WelcomeFirmAccountantsStaffClient ServicesForm 1099-MISCPayroll ServiceRequired InformationInfo Center/Mileage RatesRefund Status / LinksNewslettersFinancial ToolsContact Us
Lorraine Libby Darling
Certified Public Accountant
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 the decision making process.
Auto
Auto Loan Early Payoff, Auto Rebate vs. Low Interest Financing, Car Loan Calculator, Lease vs. Buy, More...
Business
Breakeven Analysis, Business Debt Consolidation Calculator, Business Valuation - Discounted Cash Flow, Commercial Loan Calculator, Equipment Buy vs. Lease, Financial Ratios, Inventory Analysis, More...

Debt and Credit Cards
Accelerated Debt Payoff, Consolidation Loan Investment Calculator, Cost-of-Debt Calculator, Credit Card Pay Off, Home Equity Debt Consolidation, Student Loan Consolidation and Debt Payoff, More...

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

Investment
Personal Economic Recovery Calculator, More...

Loan
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, More...

Mortgage
Adjustable Rate Mortgage Calculator, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Balloon Mortgages, Fixed Rate Mortgage vs. Interest Only Mortgage, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Debt Consolidation, Mortgage Loan Calculator, Mortgage Points Calculator, Rent vs. Buy, More...

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

Retirement
401(k) Calculator, 401(k) Savings with Profit Sharing, 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.
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!
< Back

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.
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.
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.
< Back

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 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.
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.
< Back

Insurance


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.
< Back

Investment


Personal Economic Recovery CalculatorThis calculator can help you determine exactly what it might take to return your to your original investment balance.
< Back

Loan


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.
< Back

Mortgage


Adjustable Rate Mortgage CalculatorThis calculator helps you to determine what your adjustable mortgage payments will be.
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.
Fixed Rate Mortgage vs. Interest Only MortgageUse this calculator to compare a fixed rate mortgage to Interest Only 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 Points CalculatorShould you buy points? Use this calculator to find out.
Rent vs. BuyAre you better off buying your home, or should you continue to rent?
< Back

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.
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.
< Back

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.
401(k) Savings with Profit SharingUse this calculator to how a 401(k) with profit sharing plan can help you save for retirement..
< Back
WelcomeFirmAccountantsStaffClient ServicesForm 1099-MISCPayroll ServiceRequired InformationInfo Center/Mileage RatesRefund Status / LinksNewslettersFinancial ToolsContact Us