Affinity Federal Credit Union

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	Financial Calculators		Auto Business College Credit Card Home IRA Retirement All Auto Financing Calculators Which is better: a new or used vehicle? How much should depreciation cost me? Should I lease or purchase a vehicle? Should I finance or pay cash for a vehicle? How much will my vehicle payments be? Which vehicle loan is better? What term of vehicle loan should I choose? Should I use a home equity loan instead of an auto loan? Which is better: a rebate or special dealer financing? How long should I keep a vehicle? What vehicle can I afford? Small Business Calculators How much do I need to start my business? Should I buy or lease equipment? How long will it take to repay my loan? What term of loan should I choose? Should I get a loan or a line of credit? Should I take advantage of trade discounts? Should I lease or own my business location? What is my business worth today? College Planning Calculators What will it take to save for a college education? What is the value of higher education? What investments can I use to save for college? What expenses do I face prior to attending college? Should I live on campus, off campus or at home? How much should I budget for college living expenses? Is a meal plan a good deal? Credit Card Calculators How important is the interest rate? How will rate changes affect my balance? Is a lower rate worth the annual fee? What will it take to pay off my balance? Should I consolidate my debts? Which is better: flight card or low rate card? Which is better: rebate card or low rate card? Should I consolidate my credit cards? Home Financing Calculators How much can I borrow? How much will my mortgage payments be? How much will my adjustable rate payments be? Which is better: fixed or adjustable? Should I pay points to lower the rate? Which is better: 15- or 30- year loan term? How much should I put down for a new home? How much can I save in taxes? What will my closing costs be? Am I better off renting? Am I better off refinancing? What will my refinancing costs be? How can I reduce mortgage insurance costs? Which lender has the better loan? Which loan is better? How advantageous are extra payments? What home can I afford? IRA & Roth IRA Calculators Which will provide the most retirement income? How will changes in my tax rate affect the decision? What option is best for estate planning? How do return rates affect my retirement income? When should I begin saving? How will a large withdrawal affect the decision? Should I convert my IRA into a Roth IRA? How much may I contribute to an IRA? Retirement Calculators How will retirement affect my expenses? Am I saving enough? What can I change? How will this account be used? What will I earn with this account? How advantageous is increasing my savings? Which savings or income source will be the largest? How much can I contribute to my retirement plan each year? What if I underestimate my expenses? What will my income be after I retire? What will my expenses be after I retire? What happens if tax laws change? How much of an effect can inflation have? Which savings should be used first? How much will Social Security provide after retirement? What if Social Security no longer exists? Auto Financing Which is better: a new or used vehicle? How much should depreciation cost me? Should I lease or purchase a vehicle? Should I finance or pay cash for a vehicle? How much will my vehicle payments be? Which vehicle loan is better? What term of vehicle loan should I choose? Should I use a home equity loan instead of an auto loan? Which is better: a rebate or special dealer financing? How long should I keep a vehicle? What vehicle can I afford? College Planning What will it take to save for a college education? What is the value of higher education? What investments can I use to save for college? What expenses do I face prior to attending college? Should I live on campus, off campus or at home? How much should I budget for college living expenses? Is a meal plan a good deal? Credit Card How important is the interest rate? How will rate changes affect my balance? Is a lower rate worth the annual fee? What will it take to pay off my balance? Should I consolidate my debts? Which is better: flight card or low rate card? Which is better: rebate card or low rate card? Should I consolidate my credit cards? Home Financing How much can I borrow? How much will my mortgage payments be? How much will my adjustable rate payments be? Which is better: fixed or adjustable? Should I pay points to lower the rate? Which is better: 15- or 30- year loan term? How much should I put down for a new home? How much can I save in taxes? What will my closing costs be? Am I better off renting? Am I better off refinancing? What will my refinancing costs be? How can I reduce mortgage insurance costs? Which lender has the better loan? Which loan is better? How advantageous are extra payments? What home can I afford? Retirement How will retirement affect my expenses? Am I saving enough? What can I change? How will this account be used? What will I earn with this account? How advantageous is increasing my savings? Which savings or income source will be the largest? How much can I contribute to my retirement plan each year? What if I underestimate my expenses? What will my income be after I retire? What will my expenses be after I retire? What happens if tax laws change? How much of an effect can inflation have? Which savings should be used first? How much will Social Security provide after retirement? What if Social Security no longer exists? IRA & Roth IRA Which will provide the most retirement income? How will changes in my tax rate affect the decision? What option is best for estate planning? How do return rates affect my retirement income? When should I begin saving? How will a large withdrawal affect the decision? Should I convert my IRA into a Roth IRA? How much may I contribute to an IRA? Small Business How much do I need to start my business? Should I buy or lease equipment? How long will it take to repay my loan? What term of loan should I choose? Should I get a loan or a line of credit? Should I take advantage of trade discounts? Should I lease or own my business location? What is my business worth today?

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