Advice & Resources
The first step in achieving your financial potential is to understand your finances. In today’s economic environment, being an informed consumer and investor is essential to making your money work for you. That is why we value financial education and basic money management so highly.
As you navigate through the links provided above, you will see the array of educational resources, tools and calculators to help you make wise financial decisions. You may also visit our Upcoming Events section to find more information on our no-cost financial education workshops. If you have any questions or would like any additional information, please do not hesitate to contact us.
Financial Calculators
Budgeting and Saving
- Budgeting Software - Budget$mart, an easy-to-use budgeting software, can help you establish a budget, track spending, view tips to avoid overspending and more.
- Savings Goal Calculator - Figure how much your current savings will grow and how much more you'll need to save each month in order to achieve a given savings goal.
- CD Laddering Calculator - See the benefits of investing in a series of Term Certificates with different maturities, also called a CD Ladder.
- Net Worth Calculator - Use this calculator to evaluate your current financial situation.
- Monthly Deposit Time Calculator - See how long it will take you to reach a desired savings goal.
- Monthly Deposit Savings Calculator - Determine the future value of a monthly investment.
- Millionaire Time Calculator - Calculate how many years it will take you to save $1,000,000.
Debt Management
- Debt in Focus - This free and completely anonymous tool will provide a detailed analysis of your debt to income ratio, proposed payment schedule, personal action plans and more.
- Debt Ratio Calculator - Use this calculator to determine your debt to income ratio.
- Debt Calculator - Calculate the amount of time it will take to pay off a given debt.
- Debt Payoff Goal Calculator - Compute how much you will need to pay each month in order to pay off a given debt by a selected payoff-goal date.
- Debt Consolidation Calculator (Home Equity) - See how consolidating your high interest debt into one lower rate loan can reduce your monthly payments and provide tax savings at the same time.
- Accelerated Payoff Calculator - This calculator will show you how much time and money you could save by paying off your debts using the "rollover" method.
- Fixed Vs. Minimum Payment Calculator - See how much interest you will save if you start making fixed payments on your credit card rather than the prescribed minimum payments.
Car Buying
- Use the Car Buying Calculator to determine what your monthly payments will be based on the price of a vehicle.
Determine Your Mortgage Payment
- Use the Mortgage Payment Calculator to help determine your monthly mortgage payment. You can play with different scenarios to see what will work best for you and your budget.
Retirement
- Retirement Road Test - Test drive your retirement plan and find out if you are on the path to a secure retirement. This will make a recommendation on the total percentage of your income you need to save to meet your goals as well as a recommended asset allocation.
- Retirement Savings Calculator - Use this calculator to compute how much you would need to have invested to withdraw a specified amount each month over the course of a specified period of time.