(c) 2016 Estep-Doctor & Company, PC

Full-service Accounting Firm in Muncie, Indiana

Full-service Accounting Firm in Anderson, Indiana

Muncie Office:

3737 W. Bethel Avenue

Muncie, IN  47304

765.289.5366 phone

765.289.3332 fax

Anderson Office:

814 Central Avenue

Anderson, IN  46012

765.649.0194 phone

765.642.4848 fax

Below are links to literally dozens of financial calculators for the questions and comparisons in your life and business.  It's not just about math, it's about decision-making.  Be as informed as you can, and please let us know how we can help you best.

Automotive Calculators: Auto Loan Calculator, Lease vs. Buy, Early Payoff, Rebate vs. Low Interest Financing, Bi-weekly Payments, Dealer vs. Credit Union Financing, and more.

Mortgage Calculators: Payment Calculators, Mortgage Comparisons, Refinancing Break-Even Point, Adjustable-Rate Calculators, Rent vs. Buy, and more.

Retirement Calculators: 401(k) Calculator, 403(b) Savings, How Long Will Retirement Savings Last?, Roth vs. Traditional, Spend It vs. Save It, and more.

Business Calculators: Break-Even Analysis, Cash Flow, Equipment Buy vs. Lease, Financial Ratios, Working Capital Needs, and more.

Investment Calculators: Investment Goals, Lump Sum Calculators, Asset Allocation, Present Value, Future Value, Taxable vs. Tax-Deferred vs. Tax-Free, and more.

Insurance Calculators: Life Insurance, Long-Term Care, HSA vs. Traditional Health, Annuity Calculators, and more.

Personal Finance Calculators: Credit Card Optimizer, Payroll Deductions, Home Budget Analysis, Life Expectancy, Net Worth, Student Budget, and more.

Savings Calculators: Certificates of Deposit, College Savings, Emergency Savings, Savings Goals, and more.

Financial Calculators (Lots of Them)

Automotive Calculators

Car Loan Calculator:  Determine your car loan payment based on your purchase price or find out how much you can buy based on your desired monthly payment.

Lease vs. Buy:  Should you lease your next auto or finance it? 

Dealer Financing vs. Credit Union Financing:  Should you take advantage of low-interest dealer financing or credit union financing combined with a manufacturer's rebate?

Low-Interest Financing Savings:  Find your best monthly payment and how much interest you could save with a promotional interest rate.

Auto Rebate vs. Low-Interest Financing:  Determine your best deal between a specific interest rate offer or manufacturer's rebate.

Auto Loan Early Payoff:  Find out how much interest you can save by increasing your monthly auto loan payment.

Bi-weekly Payments for Auto Loan:  Discover possible savings by using an accelerated bi-weekly payment on your auto loan, shaving time off your payback.

 

Mortgage Calculators

Mortgage Qualifier:  Find out how much you can afford.

15-Year vs. 30-Year:  Compare these two mortgage terms to determine which might be better for you.

Mortgage Refinancing Break-Even:  Figure out your break-even timeframe to determine the benefits of a refi.

Rent vs. Buy:  Evaluate your housing options with different inputs.

Mortgage Income Required:  Determine how much income you need to qualify for a certain mortgage, and how different interest rates affect that requirement.

Mortgage Loan Calculator:  Determine your monthly mortgage principal, interest, taxes & insurance payment, and amortization schedule.

HELOC Calculator:  Determine the amount of a home equity line of credit you may be able to receive.

Balloon Mortgages:  Experiment with inputs to see if a balloon mortgage might fit your needs.

Bi-Weekly Payment Calculator:  See how an accelerated payment schedule affects your payoff and interest expense.

Bi-Weekly Payments (Existing Loan):  See how an accelerated payment schedule affects an existing mortgage.

Adjustable-Rate (ARM) vs. Fixed-Rate:  Compare a fixed-rate mortgage with two types of ARMs to understand your options.

 

Retirement Calculators

Retirement Nest Egg:  Determine the necessary size of your retirement nest egg.

Retirement Income:  Determine how much monthly income your retirement savings may provide.

Retirement Longevity:  Determine how long your retirement savings will last based on inflation-adjusted withdrawals.

Roth IRA vs. Traditional IRA:  Compare two IRA types.

Roth 401(k) vs. Traditional 401(k):  Compare two 401(k) contribution types.

Roth 403(b) vs. Traditional 403(b):  Compare two 403(b) contribution types.

Retirement Check-Up:  Quickly determine if your retirement plan is on track.

Social Security Impact:  See how Social Security figures into your retirement savings.

Social Security Estimator:  Estimate your Social Security benefits.

 

Business Calculators

Financial Ratios:  Zero in on areas of your business that may need attention, such as solvency, liquidity, profitability and efficiency.

Break-Even Analysis:  Find out the quantity and price you must sell your product at to make a profit.

Cash Flow Calculator:  Determine the cash flow generated by your business to understand how to ensure it is adequate.

Working Capital Needs:  Determine your working capital needs for the next year.

Commercial Loan Calculator:  Estimate your debt service coverage with a new loan to anticipate approval.

Equipment Buy vs. Lease:  Evaluate your options with this calculator.

Business Debt Consolidation:  Is business debt consolidation a good option?

Profit Margin Calculator:  Determine the selling price for your products to achieve a desired profit margin.

 

Investment Calculators

Investment Questionnaire:  Think through the options to help you create a balanced portfolio.

Investment Property Calculator:  Examine the potential return you might receive from an investment property.

Investment Returns:  Beyond just rate of return, examine the effects of inflation, taxes and time horizon on your bottom line.

Investment Goal:  See if your investment plan is on track to meet your goals, and receive suggestions on how to change it if you are falling short.

Investment Savings & Distributions:  Estimate how long your investment savings can last once you begin taking distributions.

Asset Allocation Calculator:  Examine factors such as your age, ability to tolerate risk, and more.

Taxable vs. Tax-Deferred vs. Tax-Free Investments:  Compare three types of investments as they relate to taxes.

Present Value Calculator:  Determine the present value of a known final future value plus a stream of deposits.

Present Value Goal:  Determine how much needs to be invested now to achieve a future goal, taking into account a new stream of additional deposits.

Future Value Calculator:  Determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.

Lump Sum Present Value:  Determine the present value of a future lump sum.

Lump Sum Future Value:  Determine the future value of a lump sum.

 

Insurance Calculators

Life Insurance Calculator:  Find out how much life insurance you need.

Life Insurance (Comprehensive):  Determine your life insurance needs including detailed net worth analysis, budgeting and college savings.

Long-Term Care:  Examine your financial preparedness for the expenses of long-term assistive care.

Disability Insurance:  Determine how much disability insurance you may need to cover expenses if you are unable to work due to illness or injury.

Health Savings Account vs. Traditional Health Plan:  Compare a high-deductible health plan (HDHP) with an HSA to a traditional health plan.

HSA Employer Benefit:  Estimate the value of creating a high-deductible health plan with HSA for your employees.

Fixed Annuity Calculator:  Examine the variables to see how a tax-deferred fixed annuity may fit into your retirement plan.

Variable Annuity Calculator:  Examine the variables to see how a variable annuity may fit into your retirement plan.

 

Personal Finance Calculators

Life Expectancy:  Estimate your life expectancy based on your age, gender, and other lifestyle choices.

Checkbook Balancer:  Balance your checkbook easily here.

Credit Card Optimizer:  Determine the most favorable distribution of your credit card debt.

Debt Consolidation Calculator:  Evaluate your options and see if and when a consolidation might be right for you.

Payroll Deductions Calculator:  Determine the impact of changing your payroll deductions.

Home Budget Analysis:  See where your money goes and find areas for improvement.

Student Budget:  Help students understand their expenses and income while attending higher education.

Net Worth:  Calculate your net worth and estimate how your net worth could change over the next ten years.

 

Savings Calculators

Compare Savings Rates:  See how even small differences in interest rates can affect your savings.

College Savings:  Examine options and fine-tune your education savings plan.

CD Calculator:  Find out how much interest you can earn on a Certificate of Deposit (CD).

Emergency Savings:  Determine how much emergency savings you may need.

Home Buyer Savings:  Calculate what it might take to save for your new house.

Path to a Million:  Find out when your savings plan may make you a millionaire.