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Financial Calculators

 

Let us help with the math. Use these calculators to help you plan, decide and prepare.

 Auto  Business  Credit Card
 Debt Mgmnt  Investment  Loan
 Mortgage  Personal Finance  Retirement Planning
 Savings  Tax  

 

Auto Calculators

  • Auto Loans - How much car can you buy based on your monthly payment... what would your monthly payment be? Find out by clicking here.

  • Lease vs. Buy - Should you lease your next automobile or finance it? Find out with this calculator!

  • Rebate vs. Low-Cost Financing - Should you choose a rebate or low-cost financing? This calculator will help you determine which the better value is for you.

  • Extra Payments - Use this calculator to determine how making extra payments can affect your vehicle loan.

 

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Business Calculators

  • Financial Ratios -  This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.

 

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Credit Cards and Debt Management

  • Credit Card Payoff - Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.

  • Personal Debt Consolidation - Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

 

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Investment Calculators

  • Investment Returns - There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.

 

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Loan Calculators

  • Amortizing Loan 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!

  • Loan Comparison Calculator - Use this calculator to sort through the monthly payments, fees, and other costs associated with comparing loan options.

  • Extra Payments - Loans can cause you to pay a significant amount of interest, however, you may be able to decrease that amount and pay off your loan faster by making small, extra payments. Use this calculator to see how extra payments will affect your loan.

 

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Mortgage Calculators

  • Mortgage Payoff - Save thousands of dollars in interest by increasing your monthly mortgage payment.

  • Refinance Breakeven - Use this calculator to see how much interest you can save if you refinance your mortgage.

  • Mortgage Loans - When you’re buying a home, it’s important to know what to expect when lenders evaluate your eligibility for a home loan. Your income, assets, and liabilities are all considered carefully. Use this calculator to estimate the amount of mortgage you may be able to obtain.

  • Down Payment - How much of a down payment should I make on my new home? This calculator allows you to compare different mortgage down payment options to find the best one for you.

  • Mortgage Payment - Budgeting for a new home can be challenging. Use this calculator to help you estimate what your monthly mortgage payments will be.

  • Comparing Mortgages - Considering the different home loan types, available interest rates, and discounts, there is an array of options for your mortgage. Use this calculator to easily compare different mortgages to find out which ones works best for you.

  • Loan to Value - The Loan to Value Ratio (LTV) shows how much equity you have in a house relative to the amount you want to borrow or already have borrowed, and is one of the key risk factors assessed by lenders. A higher LTV ratio means higher risk for the lender, and may keep you from getting a loan. Keep an eye on your LTV ratio over time as your mortgage balance is paid down, and as your house appreciates in value, because you may be able to eliminate the cost of monthly PMI insurance if the ratio is below 80%.

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Personal Finance

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Retirement Savings and Planning

  • Retirement Income Calculator - Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.

  • Save for Retirement - How much will I need to save to afford retirement? Start planning now by using this calculator to ensure you are able to maintain your lifestyle and retire at your desired age.

  • Social Security - Most Americans are counting on social security to provide at least a portion of retirement income. Use this calculator to estimate your social security benefit.

  • Retirement Savings - Now that you are retired, you may be wondering if you planned successfully in order to ensure your savings will sustain your living expenses for as long as you need. Use this calculator to help determine how long your retirement savings will last.

  • Save With 401(k) - A 401(k) plan is one of the most powerful tools you can use to save for your retirement. This calculator can help you estimate how much you can save with your 401(k) retirement savings plan.

  • Compare Savings Plans - You should explore all of your retirement savings options in order to ensure that you are getting the most returns for a comfortable retirement. Use this calculator helps you compare your possible returns from contributions to a traditional 401(k) savings account versus to a Roth 401(k) account.

  • Inflation Effect - We would all like to maintain a certain standard of living in retirement. Use this calculator to understand the effects of inflation on the income level you will need as you approach retirement.

 

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Savings Calculators

  • Savings Calculator - Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
    Savings Goals -  What will it take to reach your savings goal? This financial calculator helps you find out.

  • Millionaire Savings - Wondering how long it will take you to become a millionaire? Discover the power of compound interest. Use this calculator to find out how long it will take for your savings to grow to a million dollars.

  • Saving for College - How much should you save for college? With college tuition increasing every year, you'll need the power of interest to help you reach your college savings goal. Use this calculator to get an idea of how much you'll need to save each month if you start now.

  • Saving for a Big Ticket Item - Are you saving for a big ticket item? A car? A boat? A motorcycle? Use this calculator to figure out how long it will take you.

  • Share Certificate Maturity Worth - Does your savings portfolio include Share Certificates? Find out how much they will be worth at maturity.

  • Taxes and Inflation Effect - Both taxes and inflation can influence the amount of money you are able to save. Once taxes are calculated, the future value of your money is discounted by the inflation rate.

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Tax Calculators

  • U.S. 1040 Tax Estimator -   How much in taxes will you pay this year? Use this 1040 tax calculator to help determine your tax bill.

 

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