David A. Paddock, MT, CPA
Income Tax Adviser
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.
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Auto |
| 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. |
Business |
| 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. |
| 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. |
Debt and Credit Cards |
| Credit Card Minimum Payment Calculator | Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments. |
Insurance |
| 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) Contribution Calculator | This 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 Calculator | Are 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 Calculator | Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time. |
| Immediate Annuity Calculator | Estimate what your monthly payments might be from an immediate annuity. |
| Life Insurance Calculator | Find out how much life insurance you really need! |
| Variable Annuity Calculator | How can a variable annuity help you save for retirement? Use this calculator to find out. |
Investment |
| 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. |
| Lump Sum Annual Return Calculator | Use this calculator to determine the annual rate of return of known lump sum starting and ending amount. |
| REIT Tax-Equivalent Distribution | This calculator shows a REIT's hypothetical yield and how ROC impacts tax equivalent yield. |
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. |
| 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. |
Mortgage |
| Adjustable Rate Mortgage Calculator | This calculator helps you to determine what your adjustable mortgage payments will be. |
| Interest Only Mortgage Calculator | Use this calculator to generate an amortization schedule for an interest only mortgage. |
| Mortgage Loan Calculator | Use this calculator to determine your monthly payment and amortization schedule. |
| Mortgage Points Calculator | Should you buy points? Use this calculator to find out. |
| Refinance Breakeven | Should you refinance your mortgage? Use this calculator to determine when you will breakeven. |
| Refinance Interest Savings | Use this calculator to see how much interest you can save by refinancing your mortgage! |
Personal Finance |
| Basic Calculator | This works just like a pocket calculator. |
| 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. |
Retirement |
| 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 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.. |
| 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) Savings Calculator | Use this calculator to see the benefits of an Individual 401(k) for the self-employed. |
| 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. |
| Retirement Plan Withdrawal | Use this calculator to see what your net withdrawal would be after taxes and penalties are taken into account. |
| Roth IRA Calculator | Use this calculator to compare the Roth IRA to an ordinary taxable investment. |
| Traditional IRA Calculator | How can contributing to a regular IRA help you in your retirement? |
Savings |
| College Savings | Use this calculator to help develop or fine tune your education savings plan. |
| 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. |
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. |
| Marginal Tax Rate Calculator (Tax Year 2010) | Use this calculator to determine your marginal and effective tax rates for tax year 2010. |
| Marginal Tax Rate Calculator 2011 | Use this calculator to determine your marginal and effective tax rates for tax year 2011. 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. |
| 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 2012. |