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Hemmerich, Flanagan, Kratz, McRae & Wilson LLP
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


Amortizing Loan CalculatorEnter 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!
Auto Loan CalculatorFind 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!
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. LeaseShould you lease your next automobile or finance it? Find out with this calculator!
Compound InterestThis calculator demonstrates how compounding can affect your savings.
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.
Mortgage CalculatorUse this calculator to determine your monthly payment and amortization schedule.
Rent vs. BuyAre you better off buying your home, or should you continue to rent?
Retirement IncomeUse this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement PlannerQuickly determine if your retirement plan is on track - and learn how to keep it there.
RRIF Payment CalculatorThis calculator is designed to help you calculate different payment options from your Registered Retirement Income Fund (RRIF).
RRSP Loan CalculatorAn 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, Taxes, and InflationUse 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 CalculatorThis 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) ComparisonThis calculator is designed to help compare a Tax Free Savings Account (TFSA) to a Registered Retirement Account (RRSP) and an ordinary taxable savings account.
Working Capital Needs Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.