Financial Calculators

1. Mortgage Qualifier
Can you buy your dream home? Find out how much you can afford!

2. Amortizing Loan Calculator
Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!

3. Certificate of Deposit Calculator
Find out how much interest you can earn on a Certificate of Deposit (CD).

4. Debt Consolidation Calculator
Should you consolidate your debt? Use this calculator to find out.

5. Home Equity versus Auto loan
Determine if a home equity loan makes sense for your next automobile purchase.

6. Savings Goals
What will it take to reach your savings goal?

7. Cool Million
Find out when your savings plan will make you a millionaire!

8. Home Budget
Analyze your budget and find out where you can improve!

9. Financial Ratios (Business Calculator)
Zero in on areas of your business that may need attention, such as solvency, liquidity, operational efficiency and profitability.

10. Cash Flow Calculator (Business Calculator)
Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business.

11. Business Valuation (Business Calculator)
Enter your cash flow information, cost of capital, and growth rate to determine your business NPV valuation.

12. Additional Calculators (Home & Family Finance site.) St. Cloud Federal Credit Union provides the services of the Home and Family Finance site to our members as a free service. When you click this link, you are using a web site outside the credit union's site.

13. Basic Budget Spreadsheet (Microsoft Excel spreadsheet format) To download this spreadsheet to your computer, right-click on the link and select 'Save target as'. To open it without downloading it, simply left-click the link. This is an alternative to calculator # 8.

14. Checkbook Balancing Spreadsheet (Microsoft Excel spreadsheet format) To download this spreadsheet to your computer, right-click on the link and select 'Save target as'. To open it without downloading it, simply left-click the link.

15. Financial Calculators for Investors These calculators are on the web site of Dean N. Bertsch, our credit union's Financial Advisor.