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Calculators

For your convenience, we are providing several on-line calculators to assist you in your financial planning. Following the links below or using the navigational buttons on the left will take you to your choice.

Auto Calculators

  • Auto Loan Early Payoff - Find out how much interest you can save by increasing your monthly auto loan payment.
  • Auto Loans - Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
  • Lease vs. Buy - Should you lease your next automobile or finance it? Find out with this calculator!

Business Calculators

  • Business Valuation - Enter your cash flow information, your cost of capital and your growth rate to determine your business NPV valuation.
  • 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.
  • Financial Ratios - This calculator help you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
  • Working Capital Needs - Working capital is essential to running your business. This calculator assists you in determining your working capital needs for the next year.

Credit Cards and Debt Management

  • 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.
  • Credit Card Payoff - Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.
  • Personal Debt Consolidation - Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

Investment Calculators

  • Asset Allocator - Your age, ability to tolerate risk, and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
  • 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.

Loan Calculators

  • 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!
  • Enhanced Loan Calculator - Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
  • Line of Credit - Use this calculator to determine how big a line of credit you can receive based on the value of your home.
  • Loan & Credit Line Payments - This calculator helps determine your loan or line payment.
  • Loan Comparison Calculator - Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

Tax Calculators

  • Marginal Tax Calculator - Use this calculator to determine your marginal and effective tax rates for 2007. This calculator sorts through the tax brackets and filing options to calculate your true tax liability.
  • U.S. 1040 Tax Estimator - How much tax will you pay in 2008? Use this 1040 tax calculator to help determine your tax bill for 2008.
  • U.S. 1040EZ Tax Estimator - 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 for 2008.

 

Mortgage Calculators

  • Mortgage 15 vs 30 - Which is better for you a 15 year mortgage or a 30 year mortgage? Use this calculator help you decide.
  • Mortgage 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 Qualifier - Can you buy your dream home? Find out just how much you can afford!
  • Mortgage Tax Savings Calculator - Interest 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 Breakeven - Use this calculator to see how much interest you can save if you refinance your mortgage.

Personal Finance

  • Checkbook Balancer - Balance your checkbook with this quick and easy calculator.
  • Disability Calculator - Use this calculator to determine your disability insurance needs.
  • Home Budget Analyzer! - Analyze your budget, see where your money goes and find out where you can improve!
  • Life Insurance Calculator - How much life insurance do you really need? Find out here!
  • Net Worth Calculator - This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

Retirement Savings and Planning

  • 401(k) Savings 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 can not afford to pass up.
  • How important is Social Security? - Use this calculator to determine how losing this important retirement asset could affect you.
  • Retirement Income Calculator - Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
  • Retirement Planner - Quickly determine if your retirement plan is on track - and learn how to keep it there.
  • Retirement Shortfall Calculator - This calculator helps you determine your projected short fall or surplus at retirement. If your results project a short fall, you might need to save more, earn a better rate of return, or possibly delay your retirement.
  • Roth IRA Transfer - This calculator will show the advantage, if any, of rolling over your IRA to a Roth.
  • Roth vs Traditional IRA - Which is better: a Roth IRA or a Traditional IRA?

Savings Calculators

  • College Savings Plan - Use this calculator to help develop or fine tune your education savings plan.
  • Compound Interest - This calculator demonstrates how compounding can affect your savings.
  • 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 Calculator - 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 Goals - What will it take to reach your savings goal? This financial calculator helps you find out.
  • Savings, Taxes and Inflation - The value of your savings can be affected by both inflation and taxes. Use this calculator to determine how much your savings will be worth with these two important variables in mind.