Empower yourself! On this page, you will find a selection of investor and accounting tools. For your convenience, we have compiled a list of useful links here:

Mortgage Calculators

• How much home can I afford?
• Should I refinance my home mortgage?
• Mortgage calculator
• Comparing mortgage terms (i.e. 15, 20, 30 year)
• Should I pay discount points for A lower interest rate?
• Should I rent or buy a home?
• Should I convert to a bi-weekly payment schedule?
• Compare a 'no-cost' versus traditional mortgage
• What are the tax savings generated by my mortgage?
• Which is better: fixed or adjustable-rate mortgage?
• Adjustable rate mortgage calculator
• How do closing costs impact the interest rate?
• Compare an interest-only versus traditional mortgage
• How much can I borrow from my home equity (HELOC)?

Credit Card Calculators

• How long will it take to pay off my credit card?
• How long until my loan is paid off?
• What are my loan payments?
• Do I have too much debt?
• What is the balance owing on my loan?
• Consolidate my personal debt?
• Re-structuring debts for accelerated payoff
• Cash up front or payments over time?
• Impact of making extra debt payments?
• Pay off debts or invest the money?
• Should I transfer my credit card balances?
• Estimate my credit score 

Retirement Calculators

• Will retirement impact my living expenses?
• How much will I need for retirement?
• Are my current retirement savings sufficient?
• Social Security retirement income estimator
• How does inflation impact my retirement income needs?
• I'm retired, how long will my savings last?
• When should I begin saving for retirement?
• Convert discretionary expenses to savings?
• How much retirement income may my 401(k) provide?
• Compare a Roth 401(k) to a Traditional 401(K)

Investment Calculators

• How should I allocate my assets?
• Compare taxable / tax-free investment return
• What is the value of a bond?
• Return on my real estate investment?
• The value of compound interest?
• The value of a call or put option?
• Taxable vs. tax-advantaged saving comparison
• What is my risk tolerance?
• What is the long-term impact of increased return?
• Certificate of Deposit (CD) analyzer
• What is the dividend yield on a stock?
• How do expenses impact mutual fund returns
• Certificate of Deposit (CD) laddering strategy
• Share Certificate analyzer
• Share Certificate laddering strategy

Automobile Calculators

• Lease or buy an auto?
• Loan vs. 0% dealer financing?
• What would my auto payments be?
• Upgrade to a more fuel efficient vehicle?
• Auto loan: accelerated payoff
• How much vehicle can I afford?
• Should I refinance my auto loan at a lower rate?
• How much can I lower my monthly payment with a new auto loan? 

College Calculators

• How much should I be saving for college?
• Can I pay back my student loans?
• Advantages of the Coverdell ESA
• Advantages of a 529 college savings plan
• The value of a college education?
• Payments on a parental (PLUS) loan?
• Live on campus, off campus or at home?
• When should I begin saving for my child's college?

Insurance Calculators

• How much life insurance do I need?
• What is my life expectancy?
• Needs for burial and final expenses?
• How much disability income insurance do I need?
• Chances of becoming disabled
• Long-term care insurance needs
• How much will I earn in my lifetime?
• Tax advantages of an annuity?
• How long will my current life insurance proceeds last?
• Future value of an annuity?
• Which Is Better, Comprehensive Plan Or High-Deductible Plan With HSA?
• Compare a taxable investment to a tax-deferred investment 

Qualified Plans Calculators

• Evaluate my company pension payout options
• How much can I contribute to an IRA?
• Retirement income from my IRA provide?
• Convert to a Roth IRA?
• Qualified plan is worth what retirement?
• Current year required minimum distribution?
• Projected required minimum distributions?
• Lump sum distribution options?
• Maximize my employer 401(k) match?
• Impact of borrowing from my 401(k) plan?
• Impact of early withdrawal from my 401(k)?
• I'm self-employed, how much can I contribute to a retirement plan?
• Net Unrealized Appreciation (NUA) vs. IRA Rollover?
• What are my Stretch IRA distributions?
• 72(t) early distribution analysis

Business Calculators

• Tax savings of a qualified retirement/cafeteria plan
• What are my new business startup costs?
• Should I pay or charge monthly, quarterly or annually?
• What is the value of my business?
• How many units do I need to sell to breakeven?
• Should I lease or buy equipment?
• What are my business financial ratios?
• What is my total employee compensation package worth?
• What are my tax savings with Section 179 deduction? 

Tax Calculators

• What is my potential estate tax liability?
• Federal income tax estimator
• Should I adjust my payroll withholdings?
• Will my investment interest be deductible?
• How much self-employment tax will I pay?
• Capital gains (and losses) tax estimator
• Compare taxable, tax-deferred, and tax-free growth
• How much of my social security benefit may be taxable?
• Tax implications of paying interest?
• Itemize or take the standard deduction?
• What is my taxable-equivalent yield?
• Tax refund estimator
• Tax freedom day 

Cash Flow Calculators

• Does inflation impact my standard of living?
• How much am I spending?
• How much do I need for emergencies?
• Pay down debt or invest more?
• How long will my money last?
• Should my spouse work?
• What is my current new worth?
• What is my projected net worth?
• What is my current cash flow?
• What is my projected cash flow?
• Value of reducing or foregoing expenses
• Historical inflation - compare purchasing power

Paycheck Calculators

• How much is my company bonus after taxes?
• How will payroll adjustments affect my take-home pay?
• Convert my salary to an equivalent hourly wage
• Convert my hourly wage to an equivalent salary
• Future value of my employee stock options?
• Exercise my "in-the-money" stock options?
• What may my 401(k) be worth?
• Impact of increasing my 401(k) contribution?
• What may my 457 Plan be worth?
• Impact of increasing my 457 Plan contribution?
• What may my 403(b) Plan be worth?
• What is the impact of increasing my 403(b) contribution?

Savings Calculators

• Becoming a millionaire
• Income generated by a savings plan.
• How long will it take to double my money?
• How long until my savings reach my goal?
• Save now vs. save later
• How much should I save to reach my goal?
• What will my current savings grow to?
• Calculate rate of return
• How do taxes and inflation impact my return?
• What is my effective annual yield?

Please note: Berrier & Company, P.C. is not responsible for the content of external websites. Following the links above implicitly constitutes acknowledgement and acceptance of this agreement.