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 professional advisors at PGM, P.A., they can be used as a starting point in your decision making process. However, errors can occur and applicable laws and regulations frequently change. Peltier, Gustafson & Miller, P.A. assumes no responsibility for loss sustained by any individual acting or refraining from acting as a result of the material contained within this site.
Financial Calculators
Find out how much interest you can save by increasing your monthly auto loan payment.
Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.
Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Should you lease your next automobile or finance it? Find out with this calculator!
Find out how many and what price you must sell your product at to make a profit.
This 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.
Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business.
Should you lease your equipment or finance it? Find out with this calculator!
Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Use this calculator to see just how expensive paying interest on your debt can be.
Use 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.
This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out.
A fixed annuity can provide a secure, tax-deferred investment. Use this calculator to see how a fixed annuity might fit into your retirement plan.
This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.
Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
This calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees.
Find out how much life insurance you really need!
Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.
Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.
Use this calculator to see how long your investment savings can last once you begin taking distributions.
Use this calculator to determine the value of your stock options for the next one to twenty five years.
Use this calculator to determine your payment or loan amount for different payment frequencies.
Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
Should you consolidate your debt? Use this calculator to find out.
How big of a home equity line of credit can you receive? Use this calculator to find out!
This calculator helps determine your loan or credit line payment.
Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Use this calculator to determine your monthly payment and amortization schedule.
Save thousands of dollars in interest by increasing your monthly mortgage payment.
Should you buy points? Use this calculator to find out.
Should you refinance your mortgage? Use this calculator to determine when you will break even.
Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
Interest 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.
Use this calculator to see how much interest you can save by refinancing your mortgage!
This works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.
Balance your checkbook with this quick and easy calculator.
Analyze your budget, see where your money goes and find out where you can improve!
This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
A 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.
There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.
Use this calculator to help determine whether a Roth or Pre-tax 457 might be best for you.
Use this calculator to determine how losing this important retirement asset could affect you.
Spending your IRA before your retire can be a costly decision. See how taking your out IRA early could cost you thousands of dollars both in taxes and lost earnings.
Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Quickly determine if your retirement plan is on track - and learn how to keep it there.
Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.
Use this calculator to compare the Roth IRA to an ordinary taxable investment.
This calculator will show the advantage, if any, of converting your IRA to a Roth.
Use this calculator to determine which IRA may be right for you.
Use this calculator to estimate your Social Security benefits.
How can contributing to a regular IRA help you in your retirement?
Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.
Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
Use this calculator to help develop or fine tune your education savings plan.
This calculator demonstrates how compounding can affect your savings.
Find out when your savings plan may make you a millionaire!
What will it take to reach your savings goal? This financial calculator helps you find out.
Use this calculator to determine how much your savings will be worth with these two important variables in mind.
Enter your filing status, income, deductions and credits and we will estimate your total tax. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April.
Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability.
Use this calculator to help you determine the impact of changing your payroll deductions.
If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2019.
Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.