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

Use this calculator to see how much interest you can save by refinancing your auto loan.
Auto Refinance Interest Calculator

BUSINESS

This calculator estimates your debt service coverage with a new loan. If your coverage is high enough, you could be approved.

Commercial Loan Calculator

This tool calculates debt service and illustrates how debt service coverage ratios are impacted by income and capital assumptions.

Debt Services Calculator

This helpful calculator will help you determine whether it is better for you to lease your equipment or for you to finance it.

Equipment Buy vs. Lease

This calculator zeros in on areas of your business that may need attention, such as solvency, liquidity, operational efficiency and profitability.

Financial Ratios

DEBIT & CREDIT

This Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule.
Snowball Debt Elimination Calculator

INSURANCE

How can a variable annuity help you save for retirement? Use this calculator to find out.

Variable Annuity without Surrender Charges

INVESTMENT

Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.

Ann. Rate of Return Calculator

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

Asset Allocation Calculator

Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.

Future Value Calculator

This feature determines an Internal Rate of Return (IRR) by annually calculating an irregular stream of up to 20 payments and withdrawals.

Internal Rate of Return (IRR)

This calculator helps you determine either how long or how many separate periodic distributions can be taken out of an investment before it runs out.

Investment Distributions

Use this calculator to see if your investment plan is on track to meet your goals, and receive suggestions on how to change it.

Investment Goal

This calculator illustrates the effects of using a loan to purchase an investment or asset. (You can magnify your return but also increase your risk.)

Investment Loan

Property can be an excellent investment. This calculator examines the potential return you might receive from an investment property.

Investment Property Calculator

The Investment Questionnaire is designed to help you create a balanced portfolio.

Investment Questionnaire – Broad Portfolio

Use this helpful calculator to determine the annual rate of return using the starting and ending amount of a known lump sum.

Lump Sum Annual Return Calculator

Use this very helpful calculator to help determine the present value of your future returns, annuities, or regular payments.

Lump Sum Present Value Calculator

This calculator determines what needs to be invested now to achieve a future goal, reducing the total required immediately.

Investment Present Value Goal Calculator

This calculator is designed to help compare a normal taxable investment vs. a tax deferred investment.

Taxable vs. Tax Deferred Investments

LOAN

Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.

Ann. Rate of Return Calculator

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

Asset Allocation Calculator

Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.

Future Value Calculator

Determine an Internal Rate of Return. It calculates the IRR on an annual basis of an irregular stream of up to 20 payments and withdrawals.

Internal Rate of Return (IRR)

This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out.

Investment Distributions

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 Goal

Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk.

Investment Loan

This calculator is designed to examine the potential return you might receive if you decided to purchase an investment property.

Investment Property Calculator

The Investment Questionnaire is designed to help you create a balanced portfolio.

Investment Questionnaire – Broad Portfolio

Use this calculator to determine the annual rate of return of known starting and ending amounts.

Lump Sum Annual Return Calculator

Use this helpful calculator to easily and quickly determine the present value of any future lump sum.

Lump Sum Present Value Calculator

Use this calculator to determine the how much needs to be invested now to achieve a future goal.

Present Value Goal (PVG) Calculator

This calculator is designed to help compare a normal taxable investment vs. a tax deferred investment.

Taxable vs. Tax Deferred Investments