Morris & Bressler, PSC - 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 the decision making process.

Home Equity Loan vs. Auto loan, Lease vs. Buy More...

Breakeven Analysis, Cash Flow Calculator, Commercial Loan Calculator, Equipment Buy vs. Lease, Financial Ratios More...

Health Savings Account (HSA) vs. Traditional Health Plan, Health Savings Accounts (HSA) Employer Benefit More...

Future Value Calculator, Investment Returns, Lump Sum Annual Return Calculator, Lump Sum Present Value Calculator More...

Alternative Payment Frequencies, Amortizing Loan Calculator, Balloon Loan Calculator, Existing Loan Calculator, Line of Credit Payoff More...

Mortgage Loan Calculator, Rent vs. Buy More...

Basic Financial Calculator, Home Budget Analysis, Net Worth More...

401(k) Calculator, Beneficiary Required Minimum Distributions, Roth 401(k) vs. Traditional 401(k), Roth IRA vs. Traditional IRA, Social Security Benefits More...

Benefit of Spending Less, CD Ladder Calculator, Certificate of Deposit Calculator More...

1040 Tax Calculator, Estate Tax Planning, Hourly Paycheck Calculator More...

Business

Breakeven Analysis	Find out how many and what price you must sell your product at to make a profit.
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.
Commercial Loan Calculator	Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved.
Equipment Buy vs. Lease	Should you lease your equipment or finance it? Find out with this calculator!
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.
< Back

Insurance

Health Savings Account (HSA) vs. Traditional Health Plan	Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
Health Savings Accounts (HSA) Employer Benefit	This calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees.
< Back

Investment

Future Value Calculator	Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.
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.
Lump Sum Annual Return Calculator	Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.
Lump Sum Present Value Calculator	Use this calculator to determine the present value of a future lump sum.
< Back

Loan

Alternative Payment Frequencies	Use this calculator to determine your payment or loan amount for different payment frequencies.
Amortizing Loan 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!
Balloon Loan Calculator	A balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you.
Existing Loan Calculator	Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining.
Line of Credit Payoff	Use 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.
< Back

Personal Finance

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.
Home Budget Analysis	Analyze your budget, see where your money goes and find out where you can improve!
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.
< Back

Retirement

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.
Beneficiary Required Minimum Distributions	Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Roth 401(k) vs. Traditional 401(k)	Use this calculator to determine which 401(k) contribution type might be right for you.
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.
< Back

Savings

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.
CD Ladder Calculator	Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.
Certificate of Deposit Calculator	Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
< Back

Tax

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.
Hourly Paycheck Calculator	Use this calculator to help you determine your paycheck for hourly wages.
< Back