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Susan D. DeCarrera CPA
DeCarrera Business Consulting

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.
Pay Points on MortgageThis calculator helps to determine if reducing your mortgage interest rate by paying points is the best option.
Loan Amortization CalculatorUse this calculator to calculate a loan amount based on your desired monthly payment or to calculate a monthly payment based on a loan amount.
Retirement Income PlannerUse this calculator to evaluate your retirement income plan.
Social Security CalculatorEstimate your Social Security benefits using the Social Security Administration's Quick Calculator.
Regular IRA vs. Roth IRA - Annual ContributionUse this calculator to determine whether a regular IRA or a Roth IRA is right for you.
Buying vs. Leasing - AutoUse this calculator to determine if you should lease or buy your next vehicle.
Children's Education SavingsUse this calculator to evaluate and determine if you need to make changes to your college savings plan.
Investment Needed to Achieve GoalUse this calculator to determine the investment needed to achieve your goal.
Years to Become a MillionaireThis calculator computes the number of years it will take for an initial investment along with monthly contributions to accumulate to $1 million.
Second Income CalculatorUse this calculator to estimate your additional monthly net pay after expenses if your spouse is working.
Monthly to Bi-Weekly Loan ConversionThis calculator shows how much sooner a loan or mortgage can be paid off and how much interest and expense can be saved if the payments are changed from monthly to bi-weekly and the payment amount is cut in half.