Financial Calculators – Saving

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Calculators > Saving

Benefit of Spending Less Calculator

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, if you were to invest them. View the value of this new potential nest egg both with and without taxes factored in.

CD Ladder Calculator

Use this calculator to examine the benefits of investing in a series of Certificates of Deposit 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.

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. Click on the “View Report” button to see a detailed schedule of your CDs balance and interest earned.

College Savings Calculator

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.

Compare Savings Rates Calculator

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! This calculator can also show you how deposits at the start of each month, compared to the end of the month, can impact your savings balance.

Compound Savings Calculator

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.

Compounding and Your Return Calculator

How interest is calculated can greatly affect your savings. The more often interest is compounded, or added to your account, the more you earn. This calculator demonstrates how compounding can affect your savings, and how interest on your interest really adds up!

Becoming A Millionaire 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.

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. Click on the “View Report” button to see a detailed schedule of your Certificate’s balance and earnings.

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.

Don’t Delay Your Savings!

Waiting to begin your savings plan may have an important impact on your results. A delay of even a few years could cost thousands of dollars. This calculator helps show you how much postponing your savings plan may really cost.

Emergency Savings Calculator

Having adequate emergency savings can make unforeseen unemployment, auto repairs, medical emergencies, property damage and even legal issues more manageable. With adequate emergency savings, you can focus on how to best meet your family’s needs, rather than worrying about finding the money to handle these difficult situations. 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

Purchasing a home is one of the most important decisions you’ll ever make. This calculator will help you create a savings plan towards your home purchase down payment. Simply use your purchase price to calculate how much you need to save each month. Fine-tune your plan by adjusting any of the inputs including purchase price and the number of years you wish to save. Click here to estimate how much home you can afford.

Lunch Savings Calculator

One of the best ways to increase your savings is to spend less. Even a simple change such as bringing a bagged lunch to work a few times a week can make a difference. This calculator illustrates how a little lunch savings can go a long way.

Savings Distribution Calculator

This calculator is designed to help you determine how much of your savings remains after a series of withdrawals. Enter your starting amount, how much to withdraw and how often and we will calculate your expected final balance.

Savings, Taxes, and Inflation Calculator

The value of your savings can be affected by both taxes and inflation. Use this calculator to determine how much your savings will be worth with this in mind. Click the “View Report” button to get more information and a year-by-year savings schedule.

Vice Savings Calculator

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.

What Is The Effective Annual Yield On My Investment?

The number of compounding periods per year will affect the total interest earned on an investment. For example, if an investment compounds daily it will earn more than the same investment with the same stated/nominal rate compounding monthly. 

Income Generated By A Savings Plan

Saving regularly can help you achieve your future income goals. 

How Long Will It Take To Double My Savings?

Compound interest can have a dramatic affect on the growth of a single deposit. By dividing 72 by your investment return you can determine the amount of time required for your money to be worth about twice as much as it is today. 

How Long Until My Savings Reach My Goal?

Compound interest can have a dramatic affect on the growth of a single deposit. 

Save Now Versus Save Later

A penny saved is a penny earned, but a penny saved today is a penny earning more. It is important to start saving as soon as possible for events such as retirement due to the impact of compounding. If you start saving now you will need to save considerably less than if you wait a few years. 

How Much Should I Save To Reach My Goal?

What are you saving for: a computer, car, boat, summer home, down payment? 

What Will My Current Savings Grow To?

Compound interest can have a dramatic effect on the growth of series of regular savings and initial lump sum deposits. 

Calculate Rate Of Return

The rate of return (ROR), sometimes called return on investment (ROI), is the ratio of the yearly income from an investment to the original investment. The initial amount received (or payment), the amount of subsequent receipts (or payments), and any final receipt (or payment), all play a factor in determining the return.