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Accountants and Advisors, LLC

Mortgage Calculators

Mortgage Payoff

Save thousands of dollars in interest by increasing your monthly mortgage payment.

Investment Calculators

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.

Investment Loan

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.

Investment Returns

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.

Retirement Savings and Planning

401(k) Calculator

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.

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.

Retirement Income

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.

Retirement Planner

Quickly determine if your retirement plan is on track - and learn how to keep it there.

Retirement Shortfall

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?

Tax Calculators

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.

Savings Calculators

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).

College Savings

Use this calculator to help develop or fine tune your education savings plan.

Compounding and Your Return

This calculator demonstrates how compounding can affect your savings.

Cool Million

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.

Lunch Savings

Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.

Savings Calculator

Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Savings Distribution Calculator

Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.

Savings Goals

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.

Personal Finance

Checkbook Balancer

Balance your checkbook with this quick and easy calculator.

Credit Assessment

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!

Life Expectancy

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.

Net Worth

This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

Insurance Calculators

Disability Insurance

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.


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