FINANCIAL TOOLS
Pinto Mucenski Hooper VanHouse & Co CPAs PC Financial Tools
Over 50 Years of Experience
Quick Response Time
Locally-Owned Business
Start Making Sound Financial Decisions
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.
At Pinto Mucenski Hooper VanHouse & Co CPAs PC, we offer 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
- Auto Loan Early Payoff - Learn how much interest you can save by increasing your monthly auto loan payment.
- Auto Rebate vs. Low-Interest Financing - Determine whether you should take advantage of a low-interest financing offer or a manufacturer rebate.
- Bi-Weekly Payments for an Auto Loan - Calculate possible savings with an accelerated bi-weekly payment on your auto loan. This technique can reduce the length of time on your auto loan and save you hundreds or thousands of dollars in interest.
- Bi-Weekly Payments for an Auto Loan with Fees - Find possible savings by using an accelerated bi-weekly payment on your auto loan. This technique can reduce the length of time on your auto loan and save you hundreds or thousands of dollars in interest.
- Car Loan Calculator - Find out what your car payment would be based on your purchase price or find out how much you can afford based on your monthly payment.
- Dealer Financing vs. Credit Union Financing - Find out whether you should take advantage of low-interest dealer financing or credit union financing along with a manufacturer rebate.
- Home Equity Loan vs. Auto Loan - Determine if a home equity loan makes sense for your automobile purchase.
- Lease vs. Buy - Find out whether you should lease or finance your next vehicle.
- Low-Interest Financing Savings - Low, promotional interest rates can help you save money when you finance your vehicle. Determine the best monthly payment and how much interest you can save with this calculator.
-
Business
- Breakeven Analysis - Determine at what price and how many of your products must sell for you to make a profit.
- Business Debt Consolidation Calculator - Find out if your business should consolidate its debt.
- Business Valuation - Discounted Cash Flow - Use this tool to calculate a business valuation based on the discounted cash flow methodology, which illustrates how changes in projected growth and capital assumptions impact the business's Net Present Value.
- Cash Flow Calculator - You need adequate cash flow to keep your business running. Calculate the cash flow generated by your business with this calculator.
- Commercial Loan Calculator - Estimate your debt service coverage with a new loan. You have a good chance of being approved if your debt service coverage is high enough, including your new loan payment.
- Equipment Buy vs. Lease - Find out if you should lease or finance your equipment.
- Financial Ratios - This calculator helps your pinpoint areas of business that may need attention, including solvency, liquidity, operational efficiency, and profitability.
- Inventory Analysis - Determine how much inventory you should hold and the best time to place your inventory orders.
- Like-Kind Exchange - This calculator calculates the recognized loss, gain, and the basis for a Like-Kind Exchange.
- Profit Margin Calculator - Determine the selling price for your products to achieve a desired profit margin.
- Repossession of Personal Property from a Deferred Payment Sale - Use this calculator to determine the gain or loss of the repossessed property from a deferred payment sale.
- Repossession of Personal Property from an Installment Payment Sale - Use this calculator to determine the gain or loss of the repossessed property from an installment payment sale.
- Repossession of Real Property - Use this calculator to determine the gain or loss of your repossessed real property, as well as its new basis.
- Working Capital Needs - Working capital is essential to running your business. Use this calculator to determine your working capital needs for the next year.
-
Debt and Credit Cards
- Accelerated Debt Payoff - Accelerate your debt payoff with this calculator.
- Consolidation Loan Investment Calculator - Use this calculator to determine the results of paying off your debt and investing your payment savings.
- Credit Card Minimum Payment Calculator - Find out how long it will take you to pay off your credit card if you only make the minimum payment.
- Credit Card Optimizer - Determine the best distribution of your credit card debt with this calculator.
- Credit Card Pay Off - Determine what it will take to pay off your credit card balance and what can be changed to meet your repayment goals.
- Home Equity Debt Consolidation - Use this calculator to determine whether it is right to use your home equity to consolidate your debt.
- How Much Do You Owe? - Find the starting point for your debt management plan with this calculator.
- Personal Debt Consolidation - Determine if debt consolidation is the right decision fr you.
- Roll-Down Your Credit Card Debt - This calculator applies two simple principles to paying off your credit card debt.
- Student Loan Consolidation and Debt Payoff - Consolidate your student loans and use the monthly savings to pay off outstanding debt.
-
Insurance
- Comprehensive Life Insurance Analysis - This calculator includes detailed net worth analysis, budgeting, and college savings to help you find out how much life insurance you need.
- Disability Insurance - Determine how much disability insurance you need to cover expenses if you're unable to work.
- Fixed Annuity Calculator - The calculator helps you to see how a fixed annuity might fit into your retirement plan.
- Health Savings Account (HSA) Contribution Calculator - Determine the amount you are allowed to deposit into an HSA account for the current tax year.
- Health Savings Account (HSA) Goal Calculator - Use this calculator to determine what you need to do to reach your goal of using your HSA as a retirement account.
- Health Savings Account (HSA) Savings Calculator - Find out how much your HSA account will be worth over time.
- Health Savings Accounts (HSA) Employer Benefit - Estimate the value of creating a High Deductible Health Plan (HDHP) with Health Savings Accounts for your employees.
- Human Life Value - Understand today's value of your future earnings with this calculator.
- Immediate Annuity Calculator - Find out what your monthly payments might be from an immediate annuity.
- Life Insurance Calculator - Determine how much life insurance you really need.
- Long-Term Care Calculator - Use this calculator to determine if you're financially prepared for the impending expense of long-term care.
- Variable Annuity Calculator - Use this calculator to find out how much a variable annuity can help you to save for retirement.
-
Investment
- Annual Stock Option Grants - Find out how much a series of annual stock option grants could be worth to you.
- Asset Allocation Calculator - Calculate a desirable mix of stocks, bonds, and cash using your age, ability to tolerate risk, and other factors.
- Compare Investment Fees - Use this calculator to determine how different fees affect your investment strategy.
- Future Contracts Calculator - Determine the number of futures contracts you may wish to purchase based on your account equity and trading plan.
- Investment Distributions - 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 find out if your investment plan is on track to meet your goals.
- Investment Loan - Use this calculator to see the effect of using a loan to purchase an investment or appreciable asset.
- Investment Returns - Use this calculator to see how inflation, taxes, and your time horizon can impact your bottom line.
- Investment Savings and Distributions - Find out how long your investment savings can last once you begin taking distributions.
- Municipal Bond Tax Equivalent Yield - Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.
- Mutual Fund Expense Calculator - Use this calculator to analyze the costs associated with buying shares in a mutual fund.
- Stock Option Calculator - Determine the value of your stock options for the next one to twenty-five years with this calculator.
- Taxable vs. Tax Deferred vs. Tax-Free Investment - Use this calculator to compare a normal taxable investment, a tax-deferred investment, and a tax-free investment.
-
Loan
- Alternative Payment Frequencies - Determine your payment or loan amount for different payment frequencies.
- Amortizing Loan Calculator - Enter your desired payment and calculate your loan amount OR enter the loan amount and calculate your monthly payment.
- Balloon Loan Calculator - Use this calculator to see how a balloon loan might work for you.
- Debt Consolidation Calculator - Find out if you should consolidate your debt.
- Enhanced Loan Calculator - Use the sliders to instantly change your monthly payment, loan amount, interest rate, or term.
- Equity Line of Credit Payments - Find out what your monthly payments will be for an interest-only equity line of credit.
- Existing Loan Calculator - Analyze one of your existing loans with this calculator to determine your remaining balance based on the number of monthly payments you have remaining.
- Home Equity Line of Credit Calculator - Find out how big of a home equity line of credit you can receive.
- Line of Credit Payoff - See what it will take to pay off your line of credit and what you can do to meet your repayment goals.
- Loan and Credit Line Payment - Determine your loan or credit line payment.
- Loan and Credit Line Tax Savings - Determine your tax savings on loans or credit lines with tax-deductible interest payments.
- Loan Comparison Calculator - Sort through the monthly payments, fees, and other costs when comparing loan options.
- Loan Prequalification Calculator - Use this calculator to determine your ability to qualify for a loan.
-
Mortgage
- Adjustable Rate Mortgage Calculator - Determine what your adjustable mortgage payments will be.
- APR Calculator for Adjustable Rate Mortgages - Find the APR on your adjustable rate mortgage.
- ARM and Interest Only ARM vs. Fixed Rate Mortgage - Compare a fixed rate mortgage to two types of ARMs.
- Balloon Mortgages - Use this calculator to determine if a balloon mortgage suits your needs.
- Bi-Weekly Payment Calculator - Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
- Bi-Weekly Payments for an Existing Mortgage - See the possible savings by starting to pay your current mortgage with bi-weekly payments rather than monthly payments.
- Blended Rate Mortgage Calculator - 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.
- Fixed Rate Mortgage vs. Interest Only Mortgage - Compare a Fixed Rate Mortgage to Interest Only Mortgage.
- Fixed Rate Mortgage vs. LIBOR ARM - Compare a fixed rate mortgage to a LIBOR ARM.
- Interest-Only ARM Calculator - See how interest-only mortgages can provide you with very low monthly payments. You are not paying off any principal during the interest-only period.
- Interest-Only Mortgage Calculator - Generate an amortization schedule for an interest-only mortgage.
- Maximum Mortgage - Determine your maximum mortgage and how different interest rates affect the amount you can borrow.
- Mortgage APR Calculator - Determine the APR on your mortgage.
- Mortgage Comparison: 15 Years vs. 30 Years - Compare these two mortgage terms to help decide which term is better for you.
- Mortgage Debt Consolidation - Determine whether using a mortgage to consolidate your debt is right for you.
- Mortgage Loan Calculator - Determine your monthly loan payment and amortization schedule.
- Mortgage Loan Calculator (PITI) - Determine your monthly mortgage principal, interest, taxes, and insurance payment (PITI), as well as the amortization schedule.
- Mortgage Payoff - Learn how you can save money on interest by increasing your monthly mortgage payment.
- Mortgage Points Calculator - Use this calculator to find out if you should buy points.
- Mortgage Qualifier - Find out how much home you can afford.
- Mortgage Refinance Break Even - Find out when you will break even on your mortgage to determine if you should refinance.
- Mortgage Required Income - Determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
- Mortgage Tax Savings Calculator - Determine how much your mortgage could save you in income taxes.
- Option ARM vs. Fixed Rate Mortgage - Determine how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
- Refinance Interest Savings - Find out how much interest you can save by refinancing your mortgage.
- Rent vs. Buy - Find out if you are better off buying your home or if you should continue to rent.
-
Personal Finance
- Basic Calculator - Use this as a pocket calculator.
- Basic Financial Calculator - This calculator can calculate present value, future value, payments, or the number of periods.
- Checkbook Balancer - Use the calculator to quickly and easily balance your checkbook.
- Credit Assessment - Use this calculator for a quick assessment of your credit.
- Home Budget Analysis - See where your money goes and how you can improve.
- Life Expectancy - Get an idea of your life expectancy based on your current age, smoking habits, gender, and a number of other important lifestyle choices.
- Net Worth - Determine your net worth and estimate how your net worth could grow or shrink in the next 10 years.
- Should My Spouse Work? - Learn the financial impact of having either one or two incomes for your household.
- Student Budget - Understand your expenses and income while attending a university, college, or other full-time educational institution.
-
Retirement
- 401(k) Calculator - Use this calculator to see why a 401(k) is a retirement savings plan you cannot afford to skip.
- 401(k) Savings with Profit Sharing - Find out how a 401(k) with profit sharing plan can help you save for retirement.
- 401(k) Spend It or Save It Calculator - Find out how to manage your 401(k) when you leave an employer.
- 403(b) Savings Calculator - Learn how a 403(b) can be one of your best tools for creating a secure retirement. This is for employees of non-profit tax-exempt organizations.
- 457 Savings Calculator - Use this calculator to see why a 457 Savings plan is something you cannot afford to pass up.
- 72(t) Calculator - Use this calculator to determine your allowable 72T Distribution and find out how it can help fund your early retirement.
- 72(t) Distribution Impact - Use this calculator to examine the effects of 72T distributions on your retirement plan balance.
- Beneficiary Required Minimum Distributions - Determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
- Company Stock Distribution Analysis Calculator - If you own company stock in a retirement plan, find out how you can take advantage of using the long-term capital gains tax rate rather than your ordinary income tax rate on this investment.
- How Important is Social Security? - Determine how losing Social Security could affect you.
- Individual 401(k) Contribution Comparison - Determine your maximum Individual 401(k) contribution as compared to three other possible plan options.
- Individual 401(k) Savings Calculator - See the benefits of an Individual 401(k) for the self-employed.
- Pension Plan Retirement Options - Decide between joint survivorship and single survivorship pension options.
- Required Minimum Distribution (RMD) - Determine your Required Minimum Distributions (RMD) as an account owner of a retirement account, and look at potential future year's distribution requirements.
- Required Minimum Distribution (RMD) for Current Year - Determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.
- Retirement Contribution Effects on Your Paycheck - Learn how increasing your contributions to a 401(k), 403(b), or 457 plan can affect your paycheck as well as your retirement.
- Retirement Income - Determine how much monthly income your retirement savings may provide you in your retirement.
- Retirement Nest Egg Calculator - This calculator helps you determine what size your retirement nest egg should be.
- Retirement Pension Planner - Plan your retirement with a company pension, see if you are on track, and find out how to stay there.
- Retirement Planner - Determine if your retirement plan is on track and find out how to keep it there.
- Retirement Shortfall - Use this calculator to find potential shortfalls in your current retirement savings plan.
- RMD and Stretch IRA Calculator - Determine how you can stretch out your retirement plan distributions for as long as possible.
- Roth 401(k) vs. Traditional 401(k) - Determine which 401(k) contribution type is right for you.
- Roth IRA Calculator - Compare the Roth IRA to an ordinary taxable investment.
- Roth IRA Conversion - See the advantage, if any, of converting your IRA to a Roth.
- Roth IRA vs. Traditional IRA - Find out which IRA may be right for you.
- Roth vs. Traditional 401(k) and Your Paycheck - See how a Roth vs. Traditional 401(k) might affect your paycheck as well as your retirement savings.
- Social Security Benefits - Estimate your Social Security benefits with this calculator.
- Traditional IRA Calculator - Find out how contributing to a regular IRA can help you in your retirement.
-
Savings
- Benefits of Spending Less - Determine just how much your budget reductions may be worth with this calculator.
- CD Ladder Calculator - Examine the benefits of investing in a series of Certificates of Deposits with different maturities, also known as a CD Ladder.
- Certificate of Deposit Calculator - Find out how much interest you can earn on a Certificate of Deposit (CD).
- College Savings - Develop or fine-tune your education savings plan.
- Compare Savings Rates - Use this calculator to see how different savings rates can impact your savings strategy.
- Compound Savings Calculator - Find out how consistent investments over several years can be an effective strategy to accumulate wealth.
- Compounding and Your Return - See how compounding can affect your savings.
- Cool Million - Determine when your savings plan may make you a millionaire.
- Credit Union Certificate Calculator - Find out how much you can earn on a Certificate by calculating your Annual Percentage Yield (APY) and ending balance.
- Don't Delay Your Savings - Use this calculator to show how much postponing your savings plan can really cost.
- Emergency Savings Calculator - Determine how much emergency savings you may need, and how you can begin saving toward this important goal.
- Lunch Savings - See how a simple change such as bringing a packed lunch to work can really add up in savings.
- Savings Distribution Calculator - Determine your savings balance after a series of monthly, quarterly, or annual withdrawals.
- Savings Goals - Use this calculator to find out what it will take to reach your savings goal.
- Savings, Taxes, and Inflation - Determine how much your savings will be worth with these two important variables in mind.
-
Tax
- 1040 Tax Calculator - Estimate your total tax by entering your filing status, income, deductions, and credits. We can also estimate your tax refund or the amount you may owe the IRS next April.
- 457 Payroll Deductions - Determine the impact of changing your payroll deductions.
- Earned Income Credit (EIC) Calculator - Determine if you qualify for the Earned Income Credit and how much it might be worth.
- Estate Tax Planning - Estimate your estate tax liability with this calculator.
- Flexible Spending Account (FSA) Calculator - See how participating in Flexible Spending Account (FSA) contributions can help you pay less tax and increase your net take-home pay.
- Hourly Paycheck Calculator - Determine your paycheck for hourly wages.
- Marginal Tax Rate Calculator - Determine your marginal and effective tax rates, and sort through the tax brackets and filing options to calculate your true tax liability.
- Net to Gross Paycheck Calculator - Find out the gross paycheck needed to provide a required net amount.
- Payroll Deductions Calculator - Determine the impact of changing your payroll deductions.
- Self-Employment Tax Calculator - determine your self-employment taxes for the current tax year if you are self-employed, operate a farm, or are a church employee.
- U.S. 1040EZ Tax Form Calculator - With only 7 required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.
Helpful Links and Resources
Trying to find resources on the Internet can sometimes be a frustrating experience, so we've compiled a list of sites below that we've found to be helpful.
Tax
- The Internal Revenue Service - Visit the home of the IRS online.
- Check IRS Refund Status - Track your federal refund on the IRS website.
- New York Department of Taxation & Finance - Visit the website for NY Department of Taxation and Finance.
- New York: Check Refund Status - Track your NY state tax return.
News
- MSNBC - Microsoft & NBC - Get up-to-the-minute news with additional audio and video clips.
Financial
- Money Magazine - Visit Money Magazine's online edition for great financial information.
Use Our Financial Calculators
Call us for more information!
(315) 265-6080
(315) 265-6080
POTSDAM LOCATION
42 Market St
PO Box 109
Potsdam, NY 13676
Main Phone: (315) 265-6080
Fax: (315) 265-3530
MASSENA LOCATION
443 S. Main St
PO Box 109
Massena, NY 13662
Phone:
(315) 769-7430
Fax:
(315) 769-8377
OGDENSBURG LOCATION
301 Ford Street
PO Box 327
Ogdensburg, NY 13669
Phone: (315) 393-7502
Fax: (315) 393-9231
Privacy Policy
| Do Not Share My Information
| Conditions of Use
| Notice and Take Down Policy
| Website Accessibility Policy
© 2024
The content on this website is owned by us and our licensors. Do not copy any content (including images) without our consent.
Share On: