|
Calculators
|
|
|
Auto Loan Calculator
|
Use this calculator to help you determine your monthly auto loan payment or your
auto purchase price. After you have entered your current information, use the graph
options to see how different loan terms or down payments can impact your monthly
payment. |
|
Enhanced Loan Calculator
|
Use this calculator to determine if a home equity loan makes sense for your next
automobile purchase. |
|
Loan Prequalification Calculator |
Use this calculator as your first step in determining your ability to qualify for
a loan. While this calculator can't guarantee you will qualify for your new loan,
it is a good check point to see if it is within your means.
|
|
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. |
|
Loan Comparison Calculator |
Determining which loan provides you with the best value involves more than simply
comparing monthly payments. Use this calculator to sort through the monthly payments,
fees and other costs associated with getting a new loan. By comparing these important
variables side by side, this calculator can help you pick the loan that works best
for you.
|
|
Low Interest Finance Savings
|
Low, promotional interest rates can save you a great deal of money when you finance
your car or truck. Not only are your monthly payments lower, but your total interest
payments can be significantly less. This calculator is designed to allow you to
compare three different auto financing options. Use it to help find the best monthly
payment and how much interest you could save.
|
|
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.
|
|
Home Equity vs Auto 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. |
|
Auto Rebate vs Low Interest Financing |
Use this calculator to help you determine whether you should take advantage of low
interest financing or a manufacturer rebate. A rebate will reduce your auto loan
balance, while low interest financing lowers your monthly payment. The best option
depends on the price of the vehicle, the size of the rebate and the interest rates
available for financing. |
|
|
|
Certificate of Deposit Calculator |
Use this calculator to find out how much interest you can earn on a Certificate
of Deposit (CD). Just enter a few pieces of information and we will calculate your
Annual Percentage Yield (APY) and ending balance.
|
|
CD Ladder Calculator |
Use this calculator to examine the benefits of investing in a series of Certificates
of Deposits with different maturities, also called a CD Ladder. With a CD Ladder,
you can benefit from higher interest rates for longer maturities, while achieving
better liquidity, rather than investing in a single long-term CD. |
|
|
|
Equity Line of Credit Payments |
For a ten year draw period, this calculator helps determine both your interest only
payments and the impact of choosing to make additional principal payments. |
|
Loan Prequalification Calculator |
Use this calculator as your first step in determining your ability to qualify for
a loan. While this calculator can't guarantee you will qualify for your new loan,
it is a good check point to see if it is within your means.
|
|
Enhanced Loan Calculator
|
Use this calculator to determine if a home equity loan makes sense for your next
automobile purchase. |
|
Credit Line Calculator
|
Use this calculator to determine how big a line of credit you may qualify to receive.
The line of credit is based on a percentage of the value of your home. The more
your home is worth, the larger the line of credit. Of course, the final line of
credit you receive will take into account any outstanding mortgages you might have.
This includes first mortgages, second mortgages, and any other debt you have secured
by your home. |
|
Line of Credit Payoff |
When will your line of credit be paid off? Use this calculator to see what it will
take to payoff your line of credit, and what you can change to meet your repayment
goals. |
|
Line and Loan Payment Calculator
|
This calculator helps determine your loan or line payment. For a loan payment, select
fixed term loan. For a line payment, you can choose 2%, 1.5%, 1.0% of the outstanding
balance or interest only.
|
|
Home Equity vs Auto 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. |
|
Home Equity Debt Consolidation Calculator |
This calculator is designed to help determine whether using your home equity to
consolidate your debt is right for you. Enter your credit cards, installment loans
and any other debt you wish to consolidate by clicking on the "Enter Data" button
for each category. Then change the consolidated loan amount, term or rate to create
a loan that will work within your budget.
|
|
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!
|
|
Accelerated Debt Payoff Calculator |
Consolidating your debt is only half of the battle. You still need a plan to get
your debt paid in full. This calculator can show you how to accelerate your debt
payoff. The process is simple; just apply a portion of your consolidated loan's
monthly payment savings to the consolidated loan's balance. You can save hundreds,
even thousands in interest and shave years off of your loan!
|
|
|
|
Retirement Income
|
Use this calculator to determine how much monthly income your retirement savings
may provide you in your retirement. Your annual savings, expected rate of return
and your current age all have an impact on your retirement's monthly income. View
the full report to see a year-by-year break down of your retirement savings. |
|
Retirement Shortfall
|
One of the biggest risks to a comfortable retirement is running out of money too
soon. This calculator helps you determine your projected shortfall or surplus at
retirement. You can also see just how long your current retirement savings will
last. If your results project a shortfall, you might need to save more, earn a better
rate of return, or possibly delay your retirement. |
|
College Savings
|
Saving for your children's education requires a long-term plan. And, like saving
for retirement, the earlier you start your plan the better. Use this calculator
to help develop or fine-tune your education savings plan. |
|
401k Savings Calculator
|
A 401(k) can be one of your best tools for creating a secure retirement. It provides
you with two important advantages. First, all contributions and earnings to your
401(k) are tax deferred. You only pay taxes on contributions and earnings when the
money is withdrawn. Second, many employers provide matching contributions to your
401(k) account which can range from 0% to 100% of your contributions. The combined
result is a retirement savings plan you can not afford to pass up. |
|
Roth IRA Calculator
|
Creating a Roth IRA can make a big difference in your retirement savings. There
is no tax deduction for contributions made to a Roth IRA, however all future earnings
are sheltered from taxes. The Roth IRA provides truly tax-free growth. |
|
Roth vs Traditional IRA |
An IRA can be an effective retirement tool. There are two basic types of Individual
Retirement Accounts (IRA): the Roth IRA and the Traditional IRA. Use this tool to
determine which IRA may be right for you. |
|
Traditional IRA Calculator
|
Contributing to a Traditional IRA can create a current tax deduction, plus it provides
for tax deferred growth. While long term savings in a Roth IRA may produce better
after tax returns, a Traditional IRA may be an excellent alternative if you qualify
for the tax deduction. |
|
|
|
Rent vs Buy
|
Should you rent or should you buy your home? It takes more than looking at your
mortgage payment to answer this question. This calculator helps you weed through
the fees, taxes, and monthly payments to help you make a good financial decision.
|
|
Mortgage Qualifier |
The first step in buying a house is determining your budget. This calculator steps
you through the process of finding out how much you can borrow. |
|
Maximum Mortgage |
What is your maximum mortgage? That largely depends on your income and current monthly
debt payments. This calculator collects these important variables and determines
your maximum monthly housing payment and the resulting mortgage amount. |
|
Enhanced Loan Calculator
|
Use this calculator to determine if a home equity loan makes sense for your next
automobile purchase. |
|
Refinance Breakeven
|
How long will it take to breakeven on a mortgage refinance? That depends on a multitude
of factors. These factors include your current interest rate, the new potential
rate, closing costs and how long you plan to stay in your home. Use this calculator
to sort through the confusion, and determine if refinancing your mortgage is a sound
financial decision.
|
|
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. |
|
Bi-Weekly Mortgage Calculator
|
This calculator shows you possible savings by using an accelerated bi-weekly mortgage
payment. Bi-weekly payments accelerate your mortgage payoff by paying ½ of your
normal monthly payment every two weeks. By the end of each year, you will have paid
the equivalent of 13 monthly payments instead of 12. This simple technique can shave
years off your mortgage and save you thousands of dollars in interest. |
|
Bi-Weekly Mortgage Calculator
|
This calculator shows you possible savings by using an accelerated bi-weekly mortgage
payment on your existing mortgage. By paying ½ your monthly payment every
two weeks, each year your mortgage company will receive the equivalent of 13 monthly
payments instead of 12. This simple technique can shave years off your mortgage
and save you thousands of dollars in interest. |
|
Adjustable Rate Mortgage Calculator
|
Adjustable rate mortgages can provide attractive interest rates, but your payment
is not fixed. This calculator helps you to determine what your adjustable mortgage
payments may be.
|
|
ARM vs. Fixed Rate Mortgage |
A fixed rate mortgage has the same payment for the entire term of the loan. An adjustable
rate mortgage (ARM) has a rate that can change, causing your monthly payment to
increase or decrease. Use this calculator to compare a fixed rate mortgage to two
types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
|
Mortgage Tax Savings Calculator
|
Interest paid on a mortgage is tax deductible if you itemize on your on tax return.
So are points that are paid to lower your interest rate. Use this calculator to
determine how much you could save in income taxes.
|
|
Refinance Interest Savings Calculator
|
How much interest can you save if you refinance your mortgage? This calculator helps
you find out! Enter the specifics about your current mortgage, along with your current
appraised value, new loan term, rate and closing costs. This will 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.
|
|
Mortgage Required Income
|
What income is required to qualify for a mortgage? That largely depends on your
monthly debt payments and the current interest rate. This calculator collects these
important variables and determines your required income to qualify for your desired
mortgage amount.
|
|
Mortgage Comparison 15 vs 30 years
|
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.
|
|
Mortgage Loan Calculator
|
Use this calculator to generate an amortization schedule for your current mortgage.
Quickly see how much interest you will pay and your principal balances. You can
even determine the impact of any principal prepayments!
|
|
Mortgage Points Calculator
|
Should you buy points? Buying points when you close your mortgage can reduce its
interest rate, which in turn reduces your monthly payment. But each "point" will
cost you 1% of your mortgage balance. This calculator helps you determine if you
should pay for points, or use the money to increase your down payment.
|
|
Loan Prequalification Calculator |
Use this calculator as your first step in determining your ability to qualify for
a loan. While this calculator can't guarantee you will qualify for your new loan,
it is a good check point to see if it is within your means.
|
|
Mortgage Payoff Calculator |
How much interest can you save by increasing your mortgage payment? This financial
calculator helps you find out.
|
|
|
|
Checkbook Balancer
|
Let us help you balance your checkbook. First tell us the ending balance on your
statement, then enter all of your outstanding checks and deposits. If your checkbook
register matches our calculated amount, your checkbook is balanced! If not, you
may need to verify that all of your withdrawals and deposits are correct and accounted
for.
|
|
Home Budget Analysis
|
Managing your monthly budget can be difficult and frustrating. One of the most important
aspects of controlling your budget is to determine where your money is going. This
calculator helps you do just that. By entering your income and monthly expenditures,
you can see how much you have left to save and where your money is being spent.
|
|
|
|
Loan Prequalification Calculator |
Use this calculator as your first step in determining your ability to qualify for
a loan. While this calculator can't guarantee you will qualify for your new loan,
it is a good check point to see if it is within your means.
|
|
Enhanced Loan Calculator
|
Use this calculator to determine if a home equity loan makes sense for your next
automobile purchase. |
|
Loan Comparison Calculator |
Determining which loan provides you with the best value involves more than simply
comparing monthly payments. Use this calculator to sort through the monthly payments,
fees and other costs associated with getting a new loan. By comparing these important
variables side by side, this calculator can help you pick the loan that works best
for you.
|
|
Credit Line Calculator |
Use this calculator to determine how big a line of credit you may qualify to receive.
The line of credit is based on a percentage of the value of your home. The more
your home is worth, the larger the line of credit. Of course, the final line of
credit you receive will take into account any outstanding mortgages you might have.
This includes first mortgages, second mortgages, and any other debt you have secured
by your home.
|
|
Line and Loan Payment Calculator
|
This calculator helps determine your loan or line payment. For a loan payment, select
fixed term loan. For a line payment, you can choose 2%, 1.5% , 1.0% of the outstanding
balance or interest only.
|
|
How much do you owe? |
Use this calculator to find out how much you owe. This can be used as a good starting
point for your debt management plan. Enter all of your credit cards and outstanding
installment loans balances. Find out how much you owe and how long it will take
to pay it all off. |
|
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. |
|
Personal Debt Consolidation |
Should you consolidate your debt? This calculator is designed to help determine
whether debt consolidation is right for you. Enter your credit cards, auto loans
and other installment loans balances by clicking on the "Enter Data" button for
each category. Then change the consolidated loan amount, term or rate to create
a loan that will work within your budget. |
|
Line of Credit Payoff Calculator
|
When will your line of credit be paid off? Use this calculator to see what it will
take to payoff your line of credit, and what you can change to meet your repayment
goals. |
|
Accelerated Debt Payoff |
Consolidating your debt is only half of the battle. You still need a plan to get
your debt paid in full. This calculator can show you how to accelerate your debt
payoff. The process is simple; just apply a portion of your consolidated loan's
monthly payment savings to the consolidated loan's balance. You can save hundreds,
even thousands in interest and shave years off of your loan!
|
|
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!
|
|
|
|
| |