HG&A ASSOCIATES, PC
Certified Public Accountants
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.
Auto Loan Early Payoff, Car Loan Calculator, Home Equity Loan vs. Auto loan, Lease vs. Buy
Breakeven Analysis, Business Debt Consolidation Calculator, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Equipment Buy vs. Lease, Financial Ratios, Inventory Analysis, Working Capital Needs
Accelerated Debt Payoff, Consolidation Loan Investment Calculator, Credit Card Optimizer, Credit Card Pay Off, How much do you owe?, Roll-Down Your Credit Card Debt!
Disability Insurance, Life Insurance Calculator, Long Term Care Calculator
Annual Stock Option Grants, Asset Allocation Calculator, Future Contracts Calculator, Investment Loan, Investment Returns, Stock Option Calculator
Alternative Payment Frequencies, Amortizing Loan Calculator, Balloon Loan Calculator, Debt Consolidation Calculator, Enhanced Loan Calculator, Equity Line of Credit Payments, Existing Loan Calculator, Home Equity Line of Credit Calculator, Line of Credit Payoff, Loan & Credit Line Payment, Loan & Credit Line Tax Savings, Loan Comparison Calculator, Loan Prequalification Calculator
ARM & Interest Only ARM vs. Fixed Rate Mortgage, Bi-weekly Payment Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Refinance Break Even, Mortgage Required Income, Refinance Interest Savings, Rent vs. Buy
Basic Calculator, Basic Financial Calculator, Checkbook Balancer, Credit Assessment, Home Budget Analysis, Life Expectancy, Net Worth
Beneficiary Required Minimum Distributions, Pension Plan Retirement Options, Required Minimum Distribution (RMD), Retirement Income, Retirement Pension Planner, Retirement Planner, Roth 401(k) vs. Traditional 401(k), Roth IRA Calculator, Roth IRA Conversion, Roth IRA vs. Traditional IRA, Social Security Benefits, Traditional IRA Calculator
Benefit of Spending Less, Certificate of Deposit Calculator, College Savings, Compound Savings Calculator, Compounding and Your Return, Cool Million, Don't Delay Your Savings!, Emergency Savings Calculator, Lunch Savings, Savings Distribution Calculator, Savings Goals, Savings, Taxes, and Inflation
1040 Tax Calculator, Estate Tax Planning, Flexible Spending Account (FSA) Calculator, Hourly Paycheck Calculator, Marginal Tax Rate Calculator, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, Self-Employment Tax Calculator, U.S. 1040EZ Tax Form Calculator
Auto Loan Early Payoff
Find out how much interest you can save by increasing your monthly auto loan payment.
Car Loan Calculator
Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.
Home Equity Loan vs. Auto loan
Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. Buy
Should you lease your next automobile or finance it? Find out with this calculator!
Find out how many and what price you must sell your product at to make a profit.
Business Debt Consolidation Calculator
Should your business consolidate its debt? Use this calculator to find out.
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.
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.
Equipment Buy vs. Lease
Should you lease your equipment or finance it? Find out with this calculator!
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 how much inventory you should hold, and efficient timing of your inventory orders.
Working Capital Needs
Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.
Accelerated Debt Payoff
Consolidating 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.
Consolidation Loan Investment Calculator
Getting 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.
Credit Card Optimizer
The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
Credit Card Pay Off
Use 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.
How much do you owe?
Use this calculator as a starting point for your debt management plan.
Roll-Down Your Credit Card Debt!
The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
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.
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.
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.
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.
This works just like a pocket calculator.
Basic Financial Calculator
This works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.
Balance your checkbook with this quick and easy calculator.
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!
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.
This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
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).
Use this calculator to help develop or fine tune your education savings plan.
Compound Savings Calculator
Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Compounding and Your Return
This calculator demonstrates how compounding can affect your savings.
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.
Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings Distribution Calculator
Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.
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.
1040 Tax Calculator
Enter your filing status, income, deductions and credits and we will estimate your total tax. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April.
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.
Flexible Spending Account (FSA) Calculator
Use this calculator to see how participating in Flexible Spending Account (FSA) contributions can help you pay less tax, and increase your net take home pay.
Hourly Paycheck Calculator
Use this calculator to help you determine your paycheck for hourly wages.
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.
Net to Gross Paycheck Calculator
Determine the gross paycheck needed to provide a required net amount.
Payroll Deductions Calculator
Use this calculator to help you determine the impact of changing your payroll deductions.
Self-Employment Tax Calculator
If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2019.
U.S. 1040EZ Tax Form Calculator
Many 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.