Financial Calculator

Calculators

Please try these wide variety of interactive financial problem solvers. Simply enter your criteria and you'll get your questions answered with dynamic graphs and personalized reports.

Calculators > Cash Flow

How Does Inflation Impact My Standard Of Living??

Use this calculator to determine the impact inflation may have on your standard of living.

What Is My Projected Cash Flow?

A projected cash flow statement can help you evaluate your personal income and expenses and see if you potentially may run 'in the red or the black' at a future date.

What Is The Value Of Reducing, Postponing Or Foregoing Expenses?

Use this calculator to help determine what you could accumulate by reducing or eliminating discretionary monthly expenses.

 

Historical Inflation - Compare Purchasing Power

If your income does not keep pace with increasing consumer prices then your standard of living can be reduced.

 

How Much Am I Spending?

Where does all the money go? An itemization of your living expenses may help you budget better and plan for future expenses.

 

How Much Do I Need For Emergencies?

It is prudent planning to have at least three to six months of liquid/cash assets set aside in the event of a loss of job, medical emergency, short-term disability, etc.

Should I Pay Down Debt Or Invest My Monthly Surplus?

When you receive some extra money it may be difficult to determine whether you should invest the funds or use them to retire debt. Financial theory recommends that if your after-tax return on investments is greater than your after-tax cost of debt then you should invest.

How Long Will My Money Last With Systematic Withdrawals?

You have worked hard to accumulate your savings. Use this calculator to determine how long those funds will last given regular withdrawals.

 

Should My Spouse Enter The Work Force?

A working spouse can provide additional needed household income. However, when making your decision, you need to look at the net income generated by a working spouse not simply the gross income. Factors such as health insurance savings, increased daycare expenses, additional transportation costs, etc. need to be considered.

 

What Is My Current Net Worth?

In order to get where you want to go, you need to know where you are. You can get a view of your financial position by generating a personal net worth statement.

What Is My Projected Net Worth?

Over time your net worth will change as your assets earn interest or are depleted and your liabilities increase or decrease. Use this calculator to estimate what your net worth could be in the future based on specified growth rates.

What Is My Current Cash Flow?

Businesses generate a sources and uses of cash statement to evaluate their income and expenses and to check profitability. Similarly, a cash flow statement can help you evaluate your personal income and expenses and see if you are running 'in the red or the black' each month.

Calculators > Business

What Are The Tax Savings Of A Qualified Retirement/Cafeteria Plan?

Implementation of a Qualified Plan and/or Section 125 Cafeteria Plan can result in significant tax savings and benefits to both the employer and employee.

 

What Are My New Business Startup Costs?

Before you launch a new venture, you should take the time to estimate the total capital that will be needed. Startup costs are divided into two main categories: one-time startup costs and recurring monthly expenses. Depending on when you expect to receive payments for your goods and services, it may be wise to begin with several months of working capital.

 

Should I Pay Or Charge Monthly, Quarterly Or Annually?

Use this APR calculator to help determine whether it makes sense financially for you to pay your creditors and/or bill your customers either monthly, quarterly or semi-annually.

 

What Is The Value Of My Business?

Similar to bond or real estate valuations, the value of a business can be expressed as the present value of expected future earnings.

 

How Many Units Do I Need To Sell To Break Even?

Given your profit margin, it is important to know how many units of a certain product that you will need to sell in order to cover your fixed/startup costs.

 

Should I Lease Or Buy Equipment?

Leasing is a popular method of acquiring new equipment for your business. Although the payments may seem attractive, it may not always be the best financial decision versus purchasing the equipment outright and financing it with a low interest loan.

 

What Are My Business Financial Ratios?

A regular review of your company's financial ratios can help you focus on areas that may need improvement. Liquidity, efficiency, and profitability ratios, compared with other businesses in your industry, can highlight any strengths and weaknesses you might have over your competition.

 

What Is My Employee Total Compensation Package Worth?

Your employees may be surprised to find out how much is paid out in other benefits in addition to their salaries. The employer has both required and discretionary payments that it makes on behalf of the employee.

 

What Are My Tax Savings With Section 179 Deduction?

Section 179 of the IRS tax code gives businesses the opportunity to deduct the FULL purchase price of qualifying new and used equipment, and software placed into service during the tax year they were purchased or financed. This tax break encourages small businesses to invest in themselves and to purchase equipment sooner rather than later. There are some limits, however, to the amount that can be written off. ($1,000,000 in 2018) The Section 179 deductions decrease dollar for dollar on purchases over $2.5 million. After the Section 179 benefits are exhausted; Bonus Depreciation of 100% can now be taken until 2022 on the remaining amount of equipment placed into service. Use this calculator to help determine your Section 179 write off amount and the tax savings it might generate for you.

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