Calculators

We’ve compiled a few financial calculators to help you successfully plan for your future. Though not a substitute for advice and information provided by a qualified professional, our calculators offer a good starting point to a secure future. Use as many as you like! The calculators are easy-to-use and provide in-depth analysis for virtually any financial scenario, along with graphs, charts and tables.

Please give us a call if you need assistance with the input or understanding the computed results for any of the calculators.  We are dedicated to providing our clients with valuable online resources to assist them with their everyday needs and long-range planning.

Mortgage Calculator: Use this calculator to view the total interest and total payment for a mortgage based on the loan amount, years of payments, and annual interest rate you enter.

Qualify for Home Purchase: This calculator indicates whether or not you qualify for a conventional mortgage.

Mortgage Refinance Breakeven: Use this calculator to determine if you should refinance your mortgage and when you will break even.

Pay Points on Mortgage: This calculator helps to determine if reducing your mortgage interest rate by paying points is the best option.

Loan Amortization Calculator: Use this calculator to calculate a loan amount based on your desired monthly payment or to calculate a monthly payment based on a loan amount.

Time to Payoff Credit Card: Use this calculator to calculate the monthly payment and length of time it will take to pay off your credit card.

Social Security Calculator: Estimate your Social Security benefits using the Social Security Administration’s Quick Calculator.

Retirement Income Planner: Use this calculator to evaluate your retirement income plan.

Regular IRA vs. Roth IRA – Annual Contribution: Use this calculator to determine whether a regular IRA or a Roth IRA is right for you.

Auto Loan Payment Calculator: Use this calculator to calculate an auto loan amount based on your desired monthly payment or to calculate a monthly payment based on an auto loan amount.

Children’s Education Savings: Use this calculator to evaluate and determine if you need to make changes to your college savings plan.

Buying vs. Leasing – Auto: Use this calculator to determine if you should lease or buy your next vehicle.

Investment Needed to Achieve Goal: Use this calculator to determine the investment needed to achieve your goal.

Years to Become a Millionaire: This calculator computes the number of years it will take for an initial investment along with monthly contributions to accumulate to $1 million.

Paycheck Calculator – Hourly: This calculator computes gross and net pay for an hourly paycheck and displays the various withholdings.

Paycheck Calculator – Salaried: This calculator computes net or gross pay for a single paycheck and displays the various withholdings.

Second Income Calculator: Use this calculator to estimate your additional monthly net pay after expenses if your spouse is working.

Flexible Spending Account Calculator: This calculator shows the effect a Flexible Spending account will have on your net pay.

Ratio Calculators: Use these calculators to assess your company’s liquidity, profitability and efficiency based on your financial statement data.

Monthly to Bi-Weekly Loan Conversion: This calculator shows how much sooner a loan or mortgage can be paid off and how much interest and expense can be saved if the payments are changed from monthly to bi-weekly and the payment amount is cut in half.

Minimum IRA Distribution: Use this calculator to determine the amount that the federal government requires you to withdraw annually from your IRA.

IRA Distribution Before Age 59 1/2 Calculator: This calculator computes exceptions from the penalty for early distribution (before age 59 1/2) from an IRA.

Loan Calculator: Use this calculator to view the total interest and total payment for a mortgage based on the loan amount, years of payments, and annual interest rate you enter.