Financial Tools

Auto Loan Early Payoff	Find out how much interest you can save by increasing your monthly auto loan payment.
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.
Home Equity Loan vs. Auto loan	Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. Buy	Should you lease your next automobile or finance it? Find out with this calculator!

Breakeven Analysis	Find out how many and what price you must sell your product at to make a profit.
Business Valuation – Discounted Cash Flow	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.
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.
Equipment Buy vs. Lease	Should you lease your equipment or finance it? Find out with this calculator!
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.
Inventory Analysis	Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Working Capital Needs	Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

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 Pay Off	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.
How much do you owe?	Use this calculator as a starting point for your debt management plan.

Human Life Value	One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today’s value of your future earning.
Life Insurance Calculator	Find out how much life insurance you really need!
Long Term Care Calculator	Long term care is needed by those who can’t perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense.
Variable Annuity Calculator	How can a variable annuity help you save for retirement? Use this calculator to find out.

Annual Stock Option Grants	Use this calculator to project how much a series of annual stock option grants could be worth to you.
Asset Allocation Calculator	Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Compare Investment Fees	Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy!
Future Contracts Calculator	Use this calculator to determine the number of futures contracts you may wish to purchase based on your account equity and trading plan.
Investment Distributions	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 Loan	This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk.
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.
Investment Savings and Distributions	Use this calculator to see how long your investment savings can last once you begin taking distributions.
Municipal Bond Tax Equivalent Yield	Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.
Mutual Fund Expense Calculator	This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund’s prospectus, you can see the impact of fees and operating expenses on your investment.
Stock Option Calculator	Use this calculator to determine the value of your stock options for the next one to twenty five years.
Taxable vs. Tax Deferred vs. Tax Free Investment	This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.

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.
Loan Comparison Calculator	Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.

Bi-weekly Payment Calculator	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.
Mortgage APR Calculator	Use this calculator to find the APR on your mortgage.
Mortgage Loan 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 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.
Rent vs. Buy	Are you better off buying your home, or should you continue to rent?

Home Budget Analysis	Analyze your budget, see where your money goes and find out where you can improve!
Life Expectancy	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.
Net Worth	This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

72(t) Calculator	The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement.
Beneficiary Required Minimum Distributions	Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Required Minimum Distribution (RMD)	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.
Retirement Income	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.
Roth IRA Conversion	This calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth IRA vs. Traditional IRA	Use this calculator to determine which IRA may be right for you.
Social Security Benefits	Use this calculator to estimate your Social Security benefits.
Traditional IRA Calculator	How can contributing to a regular IRA help you in your retirement?

Benefit of Spending Less	Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.
College Savings	Use this calculator to help develop or fine tune your education savings plan.
Compounding and Your Return	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.
Savings, Taxes, and Inflation	Use this calculator to determine how much your savings will be worth with these two important variables in mind.

1040 Tax Calculator	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.
Estate Tax Planning	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.
Hourly Paycheck Calculator	Use this calculator to help you determine your paycheck for hourly wages.
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.
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 2013.