Buckley Patchen Riemann & Hall

Interactive financial calculators are fun, educational, and very efficient ways to easily understand otherwise complicated financial issues. Here are some that we provide for your use.

You can scroll through the page or use the quick links below to jump to the appropriate category of calculators.

Taxes
Business Planning
Personal Finance
College Saving
Retirement & Wealth Planning
Estate Planning
Buying a Home
Buying a Car
All Loans

Note: calculator will open in a new browser window.

Taxes

Marginal and Effective Tax Rates
Knowing your income tax rate can help you calculate your tax liability for unexpected income, retirement planning or investment income. This calculator helps you estimate your effective (or average) tax rate, your current tax bracket, and your marginal tax rate.

Payroll Deductions
Use this calculator to help you determine the impact of changing your payroll deductions. You can enter your current payroll information and deductions, and then compare them to your proposed deductions. Try changing your withholdings, filing status or retirement savings and let the payroll deduction calculator show you the impact on your take home pay.

Flexible Spending Account Savings Calculator
Use this calculator to see how participating in your employer's "Flexible Spending Account" can help you pay less tax, and increase your net take home pay.

Business Planning

Sales Volume Break-Even Analyzer
How many units of your product must be sold to make a profit. See a detailed list of the profit generated at each sales volume level.

Commercial Loan Calculator
Use this calculator to see if you qualify for a new commercial loan by evaluating your debt service coverage.

Financial Ratios
Financial ratios are used as indicators that allow you to zero in on areas of your business that may need attention. Take a look at 10 different financial ratios in areas such as solvency, liquidity, operational efficiency and profitability.

Marketing Campaign Profitability Analyzer
Analyze the return on a direct marketing campaign. This interactive calculator will help you determine if your marketing plan will be profitable.

Inventory Analysis
This calculator helps you determine how much inventory you should hold, and when you should place inventory orders.

Personal Finance

Home Budget Analyzer
One of the most important aspects of controlling your budget is to determine where your money is going. This interactive problem solver helps you do just that.

Life Insurance Need Estimator
How much life insurance do you need? Enter your current assets, expenses, income and let us help you determine how much life insurance you need.

Credit Card Pay Off
Find the best repayment options to pay off your credit card balance.

Debt Consolidation Financial Calculator
Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

Savings Calculator
What will it take to reach your savings goal? Enter in your savings plan and view graphically your financial results.

Savings After Inflation And Taxes?
Use this interactive problem solver to determine how much your savings will be worth with these two important variables in mind.

College Saving

College Savings Planner
Saving for your children's education requires a long term plan. And like saving for retirement - the earlier you start your plan the better! Use this calculator to help develop and fine tune your education savings plan.

Retirement & Wealth Planning

Retirement Planner
Do you know what it will take to create a secure retirement? Use this interactive problem solver to help you create your retirement plan.

Social Security Benefits Estimator
Estimate how much money you’ll receive from Social Security when you retire.

Traditional IRA Calculator
An IRA can be an effective retirement tool. Contributing to a Traditional IRA can create a current tax deduction, plus it provides for tax deferred growth.

Required Minimum Distribution
The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually, starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning.

Roth IRA Appraiser
Which is better: a Roth IRA or a Traditional IRA?

Roth IRA Transfer Evaluator
The Roth IRA transfer calculator was designed to show you the effect of transferring a Traditional IRA into a Roth IRA.

Become A Millionaire
What will it take to save one million dollars? Enter in your current savings plan and view graphically your financial results for each year until you retire!

Estate Planning

Estate Tax Planning
Estate tax planning is very important to preserving your wealth for future generations. Knowing your potential estate tax liability is a great place to start your estate tax plan.

Buying a Home

Mortgage Qualifier
The first step in buying a house is determining your budget. This interactive problem solver steps you through the process of finding out how much you can borrow.

Mortgage Refinance Analyzer
Should you refinance your mortgage? Find out how much money you'll save and how long it will take to breakeven on a mortgage refinance?

Mortgage Reduction Analyzer
Save thousands of dollars in interest by increasing your monthly payment. Find out how much sooner you will pay off your mortgage by making extra payments?.

Mortgage Comparison: 15 years vs. 30 years
Determining which mortgage term is right for you can be a challenge. Use this calculator to compare these two mortgage terms, and let us help you decide which term better for you.

Mortgage Points Evaluator

Should you pay points? This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

Buying a Car

Auto Loan Analyzer
Determine how much car you can afford to buy based on your desired monthly payment.

Auto Loan Vs. Home Equity Loan
Home equity loans often have lower interest rates than auto loans and the interest may be tax deductible. Find out how much you can save.

Auto Lease Vs. Buy Analyzer
Should you lease or buy your car? Use this interactive problem solver to find out!

All Loans

Loan Amortization Calculator
Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule.