Answers To Your Questions
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.
Financial Calculators
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. |
| Auto Refinance Interest Savings | Use this calculator to see how much interest you can save by refinancing your auto loan. |
| 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. |
| 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 |
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. |
| Cash Flow Calculator | Having 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 Calculator | Use 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 Coverage | This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions. |
| Should you lease your equipment or finance it? Find out with this calculator! | |
| 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. |
Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders. | |
| Like Kind Exchange | This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange. |
| Profit Margin Calculator | This calculator can help you determine the selling price for your products to achieve a desired profit margin. |
| Working Capital Needs |
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. |
| Home Equity Debt Consolidation Calculator | This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you. |
| Personal Debt Consolidation Calculator | Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. |
| Snowball Debt Elimination Calculator | |
| Student Loan Consolidation & Debt Payoff Calculator |
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) vs. Traditional Health Plan | Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. |
| 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. |
| 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. |
| Variable Annuity without Surrender Charges | How can a variable annuity help you save for retirement? Use this calculator to find out. |
Investment
| Annual Rate of Return Calculator | Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value. |
| 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. |
| Future Value Calculator | Use 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) Calculator | Use 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 Property Calculator | An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property. |
| 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. |
| Lump Sum Present Value Calculator | Use this calculator to determine the present value of a future lump sum. |
| Present Value Calculator | Use this calculator to determine the present value of a known final future value plus a stream of deposits. |
| Taxable vs. Tax Deferred vs. Tax Free Investment | This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment. |
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! |
| Debt Consolidation Calculator | Should you consolidate your debt? Use this calculator to find out. |
| Enhanced Loan Calculator | Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term. |
| Home Equity Line of Credit Calculator | How big of a home equity line of credit can you receive? Use this calculator to find out! |
| Loan Comparison Calculator | Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options. |
| Loan Prequalification Calculator | Use this calculator as your first step in determining your ability to qualify for a loan. |
Mortagage
| Adjustable Rate Mortgage Calculator | This calculator helps you to determine what your adjustable mortgage payments will be. |
| 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. |
| Bi-weekly Payment Calculator | Using 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. |
| 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 Debt Consolidation | This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you. |
| Mortgage Qualifier | Can you buy your dream home? Find out just how much you can afford! |
| Mortgage Refinance Break Even | Should you refinance your mortgage? Use this calculator to determine when you will break even. |
| Refinance Interest Savings | Use this calculator to see how much interest you can save by refinancing your mortgage! |
| Rent vs. Buy | Are you better off buying your home, or should you continue to rent? |
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. |
| 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) Calculator | A 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 Sharing | Use this calculator to how a 401(k) with profit sharing plan can help you save for 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. |
| 403(b) Savings Calculator | If 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: Roth vs. Pre-tax | Use this calculator to help determine whether a Roth or Pre-tax 457 might be best for you. |
| 72(t) Calculator | The 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 Impact | This calculator is designed to examine the affects of 72T distributions on your retirement plan balance. |
| Beneficiary Required Minimum Distributions | Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account. |
| 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. |
| Pension Plan Retirement Options | Use 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 Year | Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year. |
| Retirement Nestegg Calculator | Do 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 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. |
| Roth (after-tax) Account or Pre-Tax Account? | Starting in 2006, you may have the option to contribute to Roth account. Use this calculator to help determine which retirement plan option might be best for you. |
| Roth 401(k) vs. Traditional 401(k) | Use this calculator to determine which 401(k) contribution type might be right for you. |
| Roth IRA Conversion | This calculator will show the advantage, if any, of converting your IRA to a Roth. |
| Roth IRA vs. Traditional IRA | Use this calculator to determine which IRA may be right for you. |
| Social Security Benefits | Use this calculator to estimate your Social Security benefits. |
Savings
| College Savings | Use this calculator to help develop or fine tune your education savings plan. |
| 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 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. |
| Estate Tax Planning | Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability. |
| 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. |
| Self-Employment Tax Calculator | If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2019. |
Info Center
IRS Forms & Publication
Looking for a federal tax form? Browse this online tax forms library to find downloadable IRS forms. The forms are presented in PDF format and are acceptable for filing with the IRS. You may also choose from dozens of helpful tax publications developed by the IRS to help taxpayers have a better understanding of various tax issues. Available in PDF format, these publications are written in a plain language format geared specifically to taxpayers.
You must have Adobe Acrobat Reader to view the selected files.
Forms
| Forms | Revisions | Posted | Description |
|---|---|---|---|
| Loading data from server | |||
Publications
| Publications | Revisions | Posted | Description |
|---|---|---|---|
| Loading data from server | |||
