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.
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Auto |
| 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. |
| 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. |
| 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. |
Business |
| 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. |
| Profit Margin Calculator | This calculator can help you determine the selling price for your products to achieve a desired profit margin. |
| Working Capital Needs | Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year. |
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 payoff your other outstanding debt. |
Insurance |
| Comprehensive Life Insurance Analysis | How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out. |
| 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. |
| Fixed Annuity Calculator | 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. |
| 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. |
| Health Savings Account (HSA) vs. Traditional Health Plan | Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. |
| Health Savings Accounts (HSA) Employer Benefit | This calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees. |
| Human Life Value | One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earning. |
| Immediate Annuity Calculator | Estimate what your monthly payments might be from an immediate annuity. |
| 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. |
| Variable Annuity Calculator | How can a variable annuity help you save for retirement? Use this calculator to find out. |
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. |
| Compare Investment Fees | Even 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! |
| Future Contracts Calculator | Use this calculator to determine the number of futures contracts you may wish to purchase based on your account equity and trading plan. |
| Investment Distributions | This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out. |
| Investment Goal | Use this calculator to see if your investment plan is on track to meet your investment goals |
| Investment Loan | 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. |
| 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. |
| Investment Savings and Distributions | Use this calculator to see how long your investment savings can last once you begin taking distributions. |
| 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. |
| Mutual Fund Expense Calculator | 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. |
| Stock Option Calculator | Use this calculator to determine the value of your stock options for the next one to twenty five years. |
| Taxable vs. Tax Advantaged Investments | This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment. |
Loan |
| Debt Consolidation Calculator | Should you consolidate your debt? Use this calculator to find out. |
| Loan Prequalification Calculator | Use this calculator as your first step in determining your ability to qualify for a loan. |
Mortgage |
| FHA Mortgage Loan Calculator | Use this calculator to determine your maximum FHA mortgage and cash needed for closing. |
| 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 Payoff | Save thousands of dollars in interest by increasing your monthly mortgage payment. |
Personal Finance |
| Basic Calculator | This works just like a pocket calculator. |
| Basic Financial 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. |
| Checkbook Balancer | Balance your checkbook with this quick and easy calculator. |
| Credit Assessment | How is your credit? Use this calculator for a quick assessment! |
| Home Budget Analysis | Analyze your budget, see where your money goes and find out where you can improve! |
| 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. |
| Student Budget | This 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) 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. |
| 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. |
| Individual 401(k) Savings Calculator | Use this calculator to see the benefits of an Individual 401(k) for the self-employed. |
| 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. |
| 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. |
| Retirement Shortfall | 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. |
| Social Security Benefits | Use this calculator to estimate your Social Security benefits. |
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. |
| CD Ladder Calculator | Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder. |
| 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. |
| Compare Savings Rates | Even 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 Return | This calculator demonstrates how compounding can affect your savings. |
| Cool Million | Find out when your savings plan may make you a millionaire! |
| Credit Union Certificate Calculator | Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance. |
| Don't Delay 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. |
| 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 Calculator | Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth. |
| Savings Distribution Calculator | Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals. |
| 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. |
Tax |
| 1040 Tax Calculator | Enter your filing status, income, deductions and credits and we will estimate your total taxes for 2012. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April 2013. |
| 1040 Tax Calculator (Tax Year 2006) | Use this 1040 tax calculator to help estimate your tax bill using the 2006 tax year's rates and rules. |
| 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. |
| Earned Income Credit (EIC) Calculator | Use this calculator to determine if you qualify for the Earned Income Credit and if so, how much it might be worth. |
| Hourly Paycheck Calculator | Use this calculator to help you determine your paycheck for hourly wages. |
| 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. |
| 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. |