Tools

Auto

Auto Loans Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Lease vs. Buy Should you lease your next automobile or finance it? Find out with this calculator!

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.
Commercial Loan Calculator Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved.
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!
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.

Insurance

Disability Insurance Use this calculator to determine your disability insurance needs.
Life Insurance Calculator How much life insurance do you really need? Find out here!
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.

Investment

Investment Goal Calculator Use this calculator to see if your investment plan is on track to meet your investment goals
Municipal Bond Tax Equivalent Yield Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.
Taxable vs. Tax Advantaged Investments This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.

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!
Credit Line How big a line of credit can you receive? 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.
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 Tax Savings This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Loan & Line Payment This calculator helps determine your loan or line payment.
Loan Comparison Calculator Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

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.
Refinance Breakeven Should you refinance your mortgage? Use this calculator to determine when you will breakeven!
Rent vs. Buy Are you better off buying your home, or should you continue to rent?

Personal Finance

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.
Student Budget This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Retirement

Retirement Income Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Planner Quickly determine if your retirement plan is on track - and learn how to keep it there.
Roth IRA Calculator Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth 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.
Traditional IRA Calculator How can contributing to a regular IRA help you in your retirement?

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.
Compound Interest and Your Return This calculator demonstrates how compounding can affect your savings.
Cool Million Find out when your savings plan may make you a millionaire!
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.
Savings, Taxes, and Inflation Use this calculator to determine how much your savings will be worth with these two important variables in mind.

Tax

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.
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Bethesda, MD 20814-3276
P:301.652.8590
info@opmcpa.com