S.K. Income Tax & Accounting Inc

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. At S.K. Income Tax & Accounting, 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 the decision making process.

Auto Refinance Interest Savings, Home Equity Loan vs. Auto loan, Lease vs. Buy More...

Business Debt Consolidation Calculator, Cash Flow Calculator, Debt Service Coverage, Equipment Buy vs. Lease, Repossession of Real Property More...

Accelerated Debt Payoff, Cost-of-Debt Calculator, Credit Card Minimum Payment Calculator, Credit Card Optimizer, Credit Card Pay Off, Home Equity Debt Consolidation, How much do you owe?, Personal Debt Consolidation, Roll-Down Your Credit Card Debt! More...

Disability Insurance, Health Savings Account (HSA) Contribution Calculator, Health Savings Account (HSA) vs. Traditional Health Plan, Variable Annuity without Surrender Charges More...

Annual Stock Option Grants, Internal Rate of Return (IRR) Calculator, Investment Questionnaire - Cash, Fixed Income and Equities, Personal Economic Recovery Calculator, Present Value Calculator, Stock Option Calculator More...

Alternative Payment Frequencies, Amortizing Loan Calculator, Debt Consolidation Calculator, Existing Loan Calculator More...

Bi-weekly Payment Calculator, Bi-weekly Payments for an Existing Mortgage, Mortgage Debt Consolidation, Mortgage Loan Calculator, Mortgage Loan Calculator (PITI), Mortgage Qualifier, Mortgage Required Income, Refinance Interest Savings, Rent vs. Buy More...

Basic Calculator, Basic Financial Calculator, Checkbook Balancer, Credit Assessment, Home Budget Analysis More...

401(k) Calculator, 401(k) Savings with Profit Sharing, 401(k) Spend It or Save It Calculator, How Important is Social Security?, Retirement Nestegg Calculator, Retirement Pension Planner, Retirement Planner with Retirement Earnings, Roth IRA vs. Traditional IRA, Social Security Benefits More...

Benefit of Spending Less, College Savings, Compound Savings Calculator, Credit Union Certificate Calculator, Don't Delay Your Savings!, Emergency Savings Calculator, Home Buyer Savings Calculator, Lunch Savings More...

Net to Gross Paycheck Calculator, Payroll Deductions Calculator, U.S. 1040EZ Tax Form Calculator More...

Business

Business Debt Consolidation Calculator	Should your business consolidate its debt? Use this calculator to find out.
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.
Debt Service Coverage	This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.
Equipment Buy vs. Lease	Should you lease your equipment or finance it? Find out with this calculator!
Repossession of Real Property	If you have repossessed real property, you can this calculator to determine the gain or loss as well as its new basis.
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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.
Cost-of-Debt Calculator	Use this calculator to see just how expensive paying interest on your debt can be.
Credit Card Minimum Payment Calculator	Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
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.
Home Equity Debt Consolidation	This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
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.
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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.
Health Savings Account (HSA) Contribution Calculator	This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year.
Health Savings Account (HSA) vs. Traditional Health Plan	Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
Variable Annuity without Surrender Charges	How can a variable annuity help you save for retirement? Use this calculator to find out.
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Investment

Annual Stock Option Grants	Use this calculator to project how much a series of annual stock option grants could be worth to you.
Internal Rate of Return (IRR) Calculator	Use this calculator to determine an Internal Rate of Return (IRR). It calculates the IRR on an annual basis of an irregular stream of up to 20 payments and withdrawals.
Investment Questionnaire - Cash, Fixed Income and Equities	This questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities.
Personal Economic Recovery Calculator	This calculator can help you determine exactly what it might take to return your to your original investment balance.
Present Value Calculator	Use this calculator to determine the present value of a known final future value plus a stream of deposits.
Stock Option Calculator	Use this calculator to determine the value of your stock options for the next one to twenty five years.
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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!
Debt Consolidation Calculator	Should you consolidate your debt? Use this calculator to find out.
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.
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Mortgage

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.
Bi-weekly Payments for an Existing Mortgage	This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
Mortgage Debt Consolidation	This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
Mortgage Loan Calculator	Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Loan Calculator (PITI)	Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage Qualifier	Can you buy your dream home? Find out just how much you can afford!
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.
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?
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Retirement

401(k) Calculator	A 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) Savings with Profit Sharing	Use this calculator to how a 401(k) with profit sharing plan can help you save for retirement..
401(k) Spend It or Save It Calculator	There 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.
How Important is Social Security?	Use this calculator to determine how losing this important retirement asset could affect you.
Retirement Nestegg Calculator	Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be.
Retirement Pension Planner	Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement Planner with Retirement Earnings	Plan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there.
Roth IRA vs. Traditional IRA	Use this calculator to determine which IRA may be right for you.
Social Security Benefits	Use this calculator to estimate your Social Security benefits.
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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.
College Savings	Use this calculator to help develop or fine tune your education savings plan.
Compound Savings Calculator	Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Credit Union Certificate Calculator	Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance.
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.
Home Buyer Savings Calculator	Use this tool to help you calculate what it might take to save for your new house.
Lunch Savings	Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
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