Rieth, Pediangco & Co., P.C.
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 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.

Auto
Auto Rebate vs. Low Interest Financing, Car Loan Calculator, Dealer Financing vs. Credit Union Financing, Lease vs. Buy, More...
Business
Breakeven Analysis, Cash Flow Calculator, Commercial Loan Calculator, Equipment Buy vs. Lease, Financial Ratios, Like Kind Exchange, Profit Margin Calculator, More...

Debt and Credit Cards
Cost-of-Debt Calculator, Home Equity Debt Consolidation, Personal Debt Consolidation, Student Loan Consolidation and Debt Payoff, More...

Investment
Annual Rate of Return Calculator, Future Value Calculator, Internal Rate of Return (IRR) Calculator, Present Value Calculator, More...

Loan
Alternative Payment Frequencies, Amortizing Loan Calculator, Balloon Loan Calculator, Debt Consolidation Calculator, Existing Loan Calculator, Home Equity Line of Credit Calculator, Line of Credit Payoff, Loan Comparison Calculator, Loan Prequalification Calculator, More...

Mortgage
Mortgage Comparison: 15 Years vs. 30 Years, Mortgage Loan Calculator, Mortgage Loan Calculator (PITI), Mortgage Payoff, Mortgage Qualifier, Mortgage Refinance Break Even, Option ARM vs. Fixed Rate Mortgage, Rent vs. Buy, Reverse Mortgage Calculator, More...

Personal Finance
Basic Financial Calculator, Home Budget Analysis, Net Worth, Should my spouse work?, More...

Retirement
Beneficiary Required Minimum Distributions, How Important is Social Security?, How long will my retirement savings last?, Required Minimum Distribution (RMD), Social Security Benefits, More...

Savings
Benefit of Spending Less, College Savings, Compound Savings Calculator, Cool Million, Lunch Savings, Savings Goals, Savings, Taxes, and Inflation, More...

Auto


Auto Rebate vs. Low Interest FinancingUse this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
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.
Dealer Financing vs. Credit Union FinancingUse this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.
Lease vs. BuyShould you lease your next automobile or finance it? Find out with this calculator!
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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.
Commercial Loan CalculatorUse 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.
Equipment Buy vs. LeaseShould you lease your equipment or finance it? Find out with this calculator!
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.
Like Kind ExchangeThis calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
Profit Margin CalculatorThis calculator can help you determine the selling price for your products to achieve a desired profit margin.
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Debt and Credit Cards


Cost-of-Debt CalculatorUse this calculator to see just how expensive paying interest on your debt can be.
Home Equity Debt ConsolidationThis calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
Personal Debt ConsolidationShould you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Student Loan Consolidation and Debt PayoffThe Student Loan Consolidation and Debt Payoff calculator applies two simple principles to paying off your Debt; Consolidate your student loans, and use the monthly savings to pay off your other outstanding debt.
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Investment


Annual Rate of Return CalculatorUse this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.
Future Value CalculatorUse this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.
Internal Rate of Return (IRR) CalculatorUse 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.
Present Value CalculatorUse this calculator to determine the present value of a known final future value plus a stream of deposits.
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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!
Balloon Loan CalculatorA balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you.
Debt Consolidation CalculatorShould you consolidate your debt? Use this calculator to find out.
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.
Home Equity Line of Credit CalculatorHow big of a home equity line of credit can you receive? Use this calculator to find out!
Line of Credit PayoffUse 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 CalculatorUse this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
Loan Prequalification CalculatorUse this calculator as your first step in determining your ability to qualify for a loan.
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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 Loan Calculator (PITI)Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage PayoffSave thousands of dollars in interest by increasing your monthly mortgage payment.
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.
Option ARM vs. Fixed Rate MortgageUse this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
Rent vs. BuyAre you better off buying your home, or should you continue to rent?
Reverse Mortgage CalculatorThis calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time.
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Personal Finance


Basic Financial CalculatorThis works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.
Home Budget AnalysisAnalyze your budget, see where your money goes and find out where you can improve!
Net WorthThis calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
Should my spouse work?This calculator is designed to help you see the financial impact of having either one or two incomes for your household.
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Retirement


Beneficiary Required Minimum DistributionsUse this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
How Important is Social Security?Use this calculator to determine how losing this important retirement asset could affect you.
How long will my retirement savings last?Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.
Required Minimum Distribution (RMD)Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements.
Social Security BenefitsUse this calculator to estimate your Social Security benefits.
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Savings


Benefit of Spending LessReducing 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 SavingsUse this calculator to help develop or fine tune your education savings plan.
Compound Savings CalculatorFind out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Cool MillionFind out when your savings plan may make you a millionaire!
Lunch SavingsUse this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings GoalsWhat will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes, and InflationUse this calculator to determine how much your savings will be worth with these two important variables in mind.
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