Alvin J. Brown, CPA
Financial Tools
Should I refinance my mortgage? How much do I need to save for my child's college education? As an accounting professional, these are some of the questions that are posed to me on a daily basis. I am providing these interactive financial calculators and other tools to assist you with some of the day-to-day questions and concerns that may arise. I hope that you find these calculators useful. I would suggest that you use them for some preliminary planning. After you have run your calculations, let's get together and see how your data can be made a part of your overall financial plan.


If you cannot find a particular tool/calculator here, be sure to check out my LINKS page. If the desired calculator is not there, let me know and I'll try to puin a link for it.

Auto
Car Loan Calculator, Home Equity Loan vs. Auto loan, Lease vs. Buy, More...
Business
Breakeven Analysis, Cash Flow Calculator, Equipment Buy vs. Lease, Like Kind Exchange, Profit Margin Calculator, More...

Debt and Credit Cards
Credit Card Pay Off, More...

Insurance
Disability Insurance, Health Savings Account (HSA) Contribution Calculator, Health Savings Account (HSA) Goal Calculator, Health Savings Account (HSA) Savings Calculator, Health Savings Account (HSA) vs. Traditional Health Plan, Life Insurance Calculator, Long Term Care Calculator, More...

Investment
Asset Allocation Calculator, Personal Economic Recovery Calculator, More...

Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Loan & Credit Line Payment, More...

Mortgage
ARM vs. Fixed Rate Mortgage, Bi-weekly Payment Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Points Calculator, Mortgage Tax Savings Calculator, Refinance Breakeven, Refinance Interest Savings, More...

Personal Finance
Checkbook Balancer, Home Budget Analysis, Life Expectancy, Net Worth, More...

Retirement
401(k) Savings Calculator, 401(k) Spend It or Save It Calculator, 72(t) Calculator, How Important is Social Security?, Retirement Pension Planner, Retirement Planner, Roth IRA Calculator, Roth IRA Conversion, Roth vs. Traditional IRA, Social Security Benefits, Traditional IRA Calculator, More...

Savings
College Savings, Compound Interest and Your Return, Savings Goals, More...

Tax
1040 Tax Calculator, 1040 Tax Calculator (Tax Year 2007), Estate Tax Planning, Marginal Tax Rate Calculator, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Section 125 Cafeteria Plan, More...

Auto


Car Loan CalculatorDetermine 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 loanUse this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. BuyShould you lease your next automobile or finance it? Find out with this calculator!

Business


Breakeven AnalysisFind out how many and what price you must sell your product at to make a profit.
Cash Flow CalculatorHaving 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. LeaseShould you lease your equipment or finance it? Find out with this calculator!
Like Kind ExchangeThis calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
Profit Margin CalculatorThis calculator can help you determine the selling price for your products to achieve a desired profit margin.

Debt and Credit Cards


Credit Card Pay OffUse 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.

Insurance


Disability InsuranceUse this calculator to 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 (HSA) Contribution CalculatorThis Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.
Health Savings Account (HSA) Goal CalculatorAre you looking at the Health Savings Account (HSA) as a retirement account? This calculator will help you determine what you need to do in order to reach your goal.
Health Savings Account (HSA) Savings CalculatorUse this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time.
Health Savings Account (HSA) vs. Traditional Health PlanCompare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
Life Insurance CalculatorFind out how much life insurance you really need!
Long Term Care CalculatorLong 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.

Investment


Asset Allocation CalculatorYour age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Personal Economic Recovery CalculatorThis calculator can help you determine exactly what it might take to return your to your original investment balance.

Loan


Alternative Payment FrequenciesUse this calculator to determine your payment or loan amount for different payment frequencies.
Amortizing Loan CalculatorEnter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
Loan & Credit Line PaymentThis calculator helps determine your loan or credit line payment.

Mortgage


ARM vs. Fixed Rate MortgageUse this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Bi-weekly Payment CalculatorUsing 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 Comparison: 15 Years vs. 30 YearsUse this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Loan CalculatorUse this calculator to determine your monthly payment and amortization schedule.
Mortgage PayoffSave thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Points CalculatorShould you buy points? Use this calculator to find out.
Mortgage Tax Savings CalculatorInterest 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.
Refinance BreakevenShould you refinance your mortgage? Use this calculator to determine when you will breakeven.
Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your mortgage!

Personal Finance


Checkbook BalancerBalance your checkbook with this quick and easy calculator.
Home Budget AnalysisAnalyze your budget, see where your money goes and find out where you can improve!
Life ExpectancyThis 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 WorthThis calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

Retirement


401(k) Savings CalculatorA 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up.
401(k) Spend It or Save It CalculatorThere are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.
72(t) CalculatorThe 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.
How Important is Social Security?Use this calculator to determine how losing this important retirement asset could affect you.
Retirement Pension PlannerPlan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement PlannerQuickly determine if your retirement plan is on track - and learn how to keep it there.
Roth IRA CalculatorUse this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA ConversionThis calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth vs. Traditional IRAUse this calculator to determine which IRA may be right for you.
Social Security BenefitsUse this calculator to estimate your Social Security benefits.
Traditional IRA CalculatorHow can contributing to a regular IRA help you in your retirement?

Savings


College SavingsUse this calculator to help develop or fine tune your education savings plan.
Compound Interest and Your ReturnThis calculator demonstrates how compounding can affect your savings.
Savings GoalsWhat will it take to reach your savings goal? This financial calculator helps you find out.

Tax


1040 Tax CalculatorEnter your filing status, income, deductions and credits and we will estimate your total taxes for 2011. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April 2012.
1040 Tax Calculator (Tax Year 2007)Use this 1040 tax calculator to help estimate your tax bill using the 2007 tax year's rates and rules.
Estate Tax PlanningKnowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability.
Marginal Tax Rate CalculatorUse 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.
Net to Gross Paycheck CalculatorDetermine the gross paycheck needed to provide a required net amount.
Payroll Deductions CalculatorUse this calculator to help you determine the impact of changing your payroll deductions.
Section 125 Cafeteria PlanUse this calculator to see how participating in your employer's Section 125 Cafeteria Plan can help you pay less tax, and increase your net take home pay.