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 S.K. Income Tax & Accounting, 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
Home Equity Loan vs. Auto loan, Lease vs. Buy, More...
Business
Business Debt Consolidation Calculator, Cash Flow Calculator, Debt Service Coverage, Equipment Buy vs. Lease, Repossession of Real Property, More...

Debt and Credit Cards
Accelerated Debt Payoff, Cost-of-Debt Calculator, Credit Card Minimum Payment Calculator, Credit Card Optimizer, Credit Card Pay Off, Home Equity Debt Consolidation, How much do you owe?, Personal Debt Consolidation, Roll-Down Your Credit Card Debt!, Snowball Debt Elimination Calculator, More...

Insurance
Disability Insurance, Health Savings Account (HSA) Contribution Calculator, Health Savings Account (HSA) vs. Traditional Health Plan, More...

Investment
Annual Stock Option Grants, Investment Property Calculator, REIT Tax-Equivalent Distribution, Stock Option Calculator, More...

Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Debt Consolidation Calculator, Existing Loan Calculator, More...

Mortgage
Bi-weekly Payment Calculator, Bi-weekly Payments for an Existing Mortgage, FHA Mortgage Loan Calculator, Mortgage Debt Consolidation, Mortgage Loan Calculator, Mortgage Loan Calculator (PITI), Mortgage Qualifier, Mortgage Required Income, Refinance Interest Savings, Rent vs. Buy, More...

Personal Finance
Basic Calculator, Basic Financial Calculator, Checkbook Balancer, Credit Assessment, Home Budget Analysis, More...

Retirement
401(k) Savings Calculator, 401(k) Savings with Profit Sharing, 401(k) Spend It or Save It Calculator, How Important is Social Security?, Retirement Nestegg Calculator, Retirement Pension Planner, Retirement Planner with Retirement Earnings, Roth vs. Traditional IRA, Social Security Benefits, More...

Savings
Benefit of Spending Less, College Savings, Credit Union Certificate Calculator, Don't Delay Your Savings!, Emergency Savings Calculator, Lunch Savings, Savings Calculator, More...

Tax
1040 Tax Calculator (Tax Year 2006), 1040 Tax Calculator (Tax Year 2010), Marginal Tax Rate Calculator 2011, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, U.S. 1040EZ Tax Form Calculator, More...

Auto


Home Equity Loan vs. Auto loanUse this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. BuyShould you lease your next automobile or finance it? Find out with this calculator!

Business


Business Debt Consolidation CalculatorShould your business consolidate its debt? Use this calculator to find out.
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.
Debt Service CoverageThis tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.
Equipment Buy vs. LeaseShould you lease your equipment or finance it? Find out with this calculator!
Repossession of Real PropertyIf you have repossessed real property, you can this calculator to determine the gain or loss as well as its new basis.

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.
Cost-of-Debt CalculatorUse this calculator to see just how expensive paying interest on your debt can be.
Credit Card Minimum Payment CalculatorUse this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
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.
Home Equity Debt ConsolidationThis calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
How much do you owe?Use this calculator as a starting point for your debt management plan.
Personal Debt ConsolidationShould 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.
Snowball Debt Elimination CalculatorThis Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule.

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.
Health Savings Account (HSA) Contribution CalculatorThis Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.
Health Savings Account (HSA) vs. Traditional Health PlanCompare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.

Investment


Annual Stock Option GrantsUse this calculator to project how much a series of annual stock option grants could be worth to you.
Investment Property CalculatorAn investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property.
REIT Tax-Equivalent DistributionThis calculator shows a REIT's hypothetical yield and how ROC impacts tax equivalent yield.
Stock Option CalculatorUse this calculator to determine the value of your stock options for the next one to twenty five years.

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!
Debt Consolidation CalculatorShould you consolidate your debt? Use this calculator to find out.
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.

Mortgage


Bi-weekly Payment CalculatorUsing 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.
Bi-weekly Payments for an Existing MortgageThis calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
FHA Mortgage Loan CalculatorUse this calculator to determine your maximum FHA mortgage and cash needed for closing.
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 Loan Calculator (PITI)Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage QualifierCan you buy your dream home? Find out just how much you can afford!
Mortgage Required IncomeUse this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. BuyAre you better off buying your home, or should you continue to rent?

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!

Retirement


401(k) Savings 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..
401(k) Spend It or Save It CalculatorThere 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.
How Important is Social Security?Use this calculator to determine how losing this important retirement asset could affect you.
Retirement Nestegg CalculatorDo you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be.
Retirement Pension PlannerPlan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement Planner with Retirement EarningsPlan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there.
Roth 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.

Savings


Benefit of Spending LessReducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.
College SavingsUse this calculator to help develop or fine tune your education savings plan.
Credit Union Certificate CalculatorUse this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance.
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.
Lunch SavingsUse this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings CalculatorFind out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Tax


1040 Tax Calculator (Tax Year 2006)Use this 1040 tax calculator to help estimate your tax bill using the 2006 tax year's rates and rules.
1040 Tax Calculator (Tax Year 2010)Use this 1040 tax calculator to help estimate your tax bill using the 2010 tax year's rates and rules.
Marginal Tax Rate Calculator 2011Use this calculator to determine your marginal and effective tax rates for tax year 2011. This calculator sorts through the tax brackets and filing options to calculate your true 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.
U.S. 1040EZ Tax Form CalculatorMany 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.
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