714-846-4441 info@teraokacpa.com

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 Early Payoff Find out how much interest you can save by increasing your monthly auto loan payment.
Car Loan Calculator Determine 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 loan Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. Buy Should you lease your next automobile or finance it? Find out with this calculator!

Business

Breakeven Analysis Find out how many and what price you must sell your product at to make a profit.
Business Debt Consolidation Calculator Should your business consolidate its debt? Use this calculator to find out.
Business Valuation – Discounted Cash Flow This tool calculates a business valuation based upon the discounted cash flow methodology – illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value.
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.
Equipment Buy vs. Lease Should you lease your equipment or finance it? Find out with this calculator!
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.
Inventory Analysis Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Working Capital Needs Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

Debt and Credit Cards

Accelerated Debt Payoff Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.
Consolidation Loan Investment Calculator Getting 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.
Credit Card Optimizer The Credit Card Optimizer helps you determine the best distribution of 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.
How much do you owe? Use this calculator as a starting point for your debt management plan.
Personal Debt Consolidation Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Roll-Down Your Credit Card Debt! The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.

Insurance

Disability Insurance Use 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.
Life Insurance Calculator Find out how much life insurance you really need!
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.

Loan

Alternative Payment Frequencies Use this calculator to determine your payment or loan amount for different payment frequencies.
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!
Balloon Loan Calculator A 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 Calculator Should you consolidate your debt? Use this calculator to find out.
Enhanced Loan Calculator Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Equity Line of Credit Payments What will my monthly payments be for an interest only equity line of credit?
Existing Loan Calculator Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining.
Home Equity Line of Credit Calculator How big of a home equity line of credit can you receive? Use this calculator to find out!
Line of Credit Payoff Use 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 Payment This calculator helps determine your loan or credit line payment.
Loan & Credit Line Tax Savings This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Loan Comparison Calculator Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
Loan Prequalification Calculator Use this calculator as your first step in determining your ability to qualify for a loan.

Mortgage

Adjustable Rate Mortgage Calculator This calculator helps you to determine what your adjustable mortgage payments will be.
ARM & Interest Only 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.
Balloon Mortgages 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.
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.
Maximum Mortgage Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage APR Calculator Use this calculator to find the APR on your mortgage.
Mortgage Comparison: 15 Years vs. 30 Years Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Payoff Save thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Points Calculator Should you buy points? Use this calculator to find out.
Mortgage Qualifier Can you buy your dream home? Find out just how much you can afford!
Mortgage Refinance Break Even Should you refinance your mortgage? Use this calculator to determine when you will break even.
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.
Mortgage Tax Savings Calculator Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.
Refinance Interest Savings Use this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. Buy Are you better off buying your home, or should you continue to rent?

Personal Finance

Checkbook Balancer Balance your checkbook with this quick and easy calculator.
Credit Assessment How is your credit? Use this calculator for a quick assessment!
Home Budget Analysis Analyze your budget, see where your money goes and find out where you can improve!
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.
Net Worth This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

Savings

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.
Certificate of Deposit Calculator Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College Savings Use this calculator to help develop or fine tune your education savings plan.
Compounding and Your Return This calculator demonstrates how compounding can affect your savings.
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 Calculator This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Lunch Savings Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings Calculator Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Savings Distribution Calculator Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.
Savings, Taxes, and Inflation Use this calculator to determine how much your savings will be worth with these two important variables in mind.

Tax

1040 Tax Calculator Enter your filing status, income, deductions and credits and we will estimate your total tax. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS 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.
Marginal Tax Rate Calculator Use 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 Calculator Use this calculator to help you determine the impact of changing your payroll deductions.
U.S. 1040EZ Tax Form Calculator Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.

Our Toolbox Handy Calculators, Tax Articles and More

Contact Us For A Free Consultation

Contact Us For A Free Consultation

Teraoka and Company CPA

Phone 714-846-4441
Fax 714-840-4712
Email info@teraokacpa.com

Contact Us

Certified Public Accountants

16872 Bolsa Chica Street Suite 202 Huntington Beach, CA 92649

Phone

Fax

714-840-4712