Financial Tools

Should I refinance my mortgage? Should I lease or buy an automobile?  As accounting professionals, these are some of the questions that are posed to us on a daily basis.  Feel free to call us at (949) 661-4357 if you have any further questions.

Financial Calculators

Find out how much interest you can save by increasing your monthly auto loan payment.
Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.
Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.
Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Should you lease your next automobile or finance it? Find out with this calculator!
Low, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save.
Find out how many and what price you must sell your product at to make a profit.
Should your business consolidate its debt? Use this calculator to find out.
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.
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.
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.
Should you lease your equipment or finance it? Find out with this calculator!
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.
This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
This calculator can help you determine the selling price for your products to achieve a desired profit margin.
If you have repossessed personal property from a deferred payment sale, you can this calculator to determine the gain or loss.
If you have repossessed personal property with installment payments, you can this calculator to determine the gain or loss.
If you have repossessed real property, you can this calculator to determine the gain or loss as well as its new basis.
Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.
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.
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.
Use this calculator to see just how expensive paying interest on your debt can be.
Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
Use this calculator as a starting point for your debt management plan.
Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
The Student Loan Consolidation and Debt Payoff calculator applies two simple principles to paying off your Debt; Consolidate your student loans, and use the monthly savings to pay off your other outstanding debt.
How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out.
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.
This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.
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.
Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time.
Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
This calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees.
Estimate what your monthly payments might be from an immediate annuity.
Find out how much life insurance you really need!
How can a variable annuity help you save for retirement? Use this calculator to find out.
How can a variable annuity help you save for retirement? Use this calculator to find out.
Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.
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.
Use this calculator to 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.
The Investment Questionnaire is designed to help you create a balanced portfolio from a broad range of investment classes.
This questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities.
Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.
Use this calculator to determine the future value of a lump sum.
Use this calculator to determine the present value of a future lump sum.
Use this calculator to determine the present value of a known final future value plus a stream of deposits.
Use this calculator to determine the how much needs to be invested now to achieve a future goal. The total amount required immediately is reduced by the present value of a stream of additional deposits.
This calculator is designed to help compare a normal taxable investment vs. a tax deferred investment.
This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.
Use this calculator to determine your payment or loan amount for different payment frequencies.
Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
A balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you.
Should you consolidate your debt? Use this calculator to find out.
Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
What will my monthly payments be for an interest only equity line of credit?
Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining.
How big of a home equity line of credit can you receive? Use this calculator to find out!
Use this calculator to see what it will take to pay off your line of credit, and what you can change to meet your repayment goals.
This calculator helps determine your loan or credit line payment.
This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
Use this calculator as your first step in determining your ability to qualify for a loan.
This calculator helps you to determine what your adjustable mortgage payments will be.
Use this calculator to find the APR on your adjustable 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.
A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
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.
This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of a home.
Use this calculator to determine your maximum FHA mortgage and cash needed for closing.
Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
Interest only mortgages can provide you with very low monthly payments, however you are not paying off any principal during the interest only period.
Use this calculator to generate an amortization schedule for an interest only mortgage.
Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Use this calculator to find the APR on your mortgage.
Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
Use this calculator to determine your monthly payment and amortization schedule.
Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Save thousands of dollars in interest by increasing your monthly mortgage payment.
Should you buy points? Use this calculator to find out.
Can you buy your dream home? Find out just how much you can afford!
Should you refinance your mortgage? Use this calculator to determine when you will break even.
Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
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.
Use this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
Use this calculator to see how much interest you can save by refinancing your mortgage!
Are you better off buying your home, or should you continue to rent?
This calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time.
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.
Analyze your budget, see where your money goes and find out where you can improve!
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.
This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
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.
Use this calculator to determine how losing this important retirement asset could affect you.
Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.
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.
Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.
Plan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there.
Use this calculator to determine which IRA may be right for you.
Use this calculator to estimate your Social Security benefits.
How can contributing to a regular IRA help you in your retirement?
This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Use this tool to help you calculate what it might take to save for your new house.
What will it take to reach your savings goal? This financial calculator helps you find out.
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.
Use this calculator to help you determine the impact of changing your payroll deductions.
Use this calculator to determine if you qualify for the Earned Income Credit and if so, how much it might be worth.
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.
Use this calculator to see how participating in Flexible Spending Account (FSA) contributions can help you pay less tax, and increase your net take home pay.
Use this calculator to help you determine your paycheck for hourly wages.
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.
Determine the gross paycheck needed to provide a required net amount.
Use this calculator to help you determine the impact of changing your payroll deductions.
If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for the current tax year.
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.