Free Calculators for Online Tax Filing...

1040 Tax Estimator
Enter your filing status, income, deductions and credits and we will estimate your total taxes for 2005. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April. This calculator uses the preliminary 2005 tax tables, subject to modifications by the IRS and changes in the tax code.

1040EZ Estimator
The 1040EZ is a simplified form used by the IRS for income taxpayers that do not require the complexity of the full 1040 tax form. Simply select your tax filing status and enter a few other details to estimate your total taxes for 2005. Based on your projected withholdings for the year, we then show you your refund or the amount you may owe the IRS next April! This calculator uses the preliminary 2005 tax tables, subject to modifications by the IRS and changes in the tax code.

Marginal & Effective Tax Rates
Knowing your income tax rate can help you calculate your tax liability for unexpected income, retirement planning or investment income. This calculator helps you estimate your effective (or average) tax rate, your current tax bracket, and your marginal tax rate. Press the view report button for a more detailed look at how we calculate your tax rates and what they mean to you. This calculator uses the preliminary 2005 tax tables, subject to modifications by the IRS and changes in the tax code.

Social Security Benefits
Do you wonder how much you might receive in Social Security? Use this calculator to help you estimate your Social Security benefits. Remember, this is only an estimate. Your actual benefits may vary depending on your actual work history and income.

Life Insurance Requirement
How much life insurance do you need? Enter your current assets, expenses, income and let us determine how much life insurance you need. You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs. Press the report button to see a year by year breakdown of your family's future income and expenses.

Auto Buy or Lease
Should you lease or buy your car? Use this calculator to find out! We calculate your monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.

Auto Loan VS Home Equity Loan
Home equity loans often have lower interest rates than auto loans and the interest may be tax deductible. Two good reasons to take a look at home equity loans to finance your automobile purchase.

Mortgage Comparison 15 YR VS 30 YR
Determining which mortgage term is right for you can be a challenge. With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.

Hourly Paycheck Calculator
Use this calculator to help you determine your paycheck for hourly wages.

How Long to Be a Millionaire
What might it take to save one million dollars? This financial calculator helps you find out. Enter in your current savings plan and view graphically your financial results for each year until you retire! A complete report tells you when you could hit your Cool Million - and what you can do to reach this milestone on target!

Loan Amortization 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. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule.

HBS Financial Group, Ltd. is not affiliated with the Internal Revenue Service or any other regulatory agencies. We offer the following services to our clients: | Incorporation | Income tax filing | File 1040 Online | Online tax preparation          | Income tax preparation | File taxes online | Online tax filing