Financial Calculators
Tools to help you manage your finances
Use RBFCU’s helpful financial calculators to develop a budget, save and pay off debt, prepare to buy a home or a vehicle, estimate your retirement savings and more. To get started, select a category below. The available calculators will appear under the category options.
Auto & Truck Loan Calculators
Credit Card Calculators
Mortgage & Refinancing Calculators
Motorcycle, Boat, RV & ATV Loan Calculators
Personal Loan & Line of Credit Calculators
Home Equity Calculators
Savings, Money Market & Certificate Calculators
Retirement & IRA Calculators
Business Calculators
Budgeting Calculators
Life Insurance Calculators
College Calculators
Auto & Truck Loan Calculators
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How much will my vehicle payments be?+ -
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How long should I keep a vehicle?+ -
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Which is better for me: a rebate or special dealer financing?+ -
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Which is better for me: a new or used vehicle?+ -
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Should I lease or purchase a vehicle?+ -
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Which vehicle loan is better?+ -
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What term of vehicle loan should I choose?+ -
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What vehicle can I afford?+ -
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Should I finance or pay cash for a vehicle?+ -
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How much should depreciation cost me?+ -
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Should I use a vehicle loan instead of a home equity loan?+ -
Credit Card Calculators
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How much cash back will I earn on a 2% cash back rewards card?+ -
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How long will it take to pay off my credit card balance?+ -
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Should I consolidate my credit cards?+ -
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How do my interest rate and payments affect my credit card balance?+ -
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Which is better for me: a cash-back credit card or a low-rate credit card?+ -
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How will rate changes affect my credit card balance?+ -
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Is a lower rate worth the annual fee?+ -
Mortgage & Refinancing Calculators
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How much will my mortgage payments be?+ -
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How much home can I afford?+ -
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Should I rent or buy?+ -
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How much should I put down for a new home?+ -
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What will my closing costs be?+ -
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Should I pay points to lower my mortgage loan rate?+ -
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How much will my FHA loan payments be?+ -
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How much will my VA loan payments be?+ -
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Which mortgage loan is a better fit for me?+ -
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Which is better for me: a fixed-rate mortgage or an adjustable-rate mortgage?+ -
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Which is better for me: a 15-year or 30-year mortgage loan term?+ -
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How advantageous are extra mortgage payments?+ -
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Am I better off refinancing my mortgage?+ -
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What will my mortgage refinancing costs be?+ -
Motorcycle, Boat, RV & ATV Loan Calculators
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How much will my vehicle payments be?+ -
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How long should I keep a vehicle?+ -
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Which is better for me: a rebate or special dealer financing?+ -
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Which is better for me: a new or used vehicle?+ -
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Should I lease or purchase a vehicle?+ -
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Which vehicle loan is better?+ -
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What term of vehicle loan should I choose?+ -
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What vehicle can I afford?+ -
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Should I finance or pay cash for a vehicle?+ -
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How much should depreciation cost me?+ -
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Should I use a vehicle loan instead of a home equity loan?+ -
Personal Loan & Line of Credit Calculators
Home Equity Calculators
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How large a home equity line of credit can I obtain?+ -
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How much will my home equity loan payments be?+ -
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What will my tax savings be on a home equity loan?+ -
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What will my closing costs be?+ -
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How long will it take to pay off my line of credit?+ -
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Should I use a home equity loan instead of a vehicle loan?+ -
Savings, Money Market & Certificate Calculators
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How much will my savings account earn?+ -
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How long will it take to reach my savings goal?+ -
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Which savings option earns more if rates go up?+ -
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How much do I need to deposit monthly to reach my savings goal?+ -
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How much will my certificate be worth at maturity?+ -
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How can I benefit from a certificate ladder?+ -
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How will taxes and inflation affect my savings?+ -
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How much should I set aside for emergencies?+ -
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Should I pay off debt or invest in savings?+ -
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How long will it take to become a millionaire?+ -
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How long will it take to save for a college education?+ -
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Am I saving enough for retirement?+ -
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When should I begin saving for retirement?+ -
Retirement & IRA Calculators
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Am I saving enough for retirement?+ -
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When should I begin saving for retirement?+ -
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Which account will provide the most retirement income?+ -
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How much can I contribute to my retirement plan?+ -
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How much can I contribute to an IRA?+ -
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Should I convert my IRA into a Roth IRA?+ -
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How will changes in my tax rate affect my retirement decision?+ -
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How will a large withdrawal affect my retirement decision?+ -
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How do return rates affect my retirement income?+ -
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What will my income be after I retire?+ -
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What will my expenses be after I retire?+ -
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What option is best for estate planning?+ -
Business Calculators
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How much money do I need to start my business?+ -
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How long will it take to repay my business loan?+ -
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Which business loan term should I choose?+ -
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Should I own or lease my business location?+ -
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Should I buy or lease equipment for my business?+ -
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Should I take advantage of trade discounts?+ -
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What is my business worth today?+ -
Budgeting Calculators
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How much am I spending?+ -
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What is it worth to reduce my spending?+ -
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Should I pay off debt or invest in savings?+ -
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Should I consolidate my debts?+ -
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How will taxes and inflation affect my savings?+ -
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Which savings option earns more if rates go up?+ -
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How long will it take to save for a purchase?+ -
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How long will it take to reach my savings goal?+ -
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How much do I need to deposit monthly to reach my savings goal?+ -
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How long will it take to save for a college education?+ -
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How much will it cost to raise a child?+ -
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Should my spouse work too?+ -
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How much should I set aside for emergencies?+ -
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Am I saving enough for retirement?+ -
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When should I begin saving for retirement?+ -
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How long will it take to become a millionaire?+ -
Life Insurance Calculators
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How much life insurance do I need?+ -
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Which is better for me: term or whole life insurance?+ -
College Calculators
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How long will it take to save for a college education?+ -
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What investments can I use to save for college?+ -
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What is the value of higher education?+ -
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What expenses do I face prior to attending college?+ -
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How much should I budget for college living expenses?+ -
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Should I live on campus, off campus or at home?+ -
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Is a meal plan a good deal?+ -
The accuracy of these online tools and their applicability to your circumstances are not guaranteed. Please contact your own financial professionals regarding your specific needs before taking any action based upon this information.
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