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
College is one of the biggest expenses many families plan for, and starting early makes a real difference. This calculator helps you estimate how much you should set aside to reach your college savings goal. It's built for parents and families at any stage, so you can turn a daunting number into a manageable monthly target and start making progress.
Credit Card Balance Transfer Calculator
Moving high-interest credit card debt to a card with a lower or promotional rate can save money, but only if the math works in your favor. This calculator helps you see how much you could save with a balance transfer. It's intended for anyone carrying card debt, so you can weigh the potential savings against any transfer fee and decide whether it's the right move.
Savings Calculator
Thanks to compounding interest, starting to save sooner can be worth far more than saving later. This calculator helps you see how much more interest you could earn by beginning now versus waiting. It's built for savers at any stage, so you can see the real cost of waiting, and the payoff of starting today.
Retirement Savings Calculator
Saving for retirement works best when you start early and check in often. This calculator helps you see whether you're on track with your current savings, or whether you may need to adjust. It's intended for anyone planning for the future, so you can gauge where you stand today and make a plan to close any gap with time on your side.
Time Deposit (TD) Calculator
A time deposit lets you lock in a fixed interest rate for a set term, giving you a predictable return. This calculator helps you estimate what your time deposit could be worth at maturity. It's designed for savers looking for a low-risk place to grow money they won't need right away, so you can see your potential earnings before you open an account.
HELOC Calculator
A home equity line of credit (HELOC) lets you borrow against the equity you've built in your home, when you need it. This calculator helps you estimate your potential borrowing capacity for a HELOC. It's intended for homeowners exploring options to fund a home remodel project or to pay for planned large expenses. The calculator allows you to see your potential borrowing capacity before you apply. Put your home's equity to work toward your goals.
Home Affordability Calculator
One of the first questions about homebuying is simply, "How much house can I afford?" This calculator helps you answer this question by factoring in your income, debt, and other variables to estimate a comfortable purchase price. It's built for buyers at the start of their search, so you can create a realistic budget before you fall in love with a listing.
Home Loan Comparison Calculator
There are a variety of loan options, so how do you know what term is best for you? This calculator helps you compare home loan terms side by side, interest rates, and how long you plan to stay in the home. It's designed for home buyers to look past the headline rate and choose the mortgage terms that's genuinely the best fit for them.
Mortgage Payment Calculator
A mortgage payment typically includes more than just principal and interest; it includes the home property tax and homeowner’s insurance. It is important to know your total mortgage payment when searching for a home. This calculator estimates the total monthly mortgage payment for homebuyers, so you can easily determine the purchase price and estimated monthly mortgage payment that best fits your budget.
Mortgage Paydown Calculator
Even a small additional payment toward your principal each month can shorten your loan term and save you money. This calculator helps you see how much faster you could pay off your mortgage, and how much interest you'd save, by making extra principal payments. It's intended for homeowners who want to pay down their mortgage loan ahead of the full loan term.
Mortgage Refinance Calculator
Refinancing can lower your interest rate, change your loan term or tap into your home equity, but the right choice depends on your specific financial goals. This calculator helps you explore your home refinance options, including a possible cash-out refinance or debt consolidation. It's designed for homeowners considering a refinance, so you can compare scenarios and see what might work best for you.
Debt Consolidation Calculator
Juggling several debts with different rates and due dates can be stressful and costly. This calculator helps you see how quickly you could pay off your balances and how much interest you might save by consolidating them into a single payment. It's designed for anyone managing multiple debts, so you can compare your options and find a path that simplifies your finances.
Monthly Budget Calculator
Knowing where your money goes each month is the first step toward saving more of it. This calculator helps you figure out how much you can put away based on your monthly income and spending. It's intended for anyone looking to take control of their finances, so you can find room in your budget and build toward goals like an emergency fund.
Auto Loan Payment Calculator
Before you head to the dealership, it helps to know what a car will actually cost each month. This calculator estimates your auto loan payments and shows how much car you can afford to buy. It's available for anyone shopping for a new or used vehicle, so you can set a realistic budget and shop with confidence instead of guessing.
Auto Loan Refinance Calculator
If interest rates have dropped or your credit has improved since you bought your car, refinancing might lower your payment. This calculator helps you see whether refinancing your auto loan at a lower rate could reduce what you pay and save you money. It's intended for current auto borrowers, so you can quickly gauge whether refinancing is worth exploring.