Financial Tools

WELCOME TO OUR "FREE" FINANCIAL TOOLS SECTION

  • Should I refinance my mortgage?
  • How much do I need to save for my child's college education?
  • Do I have enough savings to retire?

Below are some tools to assist you with common financial, tax and accounting issues. While these financial tools are not a substitute for professional advice, they can be used as a starting point in your decision making process.



Financial Calculators


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 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.
Bi-weekly Payment CalculatorThis calculator shows you the possible savings by using an accelerated bi-weekly mortgage payment.
Breakeven Analysis Find out how many and what price you must sell your product at to make a profit.
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.
Buy vs. LeaseShould you lease your next automobile or finance it? Find out with this calculator!
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.
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.
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.
Emergency Savings CalculatorThis calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Financial Ratios 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.
Home BudgetAnalyze your budget, see where your money goes and find out where you can improve!
Inventory Analysis Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
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.
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!
Loan ComparisonUse this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
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.
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 PlannerQuickly determine if your retirement plan is on track - and learn how to keep it there.
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, Taxes, and InflationUse this calculator to determine how much your savings will be worth with these two important variables in mind.
Stock Option Calculator Use this calculator to determine the value of your stock options for the next one to twenty five years.
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 Needs Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.