Financial Tools

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Financial Tools



Are there financial questions that keep you up at night?

We are accounting professionals who can assist you in the right direction to properly answer them. The below interactive tools can give a starting point in your financial planning process.

Auto Loan Early PayoffCalculate how much interest will you save by increasing your monthly payments.

Auto Rebate vs. Low Interest Financing – Help determine the best option between taking a low interest rate or a manufacturer rebate.

Bi-weekly payment for an auto loan – Determine your savings by increasing your bi-weekly auto loan payments.

Car Loan Calculator – Estimate monthly payments that work for your budget.

Dealer vs Credit UnionDecide the best option between financial planning with a dealer or credit union.

Home Equity vs AutoChoose the better option between a home equity loan or an auto loan.

Lease vs. BuyCompare the numbers for your unique position.

Low Interest Financing Savings

Find a solid monthly rate for your next vehicle by using this calculator to get the best deal.

Break Even Effect – Analyze how many items at what price you must sell to profit.

Consolidate Business DebtShould you consolidate your business debt? Try this tool out to see.

Business Valuation – Find your NET present value by illustrating how changes in projected growth have made an impact.

Cash Flow Intake – Your business benefits from steady cash flow. Keep a strong hand on how much you’re bringing in.

Commercial LoanSee if you’re approved with a high debt service coverage.

Equipment Buy vs. LeaseShould you lease or buy equipment? Find out with this handy tool.

Financial RatiosHave some areas in your business that need some attention?

Inventory AnalysisDetermine just how much inventory you should put on hold.

Like Kind Exchange – calculates loss, gain and the basis for a LIKE KIND EXCHANGE.

Profit MarginFind the right selling price for your product to assure you achieve profit margin.

Repossession of Personal property from a deferred payment – Determine your gain or loss from a repossessed personal property with a deferred payment.

Repossession of Personal property from an installment payment – Determine your gain or loss from repossessed personal property with an installment payment.

Repossession of Real Estate Property – Calculate your loss or gain on a repossessed real estate property.

Working Capital NeedsCalculate your capital needs for the following year to keep your business on track.

Accelerated Debt PayoffDetermine how to increase your payments to eliminate your debt faster.

Consolidation Loan Investment Calculator – There’s more to consolidating your loan than just paying it off faster. Pay off debt and invest your savings.

Cost-of-Debt CalculatorThis tool can show you how expensive your interest can be on your debt.

Credit Card Minimum Payment – Need help figuring out how long it will take to payoff your debt with the minimal payments? Use the calculator.

Credit Card OptimizerDetermine how to disperse your credit card debt in the best possible way.

Credit Card PayoffSet goals in order to pay off your credit card debt.

Home Equity Debt ConsolidationWant to know if using your home equity to consolidate is right for you?

Calculate What You OweFigure out a starting point to begin your debt management strategy.

Personal Debt ConsolidationFigure out if debt consolidation is the perfect fit for you.

Roll-Down Your Credit Card DebtPay off your debt based on two simple principles.

Student Loan Consolidation & Debt Payoff – Consolidate your student loans while using your savings to pay off any other debt you may have.

Life Insurance Analysis – Do you know how much life insurance you need? This calculator will give you a detailed analysis.

Disability InsuranceUtilize this calculator to determine how much coverage you need to pay your expenses.

Fixed Annuity CalculatorDetermine  how a fixed annuity can help with your retirement plan.

Health Savings Account (HSA) Contribution – This calculator will break down what you have available to deposit in your HSA account.

HSA Goal – If you are using an HSA for retirement plan, this will provide a guideline for what you’ll need in order to hit your goals.

HSA Savings – Figure out how much your HSA will be worth over time.

HSA vs. Traditional Health Plan – Help determine what a better fit for you is in terms of having an HSA over a traditional health plan.

HSA Employment Benefit – Help estimate the value of a High Deductible health plan with HSA for your employees.

Human Life ValueGet a better understanding of your true value by determining your future earnings.

Immediate Annuity CalculatorFigure out your monthly payments with an immediate annuity plan.

Life Insurance Determine the exact amount of life insurance you need.

Long Term Care – If you are unable to perform the basic daily tasks to care for yourself, this calculator will help you prepare financially.

Valuable Annuity – See how a variable annuity can help you through retirement.

Annual Rate of ReturnCalculate the annual return of an initial amount, or deposits.

Annual Stock Option Grants – Determine the worth of several annual stock option grants.

Asset Allocation – In order to determine an available amount of stocks, bonds, and cash there are several factors that must be inputed.

Compare Investment Fees – Fees, big or small, all add up over time. Figure out what fees will have an impact on your investment plan.

Future Contracts – Figure out the number of future contracts you may want to purchase determined by your equity and trading plan.

Internal Rate of Return (IRR)Determine an IRR based on irregular payments and withdraws.

Investment DistributionsDetermine how long an investment can be distributed before it runs out.

Investment GoalStay on track of reaching your investment goals.

Investment LoanDetermine the benefits of utilizing a loan to purchase an investment or asset.

Investment Returns -Investments are more than just your annual rate. Figure out how inflation, taxes, and time can affect the bottom line.

Investment Savings & Distributions – See how long your investment savings will last after you begin to take distributions.

Municipal Bond Tax Equivalent Yield – Income received through a municipal bond payment is often exempt form federal and state taxes. Estimate the tax-equivalent yield (TEY) on a municipal bond.

Mutual Fund ExpenseGet help with analyzing the costs of buying shares in a mutual fund investment.

Personal Economic RecoveryFind out what it will take to get your investment back to its original balance.

REIT Tax- Equivalent Distribution – Determine the possible REIT’s yield and what the impact of ROC on the tax equivalent yield can be.

Stock OptionSee what your stock options are for the next 25 years.

Taxable vs Tax Deferred vs Tax Free Investment – Determine the comparisons and differences of a taxable, a tax deferred and a tax-free investment.

Alternative Payment FrequenciesDetermine different payment frequencies with your loan payment or amount.

Amortizing Loan – Give us your desired payment or loan amount.  We’ll calculate your loan amount and monthly payment.

Balloon LoanUse this tool to figure out if a balloon loan option is right for you.

Debt Consolidation Unsure about consolidating your debt? This tool can help you make that choice.

Enhance Loan – Instantly change your monthly payment, loan amount, interest rate, or term by using the interactive control bars.

Equity Line of Credit PaymentsFind out how much your monthly payments will be with an interest only equity line.

Existing Loan Analyze your existing loans by entering the remaining monthly payments you have remaining.

Home Equity Line of CreditDetermine the largest amount on a home equity line of credit you can receive.

Line of Credit Payoff – Figure out what it will take to pay off your credit and determine what you can do in order to meet your goals.

Loan & Credit Line PaymentDetermine your payment for a loan or credit line.

Loan & Credit Line Tax Savings – Using tax deductible interest payments, see how much you’ll save on your loans and credit lines.

Loan ComparisonCompare your loan options by sorting through the monthly payments, fees, and other costs.

Loan Pre-qualificationThis is the first step you’ll need to qualify for a loan.

Adjustable Rate Mortgage – Determine your adjustable mortgage payment.

APR Calculator for Adjustable Rate Mortgage – Determine the APR on your adjustable rate mortgage.

ARM & Interest Only ARM vs Fixed Rate MortgageSee what the difference is between a fixed rate mortgage and two types of ARMs -Fully Amortized and Interest Only.

Balloon Mortgages – See if a balloon mortgage is a viable option for you.

Bi-weekly Payment – Increase your mortgage payoff and save on interest by utilizing a bi-weekly payment plan.

Bi-weekly Payments for Existing Mortgage – Find out how much you can save by switching to a bi-weekly payment plan on your existing mortgage.

Blended Rate Mortgage – Thinking of using a first and second mortgage to finance your home? Determine the blended interest rate amount you will pay.

FHA Maximum Financing – See how much you can receive on an FHA mortgage and cash for closing.

Fixed Rate Mortgage vs Interest Only Mortgage – Know the difference between a fixed rate vs an interest only mortgage.

Fixed Rate Mortgage vs LIBOR ARM – Know the difference between a fixed rate mortgage versus a LIBOR ARM.

Interest Only ARM Calculator – Choosing an interest only mortgage will provide you with lower payments but you won’t be paying off any principal amounts.

Interest Only Mortgage Calculator – Determine an amortization schedule for an interest only mortgage.

Maximum Mortgage – Figure out your maximum mortgage and see how different interest rates can affect the amount you borrow.

Mortgage APR – Determine the APR on your mortgage.

Mortgage Comparison: 15 vs 30 years – Determine which term is the best for you.

Mortgage Debt Consolidation – Is using a mortgage to consolidate your debt the best option for you?

Mortgage Loan Calculator – Calculate your monthly payment and schedule.

Mortgage Loan Calculator (PITI) – Calculate your monthly mortgage principal, interest, taxes and insurance payment.

Mortgage Payoff – Increase your monthly payment to save on your interest.

Mortgage Points Calculator – Figure out if purchasing points is the right move for you.

Mortgage Qualifier – Determine how much you can afford.

Mortgage Refinance Break Even – Want to know when you’ll break even? Determine if you should refinance your mortgage.

Mortgage Required Income – Based on your income now, can you get qualified for a mortgage?

Mortgage Tax Savings Calculator – Determine the amount you could save on your income taxes.

Option ARM vs Fixed Rate Mortgage – Determine your monthly savings with an Option ARM.

Refinance Interest Savings – Figure out what your savings will be if you refinance.

Rent vs Buy – No sure if you should rent or buy?

Reverse Mortgage Calculator – See how rapidly the outstanding balance of a reverse mortgage can grow over time.

Basic CalculatorSimilar to a normal calculator

Basic Financial CalculatorCalculate current value, future value, and number of payments.

Checkbook BalancerKeep your account on budget.

Credit AssessmentDo you know your credit score?

Home Budget Analysis – Find out where your money is placed and work on areas where you can improve.

Life Expectancy – Based on your age and life habits, figure out your life expectancy.

Net WorthDetermine how much you’re worth.

Should My Spouse Work – What’s the impact of having one or two incomes?

Student Budget – Understand your expenses and income while being a student.

401(k) CalculatorCalculate why investing in a 401(k) might be the best option for your retirement plan.

401(k) Savings with a Profit SharingSee how profit showing with a 401(k) can help you save for retirement.

401(k) Spend It or Save It CalculatorDetermine the right choice when leaving an employer. The wrong choice could cost you thousands.

403(b) Savings CalculatorDo you work for a non-profit organization? See how this could help secure your retirement plan.

457 Savings CalculatorDetermine if this is one of the retirement plans you just can not pass up on.

72(t) CalculatorSee how this could potentially help fund your early retirement.

72(t) Distribution Impact – Determine how distributions of 72(t) can affect your retirement plan.

Beneficiary Required Minimum Distribution – Figure out the minimum distributions as a beneficiary.

Company Stock Distribution Analysis Calculator – Do you own company stocks in a retirement plan? See what advantages you can be taking.

How Important is Social Security – How does losing Social Security affect your in the long run?

Individual 401(k) Contribution Comparison – Find out your maximum 401(k) compared to other plans.

Individual 401(k) Savings Calculator – Determine what benefits you could receive as a self-employed individual.

IRA Spend It or Save It Calculator – Before you decide to spend your IRA before retirement, check out how much you could be losing out on.

Pension Plan Retirement Options – Determine the best option between joint survivorship and singe survivorship.

Required Minimum Distribution (RMD) – As an owner of a retirement account, determine your minimum amount distribution along with potential future years.

Required Minimum Distribution (RMD) for Current Year – Determine the current year’s RMD.

Retirement Contribution Effects on Your Paycheck – See how your paycheck and retirement can be affected by increasing your 401(k), 403(b), or 457.

Retirement Income – Calculate how much your retirement savings can provide each month.

Retirement Nestegg – Do you know how much you need to save for your secure retirement?

Retirement Pension Plan – See how you’re staying on track with your company’s pension plan.

Retirement Plan Withdraw – Calculate what you’r withdraw should be after taxes and penalties.

Retirement Planner – Make sure your retirement plan is staying on track.

Retirement Planner with Retirement Earnings – Secure your retirement by utilizing a company’s pension plan.

Retirement Shortfall – The biggest concern about retirement is spending too much too fast. Find any potential shortfalls in your retirement plan.

RMD & Stretch IRA Calculator – Stretch out your retirement plan as long as possible.

Roth 401(k) vs Traditional 401(k) – Determine what contribution is the right fit for your plan.

Roth IRA Conversion – Determine any possible advantages from converting your IRA to a Roth.

Roth IRA CalculatorCompare an ordinary taxable investment to a Roth IRA.

Roth vs Traditional 401(k) and your Paycheck – Calculate the difference of your take home pay between a Roth vs. Traditional 401(k).

Social Security Benefits – Determine the benefits of your Social Security.

Traditional IRA Calculator – Do you know how a regular IRA can help you with your retirement plan?

Benefit of Spending Less – Determine how your budget reductions can be worth more in the longterm.

CD Ladder Calculator – Investing in Certificates of Deposits can be highly beneficial.

Certificate of Deposit Calculator – Determine how much interest can be earned through a CD.

College Savings – Need assistance on developing a college savings plan or tighten up your existing on.

Compare Savings Rates – Examine how different savings rates can end up increasing your savings plan.

Compound Savings Calculate – Affect your accumulated wealth by investing more consistently over time.

Compounding and Your Return – See how compounding has an affect on your savings.

Cool Million – Who wants to be a Millionaire?

Credit Union Certified Calculator – Determine how much your Annual Percentage yield (APY) and ending balance can be earned on a certificate.

Don’t Delay Your Savings – Thinking about waiting to start your savings plan? See how much it could potentially cost you.

Emergency Savings Calculator – Calculate just how much emergency savings you will need.

Home Buyer Savings Calculator – Determine how much you will need to save up for that new house.

Lunch Savings – See how much you can save just by bringing your lunch to work.

Savings Distribution Calculator – Calculate your savings balance after several monthly, quarterly and annual withdrawal.

Savings Goals – Do you know what steps to take to hit your savings goal?

Savings, Taxes, and Inflation – See how much your savings will be worth after these variables are in place.

1040 Tax Calculator – Determine your total tax and tax return, based on your yearly withholdings.

457 Payroll Deductions – Figure out the effects of changing your payroll deductions.

Earned Income Credit (EIC) Calculator – Do you know if you qualify for the Earned Income Credit?

Estate Tax Planning – Find out your estate tax liability to begin your planning strategy.

Flexible Spending Account (FSA) Calculator – Want to pay less taxes and increase your take home net pay?

Hourly Paycheck Calculator – Breakdown your paycheck for hourly wages.

Marginal Tax Rate – Determine your filing options to calculate your marginal and effective tax rates.

Net to Gross Paycheck Calculator – Calculate gross pay in order to provide the net amount.

Payroll Deductions Calculator – Figure out the affect of chaining your payroll deductions.

Self-Employment Tax Calculator – Calculate your taxes for the current year as self-employed.

U.S. 1040EZ Tax Form Calculator – Majority of people are eligible to use the more condensed filing form.