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Financial Tools
For your convenience, Numerical has provided the following interactive financial calculators to assist you with personal decisions that will affect your household finances. As accounting professionals, these are some of the questions that are posed to us on a daily basis. 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.

If you would like to make an appointment to consult with a Numer1cal professional, please call us at the phone number listed on our Contact page.

Auto
Car Loan Calculator, Lease vs. Buy, More...
Business
Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Equipment Buy vs. Lease, Financial Ratios, More...

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

Insurance
Disability Insurance, Life Insurance Calculator, Long Term Care Calculator, More...

Investment
Stock Option Calculator, More...

Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Enhanced Loan Calculator, Home Equity Line of Credit Calculator, Loan & Credit Line Payment, More...

Mortgage
Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Points Calculator, Mortgage Qualifier, Mortgage Refinance Break Even, Refinance Interest Savings, More...

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

Retirement
401(k) Calculator, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Retirement Income, Retirement Pension Planner, Retirement Planner, Roth IRA Calculator, Roth IRA Conversion, Roth IRA vs. Traditional IRA, Social Security Benefits, Traditional IRA Calculator, More...

Savings
College Savings, Compounding and Your Return, Cool Million, Don't Delay Your Savings!, Emergency Savings Calculator, Savings Calculator, Savings Goals, More...

Tax
Estate Tax Planning, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Self-Employment Tax Calculator, 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.
Lease vs. BuyShould you lease your next automobile or finance it? Find out with this calculator!
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Business


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.
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.
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Debt and Credit Cards


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.
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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.
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.
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Investment


Stock Option CalculatorUse this calculator to determine the value of your stock options for the next one to twenty five years.
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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!
Enhanced Loan CalculatorUse the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Home Equity Line of Credit CalculatorHow big of a home equity line of credit can you receive? Use this calculator to find out!
Loan & Credit Line PaymentThis calculator helps determine your loan or credit line payment.
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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 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 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.
Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your mortgage!
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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.
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Retirement


401(k) 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.
Pension Plan Retirement OptionsUse 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.
Retirement IncomeUse this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
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 IRA 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?
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Savings


College SavingsUse this calculator to help develop or fine tune your education savings plan.
Compounding and Your ReturnThis calculator demonstrates how compounding can affect your savings.
Cool MillionFind 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 CalculatorThis calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Savings CalculatorFind out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Savings GoalsWhat will it take to reach your savings goal? This financial calculator helps you find out.
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Tax


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.
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.
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