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Financial Calculators

We have a variety of financial calculators to help you compare loans, calculate loan payments, even figure time needed to save a specified amount. 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.


Mortgage Calculators

Biweekly Payment Calculator:  This calculator shows you possible savings by using a biweekly mortgage payment. Biweekly payments accelerate your mortgage payoff by paying 1/2 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.

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.

CU Members Mortgage Calculators:  There are many financial decisions involved in purchasing or refinancing a home. The calculators provided by CU Members Mortgage can help you decide if it is better to rent or buy, what type of mortgage is best for you, whether you are considering purchasing a new home or deciding if it is the right time to refinance.


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. 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.


Credit Cards and Debt Management

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.


Auto Calculators

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.

AutoSMART Calculators:  Looking at purchasing a new or new-to-you vehicle? Use these AutoSMART calculators to find the right car for your budget!

What vehicle can I afford?
How much will my payment be?


Retirement Savings and Planning

Retirement Nestegg Calculator:  Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be.


Savings Calculators

Cool Million Calculator:  What might it take to save one million dollars? This financial calculator helps you find out. Enter in your current savings plan and graphically view your financial results for each year until you retire. Press the "View Report" button for a report that helps you see when you might hit your cool million - and what you might be able to do to possibly achieve this goal.


Savings Goal Calculator:  Planning a sabbatical? Saving for a down payment on a house? What will it take to reach your financial goal? This 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 help ensure that it is on track.


Personal Finance

Debt to Income Ratio:  Use this calculator to quickly determine your debt-to-income ratio. This is the percentage of your gross income required to cover your housing and debt payments. The lower your debt-to-income ratio the more manageable your debt load will be. A low debt-to-income ratio increases the odds that you will be able to meet your monthly obligations. This ratio and your credit score are the two most important factors used by creditors when extending loans and credit.

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