Harden, Cummins, Moss & Miller, LLC - Certified Public Accountants in Chillicothe

Tom Ashbrook, Mike Turner, Glenda Noble, and Daryl Weidner in Chillicothe (5310 bytes)

Ron Schaper and Dennis Sidwell in Kirksville (4091 bytes)

Financial Calculators

Home Financing Calculators

Mortgage Loan Calculator

- Use this calculator to determine your monthly payment and amortization schedule.

Mortgage Qualifier

- Can you buy your dream home? Find out just how much you can afford!

Refinance Breakeven

- Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Rent vs. Buy

- Are you better off buying your home, or should you continue to rent?

Mortgage Payoff

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

15 Year vs. 30 Year Mortgage

- Use this calculator to compare these two mortgage terms, and let us help you decide which is term better for you.

Adjustable Rate Mortgage Calculator

- This calculator helps you to determine what your adjustable mortgage payments will be.

Balloon Mortgage

- A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.

Mortgage Required Income

- Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.

Maximum Mortgage

- Use this calculator to determine your maximum a mortgage and how different interest rates affect your how much you can borrow.

Arm vs. Fixed Rate Mortgage

- Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

Home Equity vs. Auto loan

- Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.

Bi-Weekly Payment Calculator

- Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.

Mortgage APR Calculator

- Use this calculator to find the APR on your mortgage.

Personal Finance Calculators

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!

Alternative Payment Frequencies

- Use this calculator to determine your payment or loan amount for different payment frequencies.

Enhanced Loan Calculator

- Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.

Loan Prequalification Calculator

- Use this calculator as your first step in determining your ability to qualify for a loan.

How much do you owe?

- Use this calculator as a starting point for your debt management plan.

Rolldown your Credit Card Debt

- The Credit Card Rolldown Calculator applies two simple principles to paying off 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.

Auto Loans

- Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!

Lease vs. Buy

- Should you lease your next automobile or finance it? Find out with this calculator!

Net Worth Calculator

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

Life Insurance Calculator

- How much life insurance do you really need? Find out here!

Auto Rebate vs. Low Interest Financing

- Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.

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.

Retirement Finance Calculators

Social Security

- Use this calculator to estimate your Social Security benefits.

Retirement Planner

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

Retirement Income Calculator

- Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.

Roth vs. Traditional IRA

- Use this calculator to determine which IRA is right for you.

Roth IRA Calculator

- Use this calculator to compare the Roth IRA to an ordinary taxable investment.

Traditional IRA Calculator

- How can contributing to a regular IRA help you in your retirement?

Roth IRA Conversion

- This calculator will show the advantage, if any, of converting your IRA to a Roth.

401k Savings 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 can not afford to pass up.

Retirement Shortfall Calculator

- 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 short fall in your current retirement savings plan.

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.

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.

Savings Finance Calculators

College Savings

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

Savings Goals

- What will it take to reach your savings goal? This financial calculator helps you find out.

Savings Calculator

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

Savings, Taxes and Inflation

- Use this calculator to determine how much your savings will be worth with these two important variables in mind.

Cool Million

- Find out when your savings plan will make you a millionaire!

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.

Home Budget

- Analyze your budget, see where your money goes and find out where you can improve!

Business Finance Calculators

Breakeven Analysis

- Find out how many and what price you must sell your product at to make a profit.

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.

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.

Business Valuation

- Enter your cash flow information, your cost of capital and your growth rate to determine your business NPV valuation.

Equipment Buy vs. Lease

- Should you lease your equipment or finance it? Find out with this calculator!

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.

Asset Allocator

- Your age, ability to tolerate risk, and several other factors are used to calculate a desirable mix of stocks, bonds and cash.

Line of Credit Payoff

- Use this calculator to see what it will take to payoff your line of credit, and what you can change to meet your repayment goals.

Loan & Credit Line Tax Savings

- This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.

Profit Margin Calculator

- This calculator can help you determine the selling price for your products to achieve a desired profit margin.

Working Capital Needs

- Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

Tax Estimators Calculators

1040 Tax Calculator

- How much in income taxes will you pay? Use this 1040 tax calculator to help determine your tax bill for 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.

Payroll Deductions

- Use this calculator to help you determine the impact of changing your payroll deductions.

Self Employment Taxes

- If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes.

Net to Gross Paycheck Calculator

- This calculator helps you determine the gross paycheck needed to provide an required net amount.

CPA Website Tools powered by Service2Client LLC

Please note that all financial calculators require a JAVA enabled browser and require the JAVA installation to be up to date. Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.