financial calculators:
where the numbers make cents
let’s run some
numbers
Creating a life of financial freedom takes a lot of planning and a lot of math. You don’t have to go back to calculus. We’ve created the formulas. All you have to do is add in the numbers and start knocking out your goals.
Setting up a clear budget is a great starting point on any financial journey.
How Much Am I Spending?
Track your spending to see where you can make adjustments and save money or pay down debts.
Household Cash Flow Tracker
Determine your cash flow by adding up all income and comparing against your total expenses.
Calculate Your Net Worth
Your self-worth can only be calculated by looking within yourself, but we can help you with figuring out your net worth.
Keep Working or Stay at Home
Compare the costs of being a stay-at-home parent to being a working parent. Will you make enough income to offset the costs?
Balance Your Checking Account
Figure out what your real balance is once all those expected bills and deposits come through.
Spare Change
Time to empty out those piggy banks and count up those coins.
Save or Pay Off Debt?
See how much more you could actually be saving by paying down debt versus keeping extra cash in a savings account.
Set your savings goals and we can help you figure out how to get there.
The Impact of Saving More
Let’s make it easier to visualize the big impact you can make by saving a little more.
Save for College
Plan in advance for a college education and see just how much you should be saving.
What Will My Savings Be Worth?
Your self-worth can only be calculated by looking within yourself, but we can help you with figuring out your net worth.
Save for a Rainy Day
Determine just how much you need to save to keep your rainy day savings on track.
Calculate Your Savings at Maturity
Easily figure out how much you’ll earn on your Certificate of Deposit.
The Benefits of Compounding
See the rate at which different compounding terms can grow your savings
Save to be a Millionaire
I believe it was the philosopher Travie McCoy that once said, “I want to be a millionaire, so freaking bad.” See how long it’ll take.
Save Towards a Goal
You’ve taken the first step and set your savings goal. Now see how you can achieve it.
Compare Two CDs
Compare the results of different Certificates of Deposit to make the right choice for you.
Few things are better than being debt-free. Maybe pizza, but it’s close.
Debt Consolidation
See how much you could save on interest by consolidating debt.
Meet a Debt Payoff Goal
Paying off your debts early could mean major savings. Find out how to adjust your payment to reach your goal.
Use a Lump Sum to Pay Down Debt
See how much you could save in interest by applying a large amount to your loan balance.
Increase Your Monthly Payment
See how increasing your monthly payment can pay your debt down and save you money on interest.
Calculate a Loan Payment
Get an idea of what your monthly payment will be before you apply for that loan.
Make Bi-Weekly Payments
Bi-weekly payments can accelerate your loan payoff as you actually make 2 more per year than if you make a monthly payment. See the effect of this change.
How Long Will It Take to Pay Off a Credit Card
Credit card payments can drag out, costing you a lot more than you originally thought. Learn how adjusting your monthly payment could help you save.
Are Credit Card Balance Transfers Worth It?
This balance transfer calculator lets you see if you’ll be saving money after the fees and intro offers are taken into account.
Vroom vroom! Step behind the wheel + drive off loaded with knowledge.
Calculate a Vehicle Payment
Try this auto loan calculator out to see just how much that new car might cost you.
Compare Monthly Payment by Term
Longer terms mean lower payments but higher interest. Compare auto loan terms to find the loan that best matches your goals.
Compare Two Vehicle Loans
Compare loan terms side-by-side to determine which monthly payment is best for your auto loan budget.
Purchase or Lease a Vehicle
Not sure if leasing or purchasing outright is the right path for you? Crunch the numbers.
Low Rate or Cash Back?
Balance the benefits of taking a low interest rate versus a large cash rebate to see which one gives you the best deal on vehicle purchases.
Vehicle Affordability by Loan Term
Use this vehicle affordability calculator to determine the max purchase price you should consider based on your monthly budget.
Gas Mileage Savings with a Fuel Efficient Vehicle
It’s not so easy being green, but you can take steps to reduce your carbon footprint with a fuel efficient vehicle + get rewarded in savings in the process!
Measure how you can put the value of your home to good use.
The Equity in Your Home
Find out how much equity you have available in your home + tackle those projects you’ve been putting off.
Calculate a Home Equity Line of Credit Payment
Don’t bite off more equity than you can chew. Our HELOC payment calculator will help you budget it all out.
Home Equity Loan or Line of Credit?
Get help deciding between a closed-end equity loan or a revolving credit line.
Consolidating Debt with Home Equity
See how much you could save when you consolidate debt using your home equity.
Calculate a Home Equity Loan Payment
Use this home equity loan calculator to see how much you can expect to pay monthly on your closed-end equity loan.
Using Home Equity for a Major Purchase
Should I finance through the store or with a home equity loan? Great question! Let’s answer it together.
Calculators for all things mortgage-related.
SunWest Credit Union does not currently offer home buying services (stay tuned), but as financial advocates to our members, we still want you to have all the access you need in order to make the most informed home loan decision.
We currently offer First Mortgage Refinances, Second Mortgage Home Equity Loans, and Home Equity Line of Credits.
home affordability
Asking yourself “How much house can I afford?” Simply plug your info into the home affordability calculator and start shopping.
calculate a mortgage payment
Before you go looking for the perfect home, take a look at how much you can expect to pay.
rent or buy?
Compare costs of renting and buying over a period to determine which one will cost more in the long run.
proceeds from sale of a home
Gain insight into how much cash you’ll walk away with from the sale of your home.
compare two mortgage loans
See which mortgage loan fits you best by using this calculator to compare mortgages.
adjustable-rate mortgage analyzer
Our adjustable rate mortgage calculator shows what your monthly payment will be under different scenarios.
time to refinance?
Plug in the numbers to see if refinancing your mortgage is the smart move.
calculate home closing costs
Itemize all the costs of buying a home to see what you can expect to pay in closing costs.
compare a bi-weekly mortgage to a monthly mortgage
This bi-weekly mortgage payment calculator will show you how much sooner you could pay off your mortgage and the interest you’ll save.
debt-to-income calculator
See if your debt is considered manageable in relation to your income.
down payment calculator
If you’re on the fence about how much of a down payment to make on your home purchase, use this calculator to compare the numbers.
loan amount calculator
See how much home you can afford based on the monthly amount you want to spend each month.
Life on your terms. Create a retirment savings plan now.
How Long Will My Retirement Savings Last
See into the future and learn how far your retirement savings will take you.
401K Calculator
Use our 401K calculator to see how an employer-matched savings can increase your retirement account.
Traditional 401K or Roth 401K
Both Traditional and Roth IRAs have great benefits for retirement savings, and this calculator will help you decide which one is best for you.
Retirement Income Estimator
See what your monthly income will look like based on the amount of savings you have at retirement.
Spend or Invest in an IRA?
Put into perspective how much that lump sum could contribute to your retirement savings versus spending it now.
Estimate Social Security Benefits
Get insight into how retiring early or later can affect your Social Security benefits.
Save for Retirement
Play with the numbers to get a better idea of whether or not you’re on track for your retirement goals.
here for you
You're not alone! We want to make sure our members understand their financial situations and will always do our part to keep you on track to achieve your goals. Check out our MoneyEdu courses and our blog for more useful tips on maintaining financial health.
promos, please!
Here at SunWest, we strive to offer our members the best offers and rates, no matter where they are in life's journey. Sometimes, we can even beat our own low rates and offer a special promotion! See if our current promotions are right for you.
