Crouse Company PC - Financial Tools

Should I refinance my mortgage? How much do I need to save for my child's college education? As accounting professionals, these are some of the questions that are posed to us on a daily basis. We are providing these interactive financial calculators and other tools to assist you with some of the day-to-day questions and concerns that may arise. While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in your decision making process.

Auto Rebate vs. Low Interest Financing, Car Loan Calculator, Home Equity Loan vs. Auto loan, Lease vs. Buy, More...

Breakeven Analysis, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Commercial Loan Calculator, Equipment Buy vs. Lease, Financial Ratios, Like Kind Exchange, Profit Margin Calculator, Working Capital Needs, More...

Cost-of-Debt Calculator, Credit Card Minimum Payment Calculator, Credit Card Pay Off, How much do you owe?, Student Loan Consolidation and Debt Payoff, More...

Comprehensive Life Insurance Analysis, Disability Insurance, Health Savings Account (HSA) Contribution Calculator, Health Savings Account (HSA) Savings Calculator, Health Savings Account (HSA) vs. Traditional Health Plan, Health Savings Accounts (HSA) Employer Benefit, Human Life Value, Life Insurance Calculator, Long Term Care Calculator, More...

Annual Rate of Return Calculator, Annual Stock Option Grants, Future Value Calculator, Investment Distributions, Investment Goal, Investment Savings and Distributions, Municipal Bond Tax Equivalent Yield, Mutual Fund Expense Calculator, REIT Tax-Equivalent Distribution, Stock Option Calculator, Taxable vs. Tax Advantaged Investments, More...

Alternative Payment Frequencies, Amortizing Loan Calculator, Balloon Loan Calculator, Existing Loan Calculator, Home Equity Line of Credit Calculator, Line of Credit Payoff, Loan & Credit Line Payment, Loan Comparison Calculator, More...

Adjustable Rate Mortgage Calculator, ARM vs. Fixed Rate Mortgage, Bi-weekly Payments for an Existing Mortgage, Fixed Rate Mortgage vs. Interest Only Mortgage, Fixed Rate Mortgage vs. LIBOR ARM, Interest Only Mortgage Calculator, Maximum Mortgage, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Points Calculator, Mortgage Required Income, Mortgage Tax Savings Calculator, Option ARM vs. Fixed Rate Mortgage, Refinance Breakeven, Refinance Interest Savings, Rent vs. Buy, More...

Checkbook Balancer, Credit Assessment, Home Budget Analysis, Life Expectancy, Net Worth, Should my spouse work?, Student Budget, More...

401(k) Savings Calculator, 401(k) Spend It or Save It Calculator, 403(b) Savings Calculator, 457 Savings Calculator, 72(t) Calculator, 72(t) Distribution Impact, Beneficiary Required Minimum Distributions, How Important is Social Security?, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Required Minimum Distribution (RMD) for Current Year, Retirement Contribution Effects on Your Paycheck, Retirement Income, Retirement Pension Planner, Retirement Plan Withdrawal, Retirement Planner, Roth IRA Calculator, Roth IRA Conversion, Roth vs. Traditional IRA, Social Security Benefits, Traditional IRA Calculator, More...

Benefit of Spending Less, Certificate of Deposit Calculator, College Savings, Compare Savings Rates, Compound Interest and Your Return, Cool Million, Don't Delay Your Savings!, Emergency Savings Calculator, Lunch Savings, Savings Goals, Savings, Taxes, and Inflation, More...

1040 Tax Calculator, 1040 Tax Calculator (Tax Year 2009), Estate Tax Planning, Marginal Tax Rate Calculator, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Section 125 Cafeteria Plan, Self-Employment Tax Calculator, More...

Business

Breakeven Analysis	Find out how many and what price you must sell your product at to make a profit.
Business Valuation - Discounted Cash Flow	This tool calculates a business valuation based upon the discounted cash flow methodology
Cash Flow Calculator	Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business.
Commercial Loan Calculator	Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved.
Equipment Buy vs. Lease	Should you lease your equipment or finance it? Find out with this calculator!
Financial Ratios	This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
Like Kind Exchange	This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
Profit Margin Calculator	This calculator can help you determine the selling price for your products to achieve a desired profit margin.
Working Capital Needs	Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

Debt and Credit Cards

Cost-of-Debt Calculator	Use this calculator to see just how expensive paying interest on your debt can be.
Credit Card Minimum Payment Calculator	Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
Credit Card Pay Off	Use 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.
How much do you owe?	Use this calculator as a starting point for your debt management plan.
Student Loan Consolidation and Debt Payoff	The Student Loan Consolidation and Debt Payoff Calculator applies two simple principles to paying off your Debt; Consolidate your student loans, and use the monthly savings to payoff your other outstanding debt.

Insurance

Comprehensive Life Insurance Analysis	How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out.
Disability Insurance	Use 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 Calculator	This 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) Savings Calculator	Use 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 Plan	Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
Health Savings Accounts (HSA) Employer Benefit	This calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees.
Human Life Value	One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earning.
Life Insurance Calculator	Find out how much life insurance you really need!
Long Term Care Calculator	Long 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

Annual Rate of Return Calculator	Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.
Annual Stock Option Grants	Use this calculator to project how much a series of annual stock option grants could be worth to you.
Future Value Calculator	Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.
Investment Distributions	This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out.
Investment Goal	Use this calculator to see if your investment plan is on track to meet your investment goals
Investment Savings and Distributions	Use this calculator to see how long your investment savings can last once you begin taking distributions.
Municipal Bond Tax Equivalent Yield	Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.
Mutual Fund Expense Calculator	This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating expenses on your investment.
REIT Tax-Equivalent Distribution	This calculator shows a REIT's hypothetical yield and how ROC impacts tax equivalent yield.
Stock Option Calculator	Use this calculator to determine the value of your stock options for the next one to twenty five years.
Taxable vs. Tax Advantaged Investments	This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.

Loan

Alternative Payment Frequencies	Use this calculator to determine your payment or loan amount for different payment frequencies.
Amortizing Loan Calculator	Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
Balloon Loan Calculator	A balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you.
Existing Loan Calculator	Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining.
Home Equity Line of Credit Calculator	How big of a home equity line of credit can you receive? Use this calculator to find out!
Line of Credit Payoff	Use this calculator to see what it will take to pay off your line of credit, and what you can change to meet your repayment goals.
Loan & Credit Line Payment	This calculator helps determine your loan or credit line payment.
Loan Comparison Calculator	Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.

Mortgage

Adjustable Rate Mortgage Calculator	This calculator helps you to determine what your adjustable mortgage payments will be.
ARM vs. Fixed Rate Mortgage	Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Bi-weekly Payments for an Existing Mortgage	This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
Fixed Rate Mortgage vs. Interest Only Mortgage	Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Fixed Rate Mortgage vs. LIBOR ARM	Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
Interest Only Mortgage Calculator	Use this calculator to generate an amortization schedule for an interest only mortgage.
Maximum Mortgage	Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage Comparison: 15 Years vs. 30 Years	Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Loan Calculator	Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Payoff	Save thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Points Calculator	Should you buy points? Use this calculator to find out.
Mortgage Required Income	Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
Mortgage Tax Savings Calculator	Interest 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.
Option ARM vs. Fixed Rate Mortgage	Use this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
Refinance Breakeven	Should you refinance your mortgage? Use this calculator to determine when you will breakeven.
Refinance Interest Savings	Use this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. Buy	Are you better off buying your home, or should you continue to rent?

Personal Finance

Checkbook Balancer	Balance your checkbook with this quick and easy calculator.
Credit Assessment	How is your credit? Use this calculator for a quick assessment!
Home Budget Analysis	Analyze your budget, see where your money goes and find out where you can improve!
Life Expectancy	This 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 Worth	This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
Should my spouse work?	This calculator is designed to help you see the financial impact of having either one or two incomes for your household.
Student Budget	This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Retirement

401(k) Savings Calculator	A 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 Calculator	There 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.
403(b) Savings Calculator	If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement.
457 Savings Calculator	A 457 plan 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.
72(t) Calculator	The 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.
72(t) Distribution Impact	This calculator is designed to examine the affects of 72T distributions on your retirement plan balance.
Beneficiary Required Minimum Distributions	Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
How Important is Social Security?	Use this calculator to determine how losing this important retirement asset could affect you.
Pension Plan Retirement Options	Use this calculator to help decide between joint survivorship and single survivorship pension options.
Required Minimum Distribution (RMD)	Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements.
Required Minimum Distribution (RMD) for Current Year	Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.
Retirement Contribution Effects on Your Paycheck	Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement.
Retirement Income	Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Pension Planner	Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement Plan Withdrawal	Use this calculator to see what your net withdrawal would be after taxes and penalties are taken into account.
Retirement Planner	Quickly determine if your retirement plan is on track - and learn how to keep it there.
Roth IRA Calculator	Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA Conversion	This calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth vs. Traditional IRA	Use this calculator to determine which IRA may be right for you.
Social Security Benefits	Use this calculator to estimate your Social Security benefits.
Traditional IRA Calculator	How can contributing to a regular IRA help you in your retirement?

Savings

Benefit of Spending Less	Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.
Certificate of Deposit Calculator	Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College Savings	Use this calculator to help develop or fine tune your education savings plan.
Compare Savings Rates	Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!
Compound Interest and Your Return	This calculator demonstrates how compounding can affect your savings.
Cool Million	Find out when your savings plan may make you a millionaire!
Don't Delay Your Savings!	Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost.
Emergency Savings Calculator	This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Lunch Savings	Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings Goals	What will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes, and Inflation	Use this calculator to determine how much your savings will be worth with these two important variables in mind.

Tax

1040 Tax Calculator	Enter 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 2009)	Use this 1040 tax calculator to help estimate your tax bill using the 2009 tax year's rates and rules.
Estate Tax Planning	Knowing 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 Calculator	Use 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 Calculator	Determine the gross paycheck needed to provide a required net amount.
Payroll Deductions Calculator	Use this calculator to help you determine the impact of changing your payroll deductions.
Section 125 Cafeteria Plan	Use 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.
Self-Employment Tax Calculator	If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes.