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 Loan Early Payoff, Auto Rebate vs. Low Interest Financing, Car Loan Calculator, Dealer Financing vs. Credit Union Financing, Home Equity Loan vs. Auto loan, Lease vs. Buy More...
clear
Business
Breakeven Analysis, Business Debt Consolidation Calculator, Business Valuation - Discounted Cash Flow, Financial Ratios, Inventory Analysis, Working Capital Needs More...

Debt and Credit Cards
Accelerated Debt Payoff, Consolidation Loan Investment Calculator, Cost-of-Debt Calculator, Credit Card Optimizer, Home Equity Debt Consolidation, How much do you owe?, Personal Debt Consolidation, Student Loan Consolidation and Debt Payoff More...
clear
Investment
Investment Returns, Lump Sum Annual Return Calculator, Lump Sum Future Value Calculator More...

Loan
Amortizing Loan Calculator, Balloon Loan Calculator, Enhanced Loan Calculator, Loan Comparison Calculator More...
clear
Mortgage
Adjustable Rate Mortgage Calculator, APR Calculator for Adjustable Rate Mortgages, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Blended Rate Mortgage Calculator, FHA Maximum Financing Calculator, Maximum Mortgage, Mortgage APR Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Refinance Break Even, Option ARM vs. Fixed Rate Mortgage, Rent vs. Buy More...

Personal Finance
Basic Financial Calculator, Credit Assessment, Home Budget Analysis, Net Worth, Should my spouse work?, Student Budget More...
clear
Retirement
IRA Spend It or Save It Calculator, Roth IRA Conversion with Distributions More...

Savings
College Savings, Compound Savings Calculator, Savings Goals More...
clear
Tax
Marginal Tax Rate Calculator, Net to Gross Paycheck Calculator, Payroll Deductions Calculator More...

Auto


Auto Loan Early Payoff Find out how much interest you can save by increasing your monthly auto loan payment.
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.
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!
< Back

Business


Breakeven Analysis Find out how many and what price you must sell your product at to make a profit.
Business Debt Consolidation Calculator Should your business consolidate its debt? Use this calculator to find out.
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.
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.
Inventory Analysis Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Working Capital Needs Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.
< Back

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 Optimizer The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
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.
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 pay off your other outstanding debt.
< Back

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.
Lump Sum Future Value Calculator Use this calculator to determine the future value of a lump sum.
< Back

Loan


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!
Balloon Loan Calculator A 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 Calculator Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Loan Comparison Calculator Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
< Back

Mortgage


Adjustable Rate Mortgage Calculator This calculator helps you to determine what your adjustable mortgage payments will be.
APR Calculator for Adjustable Rate Mortgages Use this calculator to find the APR on your adjustable rate mortgage.
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.
Blended Rate Mortgage Calculator This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of a home.
FHA Maximum Financing Calculator Use this calculator to determine your maximum FHA mortgage and cash needed for closing.
Maximum Mortgage Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage APR Calculator Use this calculator to find the APR on your mortgage.
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 Refinance Break Even Should you refinance your mortgage? Use this calculator to determine when you will break even.
Option ARM vs. Fixed Rate Mortgage Use this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
Rent vs. Buy Are you better off buying your home, or should you continue to rent?
< Back

Personal Finance


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.
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!
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.
< Back

Retirement


IRA Spend It or Save It Calculator Spending 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.
Roth IRA Conversion with Distributions Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
< Back

Savings


College Savings Use this calculator to help develop or fine tune your education savings plan.
Compound Savings Calculator Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Savings Goals What will it take to reach your savings goal? This financial calculator helps you find out.
< Back

Tax


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.
Net to Gross Paycheck Calculator Determine the gross paycheck needed to provide a required net amount.
Payroll Deductions Calculator Use this calculator to help you determine the impact of changing your payroll deductions.
< Back