Financial Education Resources


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The Money Factory

Financial Calculators 

Here are some easy-to-use online calculators to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page.

Mortgage Calculators 

Mortgage Loan Calculator - use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the "Report" button for a full yearly or monthly amortization schedule.

General Loan Calculators

Amortizing Loan  - enter your desired payment and calculate your loan amount. Or, enter in the loan amount and calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule.

Equity Line of Credit Payment – use this calculators to figure out what your monthly payments would be for an interest only equity line of credit? For a ten year draw period, this calculator helps determine both your interest-only payments and the impact of choosing to make additional principal payments.

Debt Management Calculators

Personal Debt Consolidation - this calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loans balances by clicking on the "Enter Data" button for each category. Then change the consolidated loan amount, term or rate to create a loan that will work within your budget. Click the "View Report" button for detailed results.

Savings and Retirement Planning Calculators

Savings - 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.

Savings Goals - what will it take to help reach your savings goals? This financial 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 make sure that it is on track.

College Savings - 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.

Retirement Planner - quickly determine if your retirement plan is on track - and learn how to keep it there.  Or, use this calculator to help you create your retirement plan. 

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.