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Calculators

Whether you're buying a car, refinancing your home, or paying off credit card debt, Allegiance Credit Union's free financial calculators are here to help you make confident money decisions. Our easy-to-use auto loan calculator, mortgage calculator, and credit card payoff calculator are just a few examples of calculators available to you!

Enjoy free access to the tools you need to estimate payments, compare loan options, and map out your financial future. 

Auto Calculators

How much car can I afford?

This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.
Calculate Payment

Is an Auto Loan or Home Equity Loan best for purchasing a car?

This calculator helps determine if a home equity loan may be better than standard automobile financing for purchasing a car. Home equity loans often have lower interest rates than auto loans and the interest may be tax deductible.
Calculate Results

Should I consolidate my loans?

This calculator determines the advantage or disadvantage of consolidating various loans and credit card debt. Click the "Add" button to enter up to a total of 10 different loans and credit cards.
Calculate Results

How much will my loan payments be?

Use this calculator to compute the payment amount (principal and interest) for a fixed rate loan.
Calculate Payment

How long will it take to pay off my loan?

Use this loan payoff calculator to find out how many payments it will take to pay off a loan.
Calculate Timeline

What is my loan rate?

This loan rate calculator will calculate the interest rate on a loan given a loan amount, payment amount, and number of payments.
Calculate Rate

Mortgage Loan Calculators

How much will my adjustable rate mortgage payments be?

This calculator computes the estimated payments and interest for an adjustable rate loan, where the rate increases by the maximum amount allowed at each interval until it reaches the rate cap.
Calculate Payment

Should I refinance?

When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and closing costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs. The calculated results depend on how long you plan to keep this property.
Calculate Results

How much will my payments be for a balloon mortgage?

This calculator computes the payment amount necessary for a mortgage with a balloon payment, using monthly interest compounding and monthly payments.
Calculate Payment

How much mortgage might I qualify for?

Most lenders base their home loan qualification on both your total monthly gross income and your monthly expenses. These monthly expenses include property taxes, PMI, association dues, insurance, and credit card payments.
Calculate Results

How much will I save by increasing my mortgage payment?

Find out how much interest you can save by paying an additional amount with your mortgage payment. The additional amount will reduce the principal on your mortgage, as well as the total amount of interest you will pay, and the number of payments.
Calculate Savings

Which mortgage is better for me?

This calculator will help you compare the total cost of any two or three mortgages. This analysis includes the effect of a tax deduction for interest. If the interest is not deductible, or if you do not want to show the effect of the tax deduction, choose an income tax rate of zero.
Calculate Results

How much home can I afford?

This calculator computes the most expensive house you can buy based on the highest payment you can afford, but does not indicate whether you would qualify for the loan.
Calculate Results

Should I consolidate my loans?

This calculator determines the advantage or disadvantage of consolidating various loans and credit card debt. Click the "Add" button to enter up to a total of 10 different loans and credit cards.
Compare Options

Should I rent or buy?

This calculator compares the cost of renting versus the real cost of buying a home.
Compare Options

How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest) for a fixed rate loan.
Calculate Payment

Loan Payment Calculator

How soon can I eliminate my debts?

This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt.
Calculate Timeline

Should I consolidate my loans?

This calculator determines the advantage or disadvantage of consolidating various loans and credit card debt. Click the "Add" button to enter up to a total of 10 different loans and credit cards.
Calculate Results

How long will it take to pay off my loan?

Use this loan payoff calculator to find out how many payments it will take to pay off a loan.
Calculate Timeline

What is my loan rate?

This loan rate calculator will calculate the interest rate on a loan given a loan amount, payment amount, and number of payments.
Calculate Rate

How much will I need to save for a major purchase?

This calculator computes how much money you will need to save monthly in order to reach a desired savings goal.
Calculate Savings

How much do I need to save for college?

This calculator computes the amount you need to save each month in order to pay for college.
Calculate Results

How long will it take to pay off my credit card?

This calculator computes how long it will take to pay off a credit card debt.
Calculate Timeline

How much can I afford to borrow?

Use this calculator to find out how much money you can afford to borrow.
Calculate Results

How much will my loan payments be?

Use this calculator to compute the payment amount (principal and interest) for a fixed rate loan.
Calculate Payment

Investment Calculators

What is my investment yield?

This calculator computes the rate of return on an existing investment.
Calculate Yield

How can I save a million dollars?

This calculator tells you how much you need to save each month to accumulate a million dollars.
Calculate Savings

How much should I save each month?

Use this calculator to compute the monthly deposit amount needed to reach a savings goal.
Calculate Savings

What savings amount should I start with?

Use this calculator to compute how much money you would need to start with to reach a savings goal.
Calculate Savings

What rate would I need to earn on my savings?

Use this calculator to compute the rate of return you would need to reach your savings goal.
Calculate Rate

How much could I save over time?

Use this calculator to compute the total amount you would be able to save with monthly deposits.
Calculate Savings

What will my investment be worth in the future?

This calculator computes what an amount invested today will be worth at some point in the future.
Calculate Growth

What is my future value worth today?

This calculator computes the present value (on a given date) of a future amount. This future amount is discounted to reflect the time value of money.
Calculate Growth

What is the yield on my portfolio?

The following calculator makes calculating yields easy; it computes the before and after tax yield for an investment with up to 9 trading activities.
Calculate Yield

Retirement Calculators

How much do I need to fund my retirement?

Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.
Calculate Savings

How much can I spend each month in retirement?

Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.
Calculate Spending

What rate do I need to support my retirement?

Use this calculator to find out what rate of return you would need to make recurring withdrawals of a specified amount from an account.
Calculate Rate

How long will my retirement savings last?

Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.
Calculate Timeline

How much will my Roth IRA be worth at retirement?

Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement.
Calculate Growth

Which is better for me, a Traditional IRA or a Roth IRA?

Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.
Calculate Results

How much will my Traditional IRA be worth at retirement?

Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.
Calculate Growth

Lease Calculators

What is my equipment lease rate?

This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.
Calculate Rate

How much will my equipment lease payments be?

This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
Calculate Payments

What will my equipment lease residual be?

This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
Calculate Residual

How much equipment can I afford to lease?

This calculator computes the amount you can afford to lease.
Calculate Amount

What is my lease rate?

This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.
Calculate Rate

How much will my lease payments be?

This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
Calculate Payments

What will my lease residual be?

This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
Calculate Residual

How much can I afford to lease?

This calculator computes the amount you can afford to lease.
Calculate Amount