MCKAY & CARNAHAN, INC.
Certified Public Accountants
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 presented to us on a daily basis.

Our interactive financial calculators and other tools may help you answer some of the day-to-day questions and concerns that may arise. Although these financial tools aren't solid substitutes for financial advice from a qualified professional, they can provide a great starting point in your decision-making process.

Auto
Auto Loan Early Payoff, Car Loan Calculator, Home Equity Loan vs. Auto loan, More...
Business
Breakeven Analysis, Cash Flow Calculator, Financial Ratios, Inventory Analysis, Working Capital Needs, More...

Debt and Credit Cards
Credit Card Optimizer, More...

Insurance
Disability Insurance, Long Term Care Calculator, More...

Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Enhanced Loan Calculator, Existing Loan Calculator, Loan Comparison Calculator, More...

Mortgage
Adjustable Rate Mortgage Calculator, ARM & Interest Only ARM vs. Fixed Rate Mortgage, Mortgage APR Calculator, Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Payoff, Mortgage Points Calculator, Mortgage Qualifier, Mortgage Refinance Break Even, Mortgage Required Income, Mortgage Tax Savings Calculator, Refinance Interest Savings, More...

Personal Finance
Credit Assessment, Life Expectancy, More...

Retirement
72(t) Calculator, Social Security Benefits, More...

Tax
1040 Tax Calculator, Marginal Tax Rate Calculator, Payroll Deductions Calculator, More...

Auto


Auto Loan Early PayoffFind out how much interest you can save by increasing your monthly auto loan payment.
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.
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Business


Breakeven AnalysisFind out how many and what price you must sell your product at to make a profit.
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.
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.
Inventory AnalysisUse this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Working Capital NeedsWorking capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.
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Debt and Credit Cards


Credit Card OptimizerThe Credit Card Optimizer helps you determine the best distribution of your credit card debt.
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Insurance


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.
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.
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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!
Enhanced Loan CalculatorUse the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
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.
Loan Comparison CalculatorUse this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
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Mortgage


Adjustable Rate Mortgage CalculatorThis calculator helps you to determine what your adjustable mortgage payments will be.
ARM & Interest Only 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.
Mortgage APR CalculatorUse this calculator to find the APR on your mortgage.
Mortgage Comparison: 15 Years vs. 30 YearsUse this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
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.
Mortgage QualifierCan you buy your dream home? Find out just how much you can afford!
Mortgage Refinance Break EvenShould you refinance your mortgage? Use this calculator to determine when you will break even.
Mortgage Required IncomeUse 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 CalculatorInterest 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 SavingsUse this calculator to see how much interest you can save by refinancing your mortgage!
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Personal Finance


Credit AssessmentHow is your credit? Use this calculator for a quick assessment!
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.
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Retirement


72(t) CalculatorThe IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement.
Social Security BenefitsUse this calculator to estimate your Social Security benefits.
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Tax


1040 Tax CalculatorEnter 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.
Marginal Tax Rate CalculatorUse 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 CalculatorUse this calculator to help you determine the impact of changing your payroll deductions.
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