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 the decision making process.
Auto
Auto Rebate vs. Low Interest Financing, Car Loan Calculator, Lease vs. Buy, Low Interest Financing Savings, More...
Business
Breakeven Analysis, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Commercial Loan Calculator, Equipment Buy vs. Lease, Financial Ratios, Profit Margin Calculator, Working Capital Needs, More...

Debt and Credit Cards
Accelerated Debt Payoff, Credit Card Minimum Payment Calculator, Credit Card Pay Off, How much do you owe?, Personal Debt Consolidation, Student Loan Consolidation and Debt Payoff, More...

Insurance
Comprehensive Life Insurance Analysis, Disability Insurance, Health Savings Accounts (HSA) Employer Benefit, Life Insurance Calculator, Long Term Care Calculator, More...

Investment
Annual Stock Option Grants, Asset Allocation Calculator, Compare Investment Fees, Future Contracts Calculator, Future Value Calculator, Internal Rate of Return (IRR) Calculator, Investment Distributions, Investment Goal, Investment Loan, Investment Property Calculator, Investment Questionnaire - Broad Portfolio, Investment Questionnaire - Cash, Fixed Income and Equities, Investment Returns, Investment Savings and Distributions, Lump Sum Annual Return Calculator, Lump Sum Future Value Calculator, Lump Sum Present Value Calculator, Municipal Bond Tax Equivalent Yield, Mutual Fund Expense Calculator, Stock Option Calculator, Taxable vs. Tax Deferred vs. Tax Free Investment, More...

Loan
Amortizing Loan Calculator, Balloon Loan Calculator, Enhanced Loan Calculator, Home Equity Line of Credit Calculator, Line of Credit Payoff, Loan & Credit Line Payment, Loan & Credit Line Tax Savings, Loan Comparison Calculator, Loan Prequalification Calculator, More...

Mortgage
Adjustable Rate Mortgage Calculator, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Balloon Mortgages, Bi-weekly Payment Calculator, Bi-weekly Payments for an Existing Mortgage, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Loan Calculator (PITI), Mortgage Qualifier, Mortgage Refinance Break Even, Mortgage Required Income, Mortgage Tax Savings Calculator, Rent vs. Buy, More...

Personal Finance
Checkbook Balancer, Credit Assessment, Home Budget Analysis, Net Worth, Student Budget, More...

Retirement
401(k) Calculator, 401(k) Savings with Profit Sharing, 401(k) Spend It or Save It Calculator, 403(b) Savings Calculator, 457 Plan Contribution Effects on Your Paycheck, 457 Plan Withdrawal, 457 Savings Calculator, 72(t) Calculator, 72(t) Distribution Impact, Beneficiary Required Minimum Distributions, Company Stock Distribution Analysis Calculator, How Important is Social Security?, How long will my retirement savings last?, Individual 401(k) Contribution Comparison, Individual 401(k) Savings Calculator, IRA Spend It or Save It Calculator, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Required Minimum Distribution (RMD) for Current Year, Retirement Account Contribution Accelerator, Retirement Contribution Effects on Your Paycheck, Retirement Income, Retirement Nestegg Calculator, Retirement Pension Planner, Retirement Plan Withdrawal, Retirement Planner, Retirement Shortfall, RMD & Stretch IRA Calculator, Roth 401(k) vs. Traditional 401(k), Roth 403(b) vs. Traditional 403(b), Roth IRA Calculator, Roth IRA Conversion, Roth IRA Conversion with Distributions, Roth IRA vs. Traditional IRA, Roth vs. Traditional 401(k) and your Paycheck, Should you Borrow From a 401(k) or 403(b)?, Social Security Benefits, Traditional IRA Calculator, More...

Savings
Benefit of Spending Less, CD Ladder Calculator, Certificate of Deposit Calculator, College Savings, Compare Savings Rates, Compound Savings Calculator, Compounding and Your Return, Cool Million, Credit Union Certificate Calculator, Credit Union Certificate Ladder Calculator, Don't Delay Your Savings!, Emergency Savings Calculator, Home Buyer Savings Calculator, Lunch Savings, Savings Distribution Calculator, Savings Goals, Savings, Taxes, and Inflation, Vice Savings, More...

Tax
1040 Tax Calculator, Earned Income Credit (EIC) Calculator, Flexible Spending Account (FSA) Calculator, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Self-Employment Tax Calculator, More...

Auto


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.
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.
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Business


Breakeven AnalysisFind out how many and what price you must sell your product at to make a profit.
Business Valuation - Discounted Cash FlowThis 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 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.
Profit Margin CalculatorThis calculator can help you determine the selling price for your products to achieve a desired profit margin.
Working Capital NeedsWorking 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


Accelerated Debt PayoffConsolidating 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.
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.
Credit Card Pay OffUse 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.
How much do you owe?Use this calculator as a starting point for your debt management plan.
Personal Debt ConsolidationShould you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
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 pay off your other outstanding debt.
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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.
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.
Life Insurance CalculatorFind out how much life insurance you really need!
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.
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Investment


Annual Stock Option GrantsUse this calculator to project how much a series of annual stock option grants could be worth to you.
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!
Future Contracts CalculatorUse this calculator to determine the number of futures contracts you may wish to purchase based on your account equity and trading plan.
Future Value CalculatorUse this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.
Internal Rate of Return (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.
Investment DistributionsThis calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out.
Investment GoalUse 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.
Investment LoanThis 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 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 Questionnaire - Broad PortfolioThe Investment Questionnaire is designed to help you create a balanced portfolio from a broad range of investment classes.
Investment Questionnaire - Cash, Fixed Income and EquitiesThis questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities.
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.
Investment Savings and DistributionsUse this calculator to see how long your investment savings can last once you begin taking distributions.
Lump Sum Annual Return CalculatorUse this calculator to determine the annual rate of return of known lump sum starting and ending amount.
Lump Sum Future Value CalculatorUse this calculator to determine the future value of a lump sum.
Lump Sum Present Value CalculatorUse this calculator to determine the present value of a future lump sum.
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.
Mutual Fund Expense CalculatorThis 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 CalculatorUse this calculator to determine the value of your stock options for the next one to twenty five years.
Taxable vs. Tax Deferred vs. Tax Free InvestmentThis calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.
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Loan


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.
Enhanced Loan CalculatorUse the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Home Equity Line of Credit CalculatorHow big of a home equity line of credit can you receive? Use this calculator to find out!
Line of Credit PayoffUse 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.
Loan & Credit Line PaymentThis calculator helps determine your loan or credit line payment.
Loan & Credit Line Tax SavingsThis calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Loan Comparison CalculatorUse this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
Loan Prequalification CalculatorUse this calculator as your first step in determining your ability to qualify for a loan.
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Mortgage


Adjustable Rate Mortgage CalculatorThis calculator helps you to determine what your adjustable mortgage payments will be.
ARM & Interest Only 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.
Bi-weekly Payment CalculatorUsing 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.
Bi-weekly Payments for an Existing MortgageThis calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
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 QualifierCan you buy your dream home? Find out just how much you can afford!
Mortgage Refinance Break EvenShould you refinance your mortgage? Use this calculator to determine when you will break even.
Mortgage Required IncomeUse this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
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?
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Personal Finance


Checkbook BalancerBalance your checkbook with this quick and easy calculator.
Credit AssessmentHow is your credit? Use this calculator for a quick assessment!
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.
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.
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Retirement


401(k) 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) Savings with Profit SharingUse this calculator to how a 401(k) with profit sharing plan can help you save for retirement..
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.
403(b) Savings CalculatorIf 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.
457 Plan Contribution Effects on Your PaycheckUse this calculator to see how increasing your contributions to a 457 plan can affect your paycheck as well as your retirement.
457 Plan WithdrawalUse this calculator to see what your net 457 plan withdrawal would be after taxes are taken into account.
457 Savings CalculatorA 457 plan 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.
72(t) CalculatorThe 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.
72(t) Distribution ImpactThis calculator is designed to examine the affects of 72T distributions on your retirement plan balance.
Beneficiary Required Minimum DistributionsUse this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Company Stock Distribution Analysis CalculatorIf you own company stock in a retirement plan you may be able to take advantage of using the long term capital gains tax rate rather than your ordinary income tax rate on this investment.
How Important is Social Security?Use this calculator to determine how losing this important retirement asset could affect you.
How long will my retirement savings last?Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.
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.
Pension Plan Retirement OptionsUse this calculator to help decide between joint survivorship and single survivorship pension 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 YearUse this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.
Retirement Account Contribution AcceleratorUse this calculator to see how increasing your contributions to qualified retirement plan help save for your retirement.
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 IncomeUse this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Nestegg CalculatorDo you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be.
Retirement Pension PlannerPlan your retirement with a company pension, find out if you are on track - and learn how to stay there.
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.
Retirement ShortfallRunning 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.
RMD & Stretch IRA CalculatorUse this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
Roth 401(k) vs. Traditional 401(k)Use this calculator to determine which 401(k) contribution type might be right for you.
Roth 403(b) vs. Traditional 403(b)Use this calculator to determine which 403(b) contribution type might be right for you
Roth IRA CalculatorUse this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA ConversionThis calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth IRA Conversion with DistributionsUse this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
Roth IRA vs. Traditional IRAUse this calculator to determine which IRA may be right for you.
Roth vs. Traditional 401(k) and your PaycheckSee how a Roth vs. Traditional 401(k) might affect your take home pay as well as your retirement savings.
Should you Borrow From a 401(k) or 403(b)?The majority of 401(k) plans and a growing number of 403(b) plans let you borrow money from your account. Use this calculator to help you determine if you should borrow, and the potential impact on your retirement savings.
Social Security BenefitsUse this calculator to estimate your Social Security benefits.
Traditional IRA CalculatorHow can contributing to a regular IRA help you in your retirement?
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Savings


Benefit of Spending LessReducing 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 CalculatorUse 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 CalculatorUse this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
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 Savings CalculatorFind out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Compounding and Your ReturnThis calculator demonstrates how compounding can affect your savings.
Cool MillionFind out when your savings plan may make you a millionaire!
Credit Union Certificate CalculatorUse 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.
Credit Union Certificate Ladder CalculatorUse this calculator to examine the benefits of investing in a series of Certificates with different maturities, also called a Certificate Ladder.
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 CalculatorThis calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Home Buyer Savings CalculatorUse this tool to help you calculate what it might take to save for your new house.
Lunch SavingsUse this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings Distribution CalculatorUse this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.
Savings GoalsWhat will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes, and InflationUse this calculator to determine how much your savings will be worth with these two important variables in mind.
Vice SavingsUse 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.
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Tax


1040 Tax CalculatorEnter 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.
Earned Income Credit (EIC) CalculatorUse this calculator to determine if you qualify for the Earned Income Credit and if so, how much it might be worth.
Flexible Spending Account (FSA) CalculatorUse 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.
Net to Gross Paycheck CalculatorDetermine the gross paycheck needed to provide a required net amount.
Payroll Deductions CalculatorUse this calculator to help you determine the impact of changing your payroll deductions.
Self-Employment Tax CalculatorIf you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2016.
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