SANDBERG & CREEDEN P.C. Certified Public Accountants
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 your decision making process.
Auto Loan Early Payoff, Car Loan Calculator, Home Equity Loan vs. Auto loan, Lease vs. Buy
Breakeven Analysis, Business Debt Consolidation Calculator, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Equipment Buy vs. Lease, Financial Ratios, Inventory Analysis, Working Capital Needs
Accelerated Debt Payoff, Consolidation Loan Investment Calculator, Credit Card Optimizer, Credit Card Pay Off, How much do you owe?, Personal Debt Consolidation, Roll-Down Your Credit Card Debt!
Disability Insurance, Life Insurance Calculator, Long Term Care Calculator, Variable Annuity Calculator
Annual Stock Option Grants, Asset Allocation Calculator, Future Contracts Calculator, Investment Loan, Investment Returns, Stock Option Calculator
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
Adjustable Rate Mortgage Calculator, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Balloon Mortgages, Bi-weekly Payment Calculator, Maximum Mortgage, Mortgage APR Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Points Calculator, Mortgage Qualifier, Mortgage Refinance Break Even, Mortgage Required Income, Mortgage Tax Savings Calculator, Refinance Interest Savings, Rent vs. Buy
Checkbook Balancer, Credit Assessment, Home Budget Analysis, Life Expectancy, Net Worth
401(k) Calculator, 401(k) Spend It or Save It Calculator, 403(b) Savings Calculator, 72(t) Calculator, Beneficiary Required Minimum Distributions, How Important is Social Security?, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Retirement Income, Retirement Pension Planner, Retirement Planner, Retirement Shortfall, Roth IRA Calculator, Roth IRA Conversion, Roth IRA vs. Traditional IRA, Social Security Benefits, Traditional IRA Calculator
Benefit of Spending Less, Certificate of Deposit Calculator, College Savings, Compound Savings Calculator, Compounding and Your Return, Cool Million, Don't Delay Your Savings!, Emergency Savings Calculator, Lunch Savings, Savings Distribution Calculator, Savings Goals, Savings, Taxes, and Inflation
1040 Tax Calculator, Estate Tax Planning, Marginal Tax Rate Calculator, Payroll Deductions Calculator, Self-Employment Tax Calculator, U.S. 1040EZ Tax Form Calculator
Auto Loan Early Payoff
Find out how much interest you can save by increasing your monthly auto loan payment.
Car Loan Calculator
Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.
Home Equity Loan vs. Auto loan
Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. Buy
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.
Business Debt Consolidation Calculator
Should your business consolidate its debt? Use this calculator to find out.
Business Valuation - Discounted Cash Flow
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.
Cash Flow Calculator
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.
Equipment Buy vs. Lease
Should you lease your equipment or finance it? Find out with this calculator!
This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Working Capital Needs
Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.
Accelerated Debt Payoff
Consolidating 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 Calculator
Getting 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.
Credit Card Optimizer
The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
Credit Card Pay Off
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.
How much do you owe?
Use this calculator as a starting point for your debt management plan.
Personal Debt Consolidation
Should 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.
Use 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 Calculator
Find out how much life insurance you really need!
Long Term Care Calculator
Long 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.
Variable Annuity Calculator
How can a variable annuity help you save for retirement? Use this calculator to find out.
Annual Stock Option Grants
Use this calculator to project how much a series of annual stock option grants could be worth to you.
Asset Allocation Calculator
Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Future Contracts Calculator
Use this calculator to determine the number of futures contracts you may wish to purchase based on your account equity and trading plan.
This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk.
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.
Stock Option Calculator
Use this calculator to determine the value of your stock options for the next one to twenty five years.
Adjustable Rate Mortgage Calculator
This calculator helps you to determine what your adjustable mortgage payments will be.
ARM & Interest Only ARM vs. Fixed Rate Mortgage
Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
A 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 Calculator
Using 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.
Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage APR Calculator
Use this calculator to find the APR on your mortgage.
Mortgage Comparison: 15 Years vs. 30 Years
Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Loan Calculator
Use this calculator to determine your monthly payment and amortization schedule.
Save thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Points Calculator
Should you buy points? Use this calculator to find out.
Can you buy your dream home? Find out just how much you can afford!
Mortgage Refinance Break Even
Should you refinance your mortgage? Use this calculator to determine when you will break even.
Mortgage Required Income
Use 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 Calculator
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.
Refinance Interest Savings
Use this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. Buy
Are you better off buying your home, or should you continue to rent?
Balance your checkbook with this quick and easy calculator.
How is your credit? Use this calculator for a quick assessment!
Home Budget Analysis
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.
401(k) Spend It or Save It Calculator
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.
403(b) Savings Calculator
If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement.
The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement.
Beneficiary Required Minimum Distributions
Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
How Important is Social Security?
Use this calculator to determine how losing this important retirement asset could affect you.
Pension Plan Retirement Options
Use 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.
Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Pension Planner
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.
Roth IRA Calculator
Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA Conversion
This calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth IRA vs. Traditional IRA
Use this calculator to determine which IRA may be right for you.
Social Security Benefits
Use this calculator to estimate your Social Security benefits.
Traditional IRA Calculator
How can contributing to a regular IRA help you in your retirement?
Benefit of Spending Less
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.
Certificate of Deposit Calculator
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.
Compound Savings Calculator
Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Compounding and Your Return
This calculator demonstrates how compounding can affect your savings.
Find 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 Calculator
This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings Distribution Calculator
Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.
What will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes, and Inflation
Use this calculator to determine how much your savings will be worth with these two important variables in mind.
1040 Tax Calculator
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.
Estate Tax Planning
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.
Marginal Tax Rate Calculator
Use 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.
Payroll Deductions Calculator
Use this calculator to help you determine the impact of changing your payroll deductions.
Self-Employment Tax Calculator
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.
U.S. 1040EZ Tax Form Calculator
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.