Calculators

Stay on track with Financial Calculators from KEMBA!

Looking for a loan?  Need to see if you can save money by refinancing your mortgage?  How about balancing your checkbook?  We’ve got you covered!  This page full of handy financial calculators can help!

Need help figuring something out?  Contact us, we’ll be glad to help!

Mortgage Calculators

ARM & Interest Only ARM vs. Fixed Rate Mortgage This calculator will help you compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Compare Mortgage: 15 Years vs. 30 Years Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Loan Calculator With this calculator you can determine your monthly payment and amortization schedule.
Payoff Mortgage Save thousands of dollars in interest by increasing your monthly mortgage payment.
Mortgage Qualifier Can you buy your dream home? Find out just how much you can afford!
Rent vs. Buy Are you better off buying your home, or should you continue to rent?

Loan Calculators

Alternative Payment Frequencies This calculator will help you determine your payment or loan amount for different payment frequencies.
Loan Prequalification Calculator Use this calculator as your first step in determining your ability to qualify for a loan.

Credit Cards and Debt Management

Accelerated Debt Payoff Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.
Cost-of-Debt Calculator This calculator will help you see just how expensive paying interest on your debt can be.
Credit Card Pay Off Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
Personal Debt Consolidation Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

Auto Calculators

Auto Rebate vs. Low Interest Financing Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
Car Loan Calculator Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.
Dealer Financing vs. Credit Union Financing Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.
Home Equity Loan vs. Auto loan With this calculator you can determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. Buy Should you lease your next automobile or finance it? Find out with this calculator!

Retirement Savings and Planning

How long will my retirement savings last? Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.
Required Minimum Distribution (RMD) This calculator will help determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year’s distribution requirements.
Retirement Planner Quickly determine if your retirement plan is on track – and learn how to keep it there.

Savings Calculators

Cool Million Find out when your savings plan may make you a millionaire!
Don’t Delay Your Savings! Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost.

Personal Finance

Checkbook Balancer Balance your checkbook with this quick and easy calculator.
Home Budget Analysis Analyze your budget, see where your money goes and find out where you can improve!
Net Worth This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

Learn more about these KEMBA products and services: