spectrum accounting
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.

Tax Calculators
1040 Tax Calculator, Payroll Deductions, Earned Income Credit (EIC) Calculator, Hourly Paycheck Calculator, Net to Gross Paycheck Calculator, Self-Employment Taxes, 1040 Tax Calculator (Tax Year 2008), More...

Debt and Credit Cards
Cost-of-Debt Calculator, Home Equity Debt Consolidation, Student Loan Consolidation and Debt Payoff, How much do you owe?, Roll-Down Your Credit Card Debt!, Credit Card Pay off, More...

Auto Calculators
Auto Loans, Lease vs. Buy, Low Interest Financing Savings, Dealer Financing vs. Credit Union Financing, Auto Rebate vs. Low Interest Financing, More...

Personal Finance
Basic Calculator, Basic Financial Calculator, Net Worth, Home Budget Analysis, Checkbook Balancer, More...

Mortgage Calculators
Bi-weekly Payments for an Existing Mortgage, Option ARM vs. Fixed Rate Mortgage, Mortgage Loan Calculator, Refinance Breakeven, Rent vs. Buy, Refinance Interest Savings, Mortgage comparison: 15 years vs. 30 years, Bi-weekly Payment Calculator, More...

Insurance Calculators
Health Savings Account (HSA) Savings Calculator, More...

Retirement Calculators
Individual 401(k) Savings Calculator, Roth 401(k) vs. Traditional 401(k) and your Paycheck, Required Minimum Distribution (RMD) for Current Year, Individual 401(k) Contribution Comparison, Retirement Contribution Effects on Your Paycheck, 401(k) Savings with Profit Sharing, Social Security Benefits, Roth vs. Traditional IRA, More...

Savings Calculators
College Savings, Savings Goals, Savings Calculator, Savings, Taxes, and Inflation, Emergency Savings Calculator, Benefit of Spending Less, More...

Business Calculators
Like Kind Exchange, Profit Margin Calculator, Repossession of Personal Property from an Installment Payment Sale, Commercial Loan Calculator, Breakeven Analysis, Financial Ratios, Cash Flow Calculator, Working Capital Needs, More...

Loan Calculators
Amortizing Loan Calculator, Loan & Line Payment, Loan Comparison Calculator, Loan & Credit Line Tax Savings, Existing Loan Calculator, Equity Line of Credit Payments, Balloon Loan Calculator, More...