ZEBROSKI AND ASSOCIATES - Financial Tools

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 the decision making process.

Financial Calculators

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.
Amortizing Loan Calculator	Enter your desired payment and its frequency- and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your loan payment!
Annual Stock Option Grants	Use this calculator to project how much a series of annual stock option grants could be worth to you.
Asset Allocation Calculator	Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
Auto Loan Calculator	Find out how much automobile you can buy based on your weekly, bi-weekly or monthly payment, or find out your loan payment based on your purchase price!
Auto Rebate vs. Low Interest Financing	Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
Bi-weekly Payment Calculator	This calculator shows you the possible savings by using an accelerated bi-weekly mortgage payment.
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.
Buy vs. Lease	Should you lease your next automobile or finance it? Find out with this calculator!
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.
Chequebook Balancer	Balance your chequebook with this quick and easy calculator.
Compare Investment Fees	Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy!
Compare Savings Rates	Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!
Compound Interest	This calculator demonstrates how compounding can affect your savings.
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.
Cool Million	Find out when your savings plan will make you a millionaire!
Credit Assessment	How is your credit? Use this calculator for a quick assessment!
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.
Credit Line	How big a line of credit can you receive? Use this calculator to find out!
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.
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.
Education Savings	Use this calculator to help develop or fine-tune your education savings plan.
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.
Enhanced Loan Calculator	Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Equipment Buy vs. Lease	Should you lease your next equipment or finance it? Find out with this calculator!
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.
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.
Home Budget	Analyze your budget, see where your money goes and find out where you can improve!
How much do you owe?	Use this calculator as a starting point for your debt management plan.
Human Life Value	One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earning.
Inventory Analysis	Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Investment Distributions	This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out.
Investment Goal Calculator	Use this calculator to see if your investment plan is on track to meet your investment goals and receive suggestions on how to change it if you are falling short.
Investment Loan	This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk.
Investment Returns	There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.
Investment Savings and Distributions	Use this calculator to see how long your investment savings can last once you begin taking distributions.
Investor Profile Questionnaire	The Investor Profile Questionnaire is designed to help you create a balanced portfolio of investments.
Life Expectancy Calculator	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.
Life Insurance	Find out how much life insurance you really need!
Line of Credit and Loan Payments	This calculator helps determine your loan or line of credit payment.
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 Comparison	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.
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.
Low Interest Financing Savings	Low, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save.
Lunch Savings	Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Mortgage Calculator	Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Compare	Use this calculator to compare mortgage terms, rates and amounts. Let us help you decide which loan is better for you.
Mortgage Payoff	Save thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Qualifier	This calculator helps you determine just how much house you can afford.
Mortgage Refinance Interest Savings	Use this calculator to see how much interest you can save by refinancing your mortgage!
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.
Personal Debt Consolidator	Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Rent vs. Buy	Are you better off buying your home, or should you continue to rent?
Retirement Income	Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
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 Planner	Quickly determine if your retirement plan is on track - and learn how to keep it there.
Roll-Down Your Credit Card Debt!	The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
RRIF Payment Calculator	This calculator is designed to help you calculate different payment options from your Registered Retirement Income Fund (RRIF).
RRSP Loan Calculator	An RRSP loan can be an excellent way to jump start your retirement savings. Use this calculator to see how an RRSP loan could help your retirement savings plan.
Savings Calculator	Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Savings Goal	What will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes, and Inflation	Use this calculator to determine how much your savings will be worth with these two important variables in mind.
Stock Option Calculator	Use this calculator to determine the value of your stock options for the next one to twenty five years.
Student Budget Calculator	This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.
Tax Free Savings Account (TFSA) Comparison	This calculator is designed to help compare a Tax Free Savings Account (TFSA) to a Registered Retirement Account (RRSP) and an ordinary taxable savings account.
Taxable vs. Tax Advantaged Investments	This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.
Working Capital Needs	Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.