# Financial Tools

Should I refinance my mortgage? How much do I need to save for my child's college education? Is it better for me to lease or purchase a vehicle? 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.

### Financial Calculators

Find out how much interest you can save by increasing your monthly auto loan payment.

Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.

Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.

Should you lease your next automobile or finance it? Find out with this calculator!

Find out how many and what price you must sell your product at to make a profit.

Should your business consolidate its debt? Use this calculator to find out.

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.

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.

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.

Should you lease your equipment or finance it? Find out with this calculator!

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.

Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.

This calculator can help you determine the selling price for your products to achieve a desired profit margin.

Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

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.

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.

Use this calculator to see just how expensive paying interest on your debt can be.

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.

Use this calculator as a starting point for your debt management plan.

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.

How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out.

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.

A fixed annuity can provide a secure, tax-deferred investment. Use this calculator to see how a fixed annuity might fit into your retirement plan.

This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.

Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time.

Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.

Find out how much life insurance you really need!

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.

How can a variable annuity help you save for retirement? Use this calculator to find out.

Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.

Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.

Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.

Use this calculator to see if your investment plan is on track to meet your investment goals - and receive suggestions on how to change it if you are falling short.

This 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.

An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property.

This questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities.

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.

Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.

Use this calculator to determine the future value of a lump sum.

Use this calculator to determine the present value of a future lump sum.

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.

This 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.

Use this calculator to determine the present value of a known final future value plus a stream of deposits.

This calculator shows a REIT's hypothetical yield and how ROC impacts tax equivalent yield.

Use this calculator to determine the value of your stock options for the next one to twenty five years.

This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.

Use this calculator to determine your payment or loan amount for different payment frequencies.

Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!

A balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you.

Should you consolidate your debt? Use this calculator to find out.

Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.

What will my monthly payments be for an interest only equity line of credit?

Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining.

How big of a home equity line of credit can you receive? Use this calculator to find out!

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.

This calculator helps determine your loan or credit line payment.

This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.

Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.

Use this calculator as your first step in determining your ability to qualify for a loan.

This calculator helps you to determine what your adjustable mortgage payments will be.

Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

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.

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.

Use this calculator to generate an amortization schedule for an interest only mortgage.

Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.

Use this calculator to find the APR on your mortgage.

Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.

Use this calculator to determine your monthly payment and amortization schedule.

Save thousands of dollars in interest by increasing your monthly mortgage payment.

Should you buy points? Use this calculator to find out.

Can you buy your dream home? Find out just how much you can afford!

Should you refinance your mortgage? Use this calculator to determine when you will break even.

Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.

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.

Use this calculator to see how much interest you can save by refinancing your mortgage!

Are you better off buying your home, or should you continue to rent?

This works just like a pocket calculator.

This works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.

Balance your checkbook with this quick and easy calculator.

How is your credit? Use this calculator for a quick assessment!

Analyze your budget, see where your money goes and find out where you can improve!

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.

This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

This calculator is designed to help you see the financial impact of having either one or two incomes for your household.

This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

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.

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.

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.

This calculator is designed to examine the affects of 72T distributions on your retirement plan balance.

Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.

Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.

Use this calculator to help decide between joint survivorship and single survivorship pension options.

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.

Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.

Use this calculator to see how increasing your contributions to qualified retirement plan help save for your retirement.

Use 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.

Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.

Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be.

Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.

Quickly determine if your retirement plan is on track - and learn how to keep it there.

Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.

Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.

Use this calculator to compare the Roth IRA to an ordinary taxable investment.

This calculator will show the advantage, if any, of converting your IRA to a Roth.

Use this calculator to determine which IRA may be right for you.

Use this calculator to estimate your Social Security benefits.

How can contributing to a regular IRA help you in your retirement?

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.

Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.

Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).

Use this calculator to help develop or fine tune your education savings plan.

Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

This calculator demonstrates how compounding can affect 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.

This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.

Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.

Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.

What will it take to reach your savings goal? This financial calculator helps you find out.

Use this calculator to determine how much your savings will be worth with these two important variables in mind.

Use this calculator to see how a simple changes in your spending habits for common vices such as smoking, drinking or even eating out can really add up.

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.

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.

Use this calculator to see how participating in Flexible Spending Account (FSA) contributions can help you pay less tax, and increase your net take home pay.

Use this calculator to help you determine your paycheck for hourly wages.

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.

Determine the gross paycheck needed to provide a required net amount.

Use this calculator to help you determine the impact of changing your payroll deductions.

If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for the current tax year.

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.