Financial Tools
We’re sure you have questions. “Should I refinance my mortgage?” “Should I buy or lease my next car?” We’ve compiled some financial calculators that serve as a starting point to help you answer these questions. Take advantage of these tools and reach out to the OnPoint CPA team to help guide you through your complex business and personal financial decisions.
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.
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!
Use this calculator to project how much a series of annual stock option grants could be worth to you.
Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.
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.
This calculator shows you the possible savings by using an accelerated bi-weekly mortgage payment.
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.
Should you lease your next automobile or finance it? Find out with this 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.
Balance your chequebook with this quick and easy calculator.
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!
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!
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.
Find out when your savings plan will make you a millionaire!
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.
The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
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 big a line of credit can you receive? Use this calculator to find out!
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.
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.
Use this calculator to help develop or fine-tune your education savings plan.
This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Should you lease your next equipment or finance it? Find out with this 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.
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.
Analyze your budget, see where your money goes and find out where you can improve!
Use this calculator as a starting point for your debt management plan.
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.
Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out.
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.
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.
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.
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.
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.
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.
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 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.
Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Use this calculator to determine your monthly payment and amortization schedule.
Use this calculator to compare mortgage terms, rates and amounts. Let us help you decide which loan is better for you.
Save thousands of dollars in interest by increasing your monthly mortgage payment.
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!
This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Are you better off buying your home, or should you continue to rent?
Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
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.
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.
This calculator is designed to help you calculate different payment options from your Registered Retirement Income Fund (RRIF).
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.
Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
What will it take to reach your savings goal? This financial calculator helps you find out.
Use this calculator to determine how much your savings will be worth with these two important variables in mind.
Use this calculator to determine the value of your stock options for the next one to twenty five years.
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 essential to running your business. This calculator assists you in determining your working capital needs for the next year.