Financial Calculators - Vectra Bank Colorado

Financial Calculators*

Spend less time managing your money and more time enjoying it, calculate loan payments and so much more with these helpful calculators.

Mortgage Calculators

Payment / Amortization Calculator	Calculate your monthly payment for fixed rate or adjustable rate loans.
Refinance Break-Even Point Calculator	Calculate the number of months to break-even if you refinance the loan.
Rent Vs. Own Calculator	Calculate the difference between renting and buying a home.
Tax Savings Calculator	Calculate your yearly tax savings.
Annual Percentage Rate (APR) Calculator	Calculate the annual percentage rate for a loan.
Debt Consolidation Calculator	Calculate the effect of combining other debt with your home mortgage.
Early Payoff Calculator	Find the additional payment required to pay off your loan early.

Debt Consolidation Calculator	Should you consolidate your debt? Use this calculator to find out.
Enhanced Loan Calculator	Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term.
Home Equity Line of Credit Calculator	How big of a home equity line of credit can you receive? Use this calculator to find out!
Loan Comparison Calculator	Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.

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	Use this calculator to see just how expensive paying interest on your debt can be.
Credit Card Minimum Payment Calculator	Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.
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.

Auto Loan Early Payoff	Find out how much interest you can save by increasing your monthly auto loan payment.
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.
Home Equity vs. Auto loan	Use this calculator to 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 Nest Egg Calculator	Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nest egg should be.
Roth vs. Traditional 401(k) and your Paycheck	See how a Roth vs. Traditional 401(k) might affect your take home pay as well as your retirement savings.
Traditional IRA Calculator	How can contributing to a regular IRA help you in your retirement?

Hourly Paycheck Calculator	Use this calculator to help you determine your paycheck for hourly wages.
Payroll Deductions Calculator	Use this calculator to help you determine the impact of changing your payroll deductions.

Benefit of Spending Less	Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth.
CD Ladder Calculator	Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder.
Certificate of Deposit Calculator	Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College Savings	Use this calculator to help develop or fine tune your education savings plan.
Compare Savings Rates	Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!
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.
Emergency Savings Calculator	This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.
Lunch Savings	Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up.
Savings Calculator	Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

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.
Should my spouse work?	This calculator is designed to help you see the financial impact of having either one or two incomes for your household.
Student Budget	This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Business Debt Consolidation Calculator	Should your business consolidate its debt? Use this calculator to find out.
Business Valuation – Discounted Cash Flow	This tool calculates a business valuation based upon the discounted cash flow methodology - illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value.
Cash Flow 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.
Equipment Buy vs. Lease	Should you lease your equipment or finance it? Find out with this calculator!
Financial Ratios	This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
Working Capital Needs	Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

**Important Details**
* Financial Calculators: These calculators are provided by one or more third party service providers. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. The bank cannot and does not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes only. Use of these calculators does not constitute an application for, commitment to extend, or approval of, a request for credit. The calculated results are in no way endorsed, offered, or guaranteed by the bank, our subsidiaries or affiliates. These calculators do not offer tax, legal, or financial advice. We encourage you to seek personalized advice from qualified professionals regarding all personal financial issues.

Vectra Bank Colorado