GARY T. AMATO, CPA, P.C.
Financial Tools
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
Car Loan Calculator, Home Equity Loan vs. Auto loan, Lease vs. Buy, More...
Business
Breakeven Analysis, Business Valuation - Discounted Cash Flow, Cash Flow Calculator, Commercial Loan Calculator, Equipment Buy vs. Lease, Financial Ratios, Profit Margin Calculator, More...

Debt and Credit Cards
Consolidation Loan Investment Calculator, Cost-of-Debt Calculator, Credit Card Optimizer, Credit Card Pay Off, Personal Debt Consolidation, More...

Insurance
Comprehensive Life Insurance Analysis, Disability Insurance, Fixed Annuity Calculator, Life Insurance Calculator, Long Term Care Calculator, More...

Investment
Asset Allocation Calculator, Investment Returns, Taxable vs. Tax Advantaged Investments, More...

Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Balloon Loan Calculator, Debt Consolidation Calculator, Equity Line of Credit Payments, Existing Loan Calculator, Line of Credit Payoff, Loan & Credit Line Payment, Loan Comparison Calculator, Loan Prequalification Calculator, More...

Mortgage
Adjustable Rate Mortgage Calculator, APR Calculator for Adjustable Rate Mortgages, ARM vs. Fixed Rate Mortgage, Bi-weekly Payments for an Existing Mortgage, FHA Mortgage Loan Calculator, Fixed Rate Mortgage vs. Interest Only Mortgage, Maximum Mortgage, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Points Calculator, Refinance Breakeven, Refinance Interest Savings, Rent vs. Buy, Reverse Mortgage Calculator, More...

Personal Finance
Basic Calculator, Basic Financial Calculator, Checkbook Balancer, Home Budget Analysis, Life Expectancy, Should my spouse work?, More...

Retirement
401(k) Savings Calculator, 401(k) Spend It or Save It Calculator, 403(b) Savings Calculator, Pension Plan Retirement Options, Retirement Income, Retirement Pension Planner, Retirement Planner, Retirement Shortfall, Roth IRA Calculator, Roth IRA Conversion, Roth vs. Traditional IRA, Social Security Benefits, Traditional IRA Calculator, More...

Savings
Certificate of Deposit Calculator, College Savings, Compound Interest and Your Return, Cool Million, Savings Calculator, Savings Goals, More...

Tax
1040 Tax Calculator, Marginal Tax Rate Calculator 2011, Net to Gross Paycheck Calculator, Payroll Deductions Calculator, More...

Auto


Car Loan CalculatorDetermine 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 loanUse this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. BuyShould you lease your next automobile or finance it? Find out with this calculator!

Business


Breakeven AnalysisFind out how many and what price you must sell your product at to make a profit.
Business Valuation - Discounted Cash FlowThis tool calculates a business valuation based upon the discounted cash flow methodology
Cash Flow CalculatorHaving 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 CalculatorUse 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. LeaseShould you lease your equipment or finance it? Find out with this calculator!
Financial RatiosThis calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
Profit Margin CalculatorThis calculator can help you determine the selling price for your products to achieve a desired profit margin.

Debt and Credit Cards


Consolidation Loan Investment CalculatorGetting 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.
Cost-of-Debt CalculatorUse this calculator to see just how expensive paying interest on your debt can be.
Credit Card OptimizerThe Credit Card Optimizer helps you determine the best distribution of your credit card debt.
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.
Personal Debt ConsolidationShould you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

Insurance


Comprehensive Life Insurance AnalysisHow much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out.
Disability InsuranceUse 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.
Fixed Annuity CalculatorA fixed annuity can provide a secure, tax-deferred investment. Use this calculator to see how a fixed annuity might fit into your retirement plan.
Life Insurance CalculatorFind out how much life insurance you really need!
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


Asset Allocation CalculatorYour age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Investment ReturnsThere 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.
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!
Balloon Loan CalculatorA balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you.
Debt Consolidation CalculatorShould you consolidate your debt? Use this calculator to find out.
Equity Line of Credit PaymentsWhat will my monthly payments be for an interest only equity line of credit?
Existing Loan CalculatorUse 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 PayoffUse 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.
Loan & Credit Line PaymentThis calculator helps determine your loan or credit line payment.
Loan Comparison CalculatorUse this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
Loan Prequalification CalculatorUse this calculator as your first step in determining your ability to qualify for a loan.

Mortgage


Adjustable Rate Mortgage CalculatorThis calculator helps you to determine what your adjustable mortgage payments will be.
APR Calculator for Adjustable Rate MortgagesUse this calculator to find the APR on your adjustable rate mortgage.
ARM vs. Fixed Rate MortgageUse this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Bi-weekly Payments for an Existing MortgageThis calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
FHA Mortgage Loan CalculatorUse this calculator to determine your maximum FHA mortgage and cash needed for closing.
Fixed Rate Mortgage vs. Interest Only MortgageUse this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Maximum MortgageUse this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage Loan CalculatorUse this calculator to determine your monthly payment and amortization schedule.
Mortgage PayoffSave thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Points CalculatorShould you buy points? Use this calculator to find out.
Refinance BreakevenShould you refinance your mortgage? Use this calculator to determine when you will breakeven.
Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. BuyAre you better off buying your home, or should you continue to rent?
Reverse Mortgage CalculatorThis calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time.

Personal Finance


Basic CalculatorThis works just like a pocket calculator.
Basic Financial CalculatorThis works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.
Checkbook BalancerBalance your checkbook with this quick and easy calculator.
Home Budget AnalysisAnalyze your budget, see where your money goes and find out where you can improve!
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.
Should my spouse work?This calculator is designed to help you see the financial impact of having either one or two incomes for your household.

Retirement


401(k) Savings CalculatorA 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.
401(k) Spend It or Save It CalculatorThere are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.
403(b) Savings CalculatorIf you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement.
Pension Plan Retirement OptionsUse this calculator to help decide between joint survivorship and single survivorship pension options.
Retirement IncomeUse this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Pension PlannerPlan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement PlannerQuickly determine if your retirement plan is on track - and learn how to keep it there.
Retirement ShortfallRunning out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.
Roth IRA CalculatorUse this calculator to compare the Roth IRA to an ordinary taxable investment.
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.
Traditional IRA CalculatorHow can contributing to a regular IRA help you in your retirement?

Savings


Certificate of Deposit CalculatorUse this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College SavingsUse this calculator to help develop or fine tune your education savings plan.
Compound Interest and Your ReturnThis calculator demonstrates how compounding can affect your savings.
Cool MillionFind out when your savings plan may make you a millionaire!
Savings CalculatorFind out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Savings GoalsWhat will it take to reach your savings goal? This financial calculator helps you find out.

Tax


1040 Tax CalculatorEnter your filing status, income, deductions and credits and we will estimate your total taxes for 2011. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April 2012.
Marginal Tax Rate Calculator 2011Use this calculator to determine your marginal and effective tax rates for tax year 2011. This calculator sorts through the tax brackets and filing options to calculate your true tax liability.
Net to Gross Paycheck CalculatorDetermine the gross paycheck needed to provide a required net amount.
Payroll Deductions CalculatorUse this calculator to help you determine the impact of changing your payroll deductions.
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