LIZ HEGARTY CPA, PLLC
CPA, CFP
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 your decision making process.
Auto
Auto Loan Calculator, Lease vs. Buy, More...
Debt and Credit Cards
Credit Card Pay Off, More...

Insurance
Long Term Care Calculator, More...

Investment
Annual Stock Option Grants, Asset Allocation Calculator, Municipal Bond Tax Equivalent Yield, Stock Option Calculator, Taxable vs. Tax Advantaged Investments, More...

Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, More...

Mortgage
Mortgage APR Calculator, Mortgage Loan Calculator, Mortgage Qualifier, Mortgage Required Income, Refinance Interest Savings, More...

Personal Finance
Life Expectancy, Student Budget, More...

Retirement
Beneficiary Required Minimum Distributions, Retirement Planner, Roth IRA Conversion, Roth vs. Traditional IRA, Social Security Benefits, More...

Savings
CD Ladder Calculator, College Savings, Cool Million, Don't Delay Your Savings!, Emergency Savings Calculator, Savings Goals, More...

Tax
Marginal Tax Rate Calculator, Payroll Deductions Calculator, More...

Auto


Auto Loan CalculatorFind 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. BuyShould you lease your next automobile or finance it? Find out with this calculator!

Debt and Credit Cards


Credit Card Pay OffUse 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.

Insurance


Long Term Care CalculatorLong 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.

Investment


Annual Stock Option GrantsUse this calculator to project how much a series of annual stock option grants could be worth to you.
Asset Allocation CalculatorYour age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Municipal Bond Tax Equivalent YieldIncome generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.
Stock Option CalculatorUse this calculator to determine the value of your stock options for the next one to twenty five years.
Taxable vs. Tax Advantaged InvestmentsThis calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.

Loan


Alternative Payment FrequenciesUse this calculator to determine your payment or loan amount for different payment frequencies.
Amortizing Loan CalculatorEnter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!

Mortgage


Mortgage APR CalculatorUse this calculator to find the APR on your mortgage.
Mortgage Loan CalculatorUse this calculator to determine your monthly payment and amortization schedule.
Mortgage QualifierCan you buy your dream home? Find out just how much you can afford!
Mortgage Required IncomeUse this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your mortgage!

Personal Finance


Life ExpectancyThis calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
Student BudgetThis calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Retirement


Beneficiary Required Minimum DistributionsUse this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Retirement PlannerQuickly determine if your retirement plan is on track - and learn how to keep it there.
Roth IRA ConversionThis calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth vs. Traditional IRAUse this calculator to determine which IRA may be right for you.
Social Security BenefitsUse this calculator to estimate your Social Security benefits.

Savings


CD Ladder CalculatorUse this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.
College SavingsUse this calculator to help develop or fine tune your education savings plan.
Cool MillionFind 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 CalculatorThis calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Savings GoalsWhat will it take to reach your savings goal? This financial calculator helps you find out.

Tax


Marginal Tax Rate CalculatorUse 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.
Payroll Deductions CalculatorUse this calculator to help you determine the impact of changing your payroll deductions.