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Business Tools!
Most of our tools are free to use online. You can also download them to your PC, or add them to your web-site!| Accounting & Admin. Tools:
Expense Report Financial Ratios & Instructions Paycheck Calculator Sample Chart of Accounts Budgeting, Planning & Projection Tools: Budgeting Tools Business Plan Narratives Business Plan Review Personal Financial Statement Project Checklists: For tasks requiring Projection Tools Projections & Cash Modeling Source & Use of Funds Stmt |
Investment Tools:
Investment Savings Guide: Monthly Deposits Investment Savings Guide: Weekly Deposits Investment Savings Guide: Bi-Weekly Deposits Tax Tools: 1099 Preparation Spreadsheet Calculation of Days Out Employee Benefit Plan Limits Entity Planning Guide Entity Set-up Guides How Much of my Social Security is Taxable? Sales Tax Calculator Standard Mileage Rates 401k (& 403b) Tools: EBAR Calculation HCE Limit Calculation Interim Testing for 401ks (& 403b) Roth v. Traditional Retirement Plan Comparison Tool |
Most of these tools are available online free of charge! We hope you find them useful!
They are also available for purchase as a single-user license.
Purchased tools are delivered as a '.xls' worksheet file.
Purchase them & download them to your PC so you can save your changes and print them in any format you wish.
ADMINISTRATIVE TOOLS:
Business Loan Package Checklist
We provide a detailed list of things you need in order to get a business loan. We also provide tools to help you put the package together, including a free template to help you write your own business plan! We also offer financial modeling software to help you create your own Financial Projections. You won't find more sophisticated and user-friendly tools anywhere!
A Detailed Business Plan Narrative
Write your own business plan using the same template we use in-house!
provides two business plan narratives: A concise template suitable for small bank loans; and a detailed narrative with a proven track record when used for private placements, large bank loans, and a help business owners organize their operations and plans.
The smaller plan is currently offered online at no charge, and the detailed business plan is available for a small fee. Both plans are designed to integrate with any of the Financial Modeling tools offered on Projected Financial Statements.com. You can use another set of projected financial statements, but our software will save you a great deal of time and expense! You won't find a better Financial Modeling tool anywhere else!
Every new business should go thru the steps of preparing a detailed business plan. You will learn things about your business, your industry and yourself that you would never have learned otherwise. Preparing the detailed plan will help you eliminate many variables to failure, which improves your chances of success! This is why Banks and Venture Capitalists ask for them.
Expense Report
Enter (expenses and mileage, advances, etc.) in the yellow highlighted fields, and this report provides you with the net amount due to the employee, the total business expense, and the journal entry needed to account for the transaction! The expense report calculates total mileage based on the odometer readings, or you can enter total mileage in the orange over-ride field. Mileage cost is calculated automatically! The report includes instructions to help with internal control procedures. A proposed Journal Entry is drafted automatically to help account for total expenses,
credit card receipts, and employee advances
Use the expense report free online or download it as a single user license for a very low fee!
List of Financial Ratios Often Used in Financial Analysis
We show you many of the ratios used to analyze a company's financial condition - along with an explanation of why each ratio is considered to be important.
Loan Amortization Schedule
This schedule also helps you objectively analyze the value of a refinance loan by showing you the following:
This information is all displayed on the first page of the schedule - for your convenience! You can adjust the schedule size to whatever you like - up to 30 years (360 months).
Loan Amort. Sch. with a Loan Payment Calculator
This schedule has all the functionality of the Loan Amortization Schedule, but it also calculates your monthly payment based on the loan amount, interest rate, term and downpayment. This schedule is great for any loan analysis!
Pay-Check Calculator!
Accurate to the penny in the State of Ohio! For other states: Over-ride the Ohio tables by entering your state's rate in the over-ride field.
Instantly calculate:
Personal Financial Statement
If you're going after a loan, you'll need one of these. This is easy to fill out, and it's very presentable!
When you purchase a single user license, you also get instructions and ideas for appraising a small business using standard 'Rule of Thumb' methods.
Would you like us to Review Your Business Plan before you submit it?
We will use our time-tested underwriting process to review your plan and give you feedback.
This service is only $1,500, and it includes feedback from five experts, including a CPA and a CFP with over 40 years of combined experience. This service will help make your business lpan bullet-proof, which will help you raise the most money possible to help make your ideas come to life!
Please e-mail your business plan with your contact information, and we'll contact you to process your credit card payment and get started.
Sample Chart of Accounts
This is a basic format that works for most small businesses and most industries. There are also a few FAQs and some guidance on how to design a bullet-proof Chart of Accounts for your company!
There will be some accounts that don't apply to your business. Those accounts should be ignored.
Purchased tools are delivered as a '.xls' worksheet file.
Purchase them & download them to your PC so you can save your changes and print them in any format you wish.
TAX TOOLS:
Calculation of Days Out
For Cities in Ohio:
Fill out this form if the following criteria are met:
Entity Planning Tool
This tool helps you estimate the tax ramifications of each entity by looking at total Projected Income. The Business owner's income and the company's income is combined to provide a better picture of each entity's total tax cost to the owner.
Don't pay more taxes than you have to!
Help Setting up a Business Entity
We have some very affordable Entity Setup Kits. These are tools that were created by top professionals in the Small Business community!
Also: If you need help setting up a Business Entity in the state of Ohio, we would be happy to assist you personally. Our company headquarters are located in Central Ohio.
INCOME TAX Calculation Spreadsheets - For ESTIMATES & Year-End Tax Planning!
C-CorpsS-Corps
LLCs, Partnerships, & Sole Proprietors.
We use these spreadsheets for tax planning, calculating estimates, and for calculating the deferred income tax entry for accrual basis financial statements. These tools are very useful, sophisticated, and user-friendly!
Sales Tax Calculator
This tool calculates sales taxes in two different ways, to accommodate two different scenarios:
- Sales tax calculated at the time of sale: One calculation tells you exactly how much sales tax to collect.
Sales tax calculated after the sale: The 2nd option takes the total received and separates it into sales and sales tax collected.
IE: If you’re at a trade-show and you’re collecting a flat $20 for each item sold, you can use this tool to figure out exactly how much of the $20 was for the item, and how much was for sales tax.
- Hint: A Simple formula would overstate sales tax and understate the sale. You need algebra to accurately solve the problem.
Standard Mileage Rates
This Table lists the Standard Mileage Rates allowed by the IRS since 1997.
Purchased tools are delivered as a '.xls' worksheet file.
Purchase them & download them to your PC so you can save your changes and print them in any format you wish.
401k / 403b ADMINISTRATION TOOLS:
EBAR Calculation - Annual Method:
Not for the faint of heart. Use this if you have a plan that allows EBAR calculations; or plug in your data to see if your plan would benefit from an EBAR option. A TPA should be consulted if you are going to use an EBAR, cross-testing, and other complicated options to maximize contributions to HCEs.
IE: This tool is designed for TPAs.
Calculate your HCE Limits
If you know your Non-HCE Percentages, use this tool to make (or verify) your HCE limit calculation. Don't know what an HCE is? Take a look at 401ktest.com's Courses & Tables page.
Interim Testing Tool for 401k Plans & 403b Plans at 401ktest.com
Test your plan as often as you want for a low annual fee!
401ktest.com is a web service that makes testing easy, fast, and affordable!
- Securely upload your payroll data to 401ktest.com.
Go to "Edit Company" and answer 2 questions about time limits & age limits for plan participation.
Click “Current Year Test” and get your results almost instantly! You can also test using the Prior Year Method.
You just need to upload prior-year payroll information also.
401ktest.com is the most affordable interim testing solution on the web. No one else even comes close!
Comparative Analysis of ROTH v. TRADITIONAL RETIREMENT PLANS
Find out which investment choice is better based on your unique circumstances: How long till retirement, what you think your tax rate rate will be when you're old and grey, etc.
This is a great tool!
Purchased tools are delivered as a '.xls' worksheet file.
Purchase them & download them to your PC so you can save your changes and print them in any format you wish.
Access our on-line tools quickly by
adding us to your list of favorites.
"Viser developed our first business plan and helped us find the financing needed
to start our company."
See a list of endorsements
on our Testimonials page.
See a list of endorsements
on our Testimonials page.
Our Projections
have served many companies in many industries.
Architectural Firms
Engineering
Software Development
Construction
Pharmaceutical Firm
Accounting & Consulting
Programming & Development
Night Clubs
Fitness Centers
and Much More!
Architectural Firms
Engineering
Software Development
Construction
Pharmaceutical Firm
Accounting & Consulting
Programming & Development
Night Clubs
Fitness Centers
and Much More!