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, Car Loan Calculator, 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, Like Kind Exchange, Working Capital Needs More...

Debt and Credit Cards
Credit Card Pay Off More...
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Insurance
Disability Insurance, Health Savings Account (HSA) Contribution Calculator, Health Savings Account (HSA) Goal Calculator, Health Savings Account (HSA) Savings Calculator, Life Insurance Calculator, Long Term Care Calculator More...

Investment
Investment Returns, Lump Sum Annual Return Calculator, Municipal Bond Tax Equivalent Yield, Stock Option Calculator More...
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Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Debt Consolidation Calculator, Enhanced Loan Calculator, Loan & Credit Line Payment, Loan Comparison Calculator More...

Mortgage
Adjustable Rate Mortgage Calculator, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Bi-weekly Payment Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Points Calculator, Mortgage Qualifier, Mortgage Refinance Break Even, Refinance Interest Savings, Rent vs. Buy More...
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Personal Finance
Credit Assessment, Life Expectancy, Net Worth, Should my spouse work? More...

Retirement
401(k) Calculator, 401(k) Spend It or Save It Calculator, 403(b) Savings Calculator, 72(t) Calculator, Beneficiary Required Minimum Distributions, How Important is Social Security?, Individual 401(k) Contribution Comparison, Required Minimum Distribution (RMD), Required Minimum Distribution (RMD) for Current Year, Retirement Account Contribution Accelerator, Retirement Pension Planner, Retirement Planner, RMD & Stretch IRA Calculator, Roth IRA Calculator, Roth IRA Conversion, Roth IRA vs. Traditional IRA, Social Security Benefits, Traditional IRA Calculator More...
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Savings
Benefit of Spending Less, Certificate of Deposit Calculator, College Savings, Cool Million, Credit Union Certificate Ladder Calculator, Emergency Savings Calculator, Lunch Savings, Savings Goals, Savings, Taxes, and Inflation More...

Tax
1040 Tax Calculator, Estate Tax Planning, Marginal Tax Rate Calculator, Payroll Deductions Calculator, Self-Employment Tax Calculator, U.S. 1040EZ Tax Form Calculator More...
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Auto


Auto Loan Early Payoff Find out how much interest you can save by increasing your monthly auto loan payment.
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.
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.
Like Kind Exchange This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
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


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.
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Insurance


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.
Health Savings Account (HSA) Contribution Calculator This 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) Goal Calculator Are you looking at the Health Savings Account (HSA) as a retirement account? This calculator will help you determine what you need to do in order to reach your goal.
Health Savings Account (HSA) Savings Calculator Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time.
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.
Lump Sum Annual Return Calculator Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.
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.
Stock Option Calculator Use this calculator to determine the value of your stock options for the next one to twenty five years.
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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 Payment This calculator helps determine your loan or credit line payment.
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


Adjustable Rate Mortgage Calculator This calculator helps you to determine what your adjustable mortgage payments will be.
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 Loan Calculator Use this calculator to determine your monthly payment 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.
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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Personal Finance


Credit Assessment How is your credit? Use this calculator for a quick assessment!
Life Expectancy This 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 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.
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.
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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) Spend It or Save It Calculator There 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.
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.
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.
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.
Individual 401(k) Contribution Comparison Use this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan 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 Account Contribution Accelerator Use this calculator to see how increasing your contributions to qualified retirement plan help save for your retirement.
Retirement Pension Planner Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement Planner Quickly determine if your retirement plan is on track - and learn how to keep it there.
RMD & Stretch IRA Calculator Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
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.
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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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.
Certificate of Deposit Calculator Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
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!
Credit Union Certificate Ladder Calculator Use this calculator to examine the benefits of investing in a series of Certificates with different maturities, also called a Certificate Ladder.
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


1040 Tax Calculator Enter 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 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.
Marginal Tax Rate Calculator Use 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.
Payroll Deductions Calculator Use this calculator to help you determine the impact of changing your payroll deductions.
Self-Employment Tax Calculator If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2019.
U.S. 1040EZ Tax Form Calculator Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.
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