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. AmeriTax Tax & Financial Services is 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 the decision making process.
Auto
Auto Loan Early Payoff, Auto Rebate vs. Low Interest Financing, Auto Refinance Interest Savings, Bi-weekly Payments for an Auto Loan, Bi-weekly Payments for an Auto Loan with Fees, Car Loan Calculator, Dealer Financing vs. Credit Union Financing, Home Equity Loan vs. Auto loan, Lease vs. Buy, Low Interest Financing Savings, More...
Business
Breakeven Analysis, Business Debt Consolidation Calculator, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Commercial Loan Calculator, Debt Service Coverage, Equipment Buy vs. Lease, Financial Ratios, Inventory Analysis, Profit Margin Calculator, Working Capital Needs, More...

Debt and Credit Cards
Accelerated Debt Payoff, Consolidation Loan Investment Calculator, Cost-of-Debt Calculator, Credit Card Minimum Payment Calculator, Credit Card Optimizer, Credit Card Pay Off, Home Equity Debt Consolidation, How much do you owe?, Personal Debt Consolidation, Roll-Down Your Credit Card Debt!, Student Loan Consolidation and Debt Payoff, More...

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, Health Savings Accounts (HSA) Employer Benefit, More...

Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Balloon Loan Calculator, Debt Consolidation Calculator, Enhanced Loan Calculator, Equity Line of Credit Payments, Existing Loan Calculator, Home Equity Line of Credit Calculator, Line of Credit Payoff, Loan & Credit Line Payment, Loan & Credit Line Tax Savings, Loan Comparison Calculator, Loan Prequalification Calculator, More...

Mortgage
Adjustable Rate Mortgage Calculator, APR Calculator for Adjustable Rate Mortgages, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Balloon Mortgages, Bi-weekly Payment Calculator, Bi-weekly Payments for an Existing Mortgage, Blended Rate Mortgage Calculator, FHA Maximum Financing Calculator, Fixed Rate Mortgage vs. Interest Only Mortgage, Fixed Rate Mortgage vs. LIBOR ARM, Interest Only ARM Calculator, Interest Only Mortgage Calculator, Maximum Mortgage, Mortgage APR Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Debt Consolidation, Mortgage Loan Calculator, Mortgage Loan Calculator (PITI), Mortgage Payoff, Mortgage Points Calculator, Mortgage Qualifier, Mortgage Refinance Break Even, Mortgage Required Income, Mortgage Tax Savings Calculator, Option ARM vs. Fixed Rate Mortgage, Refinance Interest Savings, Rent vs. Buy, Reverse Mortgage Calculator, More...

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

Retirement
How Important is Social Security?, Retirement Planner with Retirement Earnings, Social Security Benefits, More...

Savings
CD Ladder Calculator, Certificate of Deposit Calculator, Compare Savings Rates, Compounding and Your Return, Credit Union Certificate Calculator, Credit Union Certificate Ladder Calculator, More...

Tax
457 Payroll Deductions, Earned Income Credit (EIC) Calculator, Estate Tax Planning, Flexible Spending Account (FSA) Calculator, Hourly Paycheck Calculator, Marginal Tax Rate Calculator, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Self-Employment Tax Calculator, Self-Employment Tax Calculator (Tax Year 2011), Self-Employment Taxes 2010 vs 2011, More...

Auto


Auto Loan Early PayoffFind out how much interest you can save by increasing your monthly auto loan payment.
Auto Rebate vs. Low Interest FinancingUse this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
Auto Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your auto loan.
Bi-weekly Payments for an Auto LoanThis calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
Bi-weekly Payments for an Auto Loan with FeesThis calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
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.
Dealer Financing vs. Credit Union FinancingUse this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.
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!
Low Interest Financing SavingsLow, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save.

Business


Breakeven AnalysisFind out how many and what price you must sell your product at to make a profit.
Business Debt Consolidation CalculatorShould your business consolidate its debt? Use this calculator to find out.
Business Valuation - Discounted Cash FlowThis tool calculates a business valuation based upon the discounted cash flow methodology - illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value.
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.
Commercial Loan CalculatorUse 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.
Debt Service CoverageThis tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.
Equipment Buy vs. LeaseShould you lease your equipment or finance it? Find out with this calculator!
Financial RatiosThis calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
Inventory AnalysisUse this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Profit Margin CalculatorThis calculator can help you determine the selling price for your products to achieve a desired profit margin.
Working Capital NeedsWorking capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

Debt and Credit Cards


Accelerated Debt PayoffConsolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.
Consolidation Loan Investment CalculatorGetting a consolidation loan can do more than payoff your debt. Use this calculator to see the results of paying off your debt and investing your payment savings.
Cost-of-Debt CalculatorUse this calculator to see just how expensive paying interest on your debt can be.
Credit Card Minimum Payment CalculatorUse this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
Credit Card OptimizerThe Credit Card Optimizer helps you determine the best distribution of your credit card debt.
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.
Home Equity Debt ConsolidationThis calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
How much do you owe?Use this calculator as a starting point for your debt management plan.
Personal Debt ConsolidationShould you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Roll-Down Your Credit Card Debt!The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
Student Loan Consolidation and Debt PayoffThe 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 pay off your other outstanding debt.

Insurance


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.
Health Savings Accounts (HSA) Employer BenefitThis calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees.

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!
Balloon Loan CalculatorA balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you.
Debt Consolidation CalculatorShould you consolidate your debt? Use this calculator to find out.
Enhanced Loan CalculatorUse the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Equity Line of Credit PaymentsWhat will my monthly payments be for an interest only equity line of credit?
Existing Loan CalculatorUse 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 CalculatorHow big of a home equity line of credit can you receive? Use this calculator to find out!
Line of Credit PayoffUse 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 PaymentThis calculator helps determine your loan or credit line payment.
Loan & Credit Line Tax SavingsThis calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Loan Comparison CalculatorUse this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
Loan Prequalification CalculatorUse this calculator as your first step in determining your ability to qualify for a loan.

Mortgage


Adjustable Rate Mortgage CalculatorThis calculator helps you to determine what your adjustable mortgage payments will be.
APR Calculator for Adjustable Rate MortgagesUse this calculator to find the APR on your adjustable rate mortgage.
ARM & Interest Only 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.
Balloon MortgagesA balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
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.
Bi-weekly Payments for an Existing MortgageThis calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
Blended Rate Mortgage CalculatorThis calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of a home.
FHA Maximum Financing CalculatorUse this calculator to determine your maximum FHA mortgage and cash needed for closing.
Fixed Rate Mortgage vs. Interest Only MortgageUse this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Fixed Rate Mortgage vs. LIBOR ARMUse this calculator to compare a fixed rate mortgage to a LIBOR ARM.
Interest Only ARM CalculatorInterest only mortgages can provide you with very low monthly payments, however you are not paying off any principal during the interest only period.
Interest Only Mortgage CalculatorUse this calculator to generate an amortization schedule for an interest only mortgage.
Maximum MortgageUse this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage APR CalculatorUse this calculator to find the APR on your mortgage.
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 Debt ConsolidationThis calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
Mortgage Loan CalculatorUse this calculator to determine your monthly payment and amortization schedule.
Mortgage Loan Calculator (PITI)Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) 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 QualifierCan you buy your dream home? Find out just how much you can afford!
Mortgage Refinance Break EvenShould you refinance your mortgage? Use this calculator to determine when you will break even.
Mortgage Required IncomeUse 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 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.
Option ARM vs. Fixed Rate MortgageUse this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. BuyAre you better off buying your home, or should you continue to rent?
Reverse Mortgage CalculatorThis calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time.

Personal Finance


Basic CalculatorThis works just like a pocket calculator.
Basic Financial CalculatorThis works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.
Checkbook BalancerBalance your checkbook with this quick and easy calculator.
Credit AssessmentHow is your credit? Use this calculator for a quick assessment!
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.
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 BudgetThis calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Retirement


How Important is Social Security?Use this calculator to determine how losing this important retirement asset could affect you.
Retirement Planner with Retirement EarningsPlan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there.
Social Security BenefitsUse this calculator to estimate your Social Security benefits.

Savings


CD Ladder CalculatorUse this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.
Certificate of Deposit CalculatorUse this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
Compare Savings RatesEven 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!
Compounding and Your ReturnThis calculator demonstrates how compounding can affect your savings.
Credit Union Certificate CalculatorUse this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance.
Credit Union Certificate Ladder CalculatorUse this calculator to examine the benefits of investing in a series of Certificates with different maturities, also called a Certificate Ladder.

Tax


457 Payroll DeductionsUse this calculator to help you determine the impact of changing your payroll deductions.
Earned Income Credit (EIC) CalculatorUse this calculator to determine if you qualify for the Earned Income Credit and if so, how much it might be worth.
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.
Flexible Spending Account (FSA) CalculatorUse this calculator to see how participating in Flexible Spending Account (FSA) contributions can help you pay less tax, and increase your net take home pay.
Hourly Paycheck CalculatorUse this calculator to help you determine your paycheck for hourly wages.
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.
Self-Employment Tax CalculatorIf you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2013.
Self-Employment Tax Calculator (Tax Year 2011)If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for 2011 (updated for the Tax Hike Prevention Act of 2010).
Self-Employment Taxes 2010 vs 2011If you are self-employed, operate a farm or are a church employee you pay self-employment taxes. Use this calculator to determine how much your Self-employment taxes will decrease