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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 your decision making process.

Auto
Auto Loan Calculator, Auto Rebate vs. Low Interest Financing, Home Equity Loan vs. Auto loan, Lease vs. Buy, More...
Business
Breakeven Analysis, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Commercial Loan Calculator, Debt Service Coverage, More...

Debt and Credit Cards
Credit Card Optimizer, Home Equity Debt Consolidation, Snowball Debt Elimination Calculator, More...

Insurance
Comprehensive Life Insurance Analysis, Disability Insurance, Fixed Annuity Calculator, Health Savings Account (HSA) Contribution Calculator, Health Savings Account (HSA) Goal Calculator, Health Savings Account (HSA) Savings Calculator, Health Savings Account (HSA) vs. Traditional Health Plan, Health Savings Accounts (HSA) Employer Benefit, Human Life Value, Immediate Annuity Calculator, Life Insurance Calculator, Long Term Care Calculator, Variable Annuity Calculator, More...

Investment
Annual Rate of Return Calculator, Annual Stock Option Grants, Asset Allocation Calculator, Compare Investment Fees, Future Contracts Calculator, Future Value Calculator, Investment Distributions, Investment Goal, Investment Loan, Investment Returns, Investment Savings and Distributions, IRR Calculator, Lump Sum Future Value Calculator, Lump Sum Present Value Calculator, Municipal Bond Tax Equivalent Yield, Mutual Fund Expense Calculator, Personal Economic Recovery Calculator, Present Value Calculator, Stock Option Calculator, Taxable vs. Tax Advantaged Investments, More...

Loan
Amortizing Loan Calculator, Balloon Loan Calculator, Existing Loan Calculator, More...

Mortgage
Adjustable Rate Mortgage Calculator, ARM vs. Fixed Rate Mortgage, Bi-weekly Payment Calculator, Bi-weekly Payments for an Existing Mortgage, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Debt Consolidation, Mortgage Loan Calculator, Mortgage Qualifier, Mortgage Required Income, Mortgage Tax Savings Calculator, Refinance Breakeven, Refinance Interest Savings, Rent vs. Buy, Reverse Mortgage Calculator, More...

Personal Finance
Basic Calculator, Basic Financial Calculator, Checkbook Balancer, Credit Assessment, Home Budget Analysis, Life Expectancy, Net Worth, Should my spouse work?, Student Budget, More...

Retirement
401(k) Savings Calculator, 401(k) Savings with Profit Sharing, 401(k) Spend It or Save It Calculator, 403(b) Savings Calculator, 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, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Required Minimum Distribution (RMD) for Current Year, 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 IRA Calculator, Roth IRA Conversion, Roth vs. Traditional 401(k), Roth vs. Traditional 401(k) and your Paycheck, Roth vs. Traditional IRA, Social Security Benefits, Traditional IRA Calculator, More...

Savings
College Savings, Cool Million, Savings, Taxes, and Inflation, More...

Tax
1040 Tax Calculator, 1040 Tax Calculator (Tax Year 2006), 1040 Tax Calculator (Tax Year 2007), 1040 Tax Calculator (Tax Year 2008), 1040 Tax Calculator (Tax Year 2009), 457 Payroll Deductions, Earned Income Credit (EIC) Calculator, Estate Tax Planning, Hourly Paycheck Calculator, Marginal Tax Rate Calculator, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Section 125 Cafeteria Plan, Self-Employment Tax 2010 Calculator, U.S. 1040EZ Tax Estimator, More...

Auto


Auto Loan CalculatorFind out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
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.
Home Equity Loan vs. Auto loanUse this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. BuyShould you lease your next automobile or finance it? Find out with this calculator!

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
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.
Debt Service CoverageThis tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.

Debt and Credit Cards


Credit Card OptimizerThe Credit Card Optimizer helps you determine the best distribution of your credit card debt.
Home Equity Debt ConsolidationThis calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
Snowball Debt Elimination CalculatorThis Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule.

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.
Fixed Annuity CalculatorA 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 CalculatorThis 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 CalculatorAre 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 CalculatorUse 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 PlanCompare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
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.
Human Life ValueOne 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 CalculatorEstimate what your monthly payments might be from an immediate annuity.
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.
Variable Annuity CalculatorHow can a variable annuity help you save for retirement? Use this calculator to find out.

Investment


Annual Rate of Return CalculatorUse this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.
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.
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
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 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.
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.
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.
Personal Economic Recovery CalculatorThis calculator can help you determine exactly what it might take to return your to your original investment balance.
Present Value CalculatorUse this calculator to determine the present value of a stream of deposits plus a known final future value.
Stock Option CalculatorUse this calculator to determine the value of your stock options for the next one to twenty five years.
Taxable vs. Tax Advantaged InvestmentsThis calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.

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

Mortgage


Adjustable Rate Mortgage CalculatorThis calculator helps you to determine what your adjustable mortgage payments will be.
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.
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 Debt ConsolidationThis calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
Mortgage Loan CalculatorUse this calculator to determine your monthly payment and amortization schedule.
Mortgage QualifierCan you buy your dream home? Find out just how much you can afford!
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.
Refinance BreakevenShould you refinance your mortgage? Use this calculator to determine when you will breakeven.
Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. BuyAre you better off buying your home, or should you continue to rent?
Reverse Mortgage CalculatorThis calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time.

Personal Finance


Basic CalculatorThis works just like a pocket calculator.
Basic Financial CalculatorThis 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 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!
Life ExpectancyThis 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 WorthThis 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 BudgetThis 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) Savings 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 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.
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 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 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 vs. Traditional 401(k)Use this calculator to help determine if a Roth or 401(k) might be best 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.
Roth vs. Traditional IRAUse this calculator to determine which IRA may be right for you.
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?

Savings


College SavingsUse this calculator to help develop or fine tune your education savings plan.
Cool MillionFind out when your savings plan may make you a millionaire!
Savings, Taxes, and InflationUse this calculator to determine how much your savings will be worth with these two important variables in mind.

Tax


1040 Tax CalculatorEnter your filing status, income, deductions and credits and we will estimate your total taxes for 2010. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April 2011. Please note that this calculator uses the 2010 preliminary tax tables subject to change by the IRS.
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.
1040 Tax Calculator (Tax Year 2008)Use this 1040 tax calculator to help estimate your tax bill using the 2008 tax year's rates and rules.
1040 Tax Calculator (Tax Year 2009)Use this 1040 tax calculator to help estimate your tax bill using the 2009 tax year's rates and rules.
457 Payroll DeductionsUse this calculator to help you determine the impact of changing your payroll deductions.
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.
Estate Tax PlanningKnowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability.
Hourly Paycheck CalculatorUse this calculator to help you determine your paycheck for hourly wages.
Marginal Tax Rate CalculatorUse 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 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.
Section 125 Cafeteria PlanUse this calculator to see how participating in your employer's Section 125 Cafeteria Plan can help you pay less tax, and increase your net take home pay.
Self-Employment Tax 2010 CalculatorIf you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes.
U.S. 1040EZ Tax EstimatorMany 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.
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