Hemmer & Langholz, CPA's
Certified Public Accountants
hlcpa@cableone.net
 

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 Loan CalculatorUse this calculator to determine your monthly payment and amortization schedule.
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!
Refinance BreakevenShould you refinance your mortgage? Use this calculator to determine when you will breakeven!
Lease vs BuyShould you lease your next automobile or finance it? Find out with this calculator!
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.
Roth vs Traditional IRAUse this calculator to determine which IRA is right for you.
Social SecurityUse this calculator to estimate your Social Security benefits.
Required Minimum DistributionThe IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually, starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning. Use this calculator to determine your Required Minimum Distributions.
Retirement PlannerQuickly determine if your retirement plan is on track - and learn how to keep it there.
Savings GoalsWhat will it take to reach your savings goal? This financial calculator helps you find out.