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Information Resources

JOD CPAs tries to keep our clients up to date on the latest tax changes, provide advise on minimizing taxes and operating a successful small business. Below you will find a library of informative articles relating to various financial topics.

Type	Title	Description
Auto	Auto Loan Early Payoff	Find out how much interest you can save by increasing your monthly auto loan payment.
Auto	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.
Auto	Auto Refinance Interest Savings	Use this calculator to see how much interest you can save by refinancing your auto loan.
Auto	Bi-weekly Payments for an Auto Loan	This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
Auto	Bi-weekly Payments for an Auto Loan with Fees	This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.
Auto	Car Loan Calculator	Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.
Auto	Dealer Financing vs. Credit Union Financing	Use 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.
Auto	Home Equity Loan vs. Auto loan	Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Auto	Lease vs. Buy	Should you lease your next automobile or finance it? Find out with this calculator!
Auto	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.
Debt and Credit Cards	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.
Debt and Credit Cards	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.
Debt and Credit Cards	Cost-of-Debt Calculator	Use this calculator to see just how expensive paying interest on your debt can be.
Debt and Credit Cards	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.
Debt and Credit Cards	Credit Card Optimizer	The Credit Card Optimizer helps you determine the best distribution of your credit card debt.
Debt and Credit Cards	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.
Debt and Credit Cards	Home Equity Debt Consolidation	This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.
Debt and Credit Cards	How much do you owe?	Use this calculator as a starting point for your debt management plan.
Debt and Credit Cards	Personal Debt Consolidation	Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Debt and Credit Cards	Roll-Down Your Credit Card Debt!	The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
Debt and Credit Cards	Snowball Debt Elimination Calculator	This Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule.
Debt and Credit Cards	Student Loan Consolidation and Debt Payoff	The 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.
Loan	Alternative Payment Frequencies	Use this calculator to determine your payment or loan amount for different payment frequencies.
Loan	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!
Loan	Balloon Loan Calculator	A balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you.
Loan	Debt Consolidation Calculator	Should you consolidate your debt? Use this calculator to find out.
Loan	Enhanced Loan Calculator	Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Loan	Equity Line of Credit Payments	What will my monthly payments be for an interest only equity line of credit?
Loan	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.
Loan	Home Equity Line of Credit Calculator	How big of a home equity line of credit can you receive? Use this calculator to find out!
Loan	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	Loan & Credit Line Payment	This calculator helps determine your loan or credit line payment.
Loan	Loan & Credit Line Tax Savings	This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments.
Loan	Loan Comparison Calculator	Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
Loan	Loan Prequalification Calculator	Use this calculator as your first step in determining your ability to qualify for a loan.
Mortgage	APR Calculator for Adjustable Rate Mortgages	Use this calculator to find the APR on your adjustable rate mortgage.
Mortgage	ARM & Interest Only ARM vs. Fixed Rate Mortgage	Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Mortgage	Adjustable Rate Mortgage Calculator	This calculator helps you to determine what your adjustable mortgage payments will be.
Mortgage	Balloon Mortgages	A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
Mortgage	Bi-weekly Payment Calculator	Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
Mortgage	Bi-weekly Payments for an Existing Mortgage	This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
Mortgage	Blended Rate Mortgage Calculator	This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of a home.
Mortgage	FHA Maximum Financing Calculator	Use this calculator to determine your maximum FHA mortgage and cash needed for closing.
Mortgage	Fixed Rate Mortgage vs. Interest Only Mortgage	Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage.
Mortgage	Fixed Rate Mortgage vs. LIBOR ARM	Use this calculator to compare a fixed rate mortgage to a LIBOR ARM.
Mortgage	Interest Only ARM Calculator	Interest only mortgages can provide you with very low monthly payments, however you are not paying off any principal during the interest only period.
Mortgage	Interest Only Mortgage Calculator	Use this calculator to generate an amortization schedule for an interest only mortgage.
Mortgage	Maximum Mortgage	Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage	Mortgage APR Calculator	Use this calculator to find the APR on your mortgage.
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	Mortgage Debt Consolidation	This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
Mortgage	Mortgage Loan Calculator	Use this calculator to determine your monthly payment and amortization schedule.
Mortgage	Mortgage Loan Calculator (PITI)	Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage	Mortgage Payoff	Save thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage	Mortgage Points Calculator	Should you buy points? Use this calculator to find out.
Mortgage	Mortgage Qualifier	Can you buy your dream home? Find out just how much you can afford!
Mortgage	Mortgage Refinance Break Even	Should you refinance your mortgage? Use this calculator to determine when you will break even.
Mortgage	Mortgage Required Income	Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
Mortgage	Mortgage Tax Savings Calculator	Interest 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.
Mortgage	Option ARM vs. Fixed Rate Mortgage	Use this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment.
Mortgage	Refinance Interest Savings	Use this calculator to see how much interest you can save by refinancing your mortgage!
Mortgage	Rent vs. Buy	Are you better off buying your home, or should you continue to rent?
Mortgage	Reverse Mortgage Calculator	This calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time.
Retirement	401(k) Calculator	A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up.
Retirement	401(k) Savings with Profit Sharing	Use this calculator to how a 401(k) with profit sharing plan can help you save for retirement.
Retirement	401(k) Spend It or Save It Calculator	There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.
Retirement	403(b) Savings Calculator	If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement.
Retirement	457 Plan Contribution Effects on Your Paycheck	Use this calculator to see how increasing your contributions to a 457 plan can affect your paycheck as well as your retirement.
Retirement	457 Plan Withdrawal	Use this calculator to see what your net 457 plan withdrawal would be after taxes are taken into account.
Retirement	457 Plan: Roth vs. Pre-tax	Use this calculator to help determine whether a Roth or Pre-tax 457 might be best for you.
Retirement	457 Savings Calculator	A 457 plan can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up.
Retirement	72(t) Calculator	The 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.
Retirement	72(t) Distribution Impact	This calculator is designed to examine the affects of 72T distributions on your retirement plan balance.
Retirement	Beneficiary Required Minimum Distributions	Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Retirement	Company Stock Distribution Analysis Calculator	If you own company stock in a retirement plan you may be able to take advantage of using the long term capital gains tax rate rather than your ordinary income tax rate on this investment.
Retirement	How Important is Social Security?	Use this calculator to determine how losing this important retirement asset could affect you.
Retirement	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.
Retirement	IRA Spend It or Save It Calculator	Spending your IRA before your retire can be a costly decision. See how taking your out IRA early could cost you thousands of dollars both in taxes and lost earnings.
Retirement	Individual 401(k) Contribution Comparison	Use this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan options.
Retirement	Individual 401(k) Savings Calculator	Use this calculator to see the benefits of an Individual 401(k) for the self-employed.
Retirement	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.
Retirement	Pension Plan Retirement Options	Use this calculator to help decide between joint survivorship and single survivorship pension options.
Retirement	RMD & Stretch IRA Calculator	Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
Retirement	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.
Retirement	Required Minimum Distribution (RMD) for Current Year	Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.
Retirement	Retirement Account Contribution Accelerator	Use this calculator to see how increasing your contributions to qualified retirement plan help save for your retirement.
Retirement	Retirement Contribution Effects on Your Paycheck	Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement.
Retirement	Retirement Income	Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
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	Retirement Pension Planner	Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
Retirement	Retirement Plan Withdrawal	Use this calculator to see what your net withdrawal would be after taxes and penalties are taken into account.
Retirement	Retirement Planner	Quickly determine if your retirement plan is on track - and learn how to keep it there.
Retirement	Retirement Planner with Retirement Earnings	Plan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there.
Retirement	Retirement Shortfall	Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.
Retirement	Roth (after-tax) Account or Pre-Tax Account?	Starting in 2006, you may have the option to contribute to Roth account. Use this calculator to help determine which retirement plan option might be best for you.
Retirement	Roth 401(k) vs. Traditional 401(k)	Use this calculator to determine which 401(k) contribution type might be right for you.
Retirement	Roth 403(b) vs. Traditional 403(b)	Use this calculator to determine which 403(b) contribution type might be right for you
Retirement	Roth IRA Calculator	Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Retirement	Roth IRA Conversion	This calculator will show the advantage, if any, of converting your IRA to a Roth.
Retirement	Roth IRA Conversion with Distributions	Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
Retirement	Roth IRA vs. Traditional IRA	Use this calculator to determine which IRA may be right for you.
Retirement	Roth vs. Traditional 401(k) and your Paycheck	See how a Roth vs. Traditional 401(k) might affect your take home pay as well as your retirement savings.
Retirement	Should you Borrow From a 401(k) or 403(b)?	The majority of 401(k) plans and a growing number of 403(b) plans let you borrow money from your account. Use this calculator to help you determine if you should borrow, and the potential impact on your retirement savings.
Retirement	Social Security Benefits	Use this calculator to estimate your Social Security benefits.
Retirement	Traditional IRA Calculator	How can contributing to a regular IRA help you in your retirement?
Tax	1040 Tax Calculator	Enter 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.
Tax	Earned Income Credit (EIC) Calculator	Use this calculator to determine if you qualify for the Earned Income Credit and if so, how much it might be worth.
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.
Tax	Self-Employment Tax Calculator	If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes.
Tax	U.S. 1040EZ Tax Form Calculator	Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.