Rinkewich & Company, CPAs
CPA Consulting and Tax Service Professionals
A Full Service CPA Firm

These calculators have been provided as a resource for you to help plan your financial matters. Enter your criteria and you will find answers with dynamic graphs and personalized reports.


►Does inflation impact my standard of living?
►How much am I spending?
►How much do I need for emergencies?
►Should I pay down debt or invest more?
►How long will my money last?
►Should my spouse enter the work force?
►What is my current net worth?
►What is my projected net worth?
►What is my current cash flow?
►What is my projected cash flow?
►What is the value of reducing, postponing or foregoing expenses?


►How much should I be saving for college?
►Will I be able to repay my student loan?
►What is the value of a college education?
►What are the payments on a parental (PLUS) loan?
►Should I live at home, on campus, or off campus?


►How long will it take to pay off my credit card(s)?
►How long until my loan is paid off?
►What would my loan payments be?
►What is the balance on my loan?
►Should I consolidate my personal debt into a new loan?
►Re-structuring debts for accelerated payoff
►Which is better: cash up front or payments over time?
►What is the impact of making extra payments on my loan?
►Should I pay off debts or invest?


►How much home can I afford?
►Should I refinance my home mortgage? (breakeven)
►Comprehensive mortgage calculator
►Comparing mortgage terms
►Should I pay extra points for a lower interest rate?
►Should I rent or buy a home?
►Should I convert to a bi-weekly payment schedule?
►Compare a 'no-cost' versus traditional mortgage
►What are the tax savings generated by my mortgage?
►Should I take out a fixed or adjustable rate mortgage?
►Adjustable rate mortgage calculator
►How do closing costs impact the interest rate?


►What is my potential estate tax liability?
►Federal income tax estimator
►Should I adjust my payroll withholdings?
►Will my investment interest be deductible?
►How much self-employment tax will I pay?
►Capital gains (and losses) tax estimator
►Compare taxable, tax-deferred and tax-free investment growth
►How much of my Social Security benefit might be taxable?
►What are the tax implications of paying interest?
►Should I itemize or take the standard deduction?
►What is my tax-equivalent yield?
►What is the amount of my 2009 rebate check?


►How much life insurance do I need?
►What is my life expectancy?
►What are my needs for burial and final expenses?
►How much disability income do I need?
►What are the chances of becoming disabled?
►What are my long-term care insurance needs?
►How much will I earn in my lifetime?
►How long will my current insurance last?
►Which is better, Comprehensive Plan Or High-Deductible Plan With HSA?


►How much will my company bonus net after taxes?
►How will payroll adjustments affect my take-home pay?
►Convert my salary to an equivalent hourly wage
►Convert my hourly wage to an equivalent annual salary
►What is the future value of my employee stock options?
►Should I exercise my 'in-the-money' stock options?
►What may my 401(k) be worth?
►What is the impact of increasing my 401(k) contribution?


►Evaluate my company pension payout options
►How much can I contribute to an IRA?
►Should I convert to a Roth IRA?
►What is my current year required minimum distribution?
►What is my projected required minimum distributions?
►What are my lump-sum distribution options?
►How do I maximize my employer 401(k) match?
►What is the impact of borrowing from my 401(k) plan?
►What is the impact of early withdrawal from my 401(k)?
►What is my maximum self-employed retirement plan contribution?
►Net Unrealized Appreciation (NUA)


►How will retirement impact my living expenses?
►Social Security retirement income estimator
►How does inflation impact retirement income needs?
►Should I convert discretionary expenses to savings?
►Compare Roth 401(k) to Traditional 401(k)


►Save now vs. save later calculator
►How do taxes and inflation impact my return?
►What is my effective annual yield?


►Tax savings of a qualified retirement/cafeteria plan
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This website is for general information only. The information presented at this site should not be construed to be formal accounting or tax advice. Please contact Rinkewich & Company, CPAs at 732-739-3710 for accounting or tax services.