Payroll Specialists, Inc.
Payroll Made Easy
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We provide a library of financial calculators to help you begin planning your financial future-from forecasting your retirement options or child's college fund to estate planning and mortgage refinancing. Interactive calculations, dynamic graphs, and fully customizable reports are just a few features provided with our calculators to support thorough financial planning and a sound decision-making process. Though not a substitute for advice and information provided by a qualified professional, our calculators offer a good starting point to a secure future.

Mortgage CalculatorUse this calculator to view the total interest and total payment for a mortgage based on the loan amount, years of payments, and annual interest rate you enter.
Qualify for Home PurchaseThis calculator indicates whether or not you qualify for a conventional mortgage.
Mortgage Refinance BreakevenUse this calculator to determine if you should refinance your mortgage and when you will break even.
Time To Payoff Credit CardUse this calculator to calculate the monthly payment and length of time it will take to pay off your credit card.
Retirement Income PlannerUse this calculator to evaluate your retirement income plan.
Regular IRA vs. Roth IRA - Annual ContributionUse this calculator to determine whether a regular IRA or a Roth IRA is right for you.
Auto LoansFind out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Should my spouse work?This calculator is designed to help you see the financial impact of adding, or removing, a spouse's income to your household. As with any decision of this type, there are many factors to consider, but knowing your finances is a good place to start.
Section 125 Cafeteria PlanUse this calculator to see how participating in your employer's "Section 125 Cafeteria Plan" can help you pay less tax, and increase your net take home pay.
72(t) CalculatorThe IRS Rule 72(t) allows for penalty free, early withdrawals from retirement accounts. This allows you to begin receiving money from your retirement accounts before you turn age 59 1/2 without the normal 10% penalty. Use this calculator to determine your allowable 72(t) Distribution and how it can help fund your early retirement.

 

 

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