UMB Financial Calculators

Financial, savings, auto and mortgage loan calculators

Save and spend smarter. Use personal financial calculators from UMB to analyze auto and home loan payments, college and retirement savings, debt consolidation and more.

    College Savings Calculator

    Use this detailed guide to determine how much you should be saving for college.

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    529 College Savings Plan Calculator

    Learn more about the advantages of 529s to help you save for college.

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    Credit Card Balance Transfer Calculator

    Estimate potential credit card interest savings with this balance transfer calculator.

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    Save Now vs. Save Later Calculator

    See how much more interest your money could earn if you start saving now.

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    Retirement Savings Calculator

    Are you saving enough for retirement? Use this helpful calculator to analyze retirement savings variables.

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    New House Calculator

    See how much house you can afford by looking at your income, debt and home financing variables.

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    Mortgage Payment Calculator

    Estimate a mortgage payment you can afford using home loan amount, interest rate and other key factors.

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    Rent vs. Buy a Home Calculator

    Wondering if you should I rent or buy a house? See what may makes sense for you right now.

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    Closing Cost Impact on Interest Rate Calculator

    Itemize home mortgage closing costs and compare loans with different rates, fees or terms.

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    Extra Payment Calculator

    Estimate the benefits of paying off your home mortgage or other loans more quickly with extra payments.

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    Mortgage Tax Savings Calculator

    Determine potential personal income tax savings from paid mortgage interest.

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    Refinance Breakeven Calculator

    Determine if refinancing makes sense for you, weighing refinance costs with potential savings.

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    Mortgage Refinance Calculator

    Analyze home refinance options, possibly for cash-out refinance or debt consolidation.

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    Loan Comparison Calculator

    Compare interest rates, term and closing costs to help choose your best loan option.

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    Adjustable Rate Mortgage Calculator

    Analyze the impact of interest rate assumptions on monthly payments and total interest paid over the life of a loan.

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    HELOC Calculator

    Calculate how much you can borrow with a Home Equity Line of Credit (HELOC).

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    Emergency Fund Calculator

    Determine how much you need to save for an emergency fund, either monthly or as a lump sum.

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    Personal Debt Consolidation Calculator

    Estimate how quickly you could get out of debt and how much interest you might save consolidating your debt.

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    Car Payment Calculator

    Calculate car payments and estimate how much new car loan you may be able to afford.

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    Auto Refinance Calculator

    See if you’d save money or change your car payment by refinancing an auto loan at a lower interest rate.

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