Financial Calculators
Tax Calculators

Tax Refund Estimator
Did you withhold enough in taxes this past year? Use this calculator to help determine whether you might receive a tax refund or still owe additional money to the IRS. Remember this is just a tax estimator so you should file a proper tax return to get exact figures.

Federal Income Tax Calculator
Taxes are unavoidable and without planning, the annual tax liability can be very uncertain. Use the following calculator to help determine your estimated tax liability along with your average and marginal tax rates.

How Much Of My Social Security Benefit May Be Taxed?
Did you know that up to 85% of your Social Security Benefits may be subject to income tax? If this is the case you may want to consider repositioning some of your other income to minimize how much of your Social Security Benefit may be taxed and thereby, maximize your retirement income sources.

Will My Investment Interest Be Deductible?
Interest paid on debts incurred in order to invest (such as 'margin accounts') is generally deductible to the extent that it offsets investment income (such as interest, dividends and short term capital gains). Interest payments in excess of investment income can be carried forward in hopes of offsetting future investment income. This calculator can help you better manage the use of debt as an investment tool, and more accurately time your income and interest payments to take best advantage of current deductibility laws and limitations.

Capital Gains (Losses) Tax Estimator
Federal taxes on your net capital gain(s) will vary depending on your marginal income tax bracket and holding period of the asset.

How much of my social security benefit may be taxed?
Did you know that up to 85% of your Social Security Benefits may be subject to income tax? If this is the case you may want to consider repositioning some of your other income to minimize how much of your Social Security Benefit may be taxed and thereby, maximize your retirement income sources.

Business Calculators

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.

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. Use the following calculator to estimate the potential savings generated by implementing one or both of these plans.

Qualified Plans

What Is The Impact Of Borrowing From My 401(k) Plan?
Some qualified retirement plans include the option for qualifying participants to a take a loan against their retirement account balance. Many people borrow from their retirement plan to pay off high-interest debt or to make a major purchase.

What Is The Impact Of Early Withdrawal From My 401(k)?
Many people feel the need to withdraw funds from their 401(k) plan due to hardship or other emergency.

What will my qualified plan(s) be worth at retirement?
It may surprise you how significant your retirement accumulation may be simply by contributing regularly to a qualified plan. Use this calculator to estimate how much you may accumulate by saving in a qualified plan.

Paycheck and Benefits

How Much Will My Company Bonus Net After Taxes?
A bonus from your employer is always a good, however, you may want to estimate what you will actually take-home after federal withholding taxes, social security taxes and other deductions are taken out.

How will payroll adjustments affect my take-home pay?
Contributions to a qualified plan, participation in a company-sponsored cafeteria plan, change in filing status, or number of allowances claimed will have a direct impact on take-home pay. For example, due to federal tax savings, contributions to a qualified plan do not translate into a direct dollar-for-dollar tradeoff on take-home pay. Use this take home pay calculator to help compare your current situation to what-if scenarios.

Convert My Hourly Wage To An Equivalent Annual Salary
Use this calculator to determine your equivalent annual salary when given what you get paid per hour - it may surprise you what you make on a yearly basis.

Convert My Salary To An Equivalent Hourly Wage
Use this calculator to determine what your hourly wage equates to when given your annual salary - it may surprise you what you make on an hourly basis.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

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