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 your decision making process.

Financial Calculators

Find out how many and what price you must sell your product at to make a profit.

Should you lease your next automobile or finance it? Find out with this 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.

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 your monthly payment and amortization schedule.

Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
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.
Amortizing Loan CalculatorEnter your desired payment and its frequency- and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your loan payment!
Annual Stock Option GrantsUse this calculator to project how much a series of annual stock option grants could be worth to you.
Asset Allocation CalculatorYour age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Auto Loan CalculatorFind out how much automobile you can buy based on your weekly, bi-weekly or monthly payment, or find out your loan payment based on your purchase price!
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.
Bi-weekly Payment CalculatorThis calculator shows you the possible savings by using an accelerated bi-weekly mortgage payment.
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.
Buy vs. LeaseShould you lease your next automobile or finance it? Find out with this calculator!
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.
Cheque book BalancerBalance your cheque book with this quick and easy calculator.
Compare Investment FeesEven a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy!
Compare Savings RatesEven a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!
Compound InterestThis calculator demonstrates how compounding can affect your savings.
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.
Cool MillionFind out when your savings plan will make you a millionaire!
Credit AssessmentHow is your credit? Use this calculator for a quick assessment!
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.
Credit LineHow big a line of credit can you receive? Use this calculator to find out!
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.
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.
Education SavingsUse this calculator to help develop or fine-tune your education savings plan.
Emergency Savings CalculatorThis calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Enhanced Loan CalculatorUse the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Equipment Buy vs. LeaseShould you lease your next equipment or finance it? Find out with this calculator!
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.
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.
Home BudgetAnalyze your budget, see where your money goes and find out where you can improve!
How much do you owe?Use this calculator as a starting point for your debt management plan.
Human Life ValueOne of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today’s value of your future earning.
Inventory AnalysisUse this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Investment DistributionsThis calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out.
Investment Goal CalculatorUse this calculator to see if your investment plan is on track to meet your investment goals and receive suggestions on how to change it if you are falling short.
Investment LoanThis 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.
Investment ReturnsThere 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.
Investment Savings and DistributionsUse this calculator to see how long your investment savings can last once you begin taking distributions.
Investor Profile QuestionnaireThe Investor Profile Questionnaire is designed to help you create a balanced portfolio of investments.
Life Expectancy CalculatorThis calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
Life InsuranceFind out how much life insurance you really need!
Line of Credit and Loan PaymentsThis calculator helps determine your loan or line of credit payment.
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 ComparisonUse this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
Loan Prequalification CalculatorUse this calculator as your first step in determining your ability to qualify for a loan.
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.
Low Interest Financing SavingsLow, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save.
Lunch SavingsUse this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Mortgage CalculatorUse this calculator to determine your monthly payment and amortization schedule.
Mortgage CompareUse this calculator to compare mortgage terms, rates and amounts. Let us help you decide which loan is better for you.
Mortgage PayoffSave thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage QualifierThis calculator helps you determine just how much house you can afford.
Mortgage Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your mortgage!
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.
Personal Debt ConsolidatorShould you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Rent vs. BuyAre you better off buying your home, or should you continue to rent?
Retirement IncomeUse this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
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 PlannerQuickly determine if your retirement plan is on track – and learn how to keep it there.
Roll-Down Your Credit Card Debt!The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
RRIF Payment CalculatorThis calculator is designed to help you calculate different payment options from your Registered Retirement Income Fund (RRIF).
RRSP Loan CalculatorAn RRSP loan can be an excellent way to jump start your retirement savings. Use this calculator to see how an RRSP loan could help your retirement savings plan.
Savings CalculatorFind out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Savings GoalWhat will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes, and InflationUse this calculator to determine how much your savings will be worth with these two important variables in mind.
Stock Option CalculatorUse this calculator to determine the value of your stock options for the next one to twenty five years.
Student Budget CalculatorThis calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.
Tax Free Savings Account (TFSA) ComparisonThis calculator is designed to help compare a Tax Free Savings Account (TFSA) to a Registered Retirement Account (RRSP) and an ordinary taxable savings account.
Taxable vs. Tax Advantaged InvestmentsThis calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.
Working Capital NeedsWorking capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.