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.

 

(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