Financial Calculators

  • Auto Rebate

    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.

  • Checkbook

    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.

  • 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. Click the 'View Report' button for a detailed look at the results.

  • Compound Savings

    Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you.

  • Credit Assessment

    Use this calculator to assess your credit. After entering your information, your credit is assessed as 'Good', 'Fair' or 'Needs Improvement'. Press the report button for more information about what this assessment means to you.

  • 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.

  • Roll-Down Your Credit Card Debt!

    The credit card roll-down applies two simple principles to paying off your credit card debt.

    1. Pay off your highest interest rate first.
    2. When a credit card balance is paid in full, apply its monthly payment to the balance with the next highest interest rate.

    To see how this can be applied to your credit card debt, enter your credit card balances and an additional Roll-down amount. The calculator will then apply your additional monthly payment to the credit card with the highest rate. When that credit card is paid in full, the card with the next highest rate will be paid down. This continues until you have rolled through all of your credit cards and your debt is paid in full. Click the "View Report" button for a detailed look at the results.

  • Bi-weekly Payments for an Existing Mortgage

    This calculator shows you possible savings by using an accelerated bi-weekly mortgage payment.  By paying 1/2 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.

  • 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. In addition, you can click the 'View Report' to see your entries results in detail, which can help identify areas for improvement.

  • Should my spouse work?

    This calculator is designed to help you see the financial impact of adding, or removing, a spouse's income to your household.  As with any decision of this type, there are many factors to consider, but knowing your finances is a good place to start. <b>This calculator uses the 2013 withholding schedules, rules and rates (IRS Notice 1036 January 2013).</b>