Paycheck Calculator, Marginal Tax Rate Calculator 2011, Payroll Deductions 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.

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.
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


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.
Roll-Down Your Credit Card Debt!The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
Snowball Debt Elimination CalculatorThis Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule.
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 Account (HSA) Savings CalculatorUse 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 PlanCompare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
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.
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.

Investment


Annual Rate of Return CalculatorUse this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.
Asset Allocation CalculatorYour age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
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 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.
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.
Stock Option CalculatorUse this calculator to determine the value of your stock options for the next one to twenty five years.
Taxable vs. Tax Advantaged InvestmentsThis calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.

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!
Loan & Credit Line PaymentThis calculator helps determine your loan or credit line payment.
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.
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.
Balloon MortgagesA balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
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 Loan Calculator (PITI)Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage Points CalculatorShould you buy points? Use this calculator to find out.
Mortgage QualifierCan you buy your dream home? Find out just how much you can afford!
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?

Personal Finance


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.
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.
401(k) Spend It or Save It CalculatorThere 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.
How Important is Social Security?Use this calculator to determine how losing this important retirement asset could affect you.
Individual 401(k) Contribution ComparisonUse this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan options.
Individual 401(k) Savings CalculatorUse this calculator to see the benefits of an Individual 401(k) for the self-employed.
IRA Spend It or Save It CalculatorSpending your IRA before your retire can be a costly decision. See how taking your out IRA early could cost you thousands of dollars both in taxes and lost earnings.
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 Plan WithdrawalUse this calculator to see what your net withdrawal would be after taxes and penalties are taken into account.
Retirement PlannerQuickly determine if your retirement plan is on track - and learn how to keep it there.
Roth IRA ConversionThis calculator will show the advantage, if any, of converting your IRA to a Roth.
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.

Savings


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 Interest and Your ReturnThis calculator demonstrates how compounding can affect your savings.
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 Calculator (Tax Year 2007)Use this 1040 tax calculator to help estimate your tax bill using the 2007 tax year's rates and rules.
Hourly Paycheck CalculatorUse this calculator to help you determine your paycheck for hourly wages.
Marginal Tax Rate Calculator 2011Use this calculator to determine your marginal and effective tax rates for tax year 2011. This calculator sorts through the tax brackets and filing options to calculate your true tax liability.
Payroll Deductions CalculatorUse this calculator to help you determine the impact of changing your payroll deductions.

HomeFirm ProfileClient ServicesTax News and AlertsLinks to Other Tax ResourcesTax Calendar and FormsFinancial Tools and CalculatorsContact Us