# Calculators

Want to know what kind of monthly payment to expect on an auto or mortgage loan? How will various down payment scenarios affect your loan's term or monthly payment? How much interest can you expect from a CD? Discover all of this and more with the following Campus Federal Calculators:

- Loan Calculators
- Mortgage Calculators
- Other Calculators

### Loan Calculator

Loan Calculator - This calculator is provided to you for your convenience and is intended to provide the user with reasonably accurate mathematical calculations. Campus Federal, however, does not warrant the accuracy of these calculations or the applicability to your particular financial situation.

### Loan Comparison

Loan Comparison - To calculate the payment amount and the total interest of any fixed term loan, simply fill in the 3 left-hand cells of the first row and then click on "Compute." Use the other three rows to see what effects are produced by changing any one of the loan's original variables.

### Mortgage Calculator

MortgageCalculator - Use our Mortgage Loan Calculator to help you determine the mortgage loan financing amount for which you could potentially qualify.

### Convertible Balloon Mortgage Calculator

Convertible Balloon Mortgage Calculator - These days 5/25 and 7/23 convertible balloon mortgages are getting more popular since they provide lower rates than conventional 30 year mortgages while still giving a fixed payment schedule for 5 or more years. The risk, of course, is what happens after the initial fixed period is over and you have the possibility of converting your loan. Here is a calculator to try to answer those questions.

### Biweekly Mortgage Calculation

Biweekly Mortgage Calculation - Use our Biweekly Mortgage calculator to determine the average biweekly balance on your mortgage loan per year.

### Mortgage Payment Table Calculator

Mortgage Payment Table Calculator - Enter the values and push calculate table to generate a table of different monthly payments.

### How Much House Can I Afford?

How much house can you afford? - Enter the values and push calculate table to generate a table of different monthly payments

### Prepayment Mortgage Reduction

Prepayment Mortgage Reduction - This form allows you to see how prepaying your mortgage reduces the length of your mortgage by putting in the current values for your loan. If you know your current principal balance and principal/interest payment, enter then in fields A1 and A2. Otherwise enter the three values for your loan in B1, B2 and B3. (Original Loan Amount, Month of First Payment, Length of Loan).

### Mortgage Qualification Calculator

Mortgage Qualification Calculator - Use our Mortgage qualification calculator to determine the annual household income you will need based on the following values: monthly mortgage payment, annual property tax, annual home insurance, monthly debt payments, sale price of the house and your down payment.

### Future Value of Single Deposit

Future Value of a Single Deposit - To calculate the future value of a one-time, lump-sum investment, enter the dollar amount invested, the interest rate you expect to earn, and the number of years you expect to let the investment grow, then click the "Calculate" button.

### Future Value of Multiple Deposits

Future Value of Multiple Deposits - To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the "Calculate" button.

### Future Value/Annuity Calculation

Future Value/Annuity Calculation - Allow two different yields, one before retirement, one during.

### IRA/401(k)/403(b) Retirement Calculation

IRA/401(k)/403(b) Retirement Calculation - Require minimum withdrawals using IRS life expectancy table. At 70 1/2 you are forced to withdraw the minimum. Also now adds 10% withdrawal penalty for before 59 1/2.

### Compound Interest Rate Calculation

Compound Interest Rate Calculation - This calculator simply takes the final amount you want to earn, given an initial investment for a duration of time and finds the required annual yield you would need to achieve that goal.

### Deferred Payment

### How will prepaying change my loan?

How will prepaying change my loan? - This calculator takes a principal amount, interest rate, normal length of the loan and either how much total a month to pay or how long you want to pay. Then it thinks...

### How Much Estate Tax Will You Pay?

How Much Estate Tax Will You Pay? - Me pay estate tax? No way, you say? Don't be so sure!

### If I pay this much, how long to pay it off?

If I pay this much, how long to pay it off? - Here is a new twist on the mortgage calcuator. Here you tell how much you want to spend each month, an interest rate and a loan amount, and the computer tells you how long it will take you to pay it off!

### Nominal and Effective Interest Rates

Nominal and Effective Interest Rates - Calculate what rates are necessary to achieve a desired future value amount given a present value amount and the time period over which to compound your investment.

### Prepayment vs. Investment – A Scenario

Prepayment vs. Investment — A Scenario - This form allows you to compare what would happen if you took one of two choices with some extra cash you have – prepaying your mortgage each month, or investing it instead. This tries to take into account your tax situation and assumes you always itemize (even late into your mortgage when your interest will be lower – assuming you give to charities, and pay state and local taxes too!!)

### Retirement Payout Calculator

Retirement Payout Calculator - This calculator takes a account balance and interest rate and determines either how long you can withdraw a fixed amount of money from it, or how much you can withdraw over a fixed amount of time. Confused? You won't be! Just enter some numbers and give it a try!

### Rent or Buy – A Scenario

Rent or Buy — A Scenario - This form allows you to compare renting vs. buying by entering how much you want to spend a month and how much down you would put into your house.

### Simple Savings Calculator

Simple Savings Calculator - A simple calculator that lets you start with an amount of money and make regular monthly deposits, and see how much it grows.

### How Much to Retire?

How Much to Retire? - A simple retirement calculator that tells how much you will need to provide a certain income for a set number of years.

### What's Your Yield?

What's your Yield? - Enter your starting balance, your ending balance, monthly contribution and number of years and it will find what monthly yield would be required.

*Loan calculators provide a best estimate figure only. Campus Federal is not responsible for the results.