When the numbers have to add up!

Checking
Home Budget Analysis	Analyze your budget, see where your money goes and find out where you can improve!
Student Budget	This calculator is specifically designed to help students understand their expenses and income.
Checkbook Balancer	Make balancing your checkbook quick and easy. It’s as simple as entering your outstanding checks and deposits and comparing it with the calculated amount.
Net Worth	Determine your net worth by recording your assets (what you own) and all of your liabilities (what you owe). You can also estimate the growth of your net worth over the next ten years.

Savings
Savings Calculator	Find out how consistent deposits over a number of years can be an effective strategy to save.
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.

Loans and Lines of Credit
Amortizing Loan Calculator	Use this calculator to help estimate the monthly payment on a Personal Unsecured Loan. Enter the loan amount and desired term to calculate payments.
Home Equity Line of Credit	How big a line of credit can you receive? Use this calculator to find out! Enter your property's estimated value, the amount of mortgage (excluding amounts to be paid off with your line of credit), and use up to 80% for the loan to value ratio.

Mortgages
Loan Calculator	Enter your desired payment or, the loan amount. Examine your principal balances by payment, total of all payments made, and total interest paid.
Payoff Calculator	How much interest can you save by increasing your mortgage payment? This financial calculator helps you find out.
Refinance Calculator	Should you refinance your mortgage? Factors include your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home.
Rent or Buy?	This calculator helps you weed through the fees, taxes, and monthly payments to help you make a good financial decision.
ARM or Fixed?	Use this calculator to determine which type of mortgage best fits your financing needs. 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 a Fully Amortizing ARM.
Mortgage Term Compare	Use this calculator to compare these two mortgage terms (15 year vs. 30 year), and decide which term is better for you. With a shorter term mortgage you will pay significantly less interest, but you must be able to afford the higher monthly payment.

Retirement Savings & Planning^†
Life Insurance Calculator	How much life insurance do you need? Enter your current assets, expense and income.
Roth IRA Calculator	Use this calculator to see the impact of a Roth IRA on retirement savings.
Retirement Planning Calculator	Use this calculator to help you create your retirement plan.
Standard IRA Calculator	Use this calculator to see the impact of a Standard IRA on retirement savings.

Credit Cards and Debt Management
Debt Consolidation Calculator	This calculator is designed to help determine whether debt consolidation is right for you.

Links to the interactive calculators and information provided above are made available to you as self-help tools for your independent use and are not intended to provide investment and/or financial advice. We 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 personal finance issues.

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Investments

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What You Need to Know

Advice

When the numbers have to add up!

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Savings

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Mortgages

Retirement Savings & Planning^†

Credit Cards and Debt Management

When the numbers have to add up!

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