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Calculators

Loan Calculators

Alternative Payment Frequencies

Use this calculator to determine your payment or loan amount for different payment frequencies. You can make payments weekly, bi-weekly, semi-monthly, monthly, bi-monthly, quarterly, semi-annually or annually. You can then examine your principal balances by payment, total of all payments made, and total interest paid.

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. 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.

Debt Consolidation Calculator

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Fill in your loan amounts, credit card balances and other outstanding debt. You can then see what your monthly payment would be with a consolidated loan. Try adjusting your terms, loan types or rate until you find a consolidation plan that fits your needs – and most importantly your budget!

Auto Calculators

Auto Refinance Interest Savings

How much interest can you save if you refinance your auto loan? This calculator helps you find out! Enter the specifics about your current loan and determine how much interest refinancing can save you. In addition, it will calculate the number of months to breakeven on closing costs with your reduced monthly payment. Click the ‘View Report’ button for a detailed look at the results.

Dealer Financing vs. Credit Union Financing

Use this calculator to help you compare financing between your credit union and low interest dealer financing. A dealer rebate, usually not available when you choose low interest dealer financing, combined credit union financing, can produce a lower initial loan balance, and in many cases, a lower monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing.

Lease vs. Buy

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.

Savings Calculators

Credit Union Certificate Ladder Calculator

Use this calculator to examine the benefits of investing in a series of Certificates with different maturities, also called a ‘Certificate Ladder’. With a Certificate Ladder, you can benefit from higher interest rates for longer maturities, while achieving better liquidity, rather than investing in a single long-term certificate.

Savings Goals

What will it take to help reach your savings goals? This financial calculator helps you find out. Enter in your savings plan and view graphically your financial results. Click the report button to get more information about your plan, and what you can do to make sure that it is on track.

Vice Savings

One of the best ways to increase your savings is to spend less. Even a simple change such as reducing your spending on a common vice, such as smoking, drinking or eating out, can make a difference. This calculator illustrates how a little ‘Vice Savings’ can go a long way.

Personal Finance Calculators

Student Budget

Use this calculator to help analyze your budget as a full-time student. This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution. This calculator allows you to input your expenses and income for an eight-month school year running from September through April.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.