Financial Tools & Calculators

  • Auto

    • Auto Loan Early Payoff

      Find out how much interest you can save by increasing your monthly auto loan payment.

    • 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.

    • Auto Refinance Interest Savings

      Use this calculator to see how much interest you can save by refinancing your auto loan.

    • Bi-weekly Payments for an Auto Loan

      This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.

    • Bi-weekly Payments for an Auto Loan with Fees

      This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.

    • Car Loan Calculator

      Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.

    • Dealer Financing vs. Credit Union Financing

      Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.

    • Home Equity Loan vs. Auto loan

      Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.

    • Lease vs. Buy

      Should you lease your next automobile or finance it? Find out with this calculator!

    • Low Interest Financing Savings

      Low, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save.

  • Business

    • Repossession of Personal Property from an Installment Payment Sale

      If you have repossessed personal property with installment payments, you can this calculator to determine the gain or loss.

    • Repossession of Real Property

      If you have repossessed real property, you can this calculator to determine the gain or loss as well as its new basis.

    • Working Capital Needs

      Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

    • Breakeven Analysis

      Find out how many and what price you must sell your product at to make a profit.

    • Business Debt Consolidation Calculator

      Should your business consolidate its debt? Use this calculator to find out.

    • Business Valuation – Discounted Cash Flow

      This tool calculates a business valuation based upon the discounted cash flow methodology – illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value.

    • Cash Flow Calculator

      Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business.

    • Commercial Loan Calculator

      Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved.

    • Debt Service Coverage

      This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.

    • Equipment Buy vs. Lease

      Should you lease your equipment or finance it? Find out with this calculator!

    • 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.

    • Inventory Analysis

      Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.

    • Like Kind Exchange

      This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.

    • Profit Margin Calculator

      This calculator can help you determine the selling price for your products to achieve a desired profit margin.

    • Repossession of Personal Property from a Deferred Payment Sale

      If you have repossessed personal property from a deferred payment sale, you can this calculator to determine the gain or loss.

  • Debt & Credit Cards

    • Cost-of-Debt Calculator

      Use this calculator to see just how expensive paying interest on your debt can be.

    • Credit Card Minimum Payment Calculator

      Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.

    • Credit Card Optimizer

      The Credit Card Optimizer helps you determine the best distribution of your credit card debt.

    • Credit Card Pay Off

      Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.

    • Home Equity Debt Consolidation

      This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you.

    • How much do you owe?

      Use this calculator as a starting point for your debt management plan.

    • Personal Debt Consolidation

      Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

    • 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.

    • Roll-Down Your Credit Card Debt!

      The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.

    • Consolidation Loan Investment Calculator

      Getting a consolidation loan can do more than payoff your debt. Use this calculator to see the results of paying off your debt and investing your payment savings.

    • Snowball Debt Elimination Calculator

      This Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule.

    • Student Loan Consolidation and Debt Payoff

      The Student Loan Consolidation and Debt Payoff calculator applies two simple principles to paying off your Debt; Consolidate your student loans, and use the monthly savings to pay off your other outstanding debt.

  • Insurance

  • Investment

    • Annual Stock Option Grants

      Use this calculator to project how much a series of annual stock option grants could be worth to you.

    • Asset Allocation Calculator

      Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash.

    • Compare Investment Fees

      Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy!

    • Future Contracts Calculator

      Use this calculator to determine the number of futures contracts you may wish to purchase based on your account equity and trading plan.

    • Future Value Calculator

      Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits.

    • Internal Rate of Return (IRR) Calculator

      Use this calculator to determine an Internal Rate of Return (IRR). It calculates the IRR on an annual basis of an irregular stream of up to 20 payments and withdrawals.

    • Investment Distributions

      This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out.

    • Investment Goal

      Use this calculator to see if your investment plan is on track to meet your investment goals – and receive suggestions on how to change it if you are falling short.

    • Investment Loan

      This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk.

    • Investment Property Calculator

      An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property.

    • Investment Questionnaire – Broad Portfolio

      The Investment Questionnaire is designed to help you create a balanced portfolio from a broad range of investment classes.

    • Investment Questionnaire – Cash, Fixed Income and Equities

      This questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities.

    • 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.

    • Investment Savings and Distributions

      Use this calculator to see how long your investment savings can last once you begin taking distributions.

    • Lump Sum Annual Return Calculator

      Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.

    • Lump Sum Future Value Calculator

      Use this calculator to determine the future value of a lump sum.

    • Lump Sum Present Value Calculator

      Use this calculator to determine the present value of a future lump sum.

    • Municipal Bond Tax Equivalent Yield

      Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond.

    • Mutual Fund Expense Calculator

      This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund’s prospectus, you can see the impact of fees and operating expenses on your investment.

    • Personal Economic Recovery Calculator

      This calculator can help you determine exactly what it might take to return your to your original investment balance.

    • Present Value Calculator

      Use this calculator to determine the present value of a known final future value plus a stream of deposits.

    • Present Value Goal Calculator

      Use this calculator to determine the how much needs to be invested now to achieve a future goal. The total amount required immediately is reduced by the present value of a stream of additional deposits.

    • REIT Tax-Equivalent Distribution

      This calculator shows a REIT’s hypothetical yield and how ROC impacts tax equivalent yield.

    • Stock Option Calculator

      Use this calculator to determine the value of your stock options for the next one to twenty five years.

    • Taxable vs. Tax Deferred Investments

      This calculator is designed to help compare a normal taxable investment vs. a tax deferred investment.

    • Taxable vs. Tax Deferred vs. Tax Free Investment

      This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment.

    • Annual Rate of Return Calculator

      Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.

  • Loan

  • Mortgage

  • Personal Finance

    • Basic Calculator

      This works just like a pocket calculator.

    • Basic Financial Calculator

      This works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods.

    • Checkbook Balancer

      Balance your checkbook with this quick and easy calculator.

    • Credit Assessment

      How is your credit? Use this calculator for a quick assessment!

    • Home Budget Analysis

      Analyze your budget, see where your money goes and find out where you can improve!

    • Life Expectancy

      This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.

    • Net Worth

      This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

    • Should my spouse work?

      This calculator is designed to help you see the financial impact of having either one or two incomes for your household.

    • Student Budget

      This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

  • Retirement

  • Savings

    • Benefit of Spending Less

      Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.

    • 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.

    • Certificate of Deposit Calculator

      Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).

    • College Savings

      Use this calculator to help develop or fine tune your education savings plan.

    • Compare Savings Rates

      Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!

    • Compound Savings Calculator

      Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

    • Compounding and Your Return

      This calculator demonstrates how compounding can affect your savings.

    • Cool Million

      Find out when your savings plan may make you a millionaire!

    • Credit Union Certificate Calculator

      Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance.

    • 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.

    • Don’t Delay Your Savings!

      Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost.

    • Emergency Savings Calculator

      This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.

    • Home Buyer Savings Calculator

      Use this tool to help you calculate what it might take to save for your new house.

    • Lunch Savings

      Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.

    • Savings Distribution Calculator

      Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.

    • Savings Goals

      What will it take to reach your savings goal? This financial calculator helps you find out.

    • Savings, Taxes, and Inflation

      Use this calculator to determine how much your savings will be worth with these two important variables in mind.

    • Vice Savings

      Use this calculator to see how a simple changes in your spending habits for common vices such as smoking, drinking or even eating out can really add up.

  • Tax

    • 1040 Tax Calculator

      Enter your filing status, income, deductions and credits and we will estimate your total tax. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April.

    • 457 Payroll Deductions

      Use this calculator to help you determine the impact of changing your payroll deductions.

    • Earned Income Credit (EIC) Calculator

      Use this calculator to determine if you qualify for the Earned Income Credit and if so, how much it might be worth.

    • Estate Tax Planning

      Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability.

    • Flexible Spending Account (FSA) Calculator

      Use this calculator to see how participating in Flexible Spending Account (FSA) contributions can help you pay less tax, and increase your net take home pay.

    • Hourly Paycheck Calculator

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

    • Marginal Tax Rate Calculator

      Use this calculator to determine your marginal and effective tax rates. This calculator sorts through the tax brackets and filing options to calculate your true tax liability.

    • Net to Gross Paycheck Calculator

      Determine the gross paycheck needed to provide a required net amount.

    • Payroll Deductions Calculator

      Use this calculator to help you determine the impact of changing your payroll deductions.

    • Self-Employment Tax Calculator

      If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2016.

    • U.S. 1040EZ Tax Form Calculator

      Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill.